# Optimizing Treasury Management Sales and Onboarding With nCino
_Published: 2021-10-20T00:00:00.000-04:00_

Automation is essential for delivering high-quality treasury management, reducing cycle times, increasing revenue and providing value to customers.

**In today’s transaction-driven banking environment, providing an exceptional treasury management experience and service are key factors in creating value for customers.** In order to optimize treasury’s value, financial institutions (FIs) must embrace automation in their sales and onboarding processes to reduce the amount of time between when a new treasury customer says “yes” to the first time a customer receives an account analysis statement.

#### [Treasury management](https://dev.ncino.com/treasury/) is one of the most complex operations in any FI, yet most technical solutions used to manage the process are limited to single aspects of the treasury process. For example, regular maintenance and routine changes are typically very labor intensive in most systems or processes, and as a result, are ineffective at creating a seamless end-to-end process.

This often means that, even if an institution has an existing treasury system, they continue to rely on manual, paper-based and disparate processes requiring multiple approval layers. The result? Extended cycle times, decreased revenue and customers looking for alternative methods to achieve their complex commercial transaction requirements. By looking at each role in the treasury process, one can easily understand why it presents operational challenges. These challenges can include:

- _Limited transparency into the process_
- _Multiple forms and reliance on paper_
- _Ineffective pricing model_
- _Limited communication between business channels_
- _Extended cycle times_
- _Duplicative efforts_

Because of the number and complexity of treasury products and services, a cumbersome delivery model is a gateway to lost opportunities and underperformance.

In order to fully optimize the treasury process and capture critical opportunities for non-credit, fee-income business and more complete customer relationship management, it is clear FIs should embrace an integrated, end-to-end automated treasury strategy that connects directly to their lending and deposit process.

A typical, fully implemented onboarding process offers the following benefits:

- _Forms created on-site or delivered electronically_
- _Fully configurable proforma_
- _Increased efficiency through electronic signatures_
- _Transparency provided through online tools_
- _Automated dynamic order entry_
- _Workflow tools to streamline implementation_

Moving forward, financial institutions must think of treasury origination and onboarding from a digital and fully integrated perspective, where technology is easily managed by the institution and each stakeholder is seamlessly connected in the process, resulting in success and value for both the FI and the customer.

In this white paper, we offer a guide to understanding treasury’s value to the FI, common challenges faced during the treasury process and how the right combination of onboarding strategy and technology can lead to measurable straight-through processing results and accelerate time to revenue.

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