For many large enterprises, moving money remains far more complicated than it should be.
Payments, liquidity management, foreign exchange, and payouts are often handled through a patchwork of banks, bank accounts, payment providers, and internal systems. The result is fragmented data, manual reconciliation, trapped capital, slower settlement, and treasury teams spending too much time managing infrastructure instead of using capital strategically.
Adyen believes that is about to change.
The global financial technology platform has introduced Intelligent Money Movement, an offering that connects payments, liquidity management, and payouts on a single platform. Built on Adyen’s own financial technology stack and supported by its banking licences in key markets, the product is designed to give enterprises real-time visibility into their cash positions and the ability to move funds faster across accounts, currencies, and geographies.
For CFOs, the promise is not simply operational efficiency. It is a shift in how finance teams think about money movement itself: from a back-office burden to a competitive advantage.
Fintech.ca spoke with Sander Meijers of Adyen about what Intelligent Money Movement solves for, how it differs from existing market offerings, where it is seeing traction, and how it could change the role of treasury teams over time.
What is Intelligent Money Movement, and what does it solve for?
SM: Intelligent Money Movement (IMM) is an offering that connects payments, liquidity management, and payouts together on a single platform. For large enterprises that have historically had to stitch together separate providers for each of those functions, it gives them real-time visibility into their global cash positions and the ability to move funds faster, without the operational complexity that comes with fragmented financial infrastructure.
The average enterprise business works with five to six primary banks, manages over 40 separate bank accounts, and relies on 12 different pay-in and payout providers. Every one of those relationships introduces friction like siloed data, manual reconciliation, and trapped capital sitting in the wrong account waiting on a settlement cycle.
Intelligent Money Movement solves one of today’s CFOs largest pain points: treasury of moving money across accounts and geographies. Our joint research with BCG found that CFOs 23 per cent of CFOs time goes to managing pay-ins and payouts, 10 per cent is spent managing partners and bank relationships and 17 per cent is devoted to liquidity management. Intelligent Money Movement is designed to give that time back and turn financial infrastructure into a competitive advantage rather than a cost centre.
What does it enable that wasn’t possible before? How does IMM differ from what’s already on the market?
SM: The product creates the ability to act on real-time visibility immediately. Funds coming in through payments can be routed, held, converted, or paid out through the same infrastructure without moving money across disconnected systems or waiting on manual reconciliation.
Practically, that means businesses can settle funds faster, trigger payouts directly against incoming transactions, and convert currencies at the right moment rather than being locked into batch processes. Finance teams get a live picture of their cash positions rather than reconstructing it after the fact. What makes this possible is that Adyen built its entire financial technology stack on a single platform from the ground up, not through acquisitions or third-party integrations. On top of that, Adyen holds its own banking licenses across the U.S., the U.K., and Europe, which gives us direct connections to payment rails and card schemes, cutting out intermediaries and reducing settlement times.
Since launching, we’ve seen this play out with customers like Expedia and Vinted. For Expedia, which manages the full financial lifecycle from a traveller’s initial booking through to a host payout, coordinating that on a single platform has been operationally significant. For a marketplace like Vinted, moving acquired funds in real time for payouts has proven a direct competitive advantage, simplifying their operations and giving them the infrastructure to scale.
Which businesses and industries are you seeing the strongest fit with?
SM: The businesses that benefit most are managing both sides of the transaction — collecting from customers and distributing to suppliers, sellers, hosts, or partners — often across multiple currencies and geographies. Online travel agencies, retail marketplaces, insurance platforms, and mobility and delivery companies are good examples of industries we’re already seeing benefit from Intelligent Money Movement.
In Canada specifically, we have a strong travel and hospitality sector, a growing marketplace economy, and increasingly global retail and mobility platforms dealing with exactly that kind of cross-border complexity.
How do you see this changing the role of CFOs and treasury teams over time?
SM: The shift we’re most excited about is finance teams moving from administrators of cash to active decision-makers who use capital as a lever for growth. Right now, too much treasury time goes to operational overhead including reconciling accounts, managing banking relationships, and waiting on settlement.
In the time Intelligent Money Movement has been live, we’ve already seen CFOs begin to make that shift, gaining real-time visibility and control that lets them respond to market changes faster, optimize liquidity across geographies, and treat financial infrastructure as a competitive asset rather than a cost centre. The CFOs who move to consolidate their financial infrastructure now will be better positioned to respond to whatever comes next, whether that’s a new market opportunity or a disruption they didn’t see coming.
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