Strategic liquidity management: Driving financial flexibility with modern payment solutions

Sunny Gutta
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Sunny Gutta: Reddit Inc., USA

Journal of Payments Strategy & Systems, 2025, vol. 19, issue 2, 124-132

Abstract: In an economy that is ripe with economic policy uncertainty, businesses need to manage liquidity efficiently to survive the troughs and shocks. Chief financial officers and treasurers equally recognise the risk that inefficient liquidity management can pose to the very survival of the company. This research explores the transformative potential of modern payment solutions in optimising liquidity and enhancing financial flexibility for non-financial companies. It investigates how the strategic adoption of real-time payments, blockchain technologies and other innovative payment mechanisms can revolutionise receivables and payables management, thereby improving cash-flow forecasting, reducing working capital needs and strengthening overall financial health. This article is also included in The Business & Management Collection which can be accessed at https://hstalks.com/business/.

Keywords: liquidity; cash-flow forecasting; real time payments; blockchain; API; corporate treasury (search for similar items in EconPapers)
JEL-codes: E5 G2 (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:aza:jpss00:y:2025:v:19:i:2:p:124-132

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