Transaction Limits Management (TLM): The MRI for Corporate Payments – Precision, Clarity and Confidence

Imagine a day in the life of a corporate banker. It’s 9 AM, and payment instructions are pouring in—hundreds of transactions worth billions of dollars. Among them, a high-value payment request from a Fortune 500 client hits a roadblock: insufficient funds in one account.

The banker faces a dilemma. Should they:

1. Reject the payment and risk damaging the client relationship?
2. Approve it with a temporary overdraft, exposing the bank to risk?
3. Hold the payment, hoping the funds arrive soon?

Each option carries costs—reputational damage, operational overhead, or regulatory penalties. It’s a moment of uncertainty that repeats thousands of times a day across banks worldwide.

This isn’t an isolated event. It happens daily, across thousands of banks, costing millions in operational expenses, client churn, and reputational damage.

What banks need is clarity. What they need is precision. What they need is Transaction Limits Management (TLM).

The cost of uncertainty in payments is staggering:

• Each referred transaction costs banks over $12 to reprocess
• Failed payments drive 2% customer churn, translating to millions in lost revenue
• Overdraft mismanagement increases Basel III provisioning costs, reducing overall profitability