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Opinion & Analysis

Arguments and analysis from operators, analysts and people building payment systems.

2selected itemsRelated topicsResearch & DataAgent Economy

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Oct 15Thu
  1. PYMNTSSource summary71

    How banks are using programmable liquidity to compete for corporate deposits

    Large banks are competing for corporate deposits through faster cross-border payments, tokenized deposits, digital platforms, and automated treasury management capabilities, while giving CFOs greater control over fund routing and liquidity. JPMorgan Payments reported quarterly revenue of $5.6 billion, up 14% year over year; Citi said tokenized deposits are already operating in seven markets globally and connected to its 24/7 clearing capabilities.

    推荐理由：The article extends competition for corporate deposits beyond interest rates to settlement, reconciliation, data, and liquidity control, helping CFOs compare banks’ digital treasury management capabilities.

Oct 8Thu
  1. PYMNTSSource summary75

    OFAC Warns: Sanctions Risks May Be Hidden Deep Within Cross-Border Payment Chains

    OFAC warns that foreign financial institutions continuing to transact with sanctioned entities may be targeted at any time without prior notice, and that sanctions risks may also be transmitted to cross-border payments through correspondent banks and intermediary institutions. The article notes that companies need to review not only the payee but also the payment route, dollar clearing relationships, and alternative channels; richer payment data such as ISO 20022 can help reduce opacity across the payment chain.

    推荐理由：The article extends sanctions compliance from payee screening to correspondent banks and clearing routes, helping companies understand why cross-border payments may become unavailable because of a bank in the payment chain.