Patricia Sullivan, Deutsche Bank’s global head of institutional cash management, outlines how the bank is reshaping correspondent banking through real-time processing, intelligent automation, and unified digital infrastructure. Deutsche Bank’s dbX platform integrates payments, liquidity and foreign exchange into a single modular architecture. It enables clients to achieve greater operational efficiency, cost transparency and liquidity control, supported by advisory tools such as dbX Advise and dbX Treasury. The platform is built on three pillars of innovation: distributed ledger technology, artificial intelligence and fintech collaboration. Through distributed ledger technology-based networks like Partior, Deutsche Bank is pioneering instant atomic settlement and programmable money across currencies. Artificial intelligence supports liquidity forecasting, payment routing and risk management, while strategic fintech partnerships enhance localisation and speed. Beyond technology, the bank’s approach embeds resilience, trust and education across its correspondent network—addressing compliance, sanctions and cybersecurity in a shared ecosystem. As Sullivan notes, the goal is to become the “global house bank of the future”—digitally enabled, locally connected and globally trusted. By combining innovation with prudent governance, Deutsche Bank is not only adapting to change but actively building the foundations for a faster, safer, and more connected financial system.
