Real-time treasury: How APIs enable finance teams to unlock legacy data

August 19, 2024

three businessmen examining paper

Application Programming Interfaces (APIs) have the potential to transform treasury management. Here’s what treasurers need to know.

As digital transformation continues to sweep across finance, treasurers are increasingly looking to innovative technologies, such as application programming interfaces (APIs), to enhance efficiencies.

APIs are interfaces that allow unrelated systems to communicate with each other, sending and receiving information in real time. Within finance, APIs can be coded within backend systems, databases and applications to allow an organization’s Treasury Management System (TMS) and Enterprise Resource Planning (ERP) to maintain real-time connectivity with banks.

“Putting APIs to work in your finance technical array builds connections and new ways of doing things that begin to merge treasury and technology,” says Andy Hurt, product leader in Global Treasury Management at U.S. Bank. “We see senior finance and technology leaders aligning more closely than ever, and digital channels like APIs are steadily, and truly, transforming treasury management and corporate finance.”

Here, we’ll discuss the growing role for APIs in modern treasury strategy, the limitless potential for APIs in the future, and how finance leaders can leverage APIs in treasury management.

APIs in treasury: What are the possibilities?

As finance teams today face a spate of challenges — dynamic macroeconomic environments, inflation, and uncertainty around interest rates, to name a few — APIs can empower finance teams with the apps, tools and connectivity they need to not only improve the day-to-day, but also position them to do so strategically. APIs can deliver unparalleled visibility and control over all treasury functions, including bank connectivity, payments, cash reporting, and forecasting.

Depending on the process and strategy, APIs may also enable real-time performance of tasks, which allows finance teams to bypass the delay in data updates associated with batch and file-based processing. “We’ve seen clients using APIs to access account information and balances once per second, around the clock, to power their reporting dashboards,” Hurt explains. “It takes a bit of work to get there, but if your CFO is on a business trip halfway around the world, and they want to see the organization’s cash position in the middle of the night, APIs can make that happen.”

APIs also allow finance leaders to act on those insights and move money faster than ever. They can power instant payments, issue checks, originate ACH debits or credits, even send digital disbursements to their customers via Zelle®. “Payments are a great example of APIs in action, and can really shine when it comes to high-volume, high-frequency money movement,” says Hurt. “If a business needs to move a few million payments or more each day, it’s likely their solution is going to be powered by APIs”

Crucially, APIs also allow finance leaders to move money using tokenized personal and banking information to protect businesses and customers by eliminating exposure. “You can pass information using APIs to mitigate risk and protect client data in ways that you simply couldn’t before,” Hurt explains.

APIs expand the art of what’s possible

When it comes to how to leverage APIs, the sky’s the limit, says Hurt. “The beauty of APIs is that they’re a good, solid and secure foundation for technical process configuration. This really appeals to developers, and the new features they bring can lend a highly ‘customized’ feel for treasury and finance applications.”

On the most basic level, APIs free users from the boundaries of file formats, allowing finance teams to unlock legacy data in their preferred format. By building APIs into an organization’s back-end systems, developers can integrate legacy data into custom dashboards to control key treasury functions. And, because APIs are so rich and responsive, tech teams can combine the data received from multiple APIs — along with other technologies, such as machine learning — and compare the new “composite” information with legacy data to realize predictive analytics.

“We’ve seen clients come up with really creative use cases that have, in a cool way, been ahead of even our own product development, which is great for bankers to learn from,” Hurt says. “APIs can bring a common language to life and strengthen the bond between treasury and tech. They’re transforming together from operational expenses to bottom line contributions. That’s a business case in itself.”

How to leverage APIs in treasury management

Hurt shares three steps to get started.

1. Bring IT in early

Leveraging APIs effectively requires close collaboration between treasury and tech, so bring both teams to the table early to discuss the next best steps, recommends Hurt. “The API world is different from upgrading your ERP, for example. You need input from both finance and technology to make it work.”

Bringing both teams together allows treasurers to share their pain points and the functionality they’re looking for — so tech teams can assess the level of customization needed and devise strategies to make it happen.

The right API provider should be able to facilitate these conversations and bridge the gap between treasury and tech expertise. “We’re here to help bring your stakeholders together and have a holistic conversation, without overwhelming finance teams with detailed tech information, or vice versa,” Hurt says.

2. Map out a manageable path forward

Leveraging APIs isn’t an all-or-nothing strategy. Because APIs are so flexible, you can start deploying APIs to support one or two treasury functions in a way that significantly benefits the organization — and, when you’re ready, build on your strategy from there.

A holistic conversation between tech, treasury and the bank should help identify your most pressing pain points — the ideal starting points for transformation — and how APIs can address them. “It’s not technology we’re solving for, it’s business problems, so your pain points should be the compass that guides the path forward,” says Hurt.

The discussion should also create a strategy for the rollout. “Between all the necessary and important boxes to check, like due diligence, underwriting, compliance activities, approvals, and more, it’s the onboarding paperwork that sometimes takes longer than the technical integration,” advises Hurt. “Success is always a matter of craftmanship over speed, but that makes communication and stakeholder alignment critical, from finance to IT and every stop in between.

3. Choose a partner you can trust

As more and more developers bring treasury APIs to market, it’s important to find a provider who understands the stakes involved and can help you center security and compliance at each step of your journey.

“There’s a reason that finance is usually the last department to undergo digital transformation,” says Hurt. “Ignore the buzzwords and the hype. When you’re moving tons of money, it’s more important than ever to find a technology provider – and a trusted banking partner – who won’t ever compromise security, reliability or scalability. APIs and new technology can do amazing things, but we’re bankers first, and we take that very seriously.”

Contact a Treasury Management Consultant to learn more about how APIs can make your treasury operation more efficient so you can save time and provide a greater strategic value to your organization.

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How to budget 101: 6 strategies to try

How to Adult: 7 tax terms and concepts you should know

Tips for navigating a medical hardship when you’re unable to work

3 steps to prepare for a medical emergency

LGBTQ+ family planning: 3 questions to ask employers

LGBTQ+ adoption 101: What prospective parents should know

Legal protections for growing LGBTQ+ families

11 essential things to do before baby comes

Webinar: Uncover the cost: Starting a family

Preparing for adoption and IVF

Checklist: 10 questions to ask your home inspector

Handling the finances of someone who has died: Terms and definitions

Resources for managing financial matters after an unexpected death

What you need to know as the executor of an estate

When your spouse has passed away: A three-month financial checklist

What documents do you need after a loved one dies?

Simple steps to be ready for a natural disaster

Checklist: financial recovery after a natural disaster

How does money influence your planning?

College budgeting: When to save and splurge

U.S. Bank Student Scholarship

Student checklist: Preparing for college

Uncover the cost of a college diploma

How to save money in college: easy ways to spend less

How to gain financial independence from your parents

The A to Z’s of college loan terms

Co-signing 101: Applying for a loan with co-borrower

Practical money skills and financial tips for college students

How to build credit as a student

5 things to know before accepting a first job offer

Learn to spot and protect yourself from common student scams

How I did it: Paid off student loans

Bank Notes: College cost comparison

Four ways to make a strong resume for your first real job

Tips to earn that A+ in back-to-school savings

7 ways to teach your children to be scam-savvy

How to prevent fraud

Outsmart tax scams and keep your finances safe

Lessons learned from experiencing a scam

Keep your finances safe and secure: Essential tips for preventing check fraud

How to avoid student loan scams

Protecting elderly parents’ finances: 6 steps to follow when managing their money

4 ways to outsmart your smart device

Banking basics: Avoiding fraud and scams

How to spot an online scam

Money muling 101: Recognizing and avoiding this increasingly common scam

What you need to know about identity theft

What is financial fraud?

5 tips for seniors to stay a step ahead of schemers

Recognize. React. Report. Don't fall victim to financial exploitation

Recognize. React. Report. Caregivers can help protect against financial exploitation

Webinar: U.S. Bank asks: Are you safe from fraud?

Is online banking safe?

How-to guide: What to do if your identity is stolen

How you can prevent identity theft

8 tips and tricks for creating and remembering your PIN

How to avoid being the victim of a digital payments scam

Helping Gen Z build financial confidence

Short- and Long-Term Financial Goals for Every Life Stage

How your taxes can change after a major life event

What to do with your tax refund or bonus

Financial goals for 2024 a 12-month planning guide

How to save for a dream vacation

Tips for talking about money when friends earn more

Building confidence in your finances and career

Pros and cons of a personal line credit

3 tips for saving money when moving to a new home

What is a Certificate of Deposit? And what to know before opening an account

What does FDIC mean?  

3 financial tools to help automate your finances

3 ways to keep costs down at the grocery store (and make meal planning fun)

5 tips for creating (and sticking to) a holiday budget

Financial checklist: Preparing for military deployment

How to financially prepare for a military PCS

Planning self-care moments that matter (and how to finance them)

5 things to consider when deciding to take an unplanned trip

Stay committed to your goals by creating positive habits

Growing your savings by going on a ‘money hunt’

Working with an accountability partner can help you reach your goals

The banking app you need as a new parent

Why a mobile banking app is a ‘must have’ for your next vacation

How to decide when to shop local and when to shop online

Your guide to starting a job: Resources to help along the way

How to set yourself up for success in your first job

5 myths about emergency funds

Financial Wellness Assessment

Does your savings plan match your lifestyle?

Mobile banking tips for smarter and safer online banking

Uncover the cost: Wedding

Uncover the cost: International trip

Are savings bonds still a thing?

Tips to overcome three common savings hurdles

Adulting 101: How to make a budget plan

Personal loans first-timer's guide: 7 questions to ask

Mindset Matters: How to practice mindful spending

How and when to ask for a raise

How to choose the right rewards credit card for you

How can I help my student manage money?

How to manage money in the military: A veteran weighs in

Things to know about the Servicemembers Civil Relief Act

You can take these 18 budgeting tips straight to the bank

3 tips for saving money easily

Save time and money with automatic bill pay

How to best handle unexpected expenses

Stay on budget — and on the go — with a mobile banking app

Do you and your fiancé have compatible financial goals?

U.S. Bank asks: Transitioning out of college life? What’s next?

U.S. Bank asks: Do you know your finances?

U.S. Bank asks: Do you know what an overdraft is?

Personal finance for teens can empower your child

How to save for a wedding

How can you pay bills online the right way?

How compound interest works

Dear Money Mentor: How do I set and track financial goals?

Lost job finance tips: What to do when you lose your job

Money Moments: 3 smart financial strategies when caring for aging parents

Money management guide to financial independence

First-timer’s guide to savings account alternatives

7 financial questions to consider when changing jobs

5 tips to use your credit card wisely and steer clear of debt

Money Moments: 3 tips for planning an extended leave of absence

Overdrafts happen: Steps to get you back on track

P2P payments make it easier to split the tab

Essential financial resources and protections for military families

How to stop living paycheck to paycheck post-pay increase

Practical money tips we've learned from our dads

6 ways to spring clean your finances and save money year-round

How to cut mindless spending: real tips from real people

How to increase your savings

Bank from home with these digital features

Military finance: How to create a family budget after military service

Discovering your money personality can help you save

Tips on how couples can learn to agree about money

Understanding your military GI Bill benefits

How grandparents can contribute to college funds instead of buying gifts

How to open and invest in a 529 plan

Using 529 plans for K-12 tuition

Is a home equity loan for college the right choice for your student

Parent checklist: Preparing for college

How to apply for federal student aid through the FAFSA

What to consider before taking out a student loan

Are you ready to restart your federal student loan payments?

Consolidating debts: Pros and cons to keep in mind

How to talk to your lender about debt

Everything you need to know about consolidating debts

Managing debt

Best travel credit card perks for family vacations

5 tips to use your credit card wisely and steer clear of debt

5 steps to selecting your first credit card

How to use debt to build wealth

What’s a subordination agreement, and why does it matter?

Understanding the true cost of borrowing: What is amortization, and why does it matter?

Know your debt-to-income ratio

How to pay off credit card debt

Your quick guide to loans and obtaining credit

Dear Money Mentor: How do I begin paying off credit card debt?

Checklist: 10 things to look for when touring a home

How to sell and buy a home at the same time

Dear Money Mentor: What is cash-out refinancing and is it right for you?

Home improvements with the best ROI

Overcoming high interest rates: Getting your homeownership goals back on track

How we did it: Converted to solar power

PCS moving checklist for military spouses and families

For today's homebuyers, time and money are everything

Crypto + Homebuying: Impacts on the real estate market

How I did it: Bought my dream home using equity

Buying a home Q&A: What made three homeowners fall in love with their new home

House Hacks: How buying an investment property worked as my first home

Starting your homebuying journey

Managing the impacts of appraisal gaps in a hot housing market

How I did it: Built living spaces to support my family

Spring cleaning checklist for your home: 5 budget-boosting tasks

Saving for a down payment: Where should I keep my money?

Your guide to breaking the rental cycle

Checklist: 6 to-dos for after a move

What are conforming loan limits and why are they increasing

Uncover the cost: Building a home

The lowdown on 6 myths about buying a home

4 ways to free up your budget (and your life) with a smaller home

Get more home for your money with these tips

Money Moments: Tips for selling your home

Money Moments: How to finance a home addition

How I did it: My house remodel

First-time homebuyer’s guide to getting a mortgage

Dear Money Mentor: When should I refinance a mortgage?

Beyond the mortgage: Other costs for homeowners

10 questions to ask when hiring a contractor

What is an escrow account? Do I have one?

These small home improvement projects offer big returns on investment

Should you get a home equity loan or a home equity line of credit?

Mortgage basics: What’s the difference between interest rate and annual percentage rate?

Is a home equity line of credit (HELOC) right for you?

How to use your home equity to finance home improvements

How does a home equity line of credit (HELOC) work?

How do I prequalify for a mortgage?

Home equity: Small ways to improve the value of your home

Can you take advantage of the dead equity in your home?

4 questions to ask before you buy an investment property

10 uses for a home equity loan

What applying for store credit card on impulse could mean

Improving your credit score: Truth and myths revealed

How to spot a credit repair scam

6 essential credit report terms to know

5 unique ways to take your credit card benefits further

How to maximize your credit card rewards

Test your loan savvy

Decoding credit: Understanding the 5 C’s

Should you give your child a college credit card?

U.S. Bank asks: What do you know about credit?

What types of credit scores qualify for a mortgage?

What is a good credit score?

Credit score help: Repairing a bad credit score

How to improve your credit score

Common questions about electric vehicles (EVs)

What to keep in mind when buying a used car from a private seller

How I decided that buying an RV was worth it for me

Take the stress out of buying your teen a car

Questions to ask before buying a car

How to choose the best car loan for you

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