Whitepapers & Research

At Cashfac we use our industry knowledge and expertise to conduct in depth topical research and develop whitepapers and reports.  You can explore these below.

  • Virtual Accounts: Closing the Service Gap in Corporate Banking

    Banks’ corporate customers have always sought to grasp greater operational control over their cash, their banking relationships and the banking services that they consume.

    Whilst banks are beginning to come to grips with the rapidly evolving needs of these customers – such as the provision of virtual account services – there remain significant gaps between their service offerings and the customer needs. As a result, corporate customers are increasingly considering changing banking suppliers, and the banks themselves are finding it harder to attract and retain their business.

    We are delighted to reveal the research findings of our new whitepaper: Virtual Accounts: Closing the Service Gap in Corporate Banking. Commissioned by Cashfac to Ovum Consulting, this independent research surveyed 150 banks and large corporates across Europe and North America. The findings identify and analyse the key gaps in service expectations between the banks and their corporate customers and explore the critical role of virtual accounts in tackling these differences over the next 18 months to reduce their customers’ service frustrations.

    Selected key findings:

    • 50% of European corporates have considered moving their main banking relationships in the past year.
    • 62% of banks say that it is more challenging to retain and win new business than a year ago.
    • 94% of banks say that providing virtual account services will enable them to win new business.

    For the full findings, methodology and independent analysis, download your free copy of our whitepaper:

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  • The Rising Demand for Virtual Account Management (VAM) in 2018

    Banks’ corporate customers have always sought to grasp greater operational control over their cash, their banking relationships and the banking services that they consume. Virtual Account Management (VAM) has historically been one mechanism that firms have used to do that. While Virtual Accounts were often technologically static and inflexible they have enabled corporates to operate internal and self-managed banking structures, albeit in a limited fashion.

    Today, Virtual Accounts have been surpassed by a broader, more complete Virtual Bank Technology platform which harness advances in workflow integration, matching, analytics and real-time reporting with functionally rich Virtual Accounts to provide greater flexibility, customer self-service and a suite of integrated cash management applications.

    This presentation explores how VAM is defined, evidences and explains the ever-increasing VAM demand and looks at the benefits Virtual Bank Technology can bring to both banks and their corporate customers.

    Download your complimentary copy of this presentation for answers to the following:

    • What is Virtual Account Management (VAM)?
    • Why the increased VAM demand?
    • What’s in it for banks and their corporate customers?
    • What industries have benefited and how?

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  • Accounting for CASS 7 – How to meet the Operational Accounting Challenges for Client Asset Protection

    This ‘Accounting for CASS 7’ paper demonstrates how to meet the Operational Accounting Challenges for Client Asset Protection.


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  • Virtual Accounts – Turning Adversity into Advantage

    As the banking sector faces challenges from regulatory changes such the imminent impact of Basel III and increased competition from Fintechs and challenger banks, corporate customers are demanding a level of service innovation in business banking previously offered only in their personal bank accounts.

    This Cashfac White Paper – Virtual Accounts: Turning Adversity into Advantage – explores how innovative technology, such as virtual accounts, is helping banks adhere to Basel III and helping empower corporate customers.

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  • Virtual Account Management Breakfast Roundtable – Accenture and Cashfac

    View the presentation from the 2017 Virtual Account Management Breakfast Roundtable between Accenture and Cashfac. The topics covered include:

    • The Evolving Transaction Banking Landscape
      • Market trends
      • Basel III – bank impacts
      • IFRS & BEPS – impacts
      • PSD2 – opening up the banks architecture
      • The potential of Virtual Accounts
    • Innovating in Transaction Banking – Virtual Accounts as a solution
      • Addressing bank challenges through Virtual Accounts (including Basel III)
      • Addressing corporate needs through Virtual Accounts

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  • Future of Banking – 2017 Sunday Times Report

    The Sunday Times Future of Banking’ report, issued by Raconteur on 22nd January 2017, featuring a commercial article from Cashfac CEO Richard Cummings on the Virtual Transformation of Business Banking.

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  • Cash Management for SMEs – Whitepaper

    The SME market represents a huge and underexploited growth opportunity for banking, where banks must respond or risk being left behind as the SME customer increasingly looks to alternative providers for multiple sources of products and services.

    With many SME customers believing there to be little differentiation between providers and with SME customers having difficulty in comparing products across providers the market is primed for banking partners that can offer clear choice and a clear USP for the SME customer.

    This paper discusses the challenges and opportunities in the SME market and why banks need to consider adopting a number of success factors to lead in the SME space:

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  • EMEA Operational Cash Index

    Cashfac sponsored research firm East & Partners to interview 350 chief financial officers and corporate treasurers to create a unique snapshot on the true state of play for the treasuries of major organisations in Europe.

    Take a look at the research below:

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  • Protecting Client Money: Best Practices

    As the market leader in Client Money Management solutions, Cashfac commissioned GTNews to investigate the best practices for protecting client money.

    Read the full paper below:

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