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Treasury and Payments

How Corporate Treasurers Can Embrace the ‘Digitization Journey’

J.P. Morgan’s Sairam Rangachari and Karen Webster, CEO of PYMNTS.com, discuss the corporate treasurer’s roadmap to digitization and the role of APIs. This is the third in a podcast series on the “Digital Transformation of Treasury.” This podcast was originally published on PYMNTS.com.

View Transcript (updates content above)


  • When mapped out across two axes, businesses can be categorized by their level of maturity on one axis and their complexity on the other. Within that framework, it becomes clear that digitization is not a one-size-fits-all process.
  • Reconciliation and visibility into data typically are the first milestones corporate treasurers look to achieve on their digital transformation journey. From there, digital solutions should fit the specific needs of each business, and priorities should be determined based on what will have the most impact.
  • APIs and opening banking are two digital solutions at the forefront of every corporate treasury department’s journey, because they can seamlessly integrate into existing treasury management systems, provide a powerful user experience and are resilient during volatile times.
  • J.P. Morgan offers a multitude of plug-and-play solutions—powered by API connectivity—that help customers achieve their specific digitization goals across a range of treasury systems, which may be the customer’s own platform or a bank-owned platform.
  • The J.P. Morgan Treasury Ignition plugin, for example, uses API connectivity to seamlessly integrate payment and banking functionalities directly into Netsuite. Clients can download and install a simple plug-in rather than building a solution with their own resources and technology.
  • Because digital transformation is a journey—not a destination—J.P. Morgan can help businesses identify important milestones and the API solutions that will best help them meet their goals.


Sairam Rangachari


Sairam leads the creation and execution of J.P. Morgan’s Digital Channels and Open Banking strategy to redefine the banking experience for the corporate and institutional customers. He is a dynamic technology and product executive who is strongly rooted in innovation and a growth culture. He started his career with OptionsXpress, a fintech and as its CTO, helped grow the company from start up to its successful IPO and eventual acquisition. Sairam has led digital transformations for both venture backed companies as well as large corporations over the course of his career including running digital engineering at Capital One.

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