Understanding and building a balanced banking relationship

Insights

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.

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How Payment Orchestration Helps Conquer Complex Merchant Challenges

Insights

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.  

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FX Solutions: Strategies to Overcome Foreign Exchange Challenges and Boost Merchant Revenue

Insights

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.  

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Sustainability and ESG initiatives in payment systems: key developments and trends

Insights

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. 

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Companies in the US should act now to maximize their Earnings Credit Rate

Insights, News

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.

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ABB Revolutionizes Trade Finance Guarantees Management

Insights

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.

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Navigating Market Volatility in a Changing Global Landscape

Insights

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.

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Pricing in the US Private Placement market is very attractive at present for euro funding

Insights

‘Pricing in the US Private Placement market is very attractive at present for euro funding’: Muriel Nahmias, Redbridge In this blog, our financing expert Muriel Nahmias takes a look at the US Private Placement market. Find out everything you need to know about how to access this deep source of funding, which offers both long maturities and attractive pricing for instruments issued in euros.

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Redbridge Treasury Advisory has published the report

Insights, Publications

In the summer of 2023, 107 companies took part in an online survey organised by the French Association of Corporate Treasurers (AFTE) and Redbridge Debt & Treasury Advisory. The aim of the survey was to assess the resources they allocate to each of the treasury-finance department’s main roles. The data collected can form the basis for discussions on companies’ roadmaps to digital treasury. We’re delighted to present an excerpt from the report, which will be published in full on our blog in June. If you’d like to receive the full report as soon as it’s available, please fill in the form at the end of this page.

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Securing your initial business bank loan early on: a way to secure growth

Insights, Publications

Several companies involved in the energy transition or tech have recently shown how it’s possible securing a business bank loan at an early stage of their development, disrupting conventional credit analysis frameworks. How have they been able to secure their initial bank loan early on? By effectively communicating on their credit story. Their success is also down to their in-depth understanding of how banks work and their ability to garner support within these institutions, as Sébastien Loison and Harald Aschehoug, finance consultants at Redbridge, discuss in this article.

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Bridging the Divide: Balancing Legacy Technology and Digital Transformation in Today’s Business Landscape

Insights

In a comprehensive exploration of digital transformation of legacy payments systems, Chaira Mekkaoui and Gabriel Lucas delve into critical considerations, covering security, risk management, compliance, architecture, organizational challenges, provider dynamics, and cost implications. Elevate your approach by incorporating their strategic recommendations, paving the way for a successful payment transformation.

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The frontiers of innovation in B2B Payments

Insights

Digital payments have started to disrupt the B2B space, starting with those sectors where clients are relatively small and transaction value is low, and therefore, the customer journey is relatively close to B2C. Gabriel Lucas, Associate Director at Redbridge, examines the frontiers of innovation in B2B payments.

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