{"id":20440,"date":"2025-02-19T10:31:44","date_gmt":"2025-02-19T02:31:44","guid":{"rendered":"https:\/\/www.syfe.com\/magazine\/?p=20440"},"modified":"2025-02-19T10:42:24","modified_gmt":"2025-02-19T02:42:24","slug":"syfe-research-reveals-sme-cash-management-challenges-sgd-800-million-lost-in-potential-interest-annually","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/magazine\/syfe-research-reveals-sme-cash-management-challenges-sgd-800-million-lost-in-potential-interest-annually\/","title":{"rendered":"Syfe research reveals SME cash management challenges; SGD 800 million lost in potential interest annually"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"20447\" data-permalink=\"https:\/\/www.syfe.com\/magazine\/syfe-research-reveals-sme-cash-management-challenges-sgd-800-million-lost-in-potential-interest-annually\/frame-1430071381-1\/\" data-orig-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/02\/Frame-1430071381-1.jpg\" data-orig-size=\"1024,644\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Frame-1430071381-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/02\/Frame-1430071381-1-300x189.jpg\" data-large-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/02\/Frame-1430071381-1.jpg\" src=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/02\/Frame-1430071381-1.jpg\" alt=\"\" class=\"wp-image-20447\" width=\"1024\" height=\"644\" srcset=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/02\/Frame-1430071381-1.jpg 1024w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/02\/Frame-1430071381-1-300x189.jpg 300w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/02\/Frame-1430071381-1-768x483.jpg 768w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/02\/Frame-1430071381-1-668x420.jpg 668w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/02\/Frame-1430071381-1-696x438.jpg 696w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\" style=\"font-size:13px\"><li><em>On average, Singaporean SMEs are collectively missing out on SGD 800M in potential interest earnings.<\/em><\/li><li><em>A recent Syfe survey revealed that nearly half of Singapore\u2019s SMEs prioritise guaranteed returns and liquidity when managing cash \u2013 with traditional banking solutions that often means losing out on potential returns on their capital.<\/em><\/li><li><em>Syfe has partnered with Wallex to empower SMEs with competitive returns of up to 3.5% and next-day fund access, offering a smarter, more flexible solution to strengthen financial resilience.<\/em><\/li><\/ul>\n\n\n\n<p><strong>Singapore, 13 Feb 2025<\/strong> \u2013 Singaporean SMEs are collectively missing out on an estimated SGD 800 million annually by keeping idle cash in low-yield bank accounts, according to Syfe\u2019s internal estimates. Syfe, Asia Pacific\u2019s leading saving and investment platform, recently surveyed 350 SMEs which revealed the pressing cash management challenges these businesses face: nearly half prioritise guaranteed returns (48%) and value liquidity (45%) \u2013 with traditional banking solutions that often means losing out on potential returns on their capital.<\/p>\n\n\n\n<p>The survey also revealed that the average Singaporean SME has fewer than 11 months of cash reserves to sustain operations during periods of poor performance, leaving them vulnerable to economic disruptions. Rising interest rates, inflation, and operational costs compound these challenges, while internal issues like delayed payments and supply chain disruptions further strain cash flow.<\/p>\n\n\n\n<p>The findings also show that SMEs prefer diversified strategies for cash management, balancing risk and returns. Popular methods include money market funds (43%), standard business bank accounts (43%), and fixed deposits (41%).<\/p>\n\n\n\n<p>Jack Prickett, Chief Commercial Officer at Syfe, shared, \u201cThis data underscores the difficulties SMEs face in optimising their cash reserves. Many businesses are operating with limited financial buffers while external pressures continue to mount. At Syfe, we believe that SMEs deserve better tools and strategies to unlock the value of their idle cash. By empowering businesses with smarter financial solutions, we can help them build the resilience needed to navigate challenges and drive growth.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Closing the Gap<\/strong><\/h2>\n\n\n\n<p>Syfe estimates that by leveraging smarter cash management strategies, such as those prioritising competitive returns and high liquidity, SMEs could recover significant financial value from their idle cash.<\/p>\n\n\n\n<p>One example is Syfe Earn which was recently launched in partnership with Wallex, which is a tailored cash management solution designed to help SMEs unlock value from their cash reserves while addressing their top priorities. This product offers competitive returns of up to 3.5% and no minimum lock-in period, addressing the critical need for guaranteed returns and liquidity.<\/p>\n\n\n\n<p>Syfe Earn is designed to support a diverse range of businesses, from sole proprietors to mid-sized enterprises across various industries. Clients already benefiting from Syfe Earn include consultancy firms, food manufacturers, education providers, churches, and property management companies. Beyond offering competitive returns, Syfe Earn solves two other pain points SMEs face: lengthy onboarding processes and limited liquidity. Businesses can start earning returns in as little as 24 hours, with funds readily accessible through next-day withdrawals, enabling SMEs to maintain operational flexibility without sacrificing yield.<\/p>\n\n\n\n<p>Prickett added, \u201cSyfe Earn is one way we\u2019re helping SMEs build financial resilience. By turning idle cash into a growth engine, businesses can reinvest these gains into hiring, operations, or innovation\u2014areas that directly contribute to economic growth.\u201d<\/p>\n\n\n\n<p>Hiro Kiga, GM, Payments at M-DAQ Global &amp; Co-Founder, Wallex, stated, \u201cSMEs often operate with limited financial resources, making effective cash management business critical. We\u2019re excited to partner with Syfe to introduce this new feature, enabling&nbsp; businesses to transform their Wallex wallet funds into a steady, low-risk source of returns, while maintaining liquidity. This addition enhances our cross-border payments product&nbsp; line, offering speed, support, and savings.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>About the Study<\/strong><\/h2>\n\n\n\n<p>The survey polled 350 SME business owners aged 25+ in Singapore, with SGD 100,000 &#8211; 20,000,000 in cash reserves to analyze how they manage their idle cash reserves and the financial challenges they face in doing so.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>About Syfe<\/strong><\/h2>\n\n\n\n<p>Syfe is Asia Pacific\u2019s leading saving and investment platform, empowering people to build their wealth for a better future. Built on the pillars of access, advice and affordability, Syfe caters to the different wealth needs of individuals with diversified proprietary portfolios, cash management solutions and brokerage. In Singapore alone, Syfe manages multiple billion dollars in assets and over 5% adult citizens are using the platform to achieve their financial goals.<\/p>\n\n\n\n<p>Licensed and operational in Singapore, Hong Kong and Australia, Syfe has customers from 60+ countries. The company has raised SGD 105 million to date and is backed by leading global investors including Peter Thiel\u2019s Valar Ventures, Unbound and partners from DST.<\/p>\n\n\n\n<p>For more information on Syfe, please visit: <a href=\"http:\/\/www.syfe.com\">www.syfe.com<\/a>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>About Wallex<\/strong><\/h2>\n\n\n\n<p>Founded in 2016, Wallex (now M-DAQ Payment Solutions Pte. Ltd) is the leading FX and payments specialist for businesses transacting in Asia, empowering them to operate overseas confidently \u2014 with powerful cross-border solutions that deliver greater speed, support, and savings.&nbsp;<\/p>\n\n\n\n<p>Customers are taking back control of their FX and payments processes through our robust and secure online platform \u2013 converting and paying in 47 currencies, collecting payments in 35 currencies via virtual, and holding funds in a wallet through the Wallex Global Business Account.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Wallex is a part of M-DAQ Global group of companies which is licensed in Singapore, Indonesia and Hong Kong, with a presence across Asia-Pacific.&nbsp;<\/p>\n\n\n\n<p>For more information, please visit: <a href=\"http:\/\/www.wallex.asia\">www.wallex.asia<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>On average, Singaporean SMEs are collectively missing out on SGD 800M in potential interest earnings. A recent Syfe survey revealed that nearly half of Singapore\u2019s SMEs prioritise guaranteed returns and liquidity when managing cash \u2013 with traditional banking solutions that often means losing out on potential returns on their capital. Syfe has partnered with Wallex [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":20452,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[41],"tags":[],"class_list":{"0":"post-20440","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"acf":{"readingTime":"","authorName":"","authorThumbnail":false,"BLUE_TIER":"0","BLACK_TIER":"0","GOLD_TIER":"0","PRIVATE_WEALTH_TIER":"0","PRE_AML":"0","POST_AML":"0","NO_GLOBAL_PORTFOLIO":"0","NO_REITS_PORTFOLIO":"0","NO_EQUITY_PORTFOLIO":"0","NO_CASH_PORTFOLIO":"0","HAS_ADVISOR":"0","INVESTMENT_PORTFOLIO_AUM":"0","AFTER_AML_DATE":"","AFTER_ACCOUNT_CREATED_DATE":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Syfe research reveals SME cash management challenges; 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