BanTech Think Tank

Nov 27, 2025 · Industry Insights

Fine-Grained Management of Treasury Payments: Challenges and Practical Solutions

The article analyzes the increasing complexity and cost of commercial banks’ agency treasury payment systems, identifies three core challenges—demand‑standardization conflict, high R&D expenses, and multi‑dimensional compliance—and proposes a three‑dimensional fine‑grained management framework with demand mapping, component reuse, low‑code, and proactive monitoring to improve precision and efficiency.