Home / Business and Economy / Treasury Tech Lag: 80% Still Manual
Treasury Tech Lag: 80% Still Manual
26 Nov
Summary
- 80% of treasury professionals use outdated manual systems.
- Digital cash flow visibility revolutionizes growth strategies.
- AI and automation are accelerating treasury management trends.
Many treasury professionals continue to manage critical financial functions with outdated technology, a recent survey from TD Bank at the 2025 AFP conference in Boston indicates. The study found that a significant 80% of treasury professionals are still using manual or fragmented systems, identifying this as a major challenge alongside macroeconomic uncertainty.
Despite three-fourths of respondents acknowledging that digital cash flow visibility and liquidity management solutions have revolutionized growth strategies, actual adoption rates are surprisingly low. This slow uptake is attributed to ingrained loyalty to manual processes and difficulties in securing investment for technological advancements, hindering progress in real-time cash flow management.
Looking ahead, treasury management is evolving rapidly, driven by digitization, embedded banking, and automation, with agentic AI poised to transform cash management, payments, and decision support. Professionals must also navigate evolving fraud threats through enhanced authentication and employee training, while recognizing that strong banking relationships remain crucial. Continuous learning, technology investment, and cross-functional partnerships are essential for sustainable growth and strategic value creation.
