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USE CASE

Optimizing intraday liquidity monitoring

INETCO solutions provide real-time liquidity monitoring to ensure funds are available when payments settle

Optimizing intraday liquidity monitoring

What is liquidity monitoring?

Payment processors and interbank networks connect, clear and switch transactions for multiple financial institutions across ATM, POS, digital, cross-border and real-time payment rails. Intraday liquidity monitoring delivers a consolidated, real-time view of cash positions and payment flows to guarantee banks can support BCBS 248 intraday liquidity management guidelines and meet immediate, 24/7 payment obligations without exceeding daily maximum liquidity usage limits. This visibility enables early detection of negative cash outflows, delayed settlements and suspicious transaction activity – including fraud, AML and failed payments.

Mind the liquidity monitoring gap in real-time

INETCO solutions deliver proactive liquidity monitoring by analyzing incoming and outgoing payment transactions in real-time across all channels. Identify liquidity shortfalls before limits are exceeded – and take immediate action to block authorizations or alert issuing banks to cover gaps. See every cash balance, settlement obligation and in-flight payment in one view to improve intraday liquidity forecasting, avoid payment delays or failures and detect fraud instantly.

MONITOR

Continuously monitor all transactions – to and from each issuing bank – to track total transaction amounts against settlement guarantee deposits, trigger alerts when banks are close to their daily transaction acceptance levels and detect suspicious activity such as the rapid acceleration of outbound payments, atypical timings and unusually large or clustered transactions

 

 

TROUBLESHOOT

Leverage granular, time-stamped transaction intelligence to trace payments end-to-end and pinpoint where liquidity risk originates – identifying issuers that are approaching daily liquidity limits, detecting anomalous transaction activity such as repeated small-value authorizations and revealing which channels are driving liquidity pressure

 

 

ANALYZE

Improve liquidity forecasting accuracy by analyzing actual transaction acceptance volumes and values against set liquidity limits and sharing real-time liquidity monitoring dashboards with banks that track transaction volumes and amounts, peak net outflows and timing risk and settlement guarantee deposit thresholds  – across all channels – helping issuing banks to refine their individual liquidity thresholds and avoid emergency funding actions

See money move. Meet payment obligations. Stop systemic risk.

Reduce settlement risk

Gain visibility into the intraday net positions of each issuing bank with real-time monitoring of inbound and outbound payment flows – across all channels

Secure real-time payments

Detect and block activity linked to card-not-present fraud, account takeovers, APP fraud, mule networks, BIN or internal attacks to stop cash drain instantly

Build operational resilience

Flag emerging liquidity shortfalls early to avoid emergency funding, payment delays or failures through real-time authorization controls and timely bank alerts

Improve liquidity forecasting

Analyze a consolidated, real-time view of issuer cash balances, settlement obligations and in-flight payments to predict payment flows with accuracy

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