likviditetsstyringssystemer

Likviditetsstyringssystemer (liquidity management systems) are information systems used to manage an organization's liquidity and funding needs. They consolidate cash positions, forecast inflows and outflows, and support decision-making on funding, investments, and working capital.

Key components include real-time cash visibility, short- and long-term cash forecasting, liquidity planning, funding optimization, bank connectivity and payment automation, intercompany funding, and risk management features such as liquidity risk metrics and scenario analysis. Most systems integrate with ERP and core banking platforms, and use APIs and bank interfaces (SWIFT, ISO 20022) for data exchange. Deployment options include cloud-based and on-premises, with varying levels of security and compliance.

Applications of these systems are primarily for treasurers and CFOs who seek to ensure adequate liquidity, optimize working capital, reduce idle cash, evaluate funding alternatives, and perform stress testing. Common outputs include cash position reports, forecast accuracy, liquidity coverage ratios, and funding recommendations.

Market and considerations include a range of offerings from stand-alone liquidity management modules to integrated treasury management solutions (TMS). Implementation requires good data quality, robust system integration, and change management. Regulatory and security considerations involve data protection and compliance with financial regulations. As organizations operate globally, these systems support multi-currency capabilities, cross-border payments, and centralized treasury structures.