European Association of Corporate Treasurers (EACT) Annual Survey 2026

A 10-minute survey to determine major trends and priorities in treasury in 2026 and beyond.

Question Title

* 1. Are you a corporate treasurer?

Yes

Question Title

* 2. Which of the following are likely to be your major priorities over the next 12 to 24 months? Please choose 3.

Other - please specify (e.g. M&A, relation with other businesses, …)

Question Title

* 3. Which of the following innovations are you currently using or do you intend to use in the next 12 months?

	Already Using	Likely to Use	Unlikely to Use
APIs	APIs Already Using	APIs Likely to Use	APIs Unlikely to Use
Artificial Intelligence / Machine learning / AI agents / GenAI	Artificial Intelligence / Machine learning / AI agents / GenAI Already Using	Artificial Intelligence / Machine learning / AI agents / GenAI Likely to Use	Artificial Intelligence / Machine learning / AI agents / GenAI Unlikely to Use
Tokenized assets	Tokenized assets Already Using	Tokenized assets Likely to Use	Tokenized assets Unlikely to Use
Blockchain / DLT technologies	Blockchain / DLT technologies Already Using	Blockchain / DLT technologies Likely to Use	Blockchain / DLT technologies Unlikely to Use
Crypto assets, Stablecoins or Central Bank Digital Currencies (CBDC)	Crypto assets, Stablecoins or Central Bank Digital Currencies (CBDC) Already Using	Crypto assets, Stablecoins or Central Bank Digital Currencies (CBDC) Likely to Use	Crypto assets, Stablecoins or Central Bank Digital Currencies (CBDC) Unlikely to Use
Data analytics	Data analytics Already Using	Data analytics Likely to Use	Data analytics Unlikely to Use
Robotics Process Automation (RPA)	Robotics Process Automation (RPA) Already Using	Robotics Process Automation (RPA) Likely to Use	Robotics Process Automation (RPA) Unlikely to Use
Switch to Cloud or SaaS treasury solutions	Switch to Cloud or SaaS treasury solutions Already Using	Switch to Cloud or SaaS treasury solutions Likely to Use	Switch to Cloud or SaaS treasury solutions Unlikely to Use
Treasury as a Service (TaaS) and outsourcing of (some) treasury activities	Treasury as a Service (TaaS) and outsourcing of (some) treasury activities Already Using	Treasury as a Service (TaaS) and outsourcing of (some) treasury activities Likely to Use	Treasury as a Service (TaaS) and outsourcing of (some) treasury activities Unlikely to Use
Innovative FX management solutions (e.g. automation, dynamic hedging, pre-trade, identification of underlying exposures,...)	Innovative FX management solutions (e.g. automation, dynamic hedging, pre-trade, identification of underlying exposures,...) Already Using	Innovative FX management solutions (e.g. automation, dynamic hedging, pre-trade, identification of underlying exposures,...) Likely to Use	Innovative FX management solutions (e.g. automation, dynamic hedging, pre-trade, identification of underlying exposures,...) Unlikely to Use

Other (please specify)

Question Title

* 4. Which of the following innovations are likely to be of the greatest interest to your treasury over the next 12 to 24 months?

APIs

Fintechs

Tokenized assets

Availability 24/7

On-demand processing

Real time reporting and dashboarding

Real time payments and collections

Real time liquidity

Innovative FX management solutions (e.g. automation, dynamic hedging, pre-trade, identification of underlying exposures,...)

Switch to cloud or SaaS treasury solutions

Other (please specify)

Question Title

* 5. In your responsibility as a Treasurer which of the following instruments did you use in the last 12 months to influence working capital? (multiple answers possible)

Payment terms

Innovative payment and receivable methods (Request-to-Pay, Link-to-Pay, e-Invoice,…)

Cash forecasting platform(s)

Currency Management Automation

Account Receivables Automation

Supply Chain Finance Enhancement, Invoice Financing, Dynamic Discounting, ..

Asset-Based Financing (Inventory Finance, Sale & Lease-Back, …)

Other (please specify)

Question Title

* 6. What are the biggest challenges you face in centralising treasury in your organisation? (please select up to 3)

	1st Concern	2nd Concern	3rd Concern
Difficulties in standardising processes / weak internal controls	Difficulties in standardising processes / weak internal controls 1st Concern	Difficulties in standardising processes / weak internal controls 2nd Concern	Difficulties in standardising processes / weak internal controls 3rd Concern
Budget	Budget 1st Concern	Budget 2nd Concern	Budget 3rd Concern
(Internal) Human resources	(Internal) Human resources 1st Concern	(Internal) Human resources 2nd Concern	(Internal) Human resources 3rd Concern
Ad hoc talents and new required skills in treasury	Ad hoc talents and new required skills in treasury 1st Concern	Ad hoc talents and new required skills in treasury 2nd Concern	Ad hoc talents and new required skills in treasury 3rd Concern
Support from Business Units	Support from Business Units 1st Concern	Support from Business Units 2nd Concern	Support from Business Units 3rd Concern
Support and sponsorship from CFO and senior management	Support and sponsorship from CFO and senior management 1st Concern	Support and sponsorship from CFO and senior management 2nd Concern	Support and sponsorship from CFO and senior management 3rd Concern
Large number of bank accounts / complex account structures / large number of legal entities / …	Large number of bank accounts / complex account structures / large number of legal entities / … 1st Concern	Large number of bank accounts / complex account structures / large number of legal entities / … 2nd Concern	Large number of bank accounts / complex account structures / large number of legal entities / … 3rd Concern
Visibility on bank fees	Visibility on bank fees 1st Concern	Visibility on bank fees 2nd Concern	Visibility on bank fees 3rd Concern
Multiple technology solutions and platforms / complex IT architecture	Multiple technology solutions and platforms / complex IT architecture 1st Concern	Multiple technology solutions and platforms / complex IT architecture 2nd Concern	Multiple technology solutions and platforms / complex IT architecture 3rd Concern
Regulatory aspects	Regulatory aspects 1st Concern	Regulatory aspects 2nd Concern	Regulatory aspects 3rd Concern
Too many bank relationships	Too many bank relationships 1st Concern	Too many bank relationships 2nd Concern	Too many bank relationships 3rd Concern
Difficulty to convince IT department and CIO of investing in new technologies	Difficulty to convince IT department and CIO of investing in new technologies 1st Concern	Difficulty to convince IT department and CIO of investing in new technologies 2nd Concern	Difficulty to convince IT department and CIO of investing in new technologies 3rd Concern
Resistence from treasury team	Resistence from treasury team 1st Concern	Resistence from treasury team 2nd Concern	Resistence from treasury team 3rd Concern
Inaccurate Cash Flow Forecasting	Inaccurate Cash Flow Forecasting 1st Concern	Inaccurate Cash Flow Forecasting 2nd Concern	Inaccurate Cash Flow Forecasting 3rd Concern
Aggregating data cross different centres	Aggregating data cross different centres 1st Concern	Aggregating data cross different centres 2nd Concern	Aggregating data cross different centres 3rd Concern

Other (please specify)

	1st Choice	2nd Choice	3rd Choice
Bank relationships	Bank relationships 1st Choice	Bank relationships 2nd Choice	Bank relationships 3rd Choice
Capital structure	Capital structure 1st Choice	Capital structure 2nd Choice	Capital structure 3rd Choice
Cash flow forecasting	Cash flow forecasting 1st Choice	Cash flow forecasting 2nd Choice	Cash flow forecasting 3rd Choice
Digitization of treasury (e.g use of robotic process automation; artificial intelligence, machine learning, IT new solutions, data analytics)	Digitization of treasury (e.g use of robotic process automation; artificial intelligence, machine learning, IT new solutions, data analytics) 1st Choice	Digitization of treasury (e.g use of robotic process automation; artificial intelligence, machine learning, IT new solutions, data analytics) 2nd Choice	Digitization of treasury (e.g use of robotic process automation; artificial intelligence, machine learning, IT new solutions, data analytics) 3rd Choice
LT Funding (capital markets & banks)	LT Funding (capital markets & banks) 1st Choice	LT Funding (capital markets & banks) 2nd Choice	LT Funding (capital markets & banks) 3rd Choice
Political uncertainty (trade wars, pandemic, war, etc.)	Political uncertainty (trade wars, pandemic, war, etc.) 1st Choice	Political uncertainty (trade wars, pandemic, war, etc.) 2nd Choice	Political uncertainty (trade wars, pandemic, war, etc.) 3rd Choice
Fraud (internal / external) and cyber-risks	Fraud (internal / external) and cyber-risks 1st Choice	Fraud (internal / external) and cyber-risks 2nd Choice	Fraud (internal / external) and cyber-risks 3rd Choice
Risk Management (e.g. FX, interest rate or/and commodity risks)	Risk Management (e.g. FX, interest rate or/and commodity risks) 1st Choice	Risk Management (e.g. FX, interest rate or/and commodity risks) 2nd Choice	Risk Management (e.g. FX, interest rate or/and commodity risks) 3rd Choice
Treasury organization & structure (e.g. centralisation, in-house bank, payment factory, new required skills)	Treasury organization & structure (e.g. centralisation, in-house bank, payment factory, new required skills) 1st Choice	Treasury organization & structure (e.g. centralisation, in-house bank, payment factory, new required skills) 2nd Choice	Treasury organization & structure (e.g. centralisation, in-house bank, payment factory, new required skills) 3rd Choice
Treasury technology infrastructure review/ replacement of existing IT tools (e.g. TMS)	Treasury technology infrastructure review/ replacement of existing IT tools (e.g. TMS) 1st Choice	Treasury technology infrastructure review/ replacement of existing IT tools (e.g. TMS) 2nd Choice	Treasury technology infrastructure review/ replacement of existing IT tools (e.g. TMS) 3rd Choice
Partnering (with other department at HQ level, subsidiaries, operations and other stakeholders)	Partnering (with other department at HQ level, subsidiaries, operations and other stakeholders) 1st Choice	Partnering (with other department at HQ level, subsidiaries, operations and other stakeholders) 2nd Choice	Partnering (with other department at HQ level, subsidiaries, operations and other stakeholders) 3rd Choice
New financial (EU) regulations and revised regulations	New financial (EU) regulations and revised regulations 1st Choice	New financial (EU) regulations and revised regulations 2nd Choice	New financial (EU) regulations and revised regulations 3rd Choice
ESG (e.g. green financing, ESG compliant asset management, diversity, …)	ESG (e.g. green financing, ESG compliant asset management, diversity, …) 1st Choice	ESG (e.g. green financing, ESG compliant asset management, diversity, …) 2nd Choice	ESG (e.g. green financing, ESG compliant asset management, diversity, …) 3rd Choice
Working capital management optimization	Working capital management optimization 1st Choice	Working capital management optimization 2nd Choice	Working capital management optimization 3rd Choice
Talent Management (graduates, young professionals, hiring, upskilling)	Talent Management (graduates, young professionals, hiring, upskilling) 1st Choice	Talent Management (graduates, young professionals, hiring, upskilling) 2nd Choice	Talent Management (graduates, young professionals, hiring, upskilling) 3rd Choice