Liquidity Management System

Comprehensive intraday liquidity visibility, control and compliance  

Managing liquidity at the speed of global transaction flow is increasingly challenging, requiring real-time data, detail and holistic visibility and collaboration across countries and time-zones. 

SAP Fioneer Liquidity Management System equips you to handle every aspect of liquidity management on a single, integrated platform. Built on our trusted banking technology stack, this solution is scalable, robust, and adaptable to serve the distinct requirements of your business, optimizing intraday liquidity costs, working capital and mitigating risk, straight out of the box. 

Key capabilities

  • Projected cash balances
  • Control of outgoing payments
  • Global, real-time availability
  • Liquidity stress testing
  • Detailed audit trail

Proven results for global financial institutions  


reduction in intraday
liquidity reserve


automation of


reduction of collateral
mobilized for intraday funding

Optimize intraday liquidity strategy

With centralized management and visibility, banks can streamline cash & collateral utilization, minimize overdraft & compensation fees, and curtail surplus EOD balances. Using sophisticated controls and proprietary algorithms for liquidity management strategies, institutions can reduce the intraday liquidity reserve, and generate substantial cost savings. 

Mitigate intraday liquidity risk

Maintain visibility, take control and adapt dynamically to market stress events. Decrease risks with automated checks to identify funding or default issues faster. Use integrated real-time intraday settlement exposure monitoring for key counterparties and clients against bank limits.  

Anticipate intraday compliance challenges

Considering increased regulatory emphasis on risk following recent bank failures, our Liquidity Management System helps teams quickly address liquidity challenges, even in fast-changing market conditions. Comply with BCBS 248 and Principle 8 by automating intraday data collection and monitoring to prevent process disruptions and stay on top of compliance, in any scenario.  

The future of insurance is decided by good products and good technology. You need a partner who is familiar with both worlds and who can excel in both worlds. And this is what SAP Fioneer is doing.

Heinrich Fritzlar, Vice President of Application Development,
Nürnberger Insurance  


Rapid time-to-market and ROI 

Our lightweight platform delivers reliable value-realization and accelerated ROI, with successful go-lives within 3-6 months. 


Created to work with even the most complex and robust infrastructures. Our solution is designed to support non-intrusive deployment even in heterogeneous IT landscapes. 

Global 24/7 real-time coverage  

Our solutions support you 24/7, accommodating multi-country, branch and time-zones to provide a real-time, liquidity-centric view of intraday collateral positions, anywhere. 


Implement and scale with confidence. Our platform has been proven with several large clients across multi-country deployments. 

Liquidity stress testing 

Proactively plan for potential risks with simulated financial stress, counterparty stress and market wide stress scenarios based on historical data. 

Detailed audit

Track risk and maintain compliance with a detailed audit trail of cash flows, including detailed customer views and reports. 

Project intraday cash balances

Manage settlement channels, internal business units and customer groups with real time projected intraday cash balances. 

Control outgoing payments 

Manage outgoing payments against liquidity (settlement) limits per cash account, client, counterparty using pre-defined, tailored, flexible, and configurable business rules.  

We need a quote here from Frank/ product owner about what’s possible with FPSL, what we have delivered so far.

Charlie Platt, Managing Director – Banking, SAP Fioneer

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