The API advantage

With instant payments surging in 2025, application programming interfaces have become critical to liquidity visibility, automation and real-time cash management in corporate treasury.

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Growing demand for APIs

Preliminary results from the Euromoney Cash Management Survey 2025 show a notable shift in treasurers’ priorities towards automation. Among the 30,000 corporate respondents, payables and receivables automation rose by two positions in product importance, ranking just after corporate accounts, domestic payments and liquidity solutions.

This trend reflects a growing understanding that automation and digitisation are not optional but essential for modern treasury operations. As Ankur Kanwar, head of transaction banking SG and Asean and global head of cash, structured solutions development at Standard Chartered, explains: “API usage in B2C transactions helps to bind the finality of payment with the conclusion of a sale.

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