Celent Model Bank 2016, Part V: Case Studies in Cash Management and Trade Finance

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12 April 2016


The vision for Celent’s Model Bank research, now in its ninth year, is to spotlight effective uses of technology in banking. The approach that Celent takes is to seek examples of best practices in technology usage which, in aggregate, would answer three questions below.

Every year we suggest five to eight categories and invite banks to nominate their technology initiatives. We review all nominations and recognize a number of them — up to four per category — with a Model Bank award.

In 2016, Celent accepted nominations in seven categories and awarded 18 initiatives. The case studies of winning initiatives are profiled in a seven part report series published today:

  1. Digital Banking Transformation
  2. Omnichannel Banking
  3. Digital Payments and Cards
  4. Corporate Payments and Infrastructure Modernization
  5. Cash Management and Trade Finance
  6. Security, Fraud, and Risk Management
  7. Legacy and Ecosystem Transformation

In Part 5, Celent profiles two award-winning initiatives in cash management and trade finance.

  • CIBC myClient product and pricing management
  • HBL (Habib Bank) unified corporate digital platform

Cash management and trade finance play a dominant role for many of the globe’s largest banks. These banks are dependent on this segment as a steady, stable source of fee and interest income. While this income represents low credit risk with minimal associated capital requirements, successfully serving cash management and trade finance customers require a dizzying array of products and services.

In this key banking segment, the strategic deployment of technology represents a compelling differentiator and contributor to growing market share. The Celent Model Banks in the Cash Management and Trade Finance category achieved product innovation through management vision and key partnerships with leading financial services software providers.

“Although they are extremely varied, all of the nominations received in this year’s Cash Management and Trade Finance category delivered substantial quantitative and qualitative benefits, says Patricia Hines, senior analyst with Celent’s Banking Group and author of the report. “Whether arising from digital transformation, technology innovation or legacy modernization, the most compelling benefits arose from projects focused on improving the customer experience.”

Nominations for Model Bank awards were accepted in late 2015. The Celent Banking team selected winners based on business benefits, degree of innovation, and technology or implementation excellence. Each Model Bank winning initiative is presented as a detailed case study within the report, including descriptions of business drivers, solutions, success metrics, and future plans.

This 26-page report contains two Celent Model Bank case studies, four tables, and two figures.