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Maximize Efficiency with Real-Time Transaction Limit Management

Breaches. Eliminated.

Real time risk and limits management solution to optimize corporate liquidity and working capital

Seamlessly process payments for your large corporate clients

Client level aggregation of balances and risk limits for each transaction

Offer clients the ability to utilize all funds available at the bank level

Clients benefit from payments that execute immediately

Real-time, auditable, centralized payments authorization

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The World’s Best Real Time Balance Netting System for Payments Funds Control

Feature rich risk management solution that handles complex corporate cash management and liquidity structures

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Netting Balances

Minimize payments in referral due to fund-check reasons by netting balances across 1000’s of accounts in a client limit structure

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Limit Sharing

Increase client satisfaction and STP and reduce risk by sharing limits across subsidiaries of the same legal entity

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Auto Retry

Timely release of payments through automated algorithmic retry via robotic process automation (RPA), improves referral / exception processing, reduces operation cost and ensures that a cut off is not missed

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Balance Builder

Lower bank risk and better client limit utilization with real time limits exposure control, using the balance builder to handle net and gross limits, daylight exposure limits and overdraft limits

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Customer Delight

Enhance client satisfaction, reduce operations cost and risk by sophisticated payments limits check that take into account client liquidity and cash management structures and even intercompany loans

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Fund Check Models

Superior control by applying multiple fund check models such as limit-based, balance based and many others to meet client needs

Transaction Limits Management Savings Calculator

A large bank can save upwards of $50 million in operational and Basel III provisioning using iGTB Transaction Limits Management

Work it out for yourself

Number of corporate customers serviced by your bank

A large corporate bank caters to upwards of 10,000 corporate customers of varied sizes and turnover

Average number of corporate payment transactions per day at your bank

Industry average is close to 100,000 transactions per day at a large corporate bank

Approximate percentage of payments landing in manual referral for insufficient funds at your bank

Industry average is close to 11%

Yearly Savings In Operational Cost

Daily Savings In Basel lll Provisioning

Get the Full Analysis

What assumptions are used in the above calculation?

Assumptions used in the calculation
  • Average number of accounts held by each corporate is 5
  • End of day overdraft granted at each A/C level is $30,000
  • % of corporate accounts with overdraft is ~30%
  • Risk Weight of 20% and Tier - 1 Capital Ratio of 6%
  • Average cost of manual clearance is $5

What’s in it for...

  • Fewer transactions in referral leading to higher client satisfaction

  • Offer complex structures to a client leveraging LMS structures as well
  • Lesser overdraft means lesser Basel III risk provisioning

  • Lesser risk of breaching a monitored limit

  • Provide a better view to credit visibility and viability of their customers
  • Reduced operational cost by reduction of payments in referral to under 0.1 %

  • Easy enquiry for rapid remediation / addressing client queries / cut off referral etc.
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  • Leverage group limits by pooling balances and pooling limits across subsidiaries

  • Use sanctioned limits at the bank level to the fullest
  • Same-day payments and certainty of payments especially for critical payments like salary, tax and vendor payments

  • Clients can benefit from real-time funding solutions even in situations where their cash flow forecasting may not go as planned
  • Allows companies to maximize their working capital and eliminates the need for manual funding and forecasting, thereby saving hours of work and reducing the administrative costs associated with external and subsidiary borrowing
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Client Mobile

Composable, Contextual & Hyperscale Architecture

For High Resilience and Processing Large Volumes in Partnership with Microsoft Azure and AWS

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Microservices Architecture

Loosely coupled, self contained services

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API First

Build internal ecosystems with open APIs

Micro5 1

100 % Cloud Native

Flexibility to deploy on any public cloud platforms

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Cloud
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Pluggable Backends

Integrate any backend or application gracefully with pluggable integrations

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Security

With layers of security, ready for public or private cloud deployment

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No Vendor Lock In

Usage of open source components based on CNCF

Composable, Contextual & Hyperscale Architecture

For High Resilience and Processing Large Volumes in Partnership with Microsoft Azure and AWS

Micro1 1

Microservices Architecture

Loosely coupled, self contained services

Group 163

API First

Build internal ecosystems with open APIs

Group 163

100 % Cloud Native

Flexibility to deploy on any public cloud platforms

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cloud.png
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Micro2 1

Pluggable Backends

Integrate any backend or application gracefully with pluggable integrations

Group 163 2 1

Security

With layers of security, ready for public or private cloud deployment

Micro6 1

No Vendor Lock In

Usage of open source components based on CNCF

Composable, Contextual & Hyperscale Architecture

For high resilience and processing large volumes in partnership with Microsoft Azure and AWS

Arrow 11
Micro1 1

Microservices Architecture

Loosely coupled, self contained services

Micro3 1

API First

Build internal ecosystems with open APIs

Micro5 1

100 % Cloud Native

Flexibility to deploy on any public cloud platforms

Cloud
Micro2 1

Pluggable Backends

Integrate any backend or application gracefully with pluggable integrations

Group 163 2 1

Security

With layers of security, ready for public or private cloud deployment

Micro6 1

No Vendor Lock In

Usage of open source components based on CNCF

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Explore Solutions that can make You Ready for Today and The Future

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Proven in live use at multiple banks for nearly a decade

15 countries across Americas & Europe

Breaches. Eliminated.

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Perspective

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Whitepaper

Payments Limits Management in a Real-Time World

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Blog

Payments: Just-in-time

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Case Studies

Transaction Limits Management Case Studies

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Blog

Payments fund control – Realtime limit management while doing Fund transfer for your corporate customers

Transaction Limits Management

Talk to our team of experts to learn how we can accelerate your banking transformation journey

Transaction Limits Management

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The Future of Corporate Payments in Digital Era

Discover the Future of Corporate Payments in the Digital Era

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Get the full Analysis

Unlock Real-Time Banking with iGTB's FedNow Payment Solutions

Download Brochure

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