Treasury and working capital management
Optimise treasury, reduce financial risks, and unlock liquidity
Help reduce treasury and working capital management costs
Build financial resilience and drive scalable growth with integrated tools to manage treasury, financial risk, and working capital processes across your organisation.
Mitigate financial and operational risk
Reduce financial risk and enable compliance with data-driven decisions, on-the-fly analytics, and deep drill-downs.
Increase operational efficiency and effectiveness
Use comprehensive automation capabilities and gain control with straight-through processing and intelligent applications.
Protect your investment
Gain agility, scalability, and extensibility across the treasury ecosystem with future-proof solutions.
Treasury and working capital assistants
Cash and Treasury Assistant
Optimise and control liquidity with intelligent positioning, forecasting, and bank insights to prevent risk and fund operations.
Accounts Receivable Assistant
Prepare collection calls, automate dispute resolution, and give AR teams a 360-degree customer view—helping finance teams reduce days sales outstanding and collect cash faster.
Accounts Payable Assistant
Empower your accounts payable process to be self-sufficient with AI-powered automation to resolve payment exceptions and reconcile vendors.
Explore treasury and working capital management capabilities
Mitigate risk, manage payments, and unlock liquidity in your operational processes to grow your business.
Monitor risk positions
Develop compliant hedge accounting strategies by monitoring price changes and currency conversion rates.
Manage debt and investments
Optimise capital structure, make informed decisions to maximise returns, and safeguard the stability of your organisation.
Mitigate financial risk
Reduce financial risks by enabling a system that manages counterparty credit and system risks.
Help reduce costs
Enhance cash flow and solidify supplier relationships by setting up early payment programmes with SAP Taulia Dynamic Discounting.
Optimise cash flow
Strengthen supplier ties and optimise working capital with SAP Taulia Supply Chain Finance.
Improve cash position
Improve cash flow with automated receivables financing using the integrated SAP Taulia platform.
Enhance payment security and cost control
Gain cash-flow flexibility, fraud protection, and payment control with SAP Taulia Virtual Cards.
Optimise accounts receivable
Manage open receivables, efficiently collect cash, and resolve disputes faster. Control customer credit risk and reduce bad debt.
Improve accounts payable management
Make automated vendor payments with greater control of cash outflows.
Centralise shared financial services
Automate routing, classification, and resolution with real-time ERP data for a consistent, scalable customer service experience.
Increase efficiency
Elevate financial operations with AI agents that seamlessly handle inquiries—so you can focus on strategic growth.
Improve payment operations
Reduce manual effort and automate payment operations with AI and intelligent processing rules.
Process credit card and digital wallet payments
Centrally manage and process credit card or digital wallet transactions by flexibly connecting payment service providers.
Analyse payment processing and status in real time
Manage processing and status for all digital payment transactions integrated with SAP S/4HANA Cloud out of a single dashboard.
Help process payments securely
Safeguard critical payment data using a secure, trusted, and scalable SAP-managed cloud service.
Process payments with full transparency and control
Maintain transparent control by centrally streamlining, approving, and monitoring all payments.
Set up and manage an in-house bank
Reduce costs, optimise cash operations, and strengthen financial control with an in-house bank for smarter payment management.
Enable payment compliance
Manage compliance with regulations and standardisation using central payment validation and verification.
Streamline banking service integration
Speed up banking service integration using a standardised, flexible, and scalable SAP-managed banking service network.
Automate banking transaction processing
Automate payments, bank messages, and bank statement processing with a cloud-based, SAP-managed bank communication network.
Add flexibility to banking operations
Scale up as transaction volumes grow and business expands while offering flexibility across multiple banks and countries.
Manage bank accounts effectively
Improve visibility and help reduce costs and fees with a centralised approach to bank account management.
Real-time cash visibility and forecasts
Gain a comprehensive view of cash positions with enhanced forecasting and intelligent predictions.
Optimise liquidity with smart trading solutions
Manage cash and liquidity with intelligent rules directly integrated with real-time cash data.
Reduce effort with automated bank reconciliation
Automate reconciliation of bank statements. Reduce manual effort and errors with AI and smart rules.
SAP for Treasury and Working Capital Management Conference
Join us to explore how SAP solutions are transforming treasury and working capital by enhancing cash flow, mitigating risk, streamlining payment processes, and more.
See how customers are succeeding with SAP
Solving friction in finance with AI
Discover how SKF drives continued innovation by reducing friction in its business processes through SAP Business AI.
Gaining enterprise visibility for 11 companies
Learn how TIMETOACT GROUP successfully used multibank connectivity to accelerate closing and integrate order-to-cash processes.
Enhancing finance processes through digital transformation
Explore how AI has allowed Accenture to significantly advance its cash application auto-clear rate and free up one-fifth of its cash flow.
See what analysts are saying about SAP
SAP named a Leader for Financial Planning Software
Explore why Gartner® named SAP as a Leader in its 2025 Magic Quadrant™ report for Financial Planning Software.
SAP named a Leader in AI-Enabled Enterprise Treasury and Risk Management Applications
Discover why SAP is named a Leader in its IDC MarketScape: Worldwide AI-Enabled Enterprise Treasury and Risk Management Applications 2025–2026 Vendor Assessment.
SAP named a Leader for Cloud ERP Finance
Explore why Gartner® named SAP as a Leader in its 2025 Magic Quadrant™ report for Cloud ERP Finance.
Navigate the transition to IFRS 18
Join us for a series of webcasts to learn about IFRS 18 requirements and how SAP customers can transition.
Featured resources
Reimagine working capital management with AI
Discover how SAP Business AI for Finance delivers cutting-edge solutions to streamline operations, providing real-time insights and automated processes that enable more intelligent decision-making and efficient cash management.
The future of treasury and working capital
Learn how to build a digital foundation for a forward-looking treasury using SAP cloud solutions and AI that enhance strategic roles, manage risks, and ensure liquidity.
Journeys to Treasury
Explore the emerging trends, challenges, and priorities that some of the world's leading treasurers believe will shape their best practices in 2025–2026 and beyond. This 10th anniversary edition is a collaboration between SAP, BNP Paribas, PwC, and the European Association of Corporate Treasurers (EACT).
CFO perspectives on unlocking insights through conversation
Discover new ways to quickly integrate innovative concepts, insights, and best practices into your business. In this e-book series for finance executives, you'll access the latest thought leadership created in partnership with Taulia.