CompaniesFinancial ServicesNAB: Future of treasury special reportPrint articleNov 17, 2025 – 9.52pmSaveLog inorSubscribeto save articleShareCopy linkCopiedEmailLinkedInTwitterFacebookCopy linkCopiedShare via...Gift this articleSubscribe to gift this articleGift 5 articles to anyone you choose each month when you subscribe.Subscribe nowAlready a subscriber?LoginThe convergence of next generation technologies and today’s real-time payments infrastructure is accelerating modern treasury’s shift to become a powerhouse of data-driven predictive insights, a senior NAB cash management expert says.Brett Healy is NAB’s head of liquidity management and advisory and says legacy systems and manual processing are no longer fit for purpose in a dynamic environment where treasurers must optimise cash efficiency, strengthen the balance sheet, and generate forecasts to inform strategy at the highest levels.AI-driven treasury tools are reshaping how finance teams forecast, plan and manage liquidity in real timeiStock“We’re now seeing progressive organisations move beyond traditional spreadsheets towards real-time, data-driven decisioning using the tools available today,” Healy says.“Machine learning is providing the intelligence layer, with sophisticated algorithms enhancing short and longer-term forecasting accuracy, which is crucial to making effective decisions across areas like funding, investment and FX.“We’ve seen clients improve their forecasting accuracy here by up to 50 per cent as the models refine, which provides a clear advantage simply not possible using slow, unreliable legacy systems.”AdvertisementDynamic insightsHealy says at NAB this transformation is being achieved through the NAB Liquidity+ cash management platform, which directly addresses inefficiencies arising from manual aggregation of data scattered across multiple systems, banks, and borders.NAB’s Liquidity+ integrates three layers: an aggregation layer leveraging APIs (application programming interfaces) and enriched payment data, machine learning models for intelligence, and now a generative AI interface.It is this latest gen-AI technology, Healy says, that lets users “have a conversation with their data” and transforms a static scenario-modelling playbook into a dynamic, interactive experience.Brett Healy is NAB’s head of liquidity management and advisory.“Instead of manually building reports or queries, a treasurer can interact through natural language,” he says. “The platform interprets the intent, creates the appropriate query, and returns the visualised result in seconds.”Looking ahead, he expects the technology to evolve from a forecasting assistant into a true treasury co-pilot. “Eventually you’ll be able to ask, ‘What does my liquidity look like for the next six weeks?’ and get not just insights but recommended funding solutions.”Risk controlsHealy adds the NAB approach is one that emphasises security and control. The large language model never directly interacts with client data but instead converts the user’s prompt into a structured query that runs over a closed database.“That separation gives corporates enormous comfort,” Healy says. “There’s no data-sharing and no risk of the model generating information it shouldn’t. The model just translates intent into a query and returns a factual response.”But even as AI becomes central to treasury, Healy acknowledges there are barriers to mainstream adoption, with governance and policy remaining hurdles.“Many corporates don’t have defined policy for leveraging generative AI across sensitive data,” he says. “Part of what we’re doing is helping support readiness – having governance in place, auditing outputs, and validating that anything generated is clearly referenced and owned internally.”For NAB, this process aligns with its regulatory obligations around data privacy and security. The bank’s design principle, Healy says, is to prevent “poor decisioning out of the use of AI” by ensuring transparency in how models operate and how results are derived.Real-world resultsHe says wherever corporates are on their transformation journey, Liquidity+ provides a clear first step on the path to a data-driven future.While treasuries face different challenges depending on organisational structure and industry, customers who are early adopters report a significant uplift in their liquidity management through both productivity and decision quality, Healy says.“Customers are all looking for predictive analytics to help address potential gaps in longer-term planning. They need visibility on liquidity to move ahead effectively and NAB Liquidity+ lets them do that quickly and easily through the automation of cash reporting and real-time forecasting.“What once required, say, four hours of manual processing across multiple systems is now being completed in minutes. This fundamentally changes the operating model, unlocking significant headcount to focus on high-value strategic analysis.“Our customers are finding the predictive power of Liquidity+ a game changer for managing working capital, where forecast accuracy is paramount. This innovation turns treasury into a truly dynamic partner, helping take business to the next level.”For more on NAB’s cash management and payments innovation, please visitTransaction banking | Corporate and Institutional solutions - NAB.SponsoredbyNABThis content has been funded by an advertiser and written by the Nine commercial editorial team.SaveLog inorSubscribeto save articleShareCopy linkCopiedEmailLinkedInTwitterFacebookCopy linkCopiedShare via...Gift this articleSubscribe to gift this articleGift 5 articles to anyone you choose each month when you subscribe.Subscribe nowAlready a subscriber?LoginLicense articleFollow the topics, people and companies that matter to you.Find out moreRead MoreNAB: Future of treasury special reportFetching latest articlesWe met a professional shoplifter to understand this crime’s popularityGreg Bearup and Carrie LaFrenzShaken, stirred and a little smoky: three cocktails to define summerThis restaurant is stuck in the past. 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