Cash Flow Forecast Optimisation uses AI to compute the optimal cash positioning across bank accounts and entities to minimise borrowing cost and maximise short-term investment returns, while maintaining liquidity buffers, enabling treasury teams to automate routine positioning decisions, by solving a multi-entity cash concentration and investment allocation problem, across treasury management workflows.
Treasury teams make daily cash positioning decisions across multiple bank accounts and legal entities manually, sweeping balances based on rules of thumb rather than optimisation. Idle cash in low-yield accounts, missed short-term investment windows, and sub-optimal inter-company loan structures cost the treasury material yield on a daily basis.
The AI combines cash flow forecasts, current account balances, investment maturity schedules, and inter-company lending constraints to compute the optimal positioning transactions for the day, sweeps, placements, and loan drawdowns. The positioning recommendation is reviewed by the treasury analyst before execution.
Net interest income from treasury operations increases; idle cash held in low-yield accounts decreases.
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