Speed Has a Price: Managing Liquidity in Faster Payments

Faster payments change more than speed. They fundamentally alter how liquidity is managed across the balance sheet. This course examines how instant settlement, prefunding requirements, and around-the-clock availability impact treasury operations and intraday liquidity management. Students will explore how different payment rails affect cash positioning, funding strategies, and operational controls, and how financial institutions balance liquidity risk while meeting customer expectations for immediacy. The course highlights practical considerations for treasury, payments, and risk teams as real-time money movement becomes the norm.