Whether in cash or liquidity management, payment transactions or electronic banking – reliable and successful business models require experience and a long-term commitment.
With a wealth of expertise, years of experience and solid methodologies, we support successful and sustainable business transformations and provide you with high-quality solutions.
Together with the R&L AG’s range of services, we cover the entire spectrum from planning to implementation and production support. We master both functional and technical challenges and serve our customers as a competent partner in the following areas:
We also offer assistance in the implementation of compliance and security requirements, e.g. with the R&L AG’s safeX product family for efficient, effective finance and information management.
Efficient liquidity management and effective financial planning are more important than ever for any company’s success. This affects both financial institutions as well as their clients. It is, however, becoming increasingly difficult to implement these aspects efficiently and to provide suitable services. Globalization, regulatory requirements and new standards such as SEPA increasingly demand robust cash management.
Cash Management is highly dependent on other processes of financial management. Therefore, complex structures of processes should almost always be considered when any changes are made in the process sequences. Consequently, cash and liquidity planning are used not only to determine short-, medium- and long-term liquidity requirements, but also to plan long-term financing and lending strategies. By optimizing collateral, netting and cash pooling, liquidity can be managed more efficiently. Cost savings can be achieved by creating economies of scale effects through centralizing payments in a payment factory, or by avoiding cross-border payments.
We can assist you in defining and transforming processes. Many years of experiences in customer projects and our knowledge of the current IT systems ensure that we can support you in the best way imaginable.
Digitization, real-time payments, security, and Target2-Securities are just a few new challenges that businesses and institutions face following the introduction of SEPA, which greatly affects today’s payment transactions. Particularly, the new Payment Services Directive (PSD2), real-time payments (Instant Payments) and Personal Finance Management are becoming increasingly prominent. The adjustment of existing business models and customers’ changing requirements combined with technological changes present a big challenge for financial service providers.
We support and work with our customers on topics of national and international payment transactions, mechanisms and regulations, risk management, clearing and settlement. We cover both the technical and implementation aspects by helping our customers to transform the core businesses.
The successful and sustainable integration of the current and future developments (such as Instant Payments, Blockchain, PSD2 etc.) into the customers’ payments strategies ensures compliance and profitability.
Banks and corporates trust us when it comes to SWIFT. We have extensive know-how and many years of expertise in all aspects of the SWIFT environment. Our experts will advise you not only in all strategic aspects of SWIFT, but also in all functional, technical and related areas of the SWIFT world. With the R&L’s product family safeX, we support you in the fields of security and compliance, as well as STP and reconciliation.
We together with the R&L AG will support you to succeed in transforming your businesses.