The 2026 Real Treasury Tech Selection Guide
The practitioner-led guide to evaluating and selecting treasury technology — enter your details and we’ll email you the download link.
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- Independent, practitioner-written vendor categorization
- Covers cash, payments, bank connectivity, and TMS selection
- Built from live client TMS selection engagements
TMS Systems – NORAM
This is not just another guide!
When you first saw or heard about this TMS Selection Guide you probably thought, “another one?”
But wait! This one is different. This guide contains EVERY TMS vendor selling into the North American treasury marketplace.
What’s in the guide
This guide is designed to help you understand the TMS marketplace better and includes:
- An article about our proprietary ERR NOT™ selection methodology with tips you can use to improve your selection process;
- Information about the three segments and the products in each;
- A matrix of each segment that highlights each product’s functionality; and
- Several articles which are designed to give you information about changing technology and to help you make better selection decisions.
What readers say
What I like about this guide is that it’s genuinely impartial… If you need a guide to the treasury technology market, this is it. It’s almost like a workbook. It helps you see who’s out there, what they offer and where they might fit. Whether you’re a smaller treasury team with relatively straightforward needs, or a much larger and more complex treasury function, it gives you the chance to look across the whole market and properly consider the different options available to you. It’s comprehensive, balanced and, most importantly, it doesn’t leave you wondering what you might have missed.”Mike Richards, CEO & Founder, The Treasury Recruitment Company
Why this one is different
If you look up “how to buy a treasury management system,” you’ll find plenty of guides from consultants and industry analysts where vendors pay for inclusion. Moreover, many vendors have written selection guides and, surprisingly enough, each one is biased towards its own system.
This Selection Guide is an unbiased view of the current TMS marketplace, not just a narrow slice of the market. Like the TMS marketplace chart, this guide includes every vendor that meets our segment definitions. EVERY ONE and without any kind of financial consideration whatsoever.
At Real Treasury, vendors do not pay for inclusion in our market charts, our Treasury Tech Portal, or this guide. Every vendor on our marketplace chart is included in the segment listings and in the matrix. It’s entirely free.
We believe that knowledge of the segments, and the products within each segment, gives you a better view of your available options so that you can find the best-fit product to meet your unique requirements.
Our principles
A little more than two years ago we started Real Treasury with certain principles in mind, our “Requirements,” the guideposts or North Star we continue to depend on to drive our decisions:
- We work exclusively for our clients. We are your advocates, bringing our unique skillsets and prior experiences to bear on your behalf.
- We are objective and vendor-agnostic.
- We don’t let partnerships influence selection advice. We have no partnerships with TMS vendors that generate referral payments, kickbacks, commissions, implementation revenue, or any kind of payment that could influence our advice to you.
These principles differentiate us from the many other treasury consultants available to you.
How to use it
We hope you enjoy this inaugural Real Treasury Technology Selection Guide (North American edition) and will use it throughout the year as you explore cash and treasury management solutions.
Remember, Success starts with Selection!
About Real Treasury
Real Treasury is a vendor-neutral treasury technology consulting firm specializing in Treasury Management System (TMS) selection. Real Treasury is vendor-agnostic by design and stands out as uniquely focused on selection.
Tracey Knight is a treasury and finance technology expert with 30+ years in FinTech and corporate finance transformation. She has worked with thousands of organizations to modernize cash and treasury operations and improve how finance teams make technology decisions. As a founding partner of Real Treasury, Tracey helps CFOs and Treasurers run objective, requirements-driven selection processes in an increasingly crowded treasury technology marketplace.
Tim Schultz is a Certified Treasury Professional (CTP) and Certified Corporate FP&A Professional (FPAC) with 17+ years of treasury, FP&A, and accounting experience. As a co-founder of Real Treasury, Tim helps treasury teams run structured evaluations, aligning requirements to confidently select the right TMS.
Selection is the first step toward success, because the right fit, chosen for the right reasons, sets the foundation for measurable value.
What happens when you submit the form
You will receive an email with the link to the guide. We will also email you when a new edition is published, and occasionally when we write something we think is worth your time. Unsubscribe at any time — the link is in every email.
Frequently asked questions
Do vendors pay to be in the Guide?
No, vendors do not pay for inclusion in our market charts, our Treasury Tech Portal, or this guide.
Does it rank or recommend vendors?
This Selection Guide is an unbiased view of the current TMS marketplace, not just a narrow slice of the market. It includes every vendor that meets our segment definitions. We believe that knowledge of the segments, and the products within each segment, gives you a better view of your available options so that you can find the best-fit product to meet your unique requirements.
Which market does it cover?
This guide contains EVERY TMS vendor selling into the North American treasury marketplace. This is the inaugural North American edition.
Why trust a guide written by consultants?
If you look up “how to buy a treasury management system,” you’ll find plenty of guides from consultants and industry analysts where vendors pay for inclusion. Many vendors have written selection guides, each one biased towards its own system. We have no partnerships with TMS vendors that generate referral payments, kickbacks, commissions, implementation revenue, or any kind of payment that could influence our advice to you.