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Recap #2: Round Table “The bridge between customer convenience and reconciliation” | Toekomst Betalingsverkeer

04/10/2021/0 Comments/in Francois de Witte, News | Articles, Payments and Banking /by treasuryXL

04-10-2021 | François de Witte | treasuryXL |

Here is my second recap where I will highlight the round table topic: Request to Pay: the bridge between customer convenience and reconciliation?

1. Introduction

On September 9, 2021, the event “Toekomst Betalingsverkeer” has taken place in Amsterdam. Amongst others, following topics were covered:

The Fintech evolution of banking.
Platform strategies & developments big tech.
Customer experience strategies.
Open banking.
Instant payments.

I hosted two round table sessions, the other round table named “Payment Challenges in a Post-Covid World”, and you can read the recap here.

2. Setting the Scene

The Request to Pay (RTP) is a payment technique allowing a business or individual wishing to receive a payment, to send an electronic request for that payment to the debtor account.

The request will be received by the payer – most likely via an electronic interface such as a mobile banking app showing the requested amount and the due date. The payer will then have some choices:

Pay in full.
Pay part
Ask for an extension
Decline payment

If the payer chooses to make a payment, the payee will be notified whether the payment is in part of in full and when it has been confirmed.

The scheme is operational in the UK.

The European Payments Council has published the first version of the Single Euro Payments Area (SEPA) Request-To-Pay (SRTP) scheme rulebook, which is expected to go live during 2022.

3. Outline of the scheme

Source: IS REQUEST TO PAY THE SYSTEM FOR A WORLD OF NEW NORMS? Finextra July 2020

4. Request to Pay: Benefits and challenges

The major advantage of the scheme is the convenience: when consumers want something, they want it quickly—immediately, if possible— and they want to pay for it as simply as possible, preferably using contactless payment. And, if possible, without even leaving the couch to dig out their card or account details.

Another advantage for the payor is that keeps a full control of the payment process.

For the Merchant, there are also important advantages, such as:

The follow up of the payment process.
The certainty of the payment: once the payment has been done, it is final, which is not the case for direct debits, where the payor has a refund right.
The easy reconciliation at the Merchant’s side, as the payment message in the RTP is not altered.

The challenges are to find the right and secure network to send the invoices and to channel the payments – there are already providers positioning their offer, to get the consent of the payer to receive his invoice through the RTP and to come to a standardization of the different schemes. This will be a key driver of success.

The SRTP (SEPA Request to Pay) is a good step in this direction. Following on a 3-month public consultation, the EPC expects to publish on 30/11/2021 its next rulebook (entering into effect 6 months to 12 months later – to be confirmed).

Thank you for reading!

To see all my previous blogs, click here.

François de Witte

Recap: Round Table “Payment Challenges in a Post-Covid World” | Toekomst Betalingsverkeer

22/09/2021/0 Comments/in Francois de Witte, News | Articles, Treasury for non-treasurers /by treasuryXL

22-09-2021 | François de Witte | treasuryXL |

On September 9, 2021, the event “Toekomst Betalingsverkeer“ took place in Amsterdam.

Amongst others, the following topics were covered:

The Fintech evolution of banking.
Platform strategies & developments big tech.
Customer experience strategies.
Open banking.
Instant payments.

I hosted two round table sessions on “Payment Challenges in a Post-Covid” World and we made a deep dive on the following 3 topics:

Instant Payments – the new “normal”?
Request to Pay: the bridge between customer convenience and reconciliation?
Digital currencies for a digital future?

In the present article, I will take a deep dive on the topic “Instant Payments: The New Normal”.

Setting the Scene

Since the creation of the SEPA Instant Credit Transfer (SCT Inst CT) Scheme in November 2017, we have observed a huge increase in the number of instant payments in Europe, as outlined in the statistics of the EPC down below:

We have also observed the same tendency in other countries outside the UE, like e.g., the UK. The Netherlands are clearly forefront runners in Europe.

Reasons for Using Instant Payments

In the diagram down below, you will see an outline of the major use cases for instant payments:

We observe also that increasingly instant payments are challenging the card payments, and this happens for several reasons such as:

Party paying the costs: whilst for the credit card and wallet payments, the costs are collected at the merchant side, for instant payments, they are charged at the payer side.
Costs: the costs of instant payments are usually way lower than the traditional card or wallet payments, in particular for high-value transactions.
Amount of the transaction: traditionally card payments have a limit of up to EUR 5 K, whilst for SCT Inst CT, the limit is put at EUR 100 K.
Irrevocability: whilst in the card schemes, clients have the possibility to revoke payments, whilst instant payments are irrevocable.

However, there are still some hurdles to overcome, such as:

Card payments are well embedded in the ecosystem and provide real ease of use. This presents good challenges for Fintechs to find smart solutions in this area.
Card payments also make contactless payments possible
The possibility to process batch payments, although more and more banks are able to do this.
Pricing: in some counties, instant payments remain expensive.

European Payment Initiative

EPI is an initiative launched by 31 European banks/credit institutions and two third-party acquirers to create a unified, innovative pan-European payment solution leveraging Instant Payments SEPA Instant Credit Transfer (SCT Inst) and cards. EPI will offer both a card and a digital wallet to consumers and merchants across Europe.

This innovative solution aims to become a new standard in payments for European consumers and merchants, both for retail payments and for payments between individuals “peer-to-peer”.

The aim is to reach out to the whole of Europe. In the first half of 2022, EPI plans to launch the first EPI offerings, based on both the EPI card and the EPI digital wallet. The first set of services will be available at the same time the brand is launched at a European level. These services will be expanded in phases from 2022 until 2024. EPI plans to complete a full deployment of services in 2025 (source: https://www.aciworldwide.com/what-is-the-european-payments-initiative).

EPI does not mean the end of the domestic card schemes. It means the migration of the domestic card volumes into EPI. Maintaining these domestic card schemes doesn’t make sense. It is a transfer of domestic transactions into EPI, which ultimately could result in de-commissioning domestic card schemes. But this is a choice of each national banking community and not of EPI.

The benefits are quite clear:

Immediate payment guarantees and high security
Capped debit interchange—lower fees
A standardized solution accepted across Europe—easier travel and enrolment procedures
Parallel development with Central Bank Digital Currencies and an identity scheme—enhanced user experience
A consolidation of use cases—increased convenience
The compatibility of existing card services with changes to other European payments schemes, such as SCT Inst CT.

The major challenge for EPI and its stakeholders will be convincing consumers (and, by extension, merchants) to get onboard. To acquire and retain a critical mass of users, EPI must have strong user incentives. It needs a compelling business case to convince issuers to migrate from domestic or international brands and acquirers to enable acceptance, the more that right now, all these national card schemes are amortized. This also requires a migration process, breaking user habits.

Conclusion

We see an increasing importance of Instant Payment in Europe, and the EPI initiative will further foster this evolution. However, the EPI might take some time. Good cooperation and interoperability with the domestic schemes will be important to get the required critical mass.

François de Witte

Round Table “Payment Challenges in a Post-Covid World” | Toekomst Betalingsverkeer

18/08/2021/0 Comments/in Francois de Witte, News | Articles, Treasury for non-treasurers /by treasuryXL

18-8-2021 | François de Witte | treasuryXL |

On September 9, 2021, the event “Toekomst Betalingsverkeer” will take place in Amsterdam. This annual event on the Future of Payments has been the meeting place for 20 years.

With upcoming edition following topics will amongst others be covered:

The Fintech evolution of banking.
Platform strategies & developments big tech.
Customer experience strategies.
Open banking.
Instant payments.

Close to 30 experts will share their views on the various developments and challenges in the payment world.

Round Table Sessions

I will be hosting two round table sessions on “Payment Challenges in a Post-Covid World”.

The Covid19 crisis had a huge impact on the payment landscape. We have seen interesting developments such as:

A large growth of e-commerce transactions.
An increased use of contactless payments.
A Surge in marketplaces and the increased importance of the platform strategy.
The payment experience is more critical than ever.
The increased use of cryptocurrencies, stablecoins and Central bank digital currencies (CBDC).
The increasing Demand for Mobile Point of Sale.
Online payments increasing in importance, replacing partially card-based payments;

TOPICS

During the round table, we will make a deep dive on the following 3 topics:

Instant Payments – the new “normal” ?
Request to Pay: the bridge between customer convenience and reconciliation?
Digital currencies for a digital future ?

I will not tell more about this, but hope to meet you there.

For more information and program overview, click here

François de Witte

International Treasury Management and Corporate Finance

15/07/2021/0 Comments/in Education & Training, Education & Training - homepage, Francois de Witte, News | Articles, Treasury for non-treasurers /by treasuryXL

| 15-7-2021 | François de Witte | treasuryXL |

We would like to highlight the following event, of which our Expert François de Witte is a part. Register below to learn more about International Treasury Management and Corporate Finance.

Registration

In order to be accepted to this certified path it will be asked to complete this application form .

This course will start in October 2021. It includes 9 training modules and 5 intermediary exams. It is necessary to complete this form before your official registration. Registration will be closed on 1st September 2021 .

If you do not wish to be certified but are interested in the topics, almost every course can be purchased independently by clicking on the title in the content below. This certified path is a blended training which contains both physical and virtual classroom, e-mentoring, teamwork, etc.

Description

The treasurer is the custodian of the company’s daily liquidity. He manages, anticipates and secures cash flows by ensuring that financial needs are covered. This cursus will give the ability to assist directly and practically the treasurer of large corporates or to take over the treasury responsibilities in a SME. The various modules will allow acquiring an in-depth knowledge of the various areas of the “Corporate Treasure” profession.

Objectives

At the end of this programme, the participant will able to:

assist directly and practically the treasurer of large corporates
take over treasury responsibilities in a SME.

The various modules will allow to acquire an in-depth knowledge of the various areas of the “Corporate Treasurer” profession.

Programme

Module 0: Introduction to Treasury Management
Speaker: Benjamin Defays / Treasury Manager

Corporate Treasurer’s responsibilities
Cash management (bank account opening, closing, KYC, Cash pooling, Payments and bank connectivity)
Liquidity management (importance of working capital management,
Risk management (foreign exchange, fraud, credit risk)
Trade finance (general context, intro to bank guarantees and letters of credit)

Module 1: Financial Maths in Excel (Focus on treasury & corporate finance)
Speaker: Hugues Pirotte / Professor of Finance at Solvay Brussels School

Focus on treasury & corporate finance
Time Value of Money
Vocabulary
Compounding intervals
Discount and annuity factors

Module 2: Payments, Cash Management and Banking Relations
Speaker François De Witte / Consultant

Payments (Process, Tools)
Liquidity Management
Cash-Flow Forecasting
In-House Banking
Banking Relationship

Module 3: Trade Finance in context of uncertainty
Speaker: Benjamin Defays / Treasury Manager

General contact, cultural aspects
Why trade finance in treasury
Bank Guarantees, Burgschafts, Surety Bonds, Letters of Credit, Cash against Documents
Alterative security instruments
Disruptive technologies

Module 4: Introduction to Counterparty Credit Risk Management and Cash Collection
Speaker: Benjamin Defays / Treasury Manager

Concepts & Practices/Types of Credit Risks
Understanding Financial Statements and Ratios
Credit Scoring/Ratings – S&P, Bloomberg models
Collecting overdue receivables – setting priorities
Strategies dealing with overdue invoices
Debt collection services development

Module 5: Practical Aspects of International Finance Regulation

Speaker: Lievin Tshikali

KYC, GDPR, EMIR, Bale III
International sanctions and their impact on transactions & overall business activities
Anticorruption (FCPA, UK Bribery Act)
EU competition law compliance
INCOTERMS
Drafting a contract (main considerations)

Module 6: Risk Management applied to treasury
Speaker: François Masquelier / Group Treasurer

FX, Interests
Counterparties
Others (Reputation, etc…)

Objectives of Hedge Accounting
Required documentation and formalisation of Hedge Accounting relationships
Different types of hedges (Fair Value, Cash Flow, Net Investment)
Booking adjustments of different hedge types
Typical examples of different hedge types

Module 7: Technologies applied to treasury
Speaker: François Masquelier/ Group Treasurer

New Technologies
Blockchain, Crypto-currencies, Smart Contracts
Treasury Console (Bloomberg, Thomson Reuters)
TMS, Financial Technology

Module 8: Cyberfraud: what you need to know to manage this ever increasing risk

Speaker: Thierry Hamon / Cash management & security expert

Getting an overview of the different cyberattacks techniques currently used
Understand the possible consequences of cyberfraud and what needs to be protected
Learn 50 ways to protect

Some homework might be proposed for some modules, there will be continuous control in the form of intermediary exams (under the form of QCM) and a final exam will be sanctioned by an attestation delivered by ATEL (The Luxembourg Association of Corporate Treasurers).

There might also be one or two “extra-activity”, such as a visit in a bank trading room or/and a special guest speaker addressing the cursus participants on a specific subject (still to be defined, optional events).

Target Audience

Anyone willing to acquire an in-depth knowledge in corporate treasury and wishing to exercise this knowledge in practice.

Prerequisites

Basic background in finance or accounting
For the Advanced Excel workshop, a preliminary (good) knowledge in Excel is required.

Course Material

The course material can be downloaded free of charge via your portal the day before the start of the course (download the Client Portal User’s Guide here).

Certificate

At the end of the programme, the participants will receive a “Certificate of Attendance” delivered by the House of Training, and an attestation of “Exam Success Pass” delivered by ATEL. In order to get certified, an 80% rate of attendance and a 60% average score on the examinations are required. The participants will also receive a one-year free membership to ATEL (www.atel.lu) giving a number of advantages.

Register Here

François de Witte

Virtual Masterclass | Advanced Treasury & Cash Management

06/05/2021/0 Comments/in Education & Training, Francois de Witte, News | Articles, Treasury for non-treasurers /by treasuryXL

| 06-05-2021 | François de Witte | treasuryXL |

How do you deal with constant change and uncertainty?

As treasury continues to expand its influence, delving deeper into the business and providing advisory services and tech solutions to increase efficiency, flexibility has become paramount. From building resilience in an environment of shifting risks to providing innovation to support business growth, much more is expected from treasury leaders today.

What will the next decade look like for treasury leaders? The past 10 years, with high levels of uncertainty, volatility and changing technology, have upended traditional treasury. Then along came Covid-19 to bring new risks and induce more anxiety for corporate growth and stability, never mind completely altering the way we work.

We’re delighted to introduce the Advanced Treasury & Cash Management Masterclass which is a live 3 half-day program of 4 hours each designed for finance, treasury and banking professionals who have practical experience in various roles in treasury management and who need to gain a deeper practical knowledge of advanced treasury management techniques in today’s changing environment.

Key takeaways and outcome of the program

Ensure that you are operating best practice in the current economic climate and receive the latest update on industry developments through the key topics:

When?

June 2-4, 2021

Who Should attend?

Treasury Managers
Risk Managers
Corporate and Institutional Treasury Sales
Corporate & Institutional Treasury Staff
Relationship Managers Corporate Banking
Fintechs
Financial Controllers
Business Controllers
Regulators
Auditors
Accountants
CFO

About The Trainer: François de Witte

After having worked for more than 30 years in banking, François launched his own consultancy activity, FDW Consult Services BV, specialized in Banking, Finance and Treasury consulting. From 2014 to 2016, he was also Solution Partner Treasury & Finance at USG Professionals. Since then, he took up several assignments, including one in the automotive sector with Ginion Group and with Ibanity, part of Isabel Group in the area of PSD2 and Open Banking. He currently is Senior Project Manager Treasury at Gaming1 (part of Ardent-Group). He is also independent Director at CKV, a niche mortgage and savings bank & Community Ambassador of treasuryXL.com.

François is lecturer of the course “Advanced Treasury” and “Cash and Working Capital Management” in the Mastersprogram “Finance and Treasury” at the Lille Management School, at the Treasury Courses at the Vlerick Business School, at Febelfin Academy, and at SBM Opleidingen. He has also a leading role in the Certificate in International Treasury and Corporate Finance Management organized by ATEL and the House of Training in Luxembourg. François has a Master’s degree both in Law and Economics from the Katholieke Universiteit Leuven.

Register now and receive a 20% Discount

Register by sending an email to [email protected] for further instructions

Liquiditeitsbeheer en Cash Forecasting | Beheer en controle van de liquide middelen, kredietlijnen en -termijnen

05/05/2021/0 Comments/in Education & Training, Education & Training - homepage, Francois de Witte, News | Articles, Treasury for non-treasurers /by treasuryXL

| 05-05-2021 | François de Witte | treasuryXL |

Hebt u een goed overzicht van de liquiditeitspositie van de onderneming? Is er geen sprake van een versnipperde cash- en kredietbenutting die u een onvolledig beeld geeft? Bent u onlangs geconfronteerd met liquiditeitsproblemen als gevolg van onverwachte uitgaven? Tijd om in actie te komen!

De coronacrisis stelt de situatie heel scherp. Heel veel bedrijven lopen tegen liquiditeitsproblemen aan. En het zijn vaak niet de minste! Zelfs grote, succesvolle ondernemingen hebben in de praktijk vaak onvoldoende zicht op hun cashpositie.

Omschrijving

Wilt u de liquiditeit van uw bedrijf verhogen? Dan loont het de moeite om uw huidig beleid eens goed onder de loep te nemen. Door een goede opvolging benut u de cash van het bedrijf optimaal en houdt u het beslag op de kredietlijnen zo beperkt mogelijk.

Met onze specialist staat u daar niet alleen voor! Als uw bedrijf groeit, groeit ook de complexiteit. Hoe gaat u de versnippering van uw kaspositie tegen? Hoe gaat u om met de complexiteit van multi-bancaire relaties en internationale handel? Dankzij deze opleiding vindt u de beste (gepersonaliseerde) aanpak voor uw bedrijf.

Voor wie is deze opleiding bestemd?

Deze module richt zich tot bedrijfsleiders, alsook alle financieel verantwoordelijken, treasurers, leden van het treasury team, controllers, financieel adviseurs, accountants, relatiegelastigden ondernemingen bij financiële instellingen.

Voorkennis

Financieel basisinzicht en ervaring met financiële transacties is vereist. Voelt u zich hier nog onvoldoende mee vertrouwd dan kan u voorafgaand de opleidingsmodule “Cash- en werkkapitaalbeheer” volgen.

Bijkomende info

Het programma komt in aanmerking voor 9 uren permanente vorming bij ITAA.

Programma

Belang van cash & liquidity management
Hoe kan u de cashposities dagelijks beter opvolgen
Hoe maakt u optimaal gebruik van uw cash & liquiditeit in het bedrijf

Cash forecasting
- Hoe een operationele cash forecast optuigen
- Cash forecasting en het financieel planning proces
- Link met cash management en working capital management
- Best practices en tools om cash & liquidity management te optimaliseren: toepassing op uw eigen bedrijf
- Praktijkervaring Cashforce
- Case study in groepen
Cashconcentratie
- Gangbare technieken voor de cash concentratie
- Manuele cash pooling
- Automatische cash balancing
- Notionele cash pooling
- Juridische en fiscale aspecten van cash concentratie
- Praktische aspecten – beheer van de intercompany leningen

Lesdata

Datum	Startuur	Einduur
donderdag 20/05/2021	18:30	21:30
donderdag 27/05/2021	18:30	21:30
donderdag 03/06/2021	18:30	21:30

Meer informatie en inschrijven: Klik Hier

François de Witte

Beheer van wisselrisico’s | Indekken of niet?

31/03/2021/0 Comments/in Education & Training, Education & Training - homepage, Francois de Witte, News | Articles, Treasury for non-treasurers /by treasuryXL

| 31-3-2021 | François de Witte | treasuryXL |

Internationaal zaken doen is onvermijdelijk verbonden met financiële risico’s. Hoe kunt u wisselkoersrisico’s op een verantwoorde wijze beheren?

Omschrijving

Weet u hoe verantwoord moet omgaan met wisselkoersrisico’s? Het antwoord geenszins éénduidig … Maar wat zeker is, is dat goede beslissingen beginnen bij een concrete inschatting van dit risico.

Assessment van uw wisselkoersrisico’s

Het is belangrijk om uw risico’s te identificeren en te kwantificeren. Koopt of verkoopt u in vreemde munten? Welke klantenrisico’s hebt u? Hebt u investeringen of leningen in vreemde valutas? En wat met andere cash flow risico’s? U moet beslissen in welke mate deze risico’s kunnen worden vermeden en of ze aanvaardbaar zijn.

Actieplan

Dan blijft de belangrijke vraag natuurlijk welke acties u neemt nadat uw situatie in kaart is gebracht. Worden de risico’s getransfereerd naar derden? Worden de risico’s ingedekt door verzekeringen of andere wisselkoersinstrumenten. Om de juiste verantwoorde beslissingen te nemen, moet u beschikken over het inzicht in deze verzekerings- en indekkingstechnieken. Hoe organiseert u een performante controle, opvolging en rapportering van de risico’s?

Voor wie is deze opleiding bestemd?

Deze module richt zich tot bedrijfsleiders, alsook alle financieel verantwoordelijken, treasurers, leden van het treasury team, controllers, financieel adviseurs, accountants, relatiegelastigden ondernemingen bij financiële instellingen.

Voorkennis

Financieel basisinzicht en ervaring met financiële transacties is vereist. Voelt u zich hier nog onvoldoende mee vertrouwd dan kan u voorafgaand de opleidingsmodule ‘Cash- en werkkapitaalbeheer’ volgen.

Bijkomende info

Dit programma komt in aanmerking voor 6 uur permanente vorming ITAA.

Programma

1. Financieel risico management: algemeen

Definitie
Identificatie, kwalificatie en kwantificatie van de risico’s
Risico tijdslijn
Verzekerings- en indekkingstechnieken: instrumenten
Risico politiek: strategie en tactiek
Risicomanagement: procedures, opvolging, controle en rapportering

2. Wisselkoersrisico’s

De financiële markten – algemeen
Type exposures: transactie, boekhoudkundig en economisch
Natuurlijke indekkingen
Interbancaire markt versus futures
Instrumenten voor de indekking van de wisselrisico’s

FX: Spot (contante) indekking
Forward (termijn) indekking
Currency swaps
Valuta-futures
Valuta-opties

Contractuele aspecten – ISDA documentatie
Bancaire aspecten: risicoweging
Regulering
Boekhoudkundige aspecten
Aanbevelingen
Case study in groep

Lesdata

Datum	Startuur	Einduur
maandag 19/04/2021	09:00	12:00
maandag 26/04/2021	09:00	12:00
Data onder voorbehoud van eventuele wijzigingen

Meer informatie en inschrijven: Klik Hier

François de Witte

3-daagse opleiding Cash- en werkkapitaalbeheer | Start midden maart 2021

16/02/2021/0 Comments/in Education & Training, Education & Training - homepage, Francois de Witte, News | Articles, Treasury for non-treasurers /by treasuryXL

| 16-2-2021 | François de Witte | treasuryXL |

Een transparant werkkapitaalbeheer met een goed inzicht in cash-, treasury- en creditmanagement

Omschrijving

Productieprocessen, (internationale) logistieke processen en verkoopprocessen brengen grote geldstromen in beweging. Een bedrijf financieel gezond houden kan niet zonder een gedegen werkkapitaalbeheer. In deze basisopleiding bekijken we alle inkomende en uitgaande geldstromen (debiteuren, crediteuren, voorraden en cash). U leert hoe u deze geldstromen kunt beheren en optimaliseren. Een aanrader voor iedereen wie interesse heeft en de noodzaak inziet van een transparant treasury- en creditmanagement.

Voor wie is deze opleiding bestemd?

Deze module richt zich tot bedrijfsleiders, alsook alle financieel verantwoordelijken, leden van het treasury team, controllers, financieel adviseurs, accountants, accountmanagers en productmanagers bij financiële instellingen.

Voorkennis

Financieel basisinzicht is vereist.

Bijkomende info

Het programma komt in aanmerking voor 9 uren permanente vorming bij ITAA.

Methodologie

Het programma is doorspekt met cases die samen met de deelnemers behandeld worden. Naast voorbeelden uit de praktijk die de theoretische onderbouw concretiseren, is er steeds aandacht voor de opmerkingen en vragen van de deelnemers. Om deze reden is het aantal deelnemers beperkt.

Programma

1) Basis Cash & Treasury

Factoren die de cash behoefte beïnvloeden (DSO, DPO, DIO, Bedrijfskapitaal)
Cash forecasting-technieken & logica (korte + lange termijn)
Bank connectiviteit
Betalingen
Hoe cash vrijmaken?
Cash management tools
Financieringstechnieken
Risk management (wisselkoersrisico)

2) Basis Creditmanagement

Effecten van credit management op het werkkapitaal
Bouwstenen van prospect naar klant
Basisprocessen, best practices en opvolging ter optimalisatie van uw werkkapitaal

Lesdata

Datum	Startuur	Einduur
woensdag 17/03/2021	09:00	12:00
woensdag 24/03/2021	09:00	12:00
woensdag 31/03/2021	09:00	12:00

Kies eventueel een andere locatie of tijdstip

Data onder voorbehoud van eventuele wijzigingen.

Meer informatie en inschrijven: Klik Hier

François de Witte

Treasury Management during the COVID 19-crisis: Opportunities & Risks – Live Webinar

01/02/2021/0 Comments/in Francois de Witte, News | Articles, Treasury for non-treasurers /by treasuryXL

| 1-2-2021 | François de Witte | treasuryXL |

As a result of the COVID19, many companies are faced with cash & liquidity problems. How do you deal with this? What tools do you have available to manage this? How do you approach the stakeholders, including the banks for additional loans. Find out in upcoming event with the help of our Expert François de Witte. Continues in Dutch…

Deze opleiding heeft als doelstelling om inzicht te geven in:

de tools voor het cash & liquidity management en hoe ze te gebruiken;
hoe je bijkomende financiële ademruimte creëert: beheer van werkkapitaal – uitstel van kosten;
hoe je de banken benadert voor uitstel van aflossingen en/of bijkomende kredieten;
de inschatting van de risico’s en opportuniteiten van deze nieuwe situatie;
het opstellen van een concreet actieplan.

Doelgroep

De opleiding kan gevolgd worden door verschillende doelgroepen:

KMO relatiegelastigden van banken;
Financiëel verantwoordelijken van KMO’s en non profit organisaties;
Corporate Treasurers.

Vereiste voorkennis

Advanced level: biedt praktijkgerichte toepassingen op de reeds verworven theoretische kennis van de “basic level” opleidingen (uitdieping).

Programma

Inleiding: Belang van cash & liquidity management

Deel 1: Tools voor het beheer van cash & liquidity management van je onderneming:

Wat is mijn cash positie vandaag?
Cash forecast voor de komende dagen, of zelfs weken?
Beheer van werkkapitaal
Cash Burn Rate – Cash runway
Dagelijkse stuurgroep Cash Positie
Beheer van financiële risico’s

Deel 2: Tips voor het verbeteren van je cash positie:

Beheer van de klantenpost
Beheer van de voorraden
Beheer van je leveranciers
Uitstel van bepaalde uitgaven

Deel 3: Onderhandeling van uitstel vervaldagen of nieuwe kredieten bij de banken:

Kredietbeoordeling door banken: aandachtspunten
Wat is momenteel voorzien door de overheid, Febelfin en de bank community?
Hoe benadert je best de banken: tips en tricks voor je kredietdossier

Deel 4: Risico’s en opportuniteiten – Actieplan:

Risico’s en opportuniteiten
Tips & Tricks
Actieplan

Q & A – Coaching

Praktische Informatie

Datum: 01-03-2021
Tijd: 10u – 12u30
Duurtijd: 2u30 (met pauze tussenin)
Plaats: inloggen op online platform
Extra info: Via het online leerplatform kan u doorklikken naar de webinar. U vindt alle informatie onder de categorie ‘mijn planning’.

Verder hoeft u niets te downloaden. Om de webinar te kunnen volgen, heeft u nodig: een computer, een internetverbinding en de mogelijkheid om geluid af te spelen. U krijgt via uw scherm de lesgever en de presentatie te zien. U heeft ook de mogelijkheid om gedurende de hele webinar vragen te stellen.

Methodologie

Type opleiding: Webinar (korte online opleiding)

Opleidingsmateriaal:

PowerPoint presentatie

Totale Prijs

Leden: € 160
Niet-leden: € 180
Partner BZB: € 160
Incompany: op maat, prijzen op aanvraag

1. Introduction

2. Setting the Scene

3. Outline of the scheme

4. Request to Pay: Benefits and challenges

Setting the Scene

Reasons for Using Instant Payments

European Payment Initiative

Conclusion

Round Table Sessions

TOPICS

For more information and program overview, click here

Registration

Description

Objectives

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Prerequisites

Course Material

Certificate

How do you deal with constant change and uncertainty?

Key takeaways and outcome of the program

When?

Who Should attend?

About The Trainer: François de Witte

Register now and receive a 20% Discount

Omschrijving

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Voorkennis

Bijkomende info

Programma

Lesdata

Omschrijving

Voor wie is deze opleiding bestemd?

Voorkennis

Bijkomende info

Programma

Lesdata

Meer informatie en inschrijven: Klik Hier

Omschrijving

Voor wie is deze opleiding bestemd?

Voorkennis

Bijkomende info

Methodologie

Programma

Lesdata

Meer informatie en inschrijven: Klik Hier

Doelgroep

Vereiste voorkennis

Programma

Praktische Informatie

Methodologie

Totale Prijs

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