Payments & Cash Management

As your long-term business partner, we offer global and local payments and collections, liquidity management and short-term financing solutions, respecting the highest security levels and sustainability.  Our flexible cash management solutions are easily adapted to both centralised and decentralised organisations and your geographical footprint. Security, reliability and operational efficiency are pivotal cornerstones to serve your business every day. We constantly develop new innovative solutions to meet your needs and be in the forefront of technology and trends.     

Efficient and secure global and local payments and collections

We process your global & local payments and collections through efficient connectivity solutions, based on latest technology and highest security standards.

Manage and optimise your liquidity

​Our account and liquidity management solutions are easily adapted to the geographical scope and maturity of your organisation.
We provide you with visibility and control of your liquidity to manage risks and optimise your investment decisions.
Based on our expertise and close understanding of your business targets, we help you to find the most adapted solutions to meet your ambitions.  

Achieve your positive impact goals​

We have embedded ESG in its short-term liquidity and financing solutions to support you in your sustainable development strategy and ambition.
We propose green and/or social working capital facilities throughout Asia and Western Europe to fund dedicated projects having a positive environmental impact.
We also offer local green term deposit in Mainland China and Hong Kong for which the liabilities are dedicated to a pool of Green Loan Assets.
The eligibility criteria are based on Societe Generale’s own standards, described in its Sustainable GTB Framework, established in the spirit of best market practices (“technical screening criteria” of the EU taxonomy, Green/Social Loan Principles and Green/Social Bond Principles) and reviewed by ISS-Corporate to ensure a robust approach.

Cash concentration services

Our automated cash pooling solutions enable you to efficiently monitor your group’s overall position to improve your liquidity management and facilitate investment decisions.

 

At a time where treasurers face new challenges linked to evolving technologies, increased complexity and new frontiers, our teams are committed to bringing expertise, insight as well as innovative and reliable solutions to support your ambitions worldwide.

Get in touch with our experts

Philippe Penichou
Philippe PenichouGlobal Head of Sales - Wholesale Payments & Cash Management
Philippe Penichou
Philippe Penichou
Global Head of Sales - Wholesale Payments & Cash Management

More information about the profile and career of Philippe Penichou at Societe Generale

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Latest Transaction Banking News

22
Oct
2024
Cross-border payments: supporting the treasurers' juggling act
Treasurers know what they want for their cross-border payments: seamless interoperability and liquidity management....
Expert views
Treasurers know what they want for their cross-border payments: seamless interoperability and liquidity management. This, however, is becoming harder to achieve amid geopolitical uncertainty and proliferating sanctions and compliance obligations. Add to that real-time operations, ISO 20022 standardisation and instant cross-border payments, it is easy to see...
Cross-border payments: supporting the treasurers' juggling act
22
Oct
2024
AI: An Opportunity for Treasurers in Search of Performance
Macro-economic environment and higher interest rates have stressed the importance of liquidity and how to precisely...
Expert views
Macro-economic environment and higher interest rates have stressed the importance of liquidity and how to precisely forecast cash requirements for corporates with the ambition to maximise return. As a consequence, artificial intelligence will certainly play a pivotal role in the monitoring of liquidity, working capital needs and investment by taking advantage...
AI: An Opportunity for Treasurers in Search of Performance
14
Oct
2024
What are the challenges to meet the G20’s goals on cross-border payments?
In 2020, the G20 countries defined goals to improve cross-border payments by 2027. Four years after that first step, the...
Expert views
In 2020, the G20 countries defined goals to improve cross-border payments by 2027. Four years after that first step, the priorities have now been clearly established… as have the hurdles that need to be overcome.
What are the challenges to meet the G20’s goals on cross-border payments?
03
Oct
2024
Data: the new Eldorado of international payments?
Banking institutions have huge quantities of data in their hands, and it is in their interest to use this data to...
Expert views
Banking institutions have huge quantities of data in their hands, and it is in their interest to use this data to improve their efficiency and quality of service – provided they preserve another of their assets: trust. The cross-border payments sector, for which the implementation of the ISO 20022 standard will facilitate the structuring and exchanging of...
Data: the new Eldorado of international payments?
24
Sep
2024
Swapping Vanilla for Green: ESG’s Expanding Role in Trade Finance
Sustainable finance has formed strong roots in the loan and bond markets, but where does it stand in the world of trade?...
23
Sep
2024
How Soon is Now? What Instant Payment Really Means
Service immediacy has become a priority for many today, and this includes payments. However, not all markets have moved...
Expert views
Service immediacy has become a priority for many today, and this includes payments. However, not all markets have moved at the same pace to deliver on this aspect. Does it matter? Our experts Stephanie Ekindjian Delliste, Global Head of Payments and Cash Management Solutions, and Philippe Penichou, Global Head of Sales, Wholesale Payments and Cash Management,...
How Soon is Now? What Instant Payment Really Means