flow case studies

flow case studies, Cash management

How Celanese uses virtual accounts to streamline its cash How Celanese uses virtual accounts to streamline its cash

US-based specialty materials and chemicals company Celanese is rebuilding its global liquidity structure. Treasury specialists Hugo Rivera and Peter Szucs tell flow’s Desirée Buchholz why virtual accounts play a key role in this project – and what lessons they have learned from peers

How Celanese uses virtual accounts to streamline its cash More

flow case studies, Trade finance and lending

How KME's copper is fuelling the digital age How KME's copper is fuelling the digital age

Copper is one of the key energy transition metals – as well as an essential component of the digital revolution, so all eyes are on its availability. Financial writer Ivan Castano Freeman provides an overview of this versatile metal and talks to copper processor KME Group about financing production

How KME's copper is fuelling the digital age More

flow case studies, Cash management

Unlocking FX efficiency at Endesa Unlocking FX efficiency at Endesa

The US-dollar is the dominant currency in the global energy market – which is why managing FX risks is a key task for utility companies like Spanish Endesa. flow explores how Endesa’s treasury team has managed to link payment flows with FX trades and drive automation

Unlocking FX efficiency at Endesa More

flow case studies, Cash management, Technology

How BioNTech masters real-time treasury How BioNTech masters real-time treasury

Innovation and speed have been part of BioNTech’s DNA ever since its formation 16 years ago. Back in 2020, it took the German biotech company less than a year to develop a vaccine against Covid-19. flow’s Desirée Buchholz talked to Dirk Schreiber, BioNTech’s Head of Treasury, on why real-time treasury is key for him – and how APIs help to achieve this goal

How BioNTech masters real-time treasury More

flow case studies, Cash Management

E.ON Drive: streamlining payments for EV charging E.ON Drive: streamlining payments for EV charging

Boosting demand for electric vehicles (EV) is key to decarbonising road transport. With corporates accounting for 60% of car purchases in Europe, incentivising companies to electrify their motor fleets is essential. flow’s Desirée Buchholz reports on how E.ON Drive is contributing to this goal – and why efficient payment processes and APIs are part of its success

E.ON Drive: streamlining payments for EV charging More

flow case studies, Sustainable finance

Salzgitter AG: transitioning to green steel Salzgitter AG: transitioning to green steel

Coal-based blast furnaces have been core units in steel production for more than 100 years. Now, the industry is looking for ways to cut CO₂ emissions to align with net zero targets from regulators and customers. flow’s Desirée Buchholz reports on how German steel- and technology company Salzgitter AG is leading the way towards decarbonising steel manufacturing

Salzgitter AG: transitioning to green steel More

flow case studies, Trust and agency services {icon-book}

AstraZeneca and tomorrow’s therapeutics AstraZeneca and tomorrow’s therapeutics

Growing shareholder value and delivering medicines where they are needed most is a tightrope that AstraZeneca has walked for a while. flow’s Clarissa Dann catches up with Andy Barnett, the Anglo-Swedish group’s Head of Investor Relations, about what it takes to maintain investor loyalty over the long term

AstraZeneca and tomorrow’s therapeutics More

flow case studies, Trade finance and lending

REC: supporting India’s renewable energy strategy (1) REC: supporting India’s renewable energy strategy (1)

In the first of two articles, flow’s Clarissa Dann sets out the Indian government’s strategy for increasing its renewable energy capacity, with insights from REC Limited, the country’s prominent “Maharatna” public sector enterprise

REC: supporting India’s renewable energy strategy (1) More

flow case studies, Cash management

Stabilus: Setting up business in India Stabilus: Setting up business in India

In April 2024, German automotive supplier Stabilus Group acquired US industrial automation specialist DESTACO to expand its industrial business. To close this transformational M&A deal, Stabilus had to set up a legal entity in India that fulfilled all financial requirements within six months, explains CFO Stefan Bauerreis. flow’s Desirée Buchholz reports on how the company achieved this goal

Stabilus: Setting up business in India More

flow case studies, Cash management {icon-book}

Treasury forward Treasury forward

Boehringer Ingelheim has grown into Germany’s biggest pharma company. flow’s Desirée Buchholz reports on how its treasury function supports business expansion by taking a deep-dive into an innovative workflow automation project in Asia-Pacific

Treasury forward More

flow case studies, Cash management

Takeda’s in-house banking expansion into APAC Takeda’s in-house banking expansion into APAC

Japanese pharma company Takeda embarked on its in-house banking journey as early as 2008. Assistant Treasurer, Fiona Foley and Treasury Operations Lead for EMEA and Canada, Andreas Schollenberger tell flow’s Desirée Buchholz why the team’s attention is now turning to Asia-Pacific – and how on-behalf-of structures are a big lever for efficiency

Takeda’s in-house banking expansion into APAC More

flow case studies, Trade finance and lending

REC: financing India’s renewable energy strategy (2) REC: financing India’s renewable energy strategy (2)

In the second of two articles, flow’s Clarissa Dann explains how renewable energy projects in India are financed, the role of non-bank financial institutions, concluding with a profile of REC Limited and how Deutsche Bank has supported this NBFI with lending

REC: financing India’s renewable energy strategy (2) More

flow case studies, Sustainable finance

Pepperl+Fuchs: Financing sustainable growth in Vietnam Pepperl+Fuchs: Financing sustainable growth in Vietnam

With Asia-Pacific a major sourcing hub for global supply chains, multinational companies need to ensure that their ESG targets in the region are met. flow’s Desirée Buchholz reports on how German industrial sensor manufacturer Pepperl+Fuchs established a sustainable factory in Vietnam that could serve as an ESG role model

Pepperl+Fuchs: Financing sustainable growth in Vietnam More

flow case studies, Sustainable finance

Powering the European EV transition Powering the European EV transition

Electric vehicles (EV) are a pivotal technology for sustainable mobility. This means affordability for all if the automotive sector is to achieve net zero. flow’s Desirée Buchholz reports on how the newly-formed European battery company ACC aims to lower costs and gain control over supply chains with support from four European banks

Powering the European EV transition More

flow case studies, Cash management, Dossier ASEAN

DOKU’s payment gateway from paradise DOKU’s payment gateway from paradise

Indonesian payment fintech company DOKU is a key enabler for Indonesian and global merchants and consumers in a fragmented payments landscape. This flow case study charts how the company was founded in a digital desert and grew to become today’s powerhouse for 150,000 clients through vision, hard work and favourable demographics

DOKU’s payment gateway from paradise More

flow case studies, Cash management

A new suite of virtual accounts for home24 A new suite of virtual accounts for home24

home24’s success as an online furniture platform is founded on effective process automation. flow explores how virtual account numbers help provide the efficiency needed to sustain the company’s rapid growth

A new suite of virtual accounts for home24 More

flow case studies, Cash management

Case study: Deutsche Bahn Case study: Deutsche Bahn

First published in TMI, this article explores how Deutsche Bahn has worked with Deutsche Bank to define and implement a payments fraud risk management framework for its high- value treasury payments. This framework incorporates sophisticated analytics and risk profiling, but also intensive and regular employee training and wider industry collaboration

Case study: Deutsche Bahn More

flow case studies, Cash management

Bottling success Bottling success

Coca-Cola European Partners’ treasury team worked with Deutsche Bank to manage the FX and interest rate risk associated with the acquisition of Coca-Cola Amatil and the company’s subsequent transformation into Coca-Cola Europacific Partners. flow provides a summary of the deal

Bottling success More

flow case studies, Sustainbale finance, Dossier Covid-19 {icon-book}

Pharma karma Pharma karma

Novartis is taking bold steps to increase access to medicines and tackle complex global health challenges. flow’s Janet Du Chenne explores how a social bond focuses the pharma company on achieving ambitious targets for getting medicines to low- and middle-income countries

Pharma karma More

SWIFT {icon-book}

Responsible innovation Responsible innovation

How can you connect four billion accounts globally in an instant? It’s the bold vision of SWIFT CEO, Javier Pérez-Tasso, who tells Clarissa Dann about the responsibilities of a cooperative that creates mutual benefit for the financial community

Responsible innovation More

flow case studies. Cash management

TÜV Rheinland's new cash management strategy in APAC TÜV Rheinland's new cash management strategy in APAC

TÜV Rheinland, a global testing service provider, has revamped its cash management operation in Asia-Pacific. Head of treasury Julien Muet tells flow’s Desirée Buchholz how his team rethought its banking strategy, centralised liquidity and streamlined processes in a project with Deutsche Bank

TÜV Rheinland's new cash management strategy in APAC More

flow case studies, Sustainable finance {icon-book}

Greening Henkel’s supply chain Greening Henkel’s supply chain

Henkel is using its position as a key buyer to incentivise suppliers to pursue more sustainable practices. flow’s Clarissa Dann explores the critical role of the company’s supply chains in this transition and how sustainability-linked supply chain finance programmes are driving change

Greening Henkel’s supply chain More

flow case studies, Cash management, Trade finance and lending {icon-book}

On the right track On the right track

When Jeremy Hamon took Primetals Technologies into a four-year ESG-aligned FX hedging commitment, the finance and treasury function brought the entire steel engineering business on board to ensure it performed to agreed criteria. flow’s Clarissa Dann explores the remarkable journey

On the right track More

flow case studies, Sustainable finance {icon-book}

The golden touch The golden touch

Gold has seen its value soar during Covid-19. But what happens when its top-producing countries go into lockdown? Peter Steenkamp, CEO of South Africa’s Harmony Gold, tells flow’s Janet Du Chenne how the company is engaging investors amid the pandemic

The golden touch More

BNY MELLON {icon-book}

Fast-forwarding capital markets Fast-forwarding capital markets

In today’s business environment, investment firms need to be able to make quicker decisions, remove latency and eliminate manual tasks. flow’s Janet Du Chenne reports on how BNY Mellon’s technological transformation has enabled it to help clients achieve this

Fast-forwarding capital markets More

NAYARA ENERGY {icon-book}

A new era for Indian energy A new era for Indian energy

With India’s energy consumption poised to grow at almost 5% annually over the next decade, its refineries are systemically important. Clarissa Dann talks to the leadership team at the Mumbai headquarters of Nayara Energy about realising potential – 20 million metric tonnes per year of it and growing

A new era for Indian energy More

flow case studies, Cash management

How Lowell’s customers benefit from Request to Pay How Lowell’s customers benefit from Request to Pay

As a new EU regulation will mandate banks to offer euro instant payments to their customers, solutions such as Request to Pay (RTP) are set to gain importance. flow’s Desirée Buchholz reports on how credit manager Lowell uses RTP to simplify payments for the consumer – and improve efficiency

How Lowell’s customers benefit from Request to Pay More

flow case studies, Cash management

FX with style from Valentino FX with style from Valentino

Making cross-currency payments between a subsidiary to a central account is often costly and inefficient. flow explores how fashion house Valentino implemented an award-winning accountless solution with an integrated FX workflow to support its growth in South Korea

FX with style from Valentino More

flow case studies, Cash management

Roche’s treasury transformation journey Roche’s treasury transformation journey

The Roche Group treasury team has been on an ambitious journey since 2004, and this has since proved a model for treasury functions around the world. With the implementation of virtual accounts a pivotal step, flow charts treasury’s transformation to become a strategic business partner for the Group

Roche’s treasury transformation journey More

flow case studies, Cash management {icon-book}

Smart payments for smart cameras Smart payments for smart cameras

Azena, an IoT-based security equipment start-up funded by Germany’s engineering and technology giant Bosch, is revamping its digital payment strategy. flow’s Desirée Buchholz reports on its partnership with Deutsche Bank to improve the customer experience and meet the needs of a fast-growing B2B marketplace

Smart payments for smart cameras More

FEDERAL HOME LOAN MORTGAGE CORP.; FEDERAL NATIONAL MORTGAGE ASSOC.

Digital mortgages come of age Digital mortgages come of age

Covid-19 disruption has pressured industries previously reliant on manual processes to move towards new technologies that function and deliver on their contractual obligations. flow’s Janet Du Chenne assesses how the pandemic and structural changes in the US residential mortgage industry have accelerated the shift from a manual, paper-oriented and in-person set of practices to a process that utilises digital technologies

Digital mortgages come of age More

GENMAB {icon-book}

Antibody builders Antibody builders

Following the success of the blockbuster anti-cancer drug DARZALEX (daratumumab), Genmab is developing a pipeline of proprietary antibodies. Anthony Pagano, the Danish firm’s new CFO, tells flow’s Janet Du Chenne how the company’s US capital raising fits that strategy

Antibody builders More

flow case studies, Cash management, Technology

APIs and virtual accounts, real-time benefits APIs and virtual accounts, real-time benefits

German fintech Moss offers small and medium-sized companies real-time visibility and control over their expenses. flow’s Desirée Buchholz reports on why APIs and virtual accounts are essential for the start-up – and how Moss has teamed up with Deutsche Bank to enable real-time account top ups and withdrawals for its clients

APIs and virtual accounts, real-time benefits More

flow case studies, Sustainable finance, Cash management

An energy self-sufficient future An energy self-sufficient future

Global technology and services provider Robert Bosch GmbH is testing a new type of highly efficient fuel cell system that generates low-emission energy and is independent of the power grid. flow reports on how a usage-based financing solution helped drive this project forward

An energy self-sufficient future More

flow case studies, Trade finance and lending, Sustainable finance

How treasury and procurement join forces at Knorr-Bremse How treasury and procurement join forces at Knorr-Bremse

The Covid-19 pandemic has underlined the need for a company’s treasury and procurement teams to combine their strengths. Kai Gloystein and Christoph Müller-Stahl tell flow why this has been common sense at Knorr-Bremse for years and how the crisis has impacted their work

How treasury and procurement join forces at Knorr-Bremse More

NIPPON LIFE INDIA ASSET MANAGEMENT {icon-book}

Planning for the people Planning for the people

The Indian government has pledged to make the country a US$5trn economy by 2024. Janet Du Chenne talks to Sundeep Sikka about Nippon Life India Asset Management’s plans to capitalise on the growth story by offering long-term savings plans and leveraging education and new technologies

Planning for the people More

MERCK {icon-book}

A healthy approach A healthy approach

German science and technology giant Merck has been developing healthcare solutions for 350 years, and remains at the leading edge of biotechnology. Graham Buck finds out how the spirit of innovation underpins its corporate treasury team

A healthy approach More