7 DIGITAL SETTLEMENT And with an identifying account number for payables and receivables that can be linked to a specific branch or subsidiary the potential loss of granularity threatened by increasing centralisation can be avoided Indeed Virtual Accounts actually promise to enhance granularity along with transparency and accuracy storing highly detailed information on cash and account management expenses and making them available through supplementary tools such as camt 086 account statements Moreover the real time view of cash flows grants new levels of visibility and access to information a considerable boost to transparency that improves both compliance and risk management operations Indeed when harnessed correctly such innovations work to make lives and businesses more straightforward Certainly becoming easy to deal with is a more and more important criterion for corporates when choosing their banking partners the simple cost of a service is no longer the most significant element especially when corporates stand to gain so much in terms of increased efficiency

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