Maintaining control over your financial systems is one of the rare situations where instant gratification is a net positive. In a world where everything from content streaming to digital commerce must happen now to be (and stay) relevant, the overload is often overwhelming. Speed has always been valorised, but patience and circumspection seem to have taken a backseat in the auditorium of virtues. This is not meant to be a philosophical musing so I will stop here.

What I can confidently say is that business-critical functions have benefited from data moving at the speed of thought. Here at Finmo , Treasury forms a critical piece of the puzzle in how we manage our financial operations and systems daily. Clients do not (and should not) have to witness how the magic happens under the (admittedly sometimes-oftentimes-okay really all the time messy) hood, only that it does. For us to be able to meet all our clients’ needs, Financial operations teams need instant gratification.

Finmo processes over US$1b a month in volume across its suite of products — from payments to excess liquidity management. Here’s the secret — managing treasury is about managing data efficiently, not cash flow. Things would not work smoothly if our Treasury Operating System (TOS) did not capture and understand data instantly.

Finmo’s TOS pulls data from our myriad pipes, repositories, silos, and databases immediately, and applies intelligence to ask the right questions:

• Do I have financial risk?

• Where do I need liquidity the most?

• Am I exposed to certain currencies and do I need to hedge?

• Am I maximising returns on my cash?

Perhaps most critically, the output is easily consumable — everyone from the CFO to the intern on their first day can understand what needs to be done through a single look at the dashboard. Without this actionable, consumable data, the under-the-hood magic becomes a messy entanglement of missed opportunities, missed payments, and missed revenue.

What does this mean for default global companies?

Most companies don’t know they have a treasury problem until it’s too late. Landing and expanding into the global arena at speed is all well and good until you have 30+ bank accounts and 50+ currencies to manage and a single, shared and manually updated Google sheet (with 30 other tabs) with which to do it.

Let your Treasury and Finance teams utilise the speed of now — if TikTok is humming away in the background, crafting the perfect video to satiate your current sensibility, shouldn’t your Treasury platform be able to do the same for your company? A system that monitors, analyses, and stores financial data in real-time, all the time will ensure your Treasury game is brought into 2025.