ETR Digital Wins TMI Awards 2026 for Best Accounts Payable & Receivable Solution

ETR Digital has been named Best Accounts Payable & Receivable Solution at the TMI Awards 2026. This honour recognises our impact on modernising the way in which businesses manage their working capital and unlock liquidity using secure, digital instruments that enable them to transact with greater speed, transparency and confidence. 

For over three decades, Treasury Management International (TMI) has celebrated innovation and best practice in treasury, and its annual awards have become a global benchmark for excellence. Winners are selected through a qualitative process that showcases practitioners, banks, and technology providers pushing the profession forward. 

Our Approach: Working Capital Notes™ on Flownote™ 

At the heart of our solution are Working Capital Notes™ (WCNs): secure, digital instruments that are designed for today’s treasury operations. WCNs make it faster and safer to issue, accept, transfer, discount and settle payment obligations, while preserving strong legal enforceability and auditability. That combination is what enables companies to accelerate liquidity without adding complexity to their finance stack. 

Our platform, Flownote™, powers the full lifecycle of WCNs. Treasury and finance teams can create instruments in minutes, manage them through a single interface, and transfer them between stakeholders as needs evolve. The outcome is a streamlined route to institutional capital and a more resilient cash conversion cycle for both buyers and suppliers. 

What Our Customers Are Achieving

Accounts payables (AP) and accounts receivables (AR) are the engine room of corporate liquidity. Friction in these processes slows settlement, ties up cash and strains supplier relationships. 

Across deployments, we’ve seen buyers use WCNs to maintain or thoughtfully extend payment terms while enabling suppliers to access up to 100% of invoice value immediately. Suppliers, in turn, gain predictable liquidity at moments that matter, reducing dependence on expensive short‑term borrowing and improving their own working‑capital resilience. 

Finance teams report clearer visibility over obligations, stronger controls and fewer manual touchpoints in month‑end processes. These benefits are amplified when instruments can be transferred or discounted with confidence through established channels of capital. 

Thank you to the TMI Awards team, our customers, our partners and the ETR Digital team. We are honoured by this recognition and excited by the journey ahead.