But the best may be coming soon: optimization and execution models that will show a TreasuryVision user all the options permitted by company policy for using excess cash and the economic value of each alternative. A prototype is currently being tested today with one client, reveals Paul Galant, managing director and global head of cash management. "They might see that they have a 98% probability that $35 million will be available for 28 days and what the best use of that cash would be," Galant explains. "It gives them a real dashboard and business intelligence that informs choices and lets them execute with the click of a mouse.

"TreasuryVision is a customer-centric solution, which is becoming our hallmark," Galant boasts. "It doesn't look like a bank-built product. It looks like something a top-notch treasury team would have built for its own use."

His clients agree. "With TreasuryVision, we are able to maximize the value of our cash, achieve more competitive bank service fees and negotiate better service-level agreements," reports Lionel Nowell, senior vice president and treasurer at PepsiCo. "Our partnership with Citibank to develop [this] tool is the result of strategy driving technology, rather than the other way around." And Galant promises a lot more of that unconventional banking to come.