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RETAIL & FMCG

Treasury agility for fast-moving consumer businesses

High-volume payment processing, daily cash position monitoring, and intelligent cash forecasting for seasonal businesses.

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Daily Sales Reconciliation
Daily Cash
$3.2M
Transactions
12,480
Match Rate
99.4%
POS Collections$1.84M
E-commerce$920K
Wholesale Receivables$440K
Exceptions18
INDUSTRY CHALLENGES

Challenges in retail & FMCG treasury

High-volume daily transactions

Thousands of daily transactions from POS terminals, e-commerce platforms, and wholesale channels make manual reconciliation impossible to sustain at scale.

Seasonal cash flow volatility

Peak seasons, promotions, and holiday periods create massive cash flow swings that are difficult to forecast and can strain working capital if not managed proactively.

Multi-location cash management

Cash scattered across hundreds of retail locations, distribution centres, and regional accounts creates fragmented visibility and trapped liquidity.

RECONCILIATION

Automated high-volume reconciliation

Reconcile thousands of daily transactions automatically. TreasuryOS matches POS collections, e-commerce settlements, and wholesale payments to bank statements using AI that learns your transaction patterns.

  • POS-to-bank matching
  • E-commerce reconciliation
  • Exception auto-routing
  • 99%+ match accuracy
Auto-Reconciliation Today
POS Transactions8,420 matched
E-commerce Settlements3,240 matched
Wholesale Payments802 matched
Exceptions Flagged18 pending
Match Rate
99.4%
Time Saved
6 hrs
FORECASTING

AI-powered seasonal cash forecasting

Predict cash flows with precision, even through seasonal peaks and promotional periods. Our AI analyses historical patterns, seasonal trends, and external signals to deliver forecasts your CFO can trust.

  • Seasonal pattern detection
  • Promotion impact modelling
  • 13-week rolling forecasts
  • Scenario planning
Cash Forecast 13-Week
SEASONAL PATTERN
W1 Peak W13
Forecast Accuracy
95%
Peak Week Cash
$8.4M
CASH POOLING

Multi-location cash pooling

Consolidate cash from every retail location, distribution centre, and regional office into a centralised pool. Reduce idle cash across the network and ensure every location has the liquidity it needs.

  • Location-level balances
  • Automated sweeping
  • Regional cash pooling
  • Cash-in-transit tracking
Location Cash Pool 148 Locations
West Region (42 stores)$1.24M
East Region (38 stores)$980K
North Region (35 stores)$860K
South Region (33 stores)$740K
Pooled Balance
$3.82M

Products for retail & FMCG

Purpose-built modules for high-volume, fast-moving consumer businesses.

AI Reconciliation

Automated high-volume matching for POS, e-commerce, and wholesale transactions.

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Cash Forecasting

AI-powered seasonal forecasts that account for promotions, holidays, and trends.

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Cash Management

Real-time cash positions across every location, region, and distribution centre.

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Payment Factory

Centralised supplier payments with automated approval workflows.

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10,000+
Daily transactions reconciled
95%
Forecast accuracy
2x
Faster month-end close

Ready to accelerate your retail treasury?

Join retail and FMCG leaders using TreasuryOS to automate reconciliation and forecast cash with precision.