The payments landscape has become increasingly complex. Driven by the demand for corporate value-added services, rising customer expectations, and a dynamic global regulatory landscape coupled with structural changes in the financial industry, treasurers are facing challenging times. Clarity of information is essential. But can a true-view of cash-in and cash-out be achieved? Is a ‘Treasury as One’ integrated process possible? Sven Lindemann, CEO of Serrala (the new name for Hanse Orga Group) explores the notion of a new payments universe.