Closing the Cash Optimisation Gap: The MillTech 2026 UK Cash Management Report
Despite frequent cash-positions reviews, our new survey of senior finance decision-makers across the UK finds that firms hold an average of more than £900m in excess cash, with operation friction, slow onboarding, and fragmented market access standing in the way. As automation becomes widespread and demand for money market funds set to rise, the focus is shifting from identifying idle cash to optimising it more efficiently.
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Cash is under constant review, yet still under-optimised
Operational friction is blocking optimisation
Slow onboarding is limiting provider diversification
Automation is already standard, AI is next
Cash balances of this size are too significant to sit in the background. How efficiently that cash is deployed can have a meaningful impact on financial performance.
Neil Gallacher
Co-Head of Cash Management Solutions
Firms hold an average of more than £900m in excess cash, with significant scope to optimise how balances are put to work