Different Institutions. One Mission: Better Financial Performance.

Banks and credit unions need comprehensive optimization. Treasury-focused organizations need institutional market access. AIOM delivers both.

Who We Serve

Community Banks

Challenge: Enterprise complexity with community focus. Every dollar of revenue and every basis point of yield matters. You need sophisticated capabilities that scale to your operations without adding overhead.

How AIOM helps:

Revenue Assurance

  • $500K-$2M typical annual recovery

  • 5-12 basis points ROA improvement

  • Eliminates billing errors and pricing inconsistencies

  • Zero impact on customer-facing systems

  • Scales from $250M to $10B+ institutions

Treasury & Liquidity

  • Expand from 5-15 to 50+ institutional counterparties instantly

  • 3-8 basis points yield improvement on deposits and investments

  • Real-time pricing and instant execution

  • Optimize liquidity at any scale

Regional Banks

Challenge: Compete on sophistication while maintaining relationship focus. Board expectations for consistent profitability and strategic growth. Scale brings complexity: multiple channels, diverse product lines, and increasingly sophisticated operations.

How AIOM helps:

Revenue Assurance

  • Recover $800K-$5M+ annually across complex multi-channel operations

  • 4-8 basis points ROA improvement

  • Board-level visibility into revenue integrity

  • Zero impact on customer-facing systems

Treasury & Liquidity

  • Institutional-grade infrastructure at any scale

  • Optimize liquidity from hundreds of millions to tens of billions

  • 3-8 basis points yield improvement through competitive market access

  • Real-time pricing and instant execution

Credit Unions

Challenge: Serve members with competitive rates while maintaining financial sustainability. Recovered revenue and enhanced yields flow directly to member value. Scale brings opportunity: larger credit unions need sophisticated tools to compete with major banks.

How AIOM helps:

Revenue Assurance

  • Recover $400K-$3M+ annually, returned to member value or reserves

  • Address complexity from unique product structures and member tiers

  • Eliminates billing errors and pricing inconsistencies

  • Zero impact on customer-facing systems

  • Scales from $500M to $50B+ credit unions

Treasury & Liquidity

  • Improve net interest margin to fund competitive member rates

  • Access institutional markets aligned with cooperative principles

  • 4-8 basis points yield improvement on deposits and investments

  • Real-time pricing and instant execution

  • Optimize liquidity at any scale

Non-Banking Financial Institutions

Challenge: Manage substantial operational and investment cash without traditional bank infrastructure. Need institutional counterparty access, competitive yields, and professional execution - all while managing regulatory requirements and operational efficiency.

How AIOM helps:

Treasury & Liquidity

  • 50+ institutional counterparties across deposits, FX, repos, secured deposits, MMFs

  • 3-8 basis points yield improvement on operational and investment cash

  • Real-time pricing and instant execution vs. manual phone/email negotiations

  • Integration with existing treasury and accounting systems

  • Real-time pricing and instant execution

Corporate Treasurers

Challenge: Optimize working capital, manage multi-currency exposure, and achieve competitive pricing - all while reducing operational overhead. Limited counterparty relationships constrain options and pricing power.

How AIOM helps:

Treasury & Liquidity

  • Access 50+ institutional counterparties for deposits, FX, repos, and money market funds

  • Competitive FX execution across spot and forward markets

  • Real-time pricing comparison vs. relationship-dependent negotiations

  • Optimize returns on operational cash balances

  • Streamline multi-currency liquidity management

  • 24/5 global market access across time zones

Family Offices

Challenge: Manage substantial liquidity with institutional sophistication but without bank-level infrastructure. Require fiduciary-grade execution, multi-currency capabilities, and professional counterparty access - all while maintaining operational efficiency.

How AIOM helps:

Treasury & Liquidity

  • Institutional market access without building internal infrastructure

  • 50+ vetted institutional counterparties across 30+ countries

  • Multi-currency optimization for global investment portfolios

  • Professional-grade execution meets fiduciary responsibilities

  • Transparent pricing and best execution framework

  • Complete audit trail and reporting for family office governance

Asset Managers

Challenge: Optimize operational cash while managing fiduciary responsibilities. Need institutional execution quality, best pricing, and transparent audit trails. Limited treasury relationships constrain options and yields.

How AIOM helps:

Treasury & Liquidity

  • Institutional counterparty access appropriate to your AUM scale

  • 5+ basis points yield improvement on operational and fund cash

  • Multi-currency trading for global investment operations

  • Best execution capabilities support fiduciary responsibilities

  • Real-time pricing transparency across counterparties

  • Integration with asset management and accounting platforms

  • Professional-grade audit trail and compliance reporting

Government Entities

Challenge: Manage public funds with transparency, fiduciary responsibility, and taxpayer accountability. Need competitive yields, documented best execution, and expanded investment options - all within regulatory constraints.

How AIOM helps:

Treasury & Liquidity

  • Enhanced yields on public funds through competitive marketplace

  • Transparent best-execution framework for public accountability

  • 50+ institutional counterparties expanding investment options

  • Compliance with state investment policies and regulations

  • Complete audit trail and public reporting capabilities

  • Access to deposits, repos, money market funds, and government securities

  • Documented pricing transparency for oversight requirements

Which Solution Fits Your Organization?

Why AIOM

Financial Services
Expertise

  • Built by banking and treasury professionals

  • Designed for institutional needs

  • Industry best practices embedded

  • Regulatory compliance built-in

Modern
Technology

  • Cloud-native, API-first architecture

  • AI/ML powered intelligence

  • Bank-grade security

  • Seamless integration with existing systems

Measurable
Results

  • Measurable ROI in months, not years

  • Transparent ROA impact

  • 50+ institutional clients globally

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