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Wholesale Banking

Orange blog - Innovation

Blockchain, fintechs or digitalisation – innovations not only change the financial world, but also make business models more efficient and transparent.

The world is changing rapidly, and with it whole sectors and areas of business. As a bank, we want to play an active role in shaping this change and, together with our corporate customers, to continue to think about their business model. No matter what challenges your company faces, we are convinced that we can use innovative ideas and new concepts to overcome those challenges. We are always thinking one step ahead and are very aware of the areas that will help you and your business to grow. 

Our innovative solutions are developed in collaboration with fintechs and third-party providers. Because innovation is best created together.

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APIs: The Treasury becomes a strategic management partner

07 June 2024

Real-time cash flow movements and a prompt overview of liquidity and FX assets: using Application Programming Interfaces (APIs) provides entities with improved liquidity management, process control and risk control capabilities. By providing real-time data, the treasury is increasingly becoming a driving force for management. Previously, data required had to be retrieved from various, often non-integrated, systems at the reporting date. APIs can help this situation in the future.

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21 May 2024

Bank guarantee fraud and how to avoid them

Fraudsters use a fake bank guarantee to create the illusion that safety is in place. This will persuade you to make the deal thinking the risk is covered. How can companies avoid the scam?

07 May 2024

See through the illusion of deepfake

The number of CxO frauds via the means of deepfake is increasing. The sophistication of these frauds can lead to significant financial and reputational damage to your organisation, making it crucial for employees at all levels to be informed and vigilant.

15 April 2024

Digital onboarding - a different kind of KYC

Know-your-customer (KYC) audits are of great importance in the cooperation between companies and their bank. The regulatory requirements contribute to a secure financial sector. It is therefore no wonder that so much attention is paid to the KYC processs.

09 April 2024

Self-service in Banking Processes

Self-service has been standard in Retail Banking for many years. Opening accounts, changing user data, increasing a daily limit, customers usually do all this without the assistance of bank employees. Also, in wholesale banking, there are already many areas in the interaction between the treasury and the bank where the exchange of information is largely digitalised and automated.

22 September 2023

Fewer risks due to digital guarantee management

Digitising documents makes it easier to manage guarantees efficiently, while ensuring legal certainty. The advantages of centralized guarantee management are manifold.

09 August 2023

How artificial intelligence is influencing the banking of the future

No other technology is currently changing so many areas of life as artificial intelligence (AI). AI applications such as music streaming, smart home devices or voice assistants on cell phones are already an integral part of our everyday lives. But AI is not stopping at banking either: in addition to some challenges, it holds the opportunity to make banking even easier and more intuitive for (corporate) customers.

09 June 2023

Instant payments: Eastern Europe leading the way

Instant payments have been technically possible in the European Union since the EU SEPA Instant Payments (SCT Inst) standard was introduced in 2017.

24 March 2023

Digitalisation: Start with small steps rather than big leaps

Digitalisation is THE big promise of the future in companies. In times of skilled work force becoming scarcer with simultaneously growing demands, using digital solutions is a promising path. However, companies are always balancing expenditure and potential benefit.

16 December 2022

Payment transactions straightforward

With “virtual credit cards” corporates can streamline payment processes. For this reason, they are likely to become a fixed part of the payment process very soon.

10 June 2022

Multi-Currency Notional Pooling simplifies global liquidity management

Liquidity management of international companies is complex. Branches and subsidiaries often have different liquidity requirements, which may vary over time. A wide range of currencies creates additional challenges. In order to make optimum use of available liquidity and to keep funding costs low, the Treasury should be able to obtain a comprehensive picture of the company-wide liquidity situation as soon as possible.

17 December 2021

Simplifying payment processes

Since the pandemic began, companies in the B2B sector have been increasingly using virtual credit cards. This new payment method offers security and reduces administration work.

16 September 2021

AI is changing corporate banking

Banks do not yet use Artificial intelligence (AI) for lending – at least not in large-scale corporate banking. But there will be no way of avoiding the widespread implementation of AI in the future, even in wholesale banking, as wholesale clients expect increasingly rapid response times from banks with as little active effort on their part as possible.

16 June 2021

Open banking in the treasury

The introduction of application programming interfaces (APIs) as part of the PSD2 payment services directive was a game changer in the relationship between banks and fintechs on the one hand and the company treasury on the other. Their implementation means banks and fintechs are able to offer new services.

08 March 2021

Municipal interest rate and asset management in an era of digital platforms

In recent years, rising tax revenues and falling interest rates have boosted the fiscal position of many German municipalities. However, the Covid-19 pandemic threatens to reverse this positive trend. Our study "Municipal interest rate and investment management in times of digital platforms" shows the challenges facing municipalities in relation to interest rate and debt management and the role that digital brokerage platforms will play.

18 November 2019

In-car payments: when the car pays by itself

Fuel, parking and toll fees are just a few examples of goods and services that our car will be able to pay for automatically in the future. So-called in-car payments make this possible. What does this mean for the automotive industry and, above all, for consumers?

01 March 2020

Banking of things: the future of making payments

Digital payment solutions have been on the rise since the global outbreak of Covid-19. Due to social distancing and hygiene regulations, more and more people are making contactless payments in shops or ordering products online. The so-called "pay-per-use" principle goes one step further: the consumer only pays to use a product rather than buy it outright. What has been possible for a long time when it comes to car sharing is now set to apply to household appliances.

13 August 2019

The future of payments: putting customers first

The payments landscape is undergoing enormous change with new entrants, changing regulations and incredible innovation, writes Evelien Witlox, global head of Product Management, Payments & Cards at ING Wholesale Banking.

12 September 2019

Instant Payments

ING started introducing instant payments from 2019 onwards. As a pan-European bank, ING’s ambition is to offer Instant payments in all countries in which it has a local presence. Here you can find information on what instant payments are, what the advantages are, and when you can initiate or receive them.

09 October 2019

Treasury centralisation: time for the next step

Seen as the ultimate model by treasurers, centralisation is rarely as black and white as it appears. Today, digital advances are making it easier for every treasury function to reap the benefits of centralisation whilst overcoming financial, operational and psychological barriers.

22 March 2021

The ongoing digitalisation of trade finance

As trade finance evolves, it is important to focus on both short-term incremental improvements to processes and longer-term innovations such as blockchain, says Dermot Canavan, head of Trade Finance Services, Product Management at ING Wholesale Banking.