The Fintech Index
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Corporate Treasury Cash Visibility and Liquidity Statistics: 2026 Report

Published: November 12, 2026Benjamin MargolisBy Benjamin Margolis, Founder and Managing Editor, The Fintech Index

Our analysts reviewed four 2025 and 2026 surveys of CFOs, treasurers, and finance leaders on cash visibility, treasury priorities, and short-term investments, together with the treasury products in our reviews of 173 rated companies, as of Q4 2026. We charted real-time cash visibility gaps, the top treasury priorities for 2026, and how organizations rank safety, liquidity, and yield for short-term cash.

Cash visibility is how quickly and completely a company can see the balances in every bank account and entity it owns, which drives how well it can forecast, invest, and pay.

Key Findings

  • 59% of CFOs at organizations with $500M or more in revenue lack a complete real-time view of cash and liquidity, and only 35% have fully connected finance and treasury data.
  • Only 8% of treasury teams receive real-time cash positioning, while 32% want it, and only 19% of US finance leaders can move cash in real time around the clock.
  • 63% of treasury practitioners rank cash management and forecasting among their top five priorities in 2026, and 49% call cash or liquidity forecasting their hardest task.
  • 61% of organizations rank safety as the top objective for short-term cash for a second year, and bank deposits fell to 42% of short-term investments, the lowest share since 2011.

59% of CFOs Lack a Complete Real-Time View of Cash, and Only 8% of Treasury Teams Get Real-Time Positions

Large companies want to see and move cash at any hour, but most still cannot. The gap is widest between what treasury teams want and what their systems deliver today.

Real-Time Cash Visibility and Connectivity
MeasureShare of respondents
Say moving cash 24/7 is important76%
Lack a complete real-time view of cash and liquidity59%
Have fully connected finance and treasury data35%
Want real-time cash positioning32%
Can move cash or settle in real time 24/719%
Receive real-time cash positioning8%
Horizontal bar chart of real-time cash measures: 76% of finance leaders say moving cash 24/7 is important, 59% of CFOs lack a complete real-time view of cash, 35% have fully connected finance and treasury data, 32% of treasury teams want real-time cash positioning, 19% can move cash in real time 24/7, and 8% receive real-time cash positioning.
Measures come from three surveys with different respondents: CFOs at organizations with $500M or more in revenue, US treasurers and finance leaders, and treasury professionals.

Key Findings

  • 24 percentage points separate the 32% of treasury teams that want real-time cash positioning from the 8% that receive it.
  • 76% of US finance leaders say moving cash outside banking hours is important, four times the 19% that can do it today.
  • 33% of CFOs remain concerned about the accuracy and reliability of their data, and 37% plan to forecast more often to manage outside risks.

63% of Treasury Teams Rank Cash Management and Forecasting as a Top Priority

The 2026 AFP Treasury Benchmarking Survey asked practitioners in May 2026 to name their organization's top five treasury priorities. Cash management and forecasting led by 15 points.

Top Treasury Priorities in 2026
PriorityShare of practitioners
Cash management and forecasting63%
Liquidity and cash planning including repatriation48%
Payments, treasury, and related technologies48%
AI and automation to streamline processes30%
Technology and analytics to improve efficiency and accuracy30%
Horizontal bar chart of top treasury priorities in 2026: cash management and forecasting 63%, liquidity and cash planning 48%, payments and treasury technology 48%, AI and automation 30%, and technology and analytics 30%.
Share of treasury practitioners naming each item among their organization’s top five priorities, surveyed in May 2026.

Key Findings

  • Cash or liquidity forecasting is the hardest treasury task for 49% of practitioners in 2026, down from 62% in 2024 after three new AI and forecast model challenges joined the list.
  • 53% of treasury teams found creating a cash forecast difficult in 2025, up from 48% in 2021 and 39% in 2018.
  • 68% of treasury teams say management expectations for forecasting rose in the past year, led by demands for greater accuracy (76%) and more review (69%).

61% of Organizations Put Safety First for Short-Term Cash, and Bank Deposits Fell to the Lowest Share Since 2011

The 2026 AFP Liquidity Survey drew 309 responses in March 2026. Priorities barely moved from 2025, but money shifted from bank deposits toward Treasury securities.

Most Important Short-Term Investment Objective
Objective20252026
Safety61%61%
Liquidity35%34%
Yield5%5%
Grouped column chart of the most important short-term investment objective: safety 61% in 2025 and 61% in 2026, liquidity 35% and 34%, and yield 5% and 5%.
Share of organizations that rank each objective as the most important for short-term cash, surveyed in March of each year.

Key Findings

  • An average of 83% of short-term investments are held in bank deposits, money market funds, and Treasury securities, and bank deposits alone fell to 42%, the lowest share since 2011.
  • 46% of organizations increased US cash holdings in the 12 months to March 2026, up from 38% a year earlier, and 75% have a written investment policy.
  • 41% expect money market funds to offer 24/7 liquidity, up from 38% in 2025, and 86% would choose real-time money market funds if their policy allowed it.

Treasury Teams Want Real-Time Cash but Mostly Run on Daily Data

Treasury leaders agree that cash visibility and forecasting matter most, yet only a small minority can see or move cash in real time. Most organizations still hold short-term cash in safe, liquid vehicles and are spreading it from bank deposits into Treasury securities. Among the 35 business banking and treasury companies we rate, Rho offers a treasury account from $50,000 with an annual fee of 0.15% to 0.60% that invests in money market funds and T-bills.

Looking ahead, 24/7 payment rails and real-time money market funds should push more banks and treasury systems to report balances continuously. Teams that connect their bank, ERP, and treasury data first will be best placed to use them.

So if you run treasury for a growing company, connect every bank account to one live cash view before adding forecasting tools, because a forecast is only as good as the balances behind it.

Data Collection and Methodology

We reviewed sources available in Q4 2026. Kyriba's 2026 CFO Survey was conducted by Censuswide among 1,400 CFOs and senior finance decision makers at organizations with $500M or more in revenue in the United States, United Kingdom, Germany, France, Japan, Spain, Italy, and Singapore. Jiko's 2026 Corporate Cash Confidence Survey collected 192 qualified responses from US corporate treasurers and finance leaders between April 13 and June 19, 2026; the 19% figure is the 18.6% who said they can move cash or settle in real time. The Strategic Treasurer and TIS 2025 Cash Forecasting and Visibility Survey drew more than 200 respondents across industries, sizes, and regions.

The 2026 AFP Treasury Benchmarking Survey was conducted in May 2026. The 2026 AFP Liquidity Survey drew 309 responses in March 2026, and the 2025 survey was published in June 2025. The surveys in the first chart cover different people and questions, so they are shown side by side for scale and are not combined. The 24-point gap is 32% minus 8%.

Our product details come from the company reviews published on The Fintech Index as of November 12, 2026.

Sources
  1. The Fintech Index analysis of rated companies, November 2026
  2. Kyriba, 2026 CFO Survey highlights
  3. Kyriba, Risk-Intelligent Performance, 2026 CFO Survey
  4. Jiko, 2026 Corporate Cash Confidence Survey Report
  5. Strategic Treasurer and TIS, 2025 Cash Forecasting and Visibility Survey Report
  6. Association for Financial Professionals, 2026 Treasury Benchmarking Survey Report, Priorities and Tasks
  7. Association for Financial Professionals, 2026 AFP Liquidity Survey Report Key Highlights, June 2026
  8. Association for Financial Professionals, AFP Survey Finds Stablecoins Remain Peripheral to Liquidity Strategies as Cash Reserves Rise, June 16, 2026
  9. Association for Financial Professionals, Survey: 61 Percent of Organizations Choose Safety as Their Top Short-Term Investment Objective, June 17, 2025
  10. Table 1: Source: Kyriba 2026 CFO Survey of 1,400 CFOs and senior finance leaders; Jiko 2026 Corporate Cash Confidence Survey of 192 US treasurers and finance leaders; Strategic Treasurer and TIS 2025 Cash Forecasting and Visibility Survey. Data: realtime_cash_visibility.csv
  11. Chart 1: Source: Kyriba 2026 CFO Survey of 1,400 CFOs and senior finance leaders; Jiko 2026 Corporate Cash Confidence Survey of 192 US treasurers and finance leaders; Strategic Treasurer and TIS 2025 Cash Forecasting and Visibility Survey.
  12. Table 2: Source: Association for Financial Professionals, 2026 AFP Treasury Benchmarking Survey Report, surveyed May 2026. Data: treasury_priorities_2026.csv
  13. Chart 2: Source: Association for Financial Professionals, 2026 AFP Treasury Benchmarking Survey Report, surveyed May 2026.
  14. Table 3: Source: Association for Financial Professionals, 2025 and 2026 AFP Liquidity Survey, underwritten by Invesco. Data: short_term_investment_objectives.csv
  15. Chart 3: Source: Association for Financial Professionals, 2025 and 2026 AFP Liquidity Survey, underwritten by Invesco.