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Interest rates move. Your margins shouldn’t have to suffer for it. Yet for many banks, that’s exactly what happens. A shift in the rate environment triggers a scramble: manual recalculations, delayed reporting, and decisions made using data that’s already out of date. The margin erosion is quiet, gradual, and entirely preventable. How interest rate shifts quietly erode bank margins Net interest margin is the lifeblood of a bank’s profitability.

The systemic risk buffer and the capital conservation buffer are two distinct regulatory capital requirements under the Basel III framework that serve different protective functions for banks. The systemic risk buffer addresses institution-specific risks that could threaten overall financial stability, while the capital conservation buffer acts as a general cushion above minimum capital requirements to absorb losses during periods of economic stress.

Streamlining end-of-day processes in treasury operations involves implementing automated systems and standardised workflows to eliminate manual bottlenecks. Modern treasury management platforms enable real-time data processing, automated reconciliations, and integrated reporting that transform time-consuming daily procedures into efficient, accurate operations. This transformation reduces operational risk whilst improving compliance and decision-making capabilities.

The shift to instant payments and continuous settlement is often described as a regulatory or technological change. In practice, it is neither. Intraday liquidity has always been an operational requirement—the ability of a bank to meet its payment and settlement obligations as they fall due during the day. What regulation has done is formalise expectations around this. What instant payments have done is remove any remaining buffer for managing it retrospectively.

On 11 June 2026, members of the MORS user community gathered at the MORS User Forum 2026 to exchange experiences, discuss industry developments, and explore new solutions supporting risk management and regulatory compliance. During the event, Zanders presented their Regulatory Watch Tower service, designed to help organizations stay informed about regulatory developments and compliance requirements.

For smaller and mid-sized banks, funding plans have traditionally been treated as policy documents: updated periodically, aligned with regulatory expectations, and reviewed during internal governance cycles. In today’s environment, that approach is no longer sufficient. Rising interest rates, increased deposit competition, and a greater reliance on wholesale funding sources are putting pressure on balance sheets and exposing weaknesses in static funding assumptions.

MORS Software is proud to announce that it has been awarded the Great Place to Work® Certification for the fourth consecutive year, continuing a tradition that reflects our commitment to creating an exceptional workplace culture built on trust, collaboration, and employee well-being. Receiving this recognition for the fourth year in a row is particularly meaningful because it is based directly on employee feedback.

“Real-time treasury” has become a standard ambition across banks. But in practice, not everything in treasury needs to be real-time, and pushing everything in that direction creates unnecessary complexity. The real question is not how to make treasury real-time everywhere. It is how to decide where real-time processing actually matters. The shift toward real-time treasury Treasury in banks is moving from batch-based decision-making toward continuous visibility and faster execution.

The narrative in treasury technology is often too simplistic: APIs = modern, fast, real-time Batch = legacy, slow, outdated In reality, most banks operate a hybrid model. Some processes are real-time, while many critical ones still run in overnight or scheduled batch cycles. This is not a failure of technology. It is a deliberate design choice.

Helsinki, Finland – 16.6.2026 – MORS Software today announced a new partnership with Nomentia, a European leader in treasury and cash management solutions, to jointly support banks that are modernising treasury operations and looking to cover both treasury risk workflows and payment-related requirements in a cohesive setup.