6 min read
Key takeaways
- Businesses face numerous obstacles that can impact global trade and transactions. Resiliency is crucial for businesses to navigate these challenges and protect themselves during times of market change
- Proper treasury tools help corporations become more flexible and adaptable to disruptions while maintaining efficiency and security in cross-border transactions
- J.P. Morgan offers treasury products and solutions that help expand market reach, optimize liquidity, and provide flexible and scalable solutions, helping businesses thrive in dynamic markets
There are many macroeconomic reasons why global trade and international transactions can be impacted by factors outside of a buyer or seller’s control. From changes within regulatory and government oversight, to the rising costs and demand of important materials, to unforeseen natural disasters that slow down delivery times, moving goods across the world faces a lot of roadblocks. For corporations, there is tremendous value in being resilient; the ability to work through these unforeseen obstacles allows businesses to protect themselves during times of market change. In a volatile risk environment, the ability to retain control increases in importance.
That has always been true, but it’s moved to the forefront of priorities for many in 2025.
Having the proper treasury tools is a big piece of the puzzle when it comes to resiliency. In this article, we will explore how global trade and cross-border transactions can make a corporation more flexible and adaptable to various disruptions, while maintaining efficiency and security.
The resiliency gap
Like a good night’s sleep, business resiliency is one of those things that everyone wants, but nobody is quite sure how it can be consistently achieved. A 2023 SAS study asked nearly 2,500 senior executives how important resiliency is to their business, and nearly all of them (97%) said it was very or somewhat important, with many saying they needed it to prepare for unforeseen events.1 But while nearly everyone agrees that resiliency is vital, a gap still exists. Less than half of those same executives (47%) consider their own business as resilient, meaning there is room for growth across industries.
So who can help? For business executives it’s often a look in the mirror to help a company become more resilient. A PwC survey found that 93% of business leaders use a member of the C-suite to sponsor their resilience programs.2 Having a CFO or COO lead by example can be an effective way to determine what skills are required by the business and the resources needed for the company to reach their goals.
Having a top-down approach to becoming resilient is also important for the far-reaching impact that change may have. Technological changes can disrupt industries and alter competitive dynamics, impacting a chief innovation or chief technology officer. Economic volatility, including recessions, inflation and currency fluctuations, affect consumer spending, investment and business profitability; those all test resiliency and touch the role of a chief financial or chief revenue officer. And global supply chain disruptions, such as natural disasters and geopolitical tensions, would directly impact the chief procurement or chief operating officer of a business.
Along with a commitment to improving its resilience through leadership buy-in, there are several treasury tools available that can support a business to ensure cross-border transaction pliability during turbulent times.
"Resiliency starts with visibility—treasury tools provide the transparency C-suite leaders need to navigate complex global markets with confidence. In a world of constant change, treasury tools are the C-suite’s compass, bridging the gap between risk and opportunity and guiding organizations through financial storms and toward long-term stability."
Amy Eckhoff
Global Co-Head, Liquidity & Account Product Solutions Specialists, J.P. Morgan
Strength through partnership
Becoming resilient doesn’t all have to fall on one company or one executive; it can be a team effort. That is where J.P. Morgan Payments can help. We apply highly adaptable levels of service to build lasting, elevated partnerships. And our products can support a corporation, allowing their money to work harder for them in uncertain times.
“Treasury products and solutions from J.P. Morgan bolster business resilience by expanding market reach, embracing cutting-edge technology, optimizing liquidity, fostering strong partnerships, and offering flexible and scalable solutions designed for dynamic markets.
Effective liquidity solutions are customized to align with our clients' operating models emphasizing the importance of both visibility, control and the velocity of liquidity, helping ensure cash is optimally positioned in the right location and currency at the right time.”
Ross Webster
Global Co-Head, Liquidity & Account Product Solutions Specialists, J.P. Morgan
Here’s how J.P. Morgan and our array of treasury products and solutions can help with five key problems that test resiliency.
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Revenue diversification
Global trade allows businesses to diversify their markets. This diversification helps mitigate risks associated with local economic downturns and political instability. Our FX/cross-currency solutions allow you to send payments in 120 currencies and receive in 40.3
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Innovation and technology adoption
The need to process cross-border payments efficiently drives corporations to adopt innovative technologies. These technologies can enhance operational efficiency and reduce costs, contributing to overall resilience. And it’s all backed by a firm that spends approximately $18 billion annually on technology to help our clients innovate, optimize and adapt.4
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Financial stability and risk mitigation
Liquidity ensures that a business can continue its day-to-day operations without disruption, even during periods of reduced revenue or increased expenses. Tools like Virtual Account Management are live globally, allowing clients to streamline their process in turbulent times.
Meanwhile liquidity acts as a safeguard against various risks, including market volatility, regulatory changes and unforeseen expenses, allowing businesses to respond effectively without compromising their financial health. -
Strengthen supplier and customer relationships
Supply Chain Finance can help businesses meet payment obligations to suppliers and offer favorable terms to customers, strengthening relationships and ensuring stability.
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Access to resources
Integrated payables and receivables are configurable depending on a businesses' needs, meaning as your business landscape evolves and resiliency improves, our adaptable solutions provide the support you need to thrive in dynamic markets and achieve long-term success.
Learn more about how working with J.P. Morgan can help a business become resilient by watching our webinar.
References
J.P. Morgan Internal Data, 2024. Please see your banker for a full list
Disclaimer
© 2025 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC. Deposits held in non-U.S. branches are not FDIC insured. Non-deposit products are not FDIC insured. The statements herein are confidential and proprietary and not intended to be legally binding. Not all products and services are available in all geographical areas. Visit jpmorgan.com/paymentsdisclosure for further disclosures and disclaimers related to this content.
