The finalized Basel III framework, which is now in force in the European Union, is reshaping how banks calculate their capital requirements. In this interview, our financing experts Yassine El Ouazzane and Muriel Nahmias discuss some of the key principles of the framework and touch upon its practical implications for corporates.
For decades, businesses have accepted card payments as the default, paying fees and dealing with fraud risks as part of the cost of doing business. But things are changing.
In this interview Domingos Antunes, Head of Treasury and Financing at Decathlon, discusses how the company has reimagined its treasury organization, leveraging data. He reflects on this transformation, which had the aims of enhancing the team’s capabilities, reducing risks, optimizing financial management and, ultimately, driving cost savings.
Gabriel Lucas, Director at Redbridge Debt and Treasury Advisory, elaborates on the factors determining BNPL’s success for merchants and the next steps in terms of regulations and consolidation. First appeared in Buy Now, Pay Later Report 2025 by Papers.
Reverse factoring – or Supply Chain Finance (SCF) – is yet to gain traction in France. While the volume of factored receivables hit EUR 427 billion in 2023, reverse factoring only accounted for 3% and has stagnated in volume since 2020, according to the Association des Sociétés Financières.
ISO 20022 is an open, international standard for financial messages between financial institutions, financial market infrastructures and companies. ISO 20022 payment messages contain richer, better-structured data than legacy messages. Adopting the standard can improve compliance processes and help protect against fraud. All financial institutions will be required to comply with ISO 20022 for cross-border payments by November 2025. But why should companies be concerned, and what do they need to consider when deciding whether to migrate? Corporates risk becoming silent victims of ISO 20022 migration if they fail to seize the opportunities it presents. Here’s why.
Redbridge recently hosted a roundtable discussion on the theme of banking relationships. Three guests: Jean-Christophe Sautereau, Director of Treasury and Financing at SMCP; Chloé Audrin, Director of Financing and Banking Relationship Management at Air Liquide; and, from the banking side, Arnaud Morgant, Head of Corporate Clients at Société Générale Corporate & Investment Banking (SGCIB), shared their views on some of the most important issues.
We’ve curated a selection of the top articles of finance and treasury insights 2024 from Redbridge’s experts in finance, treasury, and payments. These pieces offer in-depth analysis, case studies, and insights into emerging market trends that will continue to be relevant in 2025.
In today’s payments landscape, merchants are dealing with more complex systems, often suffering from legacy technologies and an expanding range of payment options. As managing these payment processes becomes increasingly complicated, optimising them has become essential, usually requiring the involvement of Finance, Marketing, and IT teams. Payment orchestration offers a practical solution to these challenges. Unifying various payment methods and providers into one streamlined system simplifies how businesses manage transactions. This integration ensures payments are routed through the most efficient and cost-effective channels, saving time and reducing costs.
The foreign exchange (FX) market is pivotal in facilitating international trade and investment. Traditional banking methods, though reliable, often fall short in terms of speed, cost, and accessibility, paving the way for alternative payment methods that leverage advanced technology to optimise FX transactions. With a daily trading volume exceeding USD 7.5 trillion, the FX market is the largest and most liquid financial market globally. Operating 24 hours a day, five days a week, it enables currency exchange among banks, financial institutions, corporations, governments, and individual traders, while serving as a platform for speculative trading, where participants aim to profit from fluctuations in exchange rates. In addition, it gives businesses the flexibility to choose when to hold or convert funds based on market conditions. This approach also enhances cost optimisation and control. I this srticle you will find FX solutions to boost merchant revenue.
While sustainability is becoming a key topic worldwide – especially in Europe – Environmental, Social, and Governance (ESG) factors still lack traction in the payments industry. In this article, we will deep dive into the existing examples of ESG initiatives within payment systems and share some thoughts on how the industry may further embrace such a strategic topic. The following article was originally published in The Paypers.
The Earnings Credit Rate (ECR) is a mechanism offered by US banks to help businesses operating in the US offset their bank fees. Functioning similarly to an interest rate – it’s often linked to the Effective Federal Funds Rate – the ECR is applied daily to the balance in a company’s non-interest-bearing account. Instead of generating cash earnings, however, the ECR results in a credit that is taken away from the cost of cash management services. This rate is an important part of a company’s relationship with its banks, but is frequently overlooked in banking negotiations.
ABB , a global technology leader in electrification, robotics, automation, and motion, has successfully implemented an innovative solution to streamline and optimize its trade finance guarantees process. With a presence in more than 100 countries and revenues surpassing $30 billion, managing complex financial operations such as trade finance is a crucial part of ABB’s success. Recognizing inefficiencies in its guarantees management, ABB took decisive action to modernize the process, ensuring greater control, compliance, and operational efficiency.
The EuroFinance Conference in Copenhagen kicked off with an insightful session on global macroeconomic trends, featuring a discussion with Thomas Harr, Chief Economist at Denmark’s National bank, and Jeromin Zettelmeyer, Director at Bruegel AISBL. The conversation focused on interest rates, inflation, and the global growth outlook, signaling a period of increased financial market volatility shocks, despite broader macroeconomic stability.
