Bridging digital innovation and branch banking for smarter cash management

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Philstar.com

February 3, 2026 | 10:00am

MANILA, Philippines — As businesses navigate an increasingly digital economy, efficient cash flow management has emerged as a critical priority. Whether for growing enterprises or established corporations, systems that enable faster, safer and more seamless fund movement now play a key role in driving operational stability and expansion.

Responding to this need, BDO Unibank Inc. strengthens its cash management offering by integrating digital solutions with its nationwide branch network—creating a seamless, end-to-end ecosystem designed to support businesses across industries and at every stage of growth.

Supporting enterprises of all sizes

Through its Cash Management Services (CMS), BDO helps enterprises streamline collections, payments and liquidity management, enabling businesses to focus more on growth and less on operational complexity.

Micro and small enterprises can access essential tools such as Business Online Banking, automated payroll services, and simplified disbursement solutions.

As businesses scale, more advanced options—including Corporate Cash Deposit Machines and Corporate Check Scanners—allow companies to gain real-time access to working capital without the need to visit a branch.

For large corporations, BDO offers centralized liquidity management and seamless integration with internal systems through Enterprise Resource Planning (ERP) platforms.

Using secure digital channels such as Application Programming Interface (API) and Secure File Transfer Protocol (SFTP), companies can automate data exchange and monitor transactions in real time—supporting more efficient and scalable operations.

“We always start by understanding where our clients are,” Carlo Nazareno, BDO senior vice president and head of the Transaction Banking Group – Cash Management Services, said.

“We don’t force-fit technology. We listen and propose solutions that make cash management easier and more efficient,” added.

Keeping pace with the digital shift

As more businesses adopt digital-first operations, BDO continues to invest in technology—enhancing both front-end platforms and back-end systems capable of securely processing high volumes of payments and financial data.

Its API-powered solutions support real-time fund movement, instant crediting, and up-to-date reporting, capabilities that are especially critical for industries that depend on speed and accuracy.

In retail, for example, real-time crediting and reconciliation help ensure smoother collections and more efficient inventory management. Enhanced data capabilities also reduce manual intervention, resulting in faster and more seamless transaction processing.

“That’s the kind of reliability and precision businesses need,” Nazareno said. “When payments move fast, operations move faster—and that’s where we make a real difference.”

Blending digital and physical touchpoints

Even as it accelerates digital innovation, BDO continues to leverage its extensive branch network as a key component of its integrated approach.

Many traditional branch services—such as bulk deposits, fund transfers and check disbursements—are now digitized or offered through assisted-digital channels, reducing manual processes and improving turnaround times.

For clients who still prefer or require in-person engagement, branches remain available, supported by relationship managers who provide advisory services on cash flow optimization and digital adoption.

“This is where BDO’s strength really lies,” Nazareno said.

“We don’t just offer technology; we provide a complete ecosystem of support. Whether clients go fully digital or maintain a hybrid setup, we make sure the experience remains seamless and secure," he concluded. 

For more information, visit www.bdo.com.ph.


Editor’s Note: This press release is sponsored by BDO. It is published by the Advertising Content Team that is independent from our Editorial Newsroom.


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