Managing Risk and Supporting Growth in the E-commerce Era

Treasury and Trade Solutions 8 By creating a playbook collaboratively with the business, treasury can help e-commerce teams to build the right financial structures that will facilitate long-term growth. Treasury considerations for a direct-to-consumer model Below are five areas to consider when deploying a D2C e-commerce model to ensure appropriate payment and financial structures are put in place. Developing an e-commerce playbook for treasury Governance model and expertise • Engagement framework with the business and cross-functional stakeholders • Digital lead within treasury to drive dialogue with the business • Building payments expertise within treasury New financial partnerships • Establishing guidelines with the business on payment provider partnerships for e-commerce • Using treasury’s banking relationships for optimal bank account structures to support e-commerce flows Payments strategy • Considerations in accepting consumer payments and establishing treasury guidelines • Addressing friction points in payments and financial processes of e-commerce businesses • Assessing implications of market and regulatory changes Cross-border sales and FX impact • Online pricing strategy • FX hedging strategies for settlements from payment providers Cash management framework • Assessing downstream impact of e-commerce models on cash management and Shared Service Centre structures, in areas such as: –– handling new collection processes at scale –– payment reconciliation and data insights to business units –– consumer refunds handling 1 2 3 4 5