In today's fiercely competitive environment, companies are boosting efficiency and cutting costs by outsourcing their non-core activities to specialists. Our Cash Management service is specifically designed to relieve you of the routine business of receivables and payments, leaving you free to focus on building your business.

Cash Management manages all your receivables and payments - whether by cheque or wire, domestic or foreign. But it does a lot more than that. It is a highly effective tool designed to boost efficiency by automating payments and collections, thereby:

• Reducing operating costs
• Improving working capital flows and reducing borrowing costs
• Creating capacity and promoting internal efficiencies
• Guaranteeing standardized service turnarounds
• Improving management of domestic and international money movements
• Tightening security and reducing the possibility of fraud
• Making reconciliation quick and easy

We deliver a complete suite of cash management solutions tailored to meet your needs. It includes:

Cash Management Solutions Suites

e-AmBiz	e-AmPayDay
Online and real-time Bank Statements Online view of transaction history Online payment and receivables reports Available 24/7	Internet based payroll portal for payments of salary      and statutory deductions and reporting Available 24/7
Make payments via Internal Funds Transfer, RENTAS,      GIRO and International Telegraphic Transfer Same day payments processing* File uploads for bulk payments Payment templates for recurring payments	Gross Payroll with calculation for statutory deductions      (LHDN, EPF, SOCSO and ZAKAT) Net Payroll Salary crediting via Internal Funds Transfer, GIRO and       RENTAS Statutory report submission
Two Factor authentication Role based user permissions Customizable Security Matrix	Two Factor Authentication Role based user permissions

Payment Solutions (ProPay)	Liquidity Management (ProLiquidity)
Structured payments solution Bulk payment solutions for vendor and supplier       payments, dividends, eDividends, payroll Uses positive pay for added security Bulk upload feature Online transaction reports	Automated Funds Concentration Sweeping and Funding Interest re-allocation End of day transfers Intra-day transfers Online reports

Collection Solutions (ProCollect)	Electronic Invoice Presentment and Payment (EIPP)
Multiple collection channels available Capture of pertinent information Account Receivables Reconciliation Post Dated Cheque Warehousing	Online bill and invoice presentment Online payments Immediate payment with immediate updates to       AR for reconciliation Fully automated business-to-business customer       billing and payment process

 * Cut-off times apply.