Future-ready finance: SAP and J.P. Morgan unite to transform treasury visibility

Saturday, 01 November 2025

    Current

    Optimising cash flow and managing risk are essential for business growth and continuity. J.P. Morgan Payments and SAP are accelerating financial transformation.


    Presented by SAP

    In a world defined by geopolitical flux, economic volatility and trade fragmentation, corporate treasuries can no longer afford delay. The problem is structural and across industries, corporate treasuries face the same fundamental challenge: fragmented systems that make it difficult to see, move and optimise cash in real time. Disconnected banking and ERP platforms create blind spots in liquidity, slow reconciliation and increase operational risk, just as finance leaders are being asked to make faster, data-led decisions amid economic uncertainty and technological disruption.

    To close this gap, J.P. Morgan Payments and SAP have joined forces to give businesses a unified view of their financial position, embedding advance banking services and analytics directly into SAP’s ERP environment to deliver real-time visibility, control and performance. Key questions are:

    • How to make payments, reconciliation and cash visibility fully integrated between banks and ERP?
    • How to adopt real-time banking (eg real-time balances) without launching a new IT project every time a banking service is added?
    • How to unlock combined value of invoice/payment data in the ERP alongside bank cash/financial data?

    J.P. Morgan Payments and SAP are in strategic partnership to help treasuries overcome legacy challenges and leverage emerging technologies to assist businesses to become future-ready. “Treasury is evolving from a transactional function to a strategic, value-driving role,” says Sam Yen, Global Head of Enterprise Application Solutions at J.P. Morgan Payments. “This transformation is accelerated by market realities — geopolitical shifts, supply chain disruptions and rapid technology innovation.”

    Feedback on the collaboration is positive — this from a telco in Malaysia: “It’s refreshing to see our bank and our technology provider in the same session, focused on our needs rather than just presenting a product.”

    Coverage and cloud

    Of the 100 largest companies in the world, 98 are SAP customers. J.P. Morgan Payments processes more than US$10 trillion in payments daily.

    “Most of our largest customers at J.P. Morgan Payments also run SAP, making this a strategic collaboration,” says Yen. “We’ve shared so many customers for so long, there are many products or solutions that help our joint customers find benefits to enhance performance and productivity.”

    “SAP provides one of the world’s most comprehensive ERP/treasury management platforms, but we’re not a bank and don’t aim to be,” says SAP’s Kiran Mistry, Regional Head of Financial Services, APAC. “This collaboration brings together two leaders with distinct expertise to deliver a unified experience for our customers, where the value created is far greater than the sum of its parts.”

    “Delivering the financial control and operational effectiveness to navigate change, this technology drives awareness, providing guidance and context without automating decision-making,” says Yen.

    Scale your business for the future with the J.P. Morgan Payments multiproduct solution for SAP. 

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