In this customer panel, Gherri D’Innocenzo (Siemens), Renato Barbone (Bayer), and Jörg Bermüller (Merck) will share firsthand insights into the evolution of their treasury functions using concrete use cases. The spectrum ranges from API-based payment initiation and trigger payments to in-house banking models with virtual accounts, all the way to global liquidity management in complex currency areas such as JPY and INR. The panel demonstrates how technological innovation and organizational change are jointly paving the way for real-time treasury.