How can companies implement multi-bank connectivity reliably and securely?

They begin by choosing a connectivity layer (API, SWIFT, H2H, EBICS) compatible with target banks, then use a unified platform (ERP, TMS, or middleware) to aggregate data flows. Automated error handling, encryption, and ongoing monitoring minimize disruption. Over time, connectivity maturity enables real-time updates, payment automation, and stronger cash visibility.

What should treasurers look for in banks offering premium APIs?

Treasurers should evaluate whether the bank’s APIs deliver real-time visibility into cash positions, automate routine payments and reconciliations, support multi-bank integration, and embed controls (e.g. limits, exceptions). Strong customer support, SLAs, and ease of onboarding are equally critical to ensure the API becomes a usable business tool—not just technology.

How can IT teams reduce complexity in multi-bank connectivity?

Instead of maintaining multiple host-to-host or regional connections in-house, companies can use managed connectivity services or a TMS. These provide standardized, secure links to banks via EBICS, SWIFT, or APIs, easing IT workload, ensuring compliance, and supporting real-time treasury data flows.

What are the main options companies have for bank connectivity?

Corporates can connect via direct host-to-host setups with individual banks, through regional standards like EBICS (widely used in DACH and France), or globally via SWIFT. Increasingly, open banking APIs provide real-time connectivity. The right choice depends on geography, number of banks, IT resources, and the need for real-time data.