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Article
Digital Bank Runs Expose Dangerous Gaps in Liquidity Risk Management
Banking liquidity specialists warn that digital payments, AI-enabled deposit switching and emerging financial technologies are undermining traditional funding stability assumptions. They advocate shorter-term stress testing, stronger intraday monitoring, operationally accessible liquidity buffers and faster crisis decision-making as regulators respond to the lessons of recent banking failures.
Oct 21, 2026
Center for Financial Professionals ,
Tags:
ALM, Treasury and Liquidity Risk
The views and opinions expressed in this content are those of the thought leader as an individual and are not attributed to CeFPro or any other organization
- Digital banking is
accelerating deposit withdrawals and challenging traditional liquidity
assumptions
- UK regulatory
proposals emphasize preparing, accessing and proving liquidity
availability
- Seven-day stress
testing could expose vulnerabilities missed by 30-day LCR assessments
- Banks must
demonstrate that collateral can be monetized quickly during crises
- Intraday monitoring
and early warning indicators are increasingly essential
- Slow governance
processes can undermine emergency funding responses
- AI-enabled deposit
switching could intensify funding volatility
- Stablecoins and
digital currencies present emerging competitive risks
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