The Crystal Ball

The Crystal Ball

Just imagine if you could look into a crystal ball and see the future. The power of this knowledge could help guide you to make better decisions, avoid the potholes, and allow you to make money that otherwise would go unnoticed.

Just imagine the ability you’d have to alter the future and its outcome.

Just imagine the edge that knowledge would give youespecially if you had the ability to alter the outcome well in advance.

Just imagine if during each calendar quarter you could assess your previous predictions and use that information to chart the course of the next quarter with 95% accuracy.

Just imagine what all of this could mean for you, your office, and those you serve. 

For most of us, this would only be wishful thinking or pure science fiction. 

At three+one® all this is now a reality! 

With the development of our new technology and the rollout of our cashvest® MC forecast model, the ability to predict the future is now possible. The letters “MC represent the initials of our data analyst, Manel Chaibthe designer and developer of the proprietary cashvest® forwardliquidityforecast model.

The MC forecast model will take 24month-longhistorical look at each financial transaction and determine the future patterns 120 days into the future with 95% accuracy or better. In one case, the MC model was within $163.00 of daily liquidity on a budget of over $360 million looking out 120 days. 

Just imagine, knowing the future of your liquidity down to a few dozen dollars in advance—120 days to be exact. 

The power of such knowledge will allow you to determine:

• The time horizon on future cash for investment.

• The need (or lack of need) in borrowing money for upcoming cashflow/liquidity needs.

• The ability to determine budget surpluses or gaps down to the dollars and at what point of time. 

• The leverage in advising your bank(s) on the value of your cash deposits and if there is an upcoming cash needwith no unexpected surprises.

• No need to hold on to uninvested cash for “justincase” circumstances.

• The power of your forecasting your entities liquidity (quantitative & qualitatively) for rating agencies.

This is exciting news and yes, it’s possibleThe technology to look into the future exists right here at three+one.

Let our proprietary cashvest® MC forecast model become your crystal ball. The power of looking forward will provide great sources of comfort and revenue that can truly alter the future of your entity.

Are You Prepared for the Banking Revolution?

Are You Prepared for the Banking Revolution?

Residents of Rochester, NY, like me, remember all too well when Eastman Kodak discovered the new world of digitized photos, which was revolutionary compared to actual film. As both forms of photography were compared, Kodak management decided to stay with the use of film as their standard product given stronger profit margins over digital. We all know where that led. The companies that developed and brought digital to market—in ways we never thought possible—flourished, especially when quality digital cameras were added to smart phones.

Similarly, the landscape of banking is changing at a rapid pace—and in ways that we would have never imagined.

Let me be clear, the way we bank in the future will not be the same as we know it today. The type of banking institutions will change as did the companies in the world of digital photography.

Apple CardFor starters, who would have imagined a few years ago that tech giants Apple, Google, and Facebook would enter the world of banking? Who would have foreseen the revolution of blockchain technology? Changes like these could mean a shift away from brick-and-mortar bank branches. Many traditional banking services andinstitutions could very well change beyond our imagination.

I fully expect the largest banking institutions will play a major role in this revolution. However, they will have to be strategic, forward thinking, and open to change. A perfect example is Goldman Sachs’ role in managing Apple’s new credit card. Personally, I questioned why an institutional-oriented bank would have agreed to roll out, qualify, and manage retail clients; it just seemed to be a mismatch, which has proven to be the case.

On the other hand, combining the forces of Google and Citibank does make sense to me, given their similar retail focus. Working together, they anticipate offering checking accounts to Google clients next year.

Names that are now appearing in the financial marketplace are not the ones we’re used to seeing as related to banking services. Similarly, a dozen years ago, who would have ever guessed Apple would make the number one device used in taking pictures?

It should be noted that more and more millennials, who make up over 84 million of the US population, would prefer to bank with Amazon, Apple, Facebook and Google over a traditional financial institution, if such an option was available. This in stark contract to the way baby boomers and Generation Xs conduct their personal banking today.

The way we bank is going to become far different than we know it—and at a cheaper cost. How the Fed and bank regulators deal with these changes is going to be interesting to watch.

At three+one®, we’re poised to help you navigate through the anticipated changes in banking. Our liquidity and treasury analysis programs, coupled with rfpPrep®, can help you become aware of how changes will affect you and your organization. This will be reflected in both the institutions you deal with, and how your taxpayers/students will transact with you.

While the world of banking will likely change significantly, the team at three+one® will be consistent, always committed to proactive and forward-thinking technology, liquidity analysis and customer service.

New rfpPrep Site Launch!

New rfpPrep Site Launch!

We are excited to share with you the launch of our new rfpPrep® website!

 

rfpPrep® is the first-ever digital RFP (request for proposal) for public sector & higher-ed financial services.

Reduce the RFP process time by 75% while evaluating financial services options for your entity using an error-free & fair bidding platform. rfpPrep® is an entirely online tool for your needs in BANKING, INVESTMENT, MERCHANT SERVICES & E-PAYMENTS.

Visit rfpPrep® by three+one® to learn how this tool can work for you.

 

There’s No One Way

There’s No One Way

There’s no one way to manage cash. Different banks, investment advisors, and financial advisors have their own approaches and perspectives in the management of short-term cash.

However, there is one essential in managing short-term cash: to manage all cash as a revenue-generating asset. You must keep in mind that cash is not linear, but rather multi-dimensional, with different purposes, both in time and value.

Cash Management

Cash is multi-dimensional, with different purposes, both in time and value.

The ability to capture the ebbs and flows of all cash is in the data. Cash patterns are similar to human behaviors since humans are the ones who are conducting the timing of transactions. The genuine need for cash is often far different than when you thinkyou need it. The patterns detected through the data will show actual needs vs. assumed ones.

The cashvest® platform by three+one® is the first of its kind in the public and higher Ed marketplace. It looks at every individual banking transaction, thus detecting the flows of cash through an entity’s financial systems, and then matches it as the cash flows through your bank’s systems. It’s through cashvest® that patterns surface, enabling unparalleled liquidity management. This level of data puts the power of managing your cash in your hands and the financial institutions that manage your cash.

The strength of liquidity analysis and data leads to a greater precision of knowing when you need cash and how to best maximize its value in the marketplace.

Yes, there are different methods to managing cash. But now there is one definitive way to identify all of your cash’s investment potential. That is cashvest® by three+one®.