For Banks
TreasuryAgent allows your commercial customers to automate your existing online cash management website without requiring your bank to build or maintain a separate unattended customer connectivity platform. Your customers receive the unattended connectivity they need while your bank continues to invest in a single customer interface.
Many banks already offer secure file transfer services, and TreasuryAgent works with those services as well.
A file transfer portal tells you that your file arrived. The online cash management website tells you what happened after it arrived.
A file transfer portal is designed primarily to exchange files. It typically acknowledges that a file was successfully received by the bank. The online cash management website goes much further. After a payment file is submitted, it can often provide immediate processing results—identifying which payments were successfully processed, which failed, confirmation and reference numbers, exception details, and other real-time responses from the bank’s processing systems.
TreasuryAgent automates those interactions.
In addition to securely exchanging files, TreasuryAgent provides scheduling, unattended operation, event monitoring, file transformation, notifications, and direct integration with treasury and ERP systems. It enables corporate financial applications to benefit from the same real-time banking interactions available to an authorized user of the bank's online cash management website.
Traditional file transfer platforms focus on securely moving files between the bank and the customer.
TreasuryAgent automates banking operations.
In addition to securely exchanging files, TreasuryAgent can automatically retrieve reports, submit transactions, monitor for events, receive confirmations, process exceptions, retrieve images, convert file formats, and exchange information directly with corporate financial applications.
No.
TreasuryAgent works with your existing online cash management website and can also communicate with your existing file transfer services when appropriate. No modifications to your banking systems are required.
TreasuryAgent communicates directly with the underlying technology of your online cash management website rather than navigating rendered web pages like a human user.
This approach provides fast, reliable automation while remaining largely unaffected by cosmetic website changes such as branding, colors, page layouts, or graphics.
Most website updates involve cosmetic changes such as branding, graphics, navigation, or page layout.
TreasuryAgent communicates with the underlying application technology rather than the cosmetic presentation layer. As a result, most website updates require no changes.
If significant application changes are introduced, TreasuryAgent's automatic update mechanism can quickly distribute updated bank configuration files to customer installations.
Deployment typically requires only a test account and the creation of a bank-specific configuration.
Because TreasuryAgent works with your existing online cash management website, banks can typically begin offering unattended customer connectivity in weeks rather than the months or years often required to design, develop, test, and deploy a new customer connectivity platform.
Yes.
TreasuryAgent is designed to work with the security technologies already implemented by your bank, including OTP, random security questions, HTTPS, digital certificates, software and USB security tokens, encryption, password management, and other authentication methods.
Yes.
TreasuryAgent was designed as a multi-bank platform. Customers can automate banking activities across multiple financial institutions while maintaining independent configurations for each bank.
Yes.
TreasuryAgent is designed for OEM deployment and can be customized with your bank's branding, configuration, and supported banking services.
Yes.
TreasuryAgent may operate as a standalone application or be integrated directly into treasury workstations, reconciliation systems, ERP applications, cash forecasting systems, and other corporate financial software through APIs, command-line interfaces, and other integration options.
For your bank:
Every major bank has already invested heavily in building a secure, feature-rich online cash management website.
TreasuryAgent allows your commercial customers to automate that investment.
Rather than building and maintaining another customer connectivity platform, TreasuryAgent extends the value of the platform you already own—delivering fast deployment, lower costs, and unattended banking automation with no changes to your existing banking systems.
TreasuryAgent was designed as a multi bank system. One TreasuryAgent can run multiple banks or a client can run several different bank branded TreasuryAgent systems on a single machine. Each bank that licenses TreasuryAgent will have its own program executable (separate program version) and Template file, as well as several OEM features.
TreasuryAgent is configurable to support multiple languages.
The bank provides a test account from which we can capture data needed to generate what we call a Bank Template. This Template contains all the services offered on the bank website or those services which the bank wishes to offer unattended access to.
Yes. TreasuryAgent does offer some options. First, if the acquired clients use treasury technology such as reconciliation systems, treasury workstations, ACH initiation, cash forecasting or positive pay issue systems, TreasuryAgent can be configured to work with the acquired bank’s website. This achieves three goals: immediate branding for the new bank, eliminating TTY yet leaving newly acquired clients on acquired bank website where all their accounts and services are configured as they like. When your bank is ready, TreasuryAgent can cut the clients over to the new system. Clients will not even be aware that one day TreasuryAgent was connecting with the old bank website, then the next day to the new bank website.
TreasuryAgent communicates directly with the underlying technology of your online cash management website rather than the cosmetic presentation layer. While websites routinely undergo branding, layout, navigation, and graphic changes, the underlying application technology typically remains stable. As a result, cosmetic website updates rarely affect TreasuryAgent.
TreasuryAgent is also designed to discover and adapt to many new website features automatically. For example, if your bank introduces a new custom report, TreasuryAgent can detect it and make it available as a new download option. Only significant architectural changes—such as migrating to an entirely new cash management platform—typically require an updated TreasuryAgent bank configuration.
Yes.
TreasuryAgent can periodically monitor your online cash management website for broadcast messages, service advisories, maintenance notifications, and other announcements intended for business users. When a new message is detected, TreasuryAgent can automatically notify designated users by email or trigger additional automated processing within the customer's environment.
That's understandable.
TreasuryAgent was specifically designed to eliminate the deployment and maintenance problems traditionally associated with desktop software. Installation is wizard-driven, configuration is simple, and software updates are distributed automatically over the Internet. Most customers can install and configure TreasuryAgent with little or no technical assistance.
Because TreasuryAgent leverages your existing online cash management website, your bank does not need to develop or maintain a separate customer interaction platform.
No.
When a password change is required, TreasuryAgent can automatically submit the new password to the bank website. After the website confirms the change, TreasuryAgent securely updates all scheduled Tasks using those credentials, allowing unattended processing to continue without manual reconfiguration.
As commercial banking evolved from dial-up cash management systems to browser-based cash management websites, banks dramatically improved the customer experience. Online banking became faster, more secure, easier to use, and capable of supporting an ever-growing range of treasury services.
Unfortunately, something important was lost.
The browser replaced unattended automation with manual interaction. Corporate treasury systems could no longer automatically exchange information with the bank. Instead, users had to log into the bank's cash management website, navigate through screens, upload payment files, download reports, retrieve confirmations, and manually transfer information into their financial systems.
For more than two decades, banks have searched for an effective way to restore unattended connectivity for their commercial customers. The industry responded with SWIFT, host-to-host connections, managed file transfer platforms, APIs, and other specialized connectivity solutions. While each addresses specific requirements, they often require significant implementation effort, ongoing support, and substantial investment by both banks and corporate customers.
TreasuryAgent takes a different approach.
Instead of creating another customer connectivity platform, TreasuryAgent securely automates the bank's existing online cash management website. It communicates directly with the underlying application technology of the website, allowing corporate financial systems to perform the same banking operations as an authorized user—without human intervention.
The result is a solution that is fast to deploy, inexpensive to operate, leverages the bank's existing investment in its online cash management platform, and gives corporate treasury systems access to the same real-time banking services already available through the website.
We will walk through your banks, your files and your systems.