Insights
Evidence-led perspectives on banking and payments.
Short, practical analysis from the Bankhawk team, grounded in the commercial questions we investigate.
Payments · Guide
The merchant acquirer fee audit: a practical guide for finance leaders
The four places card processing charges drift from what was agreed, and how to check each one.
7 min read ·
Banking · Evidence brief
Corporate banking has a visibility problem
What treasury and finance leaders told Bankhawk about measuring and benchmarking their banks.
5 min read ·
Payments · Guide
Interchange and scheme fees: what 'pass-through' really means
Pass-through holds at the contract level. At the applied level, it needs checking.
6 min read ·
Banking · Perspective
How legacy banking structures create friction in insurance groups
Inherited accounts, overlapping trusts and fragmented liquidity add up to recurring drag.
3 min read ·
Banking · Executive guide
Is your corporate cash resilient in a crisis?
Safety is a function of design, not default. Three tests for concentration, access and transparency.
4 min read ·
Banking · Interest rates · Perspective
Latest Monthly Bank of England Report : No Joy for UK Bank’s Business Customers
Latest Monthly Bank of England Report : No Joy for UK Bank’s Business Customers August 2025 The latest Bank of England Statistical Release on effective interest rates covers the period up to 31st June 2025. Despite predictions, the Bank of England rate has reduced more slowly than expected. The next meeting of the Monetary Policy Committee is on Thursday 7th August 2025 at which it is anticipated the rate will be reduced from 4.25% to 4.00%. This will have a small impact on the UK bank’s business customers, more so for borrowers whose rates move more in line with market rates but not customers with bank funds who overall have been lazy with their money and not chased higher rates since market rates started rising rapidly in 2023 and 2024. For UK businesses that are faced with multiple challenges this hurts their profit margins. At 2.25% in June effective rates on short term deposits ‘sight deposits’ are well below the Bank of England Rate which was reduced to 4.25% on 7th May 2025. It shows a continuation of the pattern for this year that small movements in short term market interest rates are feeding through to the banks customers but with the banks retaining chunky margins.
4 min read ·
Banking · Interest rates · Perspective
Bank of England Report : Real Trends are Lost in the Detail
Latest Monthly Bank of England Report : Real Trends are Lost in the Detail – Bankhawk July 2025 The latest Bank of England Statistical Release on effective interest rates covers the period up to 31st May 2025. It highlights that banks in the UK are generating very high interest margins. For UK businesses that are faced with multiple challenges this hurts their profit margins.
4 min read ·
Banking · Interest rates · Perspective
BoE 2025 Report: Banks Maintain Interest Rate Spreads
Latest BoE Report : Banks Maintain Interest Rate Spreads 8th May 2025 The latest Bank of England Statistical Release on effective interest rates covers the period up to 31st March 2025. It shows a continuation of the pattern for this year that small movements in short term market interest rates are feeding through to the banks customers. This data confirms that the real cost of banking has increased over the past two years by virtue of the banks not pro-actively passing on the benefits of their higher interest rate margins.
4 min read ·
Banking · Profits · Perspective
European Banks Post Record Trading Profits in 2025
European Banks Deliver Record Trading Profits Amid Market Volatility: A Boon or a Concern? May 2025 Brian Weakliam The record-breaking trading revenues reported by Europe’s largest investment banks in Q1 2025 mark a significant milestone, as market volatility provided fertile ground for traders to capitalize on swings across sectors. UBS, BNP Paribas, Société Générale, Barclays, and Deutsche Bank collectively achieved over €13 billion in trading revenues, the highest since at least 2015.
3 min read ·
Banking · Interest rates · Uncategorised · Perspective
Latest BoE Report : Bank Interest Margins Stay Elevated
Latest BoE Report : Bank Interest Margins Stay Elevated Monday 7th April 2025 The latest Bank of England Statistical Release on effective interest rates shows that small movements in short term market interest rates are feeding through to the banks customers. This data continues the narrative that businesses pay too much for their banking services, largely because the banks do not pro-actively pass on the benefits of their higher interest rate margins.
4 min read ·
North America · Perspective
Unlocking Hidden Value in Banking and Payments Data
2 min read ·
Banking · Interest rates · Perspective
Latest BoE Report : Corporates Losing Interest Margins
Latest BoE Report : Corporates Losing Interest Margins March 2025: The latest Bank of England data highlights continuing recent trends and should have captured the new corrected reporting by Lloyds Bank. The effective interest rates on corporate banking arrangements remain misaligned with the higher base rates in early 2025. UK based Corporates are losing tens of millions in lost interest margins to banks. Legacy banking arrangements are a drag on the profitability and bottom line of many UK organisations.
3 min read ·
Banking · Borrowing Costs · Interest rates · Perspective
UK Inflation Surge: What It Means for Interest Rates and Borrowing Costs
UK Inflation Surge: What It Means for Interest Rates and Borrowing Costs The UK’s inflation rate unexpectedly rose to 3.0% in January 2025, up from 2.5% in December 2024, marking the highest level since March last year. This surprise increase has reshaped expectations for the Bank of England’s monetary policy, making it less likely that interest rates will be cut in the near future.
4 min read ·
Banking · Interest rates · Profits · Perspective
Latest BoE Report : Legacy Banking Arrangements Costing UK Businesses
Latest BoE Report : Legacy Banking Arrangements Costing UK Businesses February 2025: The latest Bank of England data highlights continued concerns for UK businesses: The effective interest rates on corporate banking arrangements remain misaligned with the higher base rates in 2024. This persistent disparity underlines that businesses can improve profitability by updating legacy banking arrangements. With interest rates likely to remain higher for longer this is an issue that must be addressed by Finance and Treasury teams to avoid lost interest margins.
3 min read ·
Banking · Interest rates · Retail · Perspective
Checkout Challenges: How Interest Rates Are Ringing Up Trouble for Retailers
Checkout Challenges: How Interest Rates Are Ringing Up Trouble for Retailers As interest rates continue to climb, the U.S. retail sector faces new financial pressures that are reshaping everything from consumer spending to corporate debt management. With rising borrowing costs, tighter credit conditions, and shifting consumer behavior, retailers must adapt quickly to thrive in this evolving environment. But amidst these challenges lie opportunities for agile businesses ready to pivot.
4 min read ·
Banking · Interest rates · Treasury Policy · Perspective
Higher Education in a High-Rate Era: Challenges and Opportunities
Higher Education in a High-Rate Era: Challenges and Opportunities As interest rates climb, the U.S. higher education sector faces financial headwinds that could reshape its operations and funding strategies. With institutions relying heavily on long-term borrowing for campus expansions and operational funding, rising rates bring both challenges and opportunities for colleges and universities.
3 min read ·
North America · Perspective
Prescribing Financial Resilience: How Rising Interest Rates Impact Healthcare
2 min read ·
Banking · Insurance · Interest rates · Perspective
Rising Interest Rates: Challenges & Opportunities for Insurers
Navigating Rising Interest Rates: Challenges and Opportunities for the Insurance Sector The insurance industry, a cornerstone of financial stability, is facing a rapidly shifting landscape as global interest rates climb. In the US, the Federal Reserve’s sustained monetary tightening has pushed borrowing costs to multi-decade highs. Meanwhile, in the UK, long-term borrowing costs have surged in January albeit they retreated somewhat mid-month. These dynamics present both opportunities for investment returns and challenges in managing liabilities and customer expectations.
4 min read ·
Banking · Interest rates · Profits · Perspective
US Banks Announce Q4 Profits
Companies digest Q4 US Banks Profit Announcements The fourth quarter of 2024 has showcased robust financial performances among leading U.S. banks, reflecting a dynamic economic environment and strategic adaptability. Of most relevance to CFO’s and Finance Leaders is their banks net interest margin income and how this impacts on corporations and US businesses. Higher net interest margins eat into the profits of their customers.
3 min read ·
Banking · Interest rates · Perspective
Interest Rate Headwinds Hit Airline Sector
Interest Rate Headwinds Hit Airline Sector Bankhawk, January 2025 The Airline industry faces significant headwinds as global interest rates remain elevated. With central banks maintaining tight monetary policies, airlines often reliant on debt for operations, fleet expansion, and leasing are encountering heightened financial pressures. For financial decision-makers in the aviation sector, understanding the interplay between interest rates and corporate strategy is more critical than ever.
4 min read ·
Banking · Interest rates · Perspective
UK Bank Interest Rates Uncovered: Latest Bank of England Statistics
January 2025: The latest Bank of England data highlights continued concerns for UK businesses: the effective interest rates on corporate banking arrangements remain misaligned with the higher base rates in 2024.
3 min read ·
Banking · Interest rates · Perspective
UK Businesses Missing Out on Bank Interest Rate Opportunities
Recent Bank of England data highlights a growing concern for UK businesses: the effective interest rates on corporate banking arrangements remain misaligned with the higher base rates.
3 min read ·
Banking · Interest rates · Perspective
FDIC – US Bank Profits Rise Steadily in 2024
FDIC – Federal Deposit Insurance Corporation Quarterly Banking Profile: Second Quarter 2024 ‘Extracts’ and Bankhawk Commentary
2 min read ·
Banking · Interest rates · Treasury Policy · Perspective
Interest Rate Drama is Distracting Companies and Costing Them Money and Control
Over the past few days there has been much media over-reaction to the failure of the US Federal Reserve to reduce interest rates, much from vested interests. This creates confusion and can cloud judgements.
3 min read ·
Payments · Decision guide
Payment orchestration: what it is and how to decide
Separate the capabilities, quantify the upside, then decide.
4 min read ·
North America · Perspective
Soaring Above Revenue Leakages: Strategic Financial Management in Aviation
2 min read ·
Payments · Case study
Reviewing payment and distribution costs at a European telecom operator
Mapping many payment providers and channels, auditing fees and building a cost improvement roadmap.
3 min read ·
Payments · Explainer
Card scheme fees: why they rise and what merchants can check
Scheme fees are complex, change often and are hard to attribute. Here is what to check.
4 min read ·
North America · Perspective
Airlines Are Headed for a Bumpy Course
2 min read ·
North America · Perspective
U.S. Retail: Private Label Credit Card vs. Co-branded Network Credit Card
2 min read ·
Payments · Sector guide
Airline payment costs: how to gain visibility and control
Visibility, governance and better decisions across an airline's payment flows.
4 min read ·
Banking · Interest rates · News · Perspective
What’s happening to interest rates and could they actually go higher?
There has been a dramatic shift in the past few days in the expectation of where interest rates are headed. This has taken many of us by surprise.
5 min read ·
Banking · Interest rates · Perspective
FDIC: US Banks Net Operating Revenue Hits $1 Trillion for 2023
US corporations are contributing to record bank profits as the industry’s net operating revenue broke the $1 trillion barrier in 2023.
3 min read ·
Card Payments · Payments · Perspective
Why the Recent Visa Mastercard Settlement May Be Bad News for Merchants
Mastercard and Visa have reached a settlement with merchants over a long-standing swipe fee case, with the card giants agreeing to reduce interchange fees and permit more flexibility on surcharging and anti-steering rules.
3 min read ·
North America · Perspective
The Credit Card Fee Debate Heats Up for Consumers, But What About Merchants?
2 min read ·
Payments · Checklist
Choosing a payment provider: an RFP checklist
Eight areas to test before you sign, or when reviewing a provider you already use.
4 min read ·
Card Fraud · Card Payments · Perspective
Recent Insights for Advancing Card Payment Fraud Prevention
Previously I’ve written about how merchants can reduce bank declines thereby increasing revenue and reducing customer friction. However, much bigger problems for merchants are typically i) reducing false positives and ii) preventing actual fraud.
7 min read ·
Payments · Practical guide
Payment declines: a practical governance guide for merchants
Separate the causes of declines before trying to fix them.
4 min read ·
Banking · Card Fraud · Card Payments · Payments · Perspective
Airlines: The Real Cost of Banking & Payments has Doubled Since 2019
So, What’s the Problem? Legacy arrangements and systems have helped the banking and payments industry generate billions in extra profit from the Airline industry.
6 min read ·
Banking · Card Fraud · Card Payments · Perspective
Are Gremlins Really to Blame For Your Card Payment Woes?
I listened to a podcast recently with Patrick McKenzie. Patrick is a serial software entrepreneur and business all-rounder who worked at Stripe and still advises them on product and company strategy.
3 min read ·
Banking · Interest rates · Transparency · Perspective
Official Data shows that Businesses are Handing Billions Extra to their Banks
The daily updates in the media about the path of interest rates for next year are unhelpful.
3 min read ·
Banking · Interest rates · News · Perspective
Bank of England: Very Low Yields on Bank Funds
UK interest rates have stabilised and this is reflected in the returns by UK banks to the Bank of England. However, the statistics published by the Bank of England are not very clear. According to the data the effective rate for outstanding ‘sight deposits’ of non-financial corporations is 2.56%.
3 min read ·
Banking · Interest rates · News · Perspective
ECB: Euro Corporations getting poor yields from their banks
The results of the EuroFinance Corporate Treasurers 2023 Survey makes interesting reading. Treasurers were asked what effective rate should a company earn on bank funds?
3 min read ·
Banking · News · Perspective
Bank of England: Legacy Banking Arrangements Costing UK Businesses
The SWIFT network that drives the global banking system is 50 years old. It’s no surprise then that many organisations have banking arrangements that are not fit for purpose.
3 min read ·
Banking · Interest rates · News · Perspective
US: Sleepy Money Drives Record Bank Profits in Q3
The rise in interest rates is driving bank profitability in a way not seen since before the Global Financial Crisis. Lower provisions have added further to the record figures.
2 min read ·
Banking · News · Perspective
Bank of England: UK Businesses not taking advantage of higher interest rates
UK businesses continue to achieve a poor return on bank funds according to the latest data recently released by the Bank of England.
3 min read ·
Banking · News · Perspective
ECB: Euro Corporations getting a raw deal from their Banks
According to the latest ECB data published on 01 September 2023 Euro businesses are contributing €’billions to bank profits because their banking arrangements are poorly structured.
3 min read ·
Banking · Payments · Perspective
Bank of England: Paltry Returns on Bank Cash Frustrates UK Businesses
UK CFO’s have a bit more to cheer about as the UK banks are paying more for their bank funds. However in many cases the increase in deposit rates will be offset by the increased cost of borrowing.
3 min read ·
Banking · News · Perspective
Central Bank of Ireland August ’23 Report: the Data Behind Record Bank Profits
Bank of Ireland, self-proclaimed ‘The National Champion Bank’ generated over €1bn in profits in H1 2023.
4 min read ·
Banking · News · Perspective
Bank of England: Latest Interest Rate Report July 2023
The net interest margins of the UK banks continue to climb almost in step with the base rate increases.
3 min read ·
Banking · News · Perspective
ECB: Real Cost of Banking for Euro Businesses Continues to Rise
According to the ECB data published on 02 August 2023 Euro businesses are contributing €’billions to bank profits because they haven’t optimised their banking arrangements.
2 min read ·
Banking · Payments · Transparency · Perspective
Bank of England: June Interest Rates Report Commentary
The June statistical release from the Bank of England shows an improvement in the UK banks deposit rates for businesses but this improvement continues to lag the increases in the base rate.
2 min read ·
Banking · Payments · Perspective
Poor EU Bank Yields despite Heightened Risk
New EU rules for dealing with bank failures are still not implemented leaving the position of uninsured depositors (bank balances over €100,000) uncertain.
2 min read ·
Card Fraud · Card Payments · Perspective
Friendly Fraud Surpasses Criminal Fraud for Online Merchants
The ECB recently published its annual card fraud report for 2021 which shows CNP fraud at its lowest levels since records began and a 12% reduction on the previous year.
3 min read ·
Banking · News · Perspective
Bank of England: Companies losing billions to UK Banks
May statistical release from the Bank of England shows the continuing ‘spread’ (net interest margin) cost for companies.
2 min read ·
Banking · News · Perspective
Bank of England: companies struggle to get improved interest rates
Updated data (March Statistics) from the Bank of England shows the increasing ‘spread’ (net interest margin) cost for companies. Source: Bank of England March Statistics
2 min read ·
Banking · News · Perspective
New Central Bank Data: Irish organisations losing millions to the banking system
3 min read ·
Banking · News · Perspective
Banking Rescues – Credit Suisse and SVB – What it means for businesses
2 min read ·
Banking · Perspective
Latest ECB Figures show Corporates are Losing from Interest Rate Rises
2 min read ·
Banking · Payments · Perspective
Bank of England: higher interest rates mean UK Businesses are losing more to the banks
Recently published data (January Statistics) from the Bank of England shows the increasing spread (net interest margin) cost for companies. PNFCs deposits & loans A PNFC is a private non-financial corporation.
2 min read ·
Banking · Perspective
US Companies are contributing to record bank margins
Recently published data from the FDIC (Federal Deposit Insurance Corporation) shows that US banks are benefiting strongly from recent interest rate rises and not passing on the benefits to their customers.
1 min read ·
News · Perspective
Bank of England: UK Corporates are losing £bns by not optimising their bank spread
Recently published data (October Statistics) from the Bank of England shows the increasing & spread (net interest margin) cost for corporates.
1 min read ·
Banking · Perspective
ECB: Corporates Losing €bn’s on Bank Account Funds
October 2022 Statistics Published The effective interest rate on overnight corporate deposits has climbed to a paltry
1 min read ·
Card Payments · Perspective
UK’s Supreme Court Lands Heavy Blow Against Visa and Mastercard
In a historic victory for merchants, the UK’s Supreme Court has unanimously upheld the Court of Appeal’s previous ruling, finding that interchange fees do amount to a restriction of competition, insofar as they set a floor, below which merchants cannot negotiate with their acquirer.
3 min read ·
Card Payments · Merchant Acquiring · Payments · Perspective
Brexit Could Increase Card Fees by Millions
Brexit Could Increase Card Fees by Millions but the Regulators Don’t Care. Most merchants have seen card fees reduce significantly in the last few years and this would be set to continue if it were not for… erm, Brexit.
4 min read ·
Card Payments · Merchant Acquiring · Payments · Perspective
US Merchants Still Overpaying by Millions on PIN Debit
Back in 2010, when the world was still reeling from a global recession, the Dodd-Frank Wall Street Reform and Consumer Protection Act was enacted in the US, a law which affected almost every part of the nation’s financial services industry.
5 min read ·
Merchant Acquiring · Payments · Perspective
Record-Breaking Results for AMEX
Record-Breaking Results For AMEX As It Maintains Its Illegal Merchant Fees In Europe. AMEX released its results for Q2 in July which show that its interest income has grown nearly 80%
2 min read ·
Card Payments · Merchant Acquiring · Payments · Perspective
Hotel and Car-Hire Companies Reaping Rewards From Interchange Claims
Interchange claims may be more lucrative for hotel and car-hire companies.
2 min read ·
Card Payments · Merchant Acquiring · Payments · Perspective
VISA and MasterCard Interchange Claims
Merchants can Still Recover Damages Against Global Card Schemes Visa and Mastercard
6 min read ·
News · Payments · Perspective
Bankhawk Adds A New Payments Project Lead – Steve Glover
Bankhawk is pleased to introduce a new Payments Project Lead, Steve Glover, as the latest addition to the team.
2 min read ·
Banking · Explainer
Virtual accounts: where they help multi-entity cash visibility
Where virtual accounts simplify structures, and where they do not.
4 min read ·
Merchant Acquiring · News · Perspective
American Express Results Q1 2019 – The Devil is in the Detail
Have Amex hidden huge legal charges and why? Some really interesting developments have emerged about American Express
4 min read ·
News · Perspective
FinTech Game Changers
Apple Card takes on Revolut, Starling Bank and Monzo Brian Weakliam Founder & CEO Bankhawk
5 min read ·
Card Payments · Merchant Acquiring · Payments · Perspective
Dark Clouds Loom for American Express
It’s business as usual for American Express Company according to its 10-k
4 min read ·
Merchant Acquiring · Payments · Perspective
UK Merchants Brace for Big Card Fee Increases After Brexit
Card Fees – The Cost of Brexit – 6 Things You Should Know
3 min read ·
Card Payments · Merchant Acquiring · Payments · Perspective
The Cards Ecosystem hits $30 trillion – Merchants are Losing Out!
The card payments ecosystem will process $30trillion of payments next year.
4 min read ·
Merchant Acquiring · News · Perspective
€570m MasterCard Fine is Triggering a New Wave of Overcharges Recovery
The €570m fine from the EU Commission will compel
3 min read ·
Card Payments · Perspective
Ban on payment card surcharges in Europe could cost Airlines €1.5bn a year
There has been much coverage about how payment card surcharges will be prohibited
5 min read ·
Banking · Perspective
European bank stress tests draw a blank
Posted on GTNews – European bank stress tests draw a blank In July the European Banking Authority (EBA) announced
6 min read ·
Card Payments · Perspective
How Brexit may impact merchants
Following Britain’s controversial vote to leave the European Union, it is important that merchants assess the future impact that Brexit will have
2 min read ·
DCC · Perspective
Benefits of utilising Dynamic Currency Conversion
The amount of international visitors to Ireland is growing each year. As a result, Irish businesses are accepting
2 min read ·
Cashflow Forecasting · Perspective
Harness the Power of Banking Data to Access INSTANT and ACCURATE Cashflow Forecasting
Since the day it was founded in 2009, Bankhawk Analytics has been focusing on analyzing corporate banking
13 min read ·
Universities · Perspective
Major University wins with Bankhawk
Trinity College Dublin (University of Dublin) is a leading international centre of research and innovation with 17,000 students. It has partnered with Bankhawk to streamline its finance and banking activity.
2 min read ·
Card Payments · Perspective
Are merchants facing new increases in card fees?
The ever-changing pricing landscape for European merchants looks set to continue following Visa Inc’s acquisition of Visa Europe in November 2015. Merchants are now facing
3 min read ·
Banking · Perspective
Banks not taking advantage of Big Data Analytics
Even though most of the banks worldwide admit that big data analytics can offer a significant competitive advantage, it still remains low priority area for them. According to Capgemini
2 min read ·
Banking · Perspective
B2C organisation generates £400k annual saving using analytics
B2C companies can generate large savings using bank data analytics. Sectors like telecoms, utilities and mobile phone operators have large numbers of customers
2 min read ·
Banking · Perspective
Blockchain Disrupting Banking
How blockchain technology will disrupt the banking industry.
3 min read ·
Insurance · Perspective
One company instantly saves £300k using analytics
How one insurance company made huge savings on their banking costs with Bankhawk’s bank data analytics.
3 min read ·
Card Payments · Uncategorised · Perspective
How to make savings on your card acquiring
Securing the best service and pricing on your merchant card acquiring
3 min read ·
Banking · Framework
A framework for enterprise treasury policy
Four pillars, and a check that the policy is enabling rather than constraining.
4 min read ·
Card Payments · Perspective
Challenges facing retailers and hotels in managing credit card acquiring costs
Credit card acquiring can cause much head scratching for companies.
3 min read ·
Banking · Uncategorised · Perspective
Companies face two choices when dealing with hidden banking costs
Post the financial crisis and with new regulation being heaped on banks the cost
2 min read ·
Transparency · Perspective
Shift the relationship in banking by unlocking the power of your Banking data
In today’s fast paced business
2 min read ·
News · Perspective
Retailers are on the winning side of the payments revolution.
Since the 1990s it has been the credit card companies who have been at the center of non-cash payment systems
3 min read ·
News · Perspective
Recent MasterCard Ruling on Interchange Fees
The Times, They are Interchanging
3 min read ·
Awards · News · Perspective
Bankhawk Winner of SAP ® Startup Focus Award in the Category “Most Transformative” at SAPPHIRE ® NOW
Dublin, Ireland
2 min read ·
Events · News · Perspective
Irish Company Bankhawk Analytics selected as a Finalist for SAPPHIRE 2014 Awards.
Bankhawk Analytics is being recognised once again
2 min read ·
Events · Perspective
Bankhawk Analytics speaking at SAP SAPPHIRE NOW 2014
Bankhawk Analytics is delighted to announce that our CEO, Brian Weakliam, will be speaking at SAP’s 2014 global conference SAPPHIRE NOW.
1 min read ·
Banking · News · Perspective
Banking Analytics: The Insights Corporates Need
Corporates have traditionally used financial accounts as their primary source of financial information.
5 min read ·
Events · Perspective
Bankhawk features at the SAP Tech Ed Event in Amsterdam
Why 1000 Startups are Building Applications on SAP HANA
1 min read ·
Events · News · Perspective
Join us at SAP TechEd 2013 Amsterdam
Bankhawk Analytics is pleased to announce that we will be demonstrating
2 min read ·
News · Perspective
Beyond SEPA – Streamlining Banking using Analytics
SEPA has turned out to be one of the most badly timed initiatives the banking sector has ever seen.
2 min read ·
News · Perspective
3 reasons for companies to strive for early SEPA adoption
The majority of European companies are still in the early days of SEPA adoption.
6 min read ·
News · Perspective
Closure of Clearing House confirms that there won’t be any SEPA deadline extensions
A letter was recently published by the Irish Retail Electronic Payments Clearing Company (IRECC)
3 min read ·
News · Perspective
The 5 biggest mistakes that companies will make during SEPA migration
As Europe inches ever closer to the SEPA migration deadline
6 min read ·
News · Perspective
SEPA – No Carrot or Stick
Companies are leaving it very late! With only a handful of months to run until the SEPA migration deadline (1st February 2014)
3 min read ·
News · Perspective
Irish companies and last-minute SEPA preparations
Despite information campaigns by the Central Bank of Ireland and IPSO it appears that the vast majority of companies have yet to start
2 min read ·
News · Perspective
Cyprus bailout – Corporate funds at risk
The powers granted to the Cypriot Central Bank last week give it the authority to convert current account funds into taxable deposits
3 min read ·
News · Perspective
Haircuts imposed on Cypriot depositors – ramifications
The ramifications of the terms for the bailout of Cyprus agreed at the weekend will shake the European banking sector
2 min read ·
News · Perspective
ECB Lending Survey shows widening bank margins
According to the ECB Euro Area Bank Lending Survey for Q4 2012 average bank margins for Enterprises have widened
2 min read ·
News · Perspective
Are you hamstrung by your company’s treasury policy?
I know of many companies that are carrying huge opportunity costs for surplus operating cash because their treasury policies are over simplistic.
3 min read ·
News · Perspective
Should Companies have a standby payments bank?
The recent IT failure at RBS has highlighted how close we all are to potentially serious failures within our companies.
4 min read ·
Treasury Policy · Perspective
What European Banking Profit Stagnation Means For Treasurers
According to the Economist (recently commenting on The Banker Top 1000 World rankings)
3 min read ·
News · Perspective
The New Risk – ‘Bank IT’ risk
Having spent my career working in and close to the banking industry, I can only say like many others I have been stunned at the extent of the IT meltdown at RBS.
3 min read ·
News · Perspective
LIBOR scandal – what companies need to do now?
$22BN! According to Morgan Stanley twelve global banks could face this much in combined regulatory penalties
2 min read ·