Treasury Readiness Quiz: Is your Treasury team prepared for the future?

Treasury is changing faster than most teams realize. Real-time visibility, AI-driven forecasting, and automated controls are quickly becoming the new baseline. This short quiz helps you see where your team stands today and how prepared you are for the next wave of Treasury operations.

Each question is scored from 1 to 5, with 1 meaning “Never,” 3 meaning “Sometimes,” and 5 meaning “Always.” Add up your total across all ten questions to get your score, then check your results below to see which readiness stage your team falls into.

Questions

Question 1 - Have you automated your bank reconciliation processes and now manage your bank accounts from a single, centralized source?

Question 2 - Are your bank transactions categorized (tagged) automatically? 

Question 3 - Is your cashflow forecast largely automated, with minimal manual adjustments?

Question 4 - Can you execute business requests for “what if” liquidity scenarios same day?

Question 5 - Are you leveraging AI to detect anomalies or potential fraud in payments?

Question 6 - Are you able to keep idle cash to a minimum and avoid overdraft risk, with limited oversight?

Question 7 - Do you know your FX exposures in real-time and have the ability to mitigate FX risk proactively, e.g. hedging?

Question 8 - Are you leveraging AI to assess credit risk and monitor rates for investment portfolio optimization?

Question 9 - Have you eliminated manual spreadsheets used in day to day Treasury operations?

Question 10 - Is Treasury viewed as a strategic business partner to the business and not just an administrative function?

Bonus Question (Yes/No) - Did you know that Finance teams use Nilus to gain control of cash, forecast with confidence, and act faster with real-time AI insights?

Results

Score 10-20 - Still early in the journey

Your Treasury team has the ambition to simplify and automate the day to day Treasury operations, but they’re going to need some support to get there. Whether it’s manual bank reconciliations, manual categorization of transactions or a manual refresh of the latest cashflow forecast, the team has some work to do to prepare for the future of Treasury operations. Taking advantage of an AI-first Treasury operations solution (like Nilus) is going to propel this team into the future of Treasury operations. So why wait?

Score 21-30 - Somewhat prepared

The team has started to take advantage of automation within their day to day, possibly leveraging AI to automate bank reconciliations or providing real-time monitoring for fraud, credit risk and fx exposures. However, there is still work to be done. While your Treasury team has started off on the right foot, there are ways to accelerate live risk monitoring and automation of manual day to day processes within Treasury operations. If you haven’t explored an AI-first Treasury operations solution (like Nilus) yet, then you’re going to fall behind!

Score 31-40 - Comfortable, with room to grow

The team knows a thing or two when it comes to leveraging AI within Treasury operations. They are already leveraging tools to automate manual tasks and are proactively looking at AI-first solutions (like Nilus) to stay two steps ahead of their peers. Treasury is no longer reviewed as a back office function, but as a forward-thinking, strategic business partner. There is still some work to be done to provide real-time insights to key stakeholders, but the future is looking bright!

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What’s next? It is time to embed real-time insights into critical liquidity decisions.

Score 41-50 - Treasury automation All Stars!

Your Treasury team is crushing it! You are already leveraging Treasury automation solutions to manage the day to day. The team is monitoring risks proactively and taking the necessary steps to mitigate them. Treasury is viewed as a strategic business partner, offering real-time insights to support critical business decisions. No need to update your cashflow forecast manually - it’s already accurate! This team is already embracing the future of Treasury operations - it’s time for others to catch up!

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What’s next? It's time to future-proof your Treasury team’s existing operations. No matter where your score landed, this quiz highlights the same momentum across the industry: Treasury is shifting from manual oversight to proactive, AI-enabled decisioning. The teams that invest early will not only streamline today’s workload but also build a foundation that keeps them ahead of whatever comes next.