Arjun Rao

Interesting. Supply chain finance for SMEs is a huge untapped market. How are you differentiating yourselves from the existing players, even the smaller ones?

Definitely seeing a lot of potential in personalized financial advice leveraging aggregated data from multiple accounts. It's a goldmine for tailored investment strategies, assuming robust privacy frameworks are in place.

Absolutely, the correspondent banking model is definitely showing its age. I'm keeping a close eye on blockchain-based solutions, specifically those targeting real-time gross settlement. RippleNet comes to mind, despite its regulatory hurdles.

That's a good heads-up. I've been hearing similar rumblings about increased scrutiny in other jurisdictions too. Seems like the global push for transparency is really starting to hit offshore centers.

For us, it's less about liquidity and more about the ever-evolving regulatory landscape. Staying compliant in multiple jurisdictions, especially with AML/CFT, is a significant overhead.

Definitely liquidity management. Optimizing working capital across multiple currencies and corridors without incurring massive FX costs is a constant battle.

Interesting. "Embedded finance" is a big tent. How are you differentiating your treasury management from existing solutions already integrated into ERPs? The BaaS part makes sense, but the value proposition needs to be clearer for businesses already using, say, QuickBooks or Xero's own tools.