Empowering enterprise growth through smarter Cash Management Services with BDO

Editor’s note: This press release is sponsored by BDO Unibank Inc. and was handled by BrandRap, the sales and marketing arm of Rappler. No member of the news and editorial team participated in the publishing of this piece.

In today’s fast-changing business landscape, agility and efficiency are no longer optional—they’re essential. For many enterprises in the Philippines, managing cash flow, ensuring liquidity, and staying ahead of digital transformation challenges have become defining factors of growth. At the forefront of enabling this evolution is BDO Unibank Inc. (BDO), whose Cash Management Services (CMS) have evolved from basic banking transactions into strategic enablers of enterprise success for companies of all sizes.

Carlo Nazareno, senior vice President and head of BDO’s Transaction Banking Group – Cash Management Services, shares how the bank empowers businesses to scale efficiently, manage risks, and thrive in both local and regional markets.

From transactions to transformation

“Cash management has become a strategic enabler of growth,” Nazareno begins. “We take a consultative approach—assessing a client’s treasury maturity and align the right solutions to their operational needs and growth stage.”

For BDO, it’s not just about moving money—it’s about building long-term financial ecosystems that enable enterprises to operate with speed, accuracy, and visibility. Solutions such as automated collections, integrated reconciliation tools, and ERP system connectivity help organizations streamline processes while maintaining control over their financial operations.

This partnership approach has positioned BDO not just as a banking provider, but as a trusted ally in helping companies navigate complexity, enhance efficiency, and pursue growth with confidence.

Addressing modern business challenges

Today’s enterprises face challenges that extend beyond simple cash flow management. Operational complexity, market volatility, and fraud risks often hinder financial control. Nazareno notes that many companies still struggle with fragmented financial data and manual processes, which can lead to inefficiencies and poor visibility.

BDO’s CMS addresses these pain points by introducing automation, real-time data access, and enhanced security frameworks. The goal is to provide businesses with the financial agility needed to make informed decisions quickly, mitigate risks, and maintain liquidity—even in unpredictable environments.

Helping businesses scale—from local to regional

Whether expanding within the Philippines or venturing into cross-border operations, companies need financial systems that grow with them. “We’ve continuously expanded our infrastructure, digital capabilities, and partnership models to help clients scale sustainably,” Nazareno explains.

Locally, one of the widest branch and ATM network in the country, along with Cash Agad outlets and agency banking partners, make financial services more accessible to enterprises even in remote areas. 

Regionally, the bank enables cross-border collections and disbursements, real-time cash visibility, and multi-currency support, giving clients seamless financial integration across markets. 

Tailored solutions for every growth stage

BDO recognizes that businesses evolve and their financial needs evolve with them. For startups and SMEs, the focus is on digitization and efficiency—onboarding them to BDO’s Business Online Banking, automating payroll, and simplifying disbursements. As these businesses scale, solutions such as Corporate Cash Deposit Machines (CCDMs) and Corporate Check Scanners give them real-time access to working capital without visiting the bank. 

“For large corporations, we provide centralized liquidity management, secure ERP integration via API or SFTP, and cross-border payment capabilities—all designed to optimize operations at scale,” says Nazareno.

Empowering Enterprises Through People and Technology

While BDO’s CMS is driven by technology, its foundation remains deeply human. “Our relationship managers and client support officers play a critical role. They work closely with clients to understand their operations and recommend solutions tailored to their industry,” says Nazareno.

With over 400 CMS professionals supporting clients across segments, businesses receive the attention, expertise, and guidance they need—from onboarding to optimization. This personalized support, combined with ongoing training and digital education, helps enterprises fully leverage the benefits of automation and digital tools.

Building trust through security and reliability

In a digital economy, security and trust are essential. BDO ensures security through multiple layers of protection, including robust encryption protocols, secure logins, multi-factor authentication, and continuous system monitoring. Clients benefit from real-time crediting, instant notifications, and enterprise-grade reliability—providing both confidence and control over their financial operations.

“Our clients can focus on running their businesses knowing that their financial transactions are handled securely, quickly, and accurately,” Nazareno emphasizes.

Driving industry-specific efficiency

Every industry operates differently. In retail, real-time crediting and reconciliation ensure efficient collections and inventory management. In healthcare, where timely payments and secure handling of sensitive data are critical, automated disbursements, data security and reliable fund availability are critical for smooth operations. For utilities, reliable bill payment channels support millions of recurring transactions, while real estate developers benefit from liquidity management tools and automated debit arrangements that ensure on-time payments and optimized cash positions.

“We understand that different industries have unique needs. Our role is to help clients operate more efficiently, make informed financial decisions, and focus on growing their core business,” Nazareno says.

Enabling the future of enterprise growth

As the economy becomes increasingly digital, BDO continues to invest in solutions that go beyond efficiency—solutions that build resilience and long-term growth.

“We see ourselves as strategic partners,” Nazareno concludes. “By combining advanced technology, nationwide reach, and personalized client support, we empower enterprises to grow confidently and sustainably in a fast-moving business environment.” – Rappler.com