Goldman Sachs Transaction Banking

If your treasury team spends more time fixing payments than making them, you're not alone — and you're not stuck. Payment friction is the silent tax on treasury: it can drain time, erode trust with counterparties, and hide operational risk in plain sight. Explore how corporates can work to reduce friction by: • Leveraging ISO 20022 data to pre-validate payments • Harnessing APIs to track transactions end-to-end in real time • Implementing AI to automate exception handling instead of time-intensive manual processes Read more about how you can work to take the pain out of payments, not just manage around it: https://lnkd.in/e7AvPxPz

Most corporates viewed the ISO 20022 shift as a compliance project; however, it unlocked a data opportunity. With rich, structured payment data flowing through every transaction, treasuries can put it to work: • Auto-matching remittance details to open invoices • Powering predictive AI cash forecasting models • Meeting evolving regulatory reporting demands • Enabling cross-border payments with full transparency The migration was the ticket to entry. The advantage lies in what you do with it. Explore how ISO 20022 transaction data can help unlock advantage: https://lnkd.in/eV2z_Cxu

Is your treasury tech stack ready for the next five years? The gap between treasuries that leverage AI and APIs is widening fast. We break down how forward-looking treasurers can think about moving past the pilot phase and embedding AI and APIs into the core of how they operate to help: • Forecast cash with real-time precision • Automate exception handling • Connect to counterparties, ERPs, and banks without custom builds • Turn treasury from a cost center into a strategic advisor The question isn't whether to invest—it's how fast you can move. Read more on why AI and APIs should no longer be optional: https://lnkd.in/e4wyCYrT

Treasury teams are being asked to do more with less – faster reporting, tighter liquidity, and real-time FX. How is your team turning that pressure into an advantage? Goldman Sachs TxB™ is proud to sponsor EuroFinance 2026 in Barcelona, where we will be discussing the future of agile, data-driven treasury. Meet the TxB team in Barcelona to discuss what’s next: https://lnkd.in/erxEnAeH

Modern liquidity management isn’t a single capability — it’s a stack. Cash pooling, virtual accounts, intercompany netting, and ECR can each solve a discrete problem. The compounding value comes from how they layer together to give treasury a unified, real-time view on global cash. Discover how to evolve your liquidity management framework from safeguard to strategic growth engine: https://lnkd.in/d-kf7UPf

Treasury’s mandate has shifted from operational to strategic. In our new paper, The Digital Imperative, we outline how market volatility and compressed decision windows demand more than liquidity visibility —they demand the ability to execute in real-time. Treasury Hub, TxB’s online banking platform, enables this shift. Through integrated workflows and system connectivity, treasury can move from reactive to proactive—becoming a true strategic partner to the business. Read more about the benefits of digital-first banking: https://lnkd.in/eFMk-vMp

Treasury’s role has shifted. Liquidity is no longer just a safeguard — it’s a growth engine shaping how businesses compete in today’s global economy. The gap between visibility and execution is becoming the inflection point for treasury. In our new report, "Liquidity as Strategy: Building the Modern Treasury," we explore what it takes to close that gap. Download the full report to see how you can rethink your liquidity strategy to act in real time: https://lnkd.in/d-kf7UPf

We are honored to have our Digital Onboarding Ecosystem named Best Digital Treasury Management Solution at The Digital Banker’s Global Transaction Banking Innovation Awards 2026. The awards honor organizations fundamentally transforming the global transaction banking ecosystem. This recognition reflects our team’s work to reimagine the end-to-end client onboarding experience — from dynamic digital onboarding and KYC refresh to self-service virtual account opening and API self-service toolkit — underscoring our commitment to deliver digital-first solutions built to meet the needs of modern treasurers.

The future of payments is here, and ISO 20022 is at the forefront. The widespread adoption of this global standard is transforming the payments landscape, helping treasurers unlock new opportunities for growth, improve operational efficiency, and drive business growth. By leveraging rich payment data, institutions can gain enhanced visibility and control over their treasury operations. ISO-native platforms can provide an advantage by helping to surface payment insights, enable enriched reporting, and predictive liquidity analytics. Learn more about the benefits of ISO 20022 and how it can help you transform your treasury operations. Read the full article now: https://lnkd.in/eV2z_Cxu

In The Digital Imperative, we outline what modern treasury requires: the ability to see, control, and act in real time. Treasury Hub, TxB’s online banking platform, is the digital channel through which clients can access TxB tools and capabilities. Built for an omnichannel treasury experience, teams can connect activity across channels, streamline workflows, and move from insight to execution. In Treasury Hub clients can access: • Streamlined onboarding and KYC¹— for fully digital bank account opening, including automated KYC refresh • Self-service virtual account management – to open, close, and visualize virtual account structures² with self-service control • Comprehensive payment and check capabilities— to execute domestic and cross-border payments across all available payment rails and currencies through integrated workflows • Dynamic foreign exchange (FX) payments— to fund in 21 currencies and pay out in 120+ currencies across 160+ countries³, with live quotes accessible via Treasury Hub or API • On-demand information reporting— to turn data into actionable intelligence with customizable omnichannel reporting • Centralized Control Management— with granular role-based controls and multifactor authentication designed to help protect financial data across every channel Built for how your treasury operates today—and how it will evolve in the future. Explore how digital-first solutions can modernize your treasury: https://lnkd.in/eUEsTrfk ¹ Timing and speed of onboarding are subject to the receipt of all KYC documentation ² Applicable terms and conditions apply ³ Number of countries and currencies subject to change