# SAP Treasury and Risk Management vs Tesorio Comparison
---
## AI Generated Summary
- Users report that Tesorio excels in **Ease of Use** with a score of 9.3, making it more user-friendly compared to Treasury and Working Capital Management, which scored 8.0. Reviewers mention that Tesorio's intuitive interface simplifies cash management tasks significantly.
- Reviewers mention that Tesorio's **Quality of Support** is outstanding, scoring 9.4, while Treasury and Working Capital Management only achieved 8.5. Users on G2 appreciate Tesorio's responsive customer service and helpful resources, which enhance their overall experience.
- G2 users highlight Tesorio's superior **Cash Flow Management** capabilities, particularly in **Automated Cash Operations** with a score of 7.9, compared to Treasury and Working Capital Management, which lacks this level of automation. Users say this feature saves them time and reduces manual errors.
- Users report that Tesorio provides better **Analytics** features, particularly in **Cash Balances** with a score of 9.6, while Treasury and Working Capital Management scored lower in this area. Reviewers mention that Tesorio's analytics tools offer deeper insights into financial health.
- Reviewers mention that Tesorio's **Banking Connectivity** is exceptional, scoring 9.8, which allows seamless integration with various banking systems. In contrast, Treasury and Working Capital Management does not match this level of connectivity, leading to potential inefficiencies.
- Users on G2 highlight Tesorio's strong performance in **Cash Pooling** with a score of 9.5, which is a critical feature for managing multiple accounts effectively. Treasury and Working Capital Management does not offer comparable functionality, which users find limiting for their cash management needs.



| | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Star Rating** | 4.2 out of 5 | 4.7 out of 5 | 
| **Total Reviews** | 53 | 237 | 
| **Largest Market Segment** | Mid-Market (46.9% of reviews) | Mid-Market (49.4% of reviews) | 
| **Entry Level Price** | No pricing available | Contact Us | 

---
## Top Pros & Cons

### SAP Treasury and Risk Management

Pros:
- Visibility (6 reviews)
- Cash Management (5 reviews)

Cons:
- Not User-Friendly (4 reviews)
- Difficult Setup (3 reviews)

### Tesorio

Pros:
- Ease of Use (30 reviews)
- Automation (16 reviews)

Cons:
- Improvement Needed (12 reviews)
- Sync Issues (8 reviews)

---
## Ratings Comparison
| Rating | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
  | **Meets Requirements** | 8.7 (28 reviews) | 8.9 (190 reviews) | 
  | **Ease of Use** | 8.2 (29 reviews) | 9.3 (197 reviews) | 
  | **Ease of Setup** | 8.1 (22 reviews) | 9.3 (119 reviews) | 
  | **Ease of Admin** | Not enough data | 9.2 (82 reviews) | 
  | **Quality of Support** | 8.7 (28 reviews) | 9.4 (180 reviews) | 
  | **Has the product been a good partner in doing business?** | Not enough data | 9.5 (84 reviews) | 
  | **Product Direction (% positive)** | 8.1 (25 reviews) | 9.4 (176 reviews) | 

---
## Pricing

### SAP Treasury and Risk Management

#### Entry-Level Pricing

No pricing available

#### Free Trial

Yes

### Tesorio

#### Entry-Level Pricing

Plan: Contact Tesorio

Price: Contact Us

Key Features:
- Tesorio Agentic Financial Operations Platform

[Learn more about Tesorio](https://www.g2.com/products/tesorio/reviews)

#### Free Trial

No

---
## Features Comparison By Category

### Credit and Collections

| Product | Score | Reviews |
|---|---|---|
| **SAP Treasury and Risk Management** | N/A | N/A |
| **Tesorio** | 8.1/10 | 123 |

#### Customer Credit

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Credit Limits** | Not enough data | 8.0 (27 reviews) | 
| **Credit History** | Not enough data | Feature Not Available | 
| **Credit Limits Adjustment** | Not enough data | Feature Not Available | 
| **Integration with Credit Rating Agencies** | Not enough data | Feature Not Available | 
| **Credit Limit Suspension** | Not enough data | Feature Not Available | 

#### Invoice Matching

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Incomplete Payments** | Not enough data | 8.3 (89 reviews) | 
| **Match Invoices and Payments** | Not enough data | 8.6 (88 reviews) | 
| **Errors and Adjustments** | Not enough data | 7.6 (77 reviews) | 
| **Cash Application** | Not enough data | 8.2 (73 reviews) | 

#### Collections

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Late Payments** | Not enough data | 9.2 (107 reviews) | 
| **Disputed Transactions** | Not enough data | 8.6 (97 reviews) | 
| **Personalized Customer Messaging** | Not enough data | 8.8 (111 reviews) | 
| **Customer Profiles** | Not enough data | 9.0 (107 reviews) | 

#### Analytics

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **At Risk Customers** | Not enough data | 8.9 (109 reviews) | 
| **Esimated vs Actual Receipts** | Not enough data | 8.2 (95 reviews) | 
| **Collections Effectiveness** | Not enough data | 8.8 (107 reviews) | 
| **Scaleability** | Not enough data | 8.8 (74 reviews) | 
| **Artificial Intelligence** | Not enough data | 7.4 (68 reviews) | 
| **Compliance Control** | Not enough data | Feature Not Available | 

#### Self Service

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Customer Portal** | Not enough data | 8.1 (79 reviews) | 
| **Financial Documents** | Not enough data | 7.8 (77 reviews) | 

#### Agentic AI - Credit and Collections

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 6.3 (12 reviews) | 
| **Multi-step Planning** | Not enough data | 6.0 (12 reviews) | 
| **Adaptive Learning** | Not enough data | 6.3 (12 reviews) | 

### Treasury Management Systems

| Product | Score | Reviews |
|---|---|---|
| **SAP Treasury and Risk Management** | 9.1/10 | 30 |
| **Tesorio** | N/A | N/A |

#### Cash Management

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Monitor Cash Positions** | 9.5 (24 reviews) | Not enough data | 
| **Debt and Investments** | 9.0 (18 reviews) | Not enough data | 
| **Cash Pooling** | 9.4 (13 reviews) | Not enough data | 
| **Cash Operations** | 9.0 (15 reviews) | Not enough data | 
| **Schedules** | 8.5 (12 reviews) | Not enough data | 
| **Automated Cash Operations** | 8.9 (15 reviews) | Not enough data | 

#### Risk and Compliance

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Manage Different Types of Risk** | 8.7 (19 reviews) | Not enough data | 
| **Comply with Financial Regulations** | 9.0 (14 reviews) | Not enough data | 
| **Counterparty Risk Management** | 8.1 (14 reviews) | Not enough data | 
| **Hedging** | 8.3 (9 reviews) | Not enough data | 

#### Analytics

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Cash Balances** | 9.7 (11 reviews) | Not enough data | 
| **Risk Positions and Scenarios** | 8.5 (11 reviews) | Not enough data | 
| **Expiring Contracts and Payments** | 8.9 (9 reviews) | Not enough data | 
| **Direct Spend Analysis** | 9.8 (8 reviews) | Not enough data | 

#### Banking

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Banking Connectivity** | 9.8 (8 reviews) | Not enough data | 
| **Bank Account Management** | 9.4 (12 reviews) | Not enough data | 
| **Intercompany Lending** | 9.2 (8 reviews) | Not enough data | 
| **Automated Banking** | 9.4 (9 reviews) | Not enough data | 

#### Integration

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Financial Systems** | 9.0 (12 reviews) | Not enough data | 
| **Analytics** | 9.4 (12 reviews) | Not enough data | 
| **FX and Trading Paltforms** | 9.0 (8 reviews) | Not enough data | 
| **Multiple Data Sources** | 8.8 (10 reviews) | Not enough data | 

#### Financial Data Transfer

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Data Exchange** | 9.4 (8 reviews) | Not enough data | 
| **Reporting** | 8.8 (11 reviews) | Not enough data | 
| **Access** | 8.8 (7 reviews) | Not enough data | 
| **Integration** | 9.1 (9 reviews) | Not enough data | 

#### Agentic AI - Treasury Management Systems

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Natural Language Interaction** | Not enough data | Not enough data | 
| **Proactive Assistance** | Not enough data | Not enough data | 
| **Decision Making** | Not enough data | Not enough data | 

### Cash Flow Management

| Product | Score | Reviews |
|---|---|---|
| **SAP Treasury and Risk Management** | N/A | N/A |
| **Tesorio** | 8.2/10 | 51 |

#### Cash Flow Management

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **File Exports** | Not enough data | 8.1 (41 reviews) | 
| **Income and Expenses** | Not enough data | 7.4 (30 reviews) | 
| **Track Cash Flow** | Not enough data | 8.0 (42 reviews) | 

#### Cash Flow Forecasting

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Historical Data** | Not enough data | 8.3 (41 reviews) | 
| **Reforecast** | Not enough data | 8.3 (37 reviews) | 
| **Forecast Types** | Not enough data | 8.2 (37 reviews) | 
| **Rolling Forecasts** | Not enough data | 8.1 (34 reviews) | 
| **AI** | Not enough data | 7.3 (19 reviews) | 

#### Analytics

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Variance Analysis** | Not enough data | 7.9 (36 reviews) | 
| **Reports** | Not enough data | 8.4 (43 reviews) | 
| **Forecast Comparison** | Not enough data | 8.2 (37 reviews) | 
| **Forward Looking** | Not enough data | 8.2 (39 reviews) | 

#### Financial Data Transfer

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Data Transfer** | Not enough data | 8.3 (38 reviews) | 
| **Data Exchange** | Not enough data | 8.4 (39 reviews) | 
| **Reporting** | Not enough data | 8.8 (41 reviews) | 
| **Access** | Not enough data | 8.8 (42 reviews) | 
| **Integration** | Not enough data | 8.7 (42 reviews) | 

#### Agentic AI -  Cash Flow Management

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

### Accounts Receivable

| Product | Score | Reviews |
|---|---|---|
| **SAP Treasury and Risk Management** | N/A | N/A |
| **Tesorio** | 8.6/10 | 79 |

#### Reporting

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Status** | Not enough data | 9.1 (74 reviews) | 
| **Customer Credit** | Not enough data | 8.4 (26 reviews) | 
| **History** | Not enough data | 8.9 (75 reviews) | 

#### Integrations

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Accounting** | Not enough data | 8.8 (72 reviews) | 
| **ERP** | Not enough data | 8.4 (67 reviews) | 
| **CPM** | Not enough data | Feature Not Available | 

#### Transactions

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Credits** | Not enough data | Feature Not Available | 
| **Invoices** | Not enough data | 9.1 (74 reviews) | 
| **Payments** | Not enough data | 8.8 (70 reviews) | 

#### Workflows

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Approvals** | Not enough data | 8.7 (27 reviews) | 
| **Reconciliation** | Not enough data | 8.2 (67 reviews) | 

#### Agentic AI - Accounts Receivable Automation

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 7.2 (12 reviews) | 

#### AI - Accounts Receivable

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Generative** | Not enough data | Not enough data | 
| **Responses** | Not enough data | Not enough data | 
| **Predictive Analytics** | Not enough data | Not enough data | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **SAP Treasury and Risk Management** | N/A | N/A |
| **Tesorio** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

---
## Categories

**Unique to SAP Treasury and Risk Management (1):** [Treasury Management Systems](https://www.g2.com/categories/treasury-management-systems)

**Unique to Tesorio (3):** [Accounts Receivable Software](https://www.g2.com/categories/accounts-receivable), [Credit and Collections Software](https://www.g2.com/categories/credit-and-collections), [Cash Flow Management Software](https://www.g2.com/categories/cash-flow-management)


---
## Reviewer Demographics

### By Company Size

| Segment | SAP Treasury and Risk Management | Tesorio | 
|---|---|---|
| **Small-Business** | 14.3% | 17.3% | 
| **Mid-Market** | 46.9% | 49.4% | 
| **Enterprise** | 38.8% | 33.3% | 

### By Industry

#### SAP Treasury and Risk Management

- **Financial Services:** 19.4%
- **Accounting:** 11.1%
- **Retail:** 8.3%
- **Information Technology and Services:** 8.3%
- **Telecommunications:** 5.6%
- **Oil & Energy:** 5.6%
- **Mining & Metals:** 5.6%
- **Banking:** 5.6%
- **Chemicals:** 5.6%
- **Automotive:** 2.8%
- **Other:** 22.2%

#### Tesorio

- **Computer Software:** 37.2%
- **Information Technology and Services:** 18.4%
- **Accounting:** 13.7%
- **Marketing and Advertising:** 4.7%
- **Financial Services:** 3.8%
- **Telecommunications:** 2.6%
- **Computer & Network Security:** 1.7%
- **Internet:** 1.7%
- **Medical Devices:** 1.7%
- **Real Estate:** 1.3%
- **Other:** 13.2%

---
## Alternatives

### Alternatives to SAP Treasury and Risk Management

- [Kyriba](https://www.g2.com/products/kyriba/reviews) — 4.5/5 stars (123 reviews)
- [Ripple Treasury, powered by GTreasury](https://www.g2.com/products/ripple-treasury-powered-by-gtreasury/reviews) — 4.2/5 stars (32 reviews)
- [Coupa](https://www.g2.com/products/coupa-software-coupa/reviews) — 4.2/5 stars (569 reviews)
- [Agicap](https://www.g2.com/products/agicap/reviews) — 4.4/5 stars (364 reviews)
- [Integrity SaaS Treasury Management](https://www.g2.com/products/integrity-saas-treasury-management/reviews) — 5.0/5 stars (3 reviews)
- [Trovata](https://www.g2.com/products/trovata-trovata/reviews) — 4.5/5 stars (34 reviews)
- [MX.3](https://www.g2.com/products/mx-3/reviews) — 4.3/5 stars (5 reviews)
- [Openlink](https://www.g2.com/products/openlink/reviews) — 3.8/5 stars (20 reviews)
- [Nomentia](https://www.g2.com/products/nomentia/reviews) — 4.6/5 stars (13 reviews)
- [Rho](https://www.g2.com/products/rho/reviews) — 4.7/5 stars (126 reviews)

### Alternatives to Tesorio

- [Invoiced](https://www.g2.com/products/invoiced/reviews) — 4.5/5 stars (414 reviews)
- [Quadient Accounts Receivable](https://www.g2.com/products/quadient-accounts-receivable/reviews) — 4.4/5 stars (152 reviews)
- [Billtrust](https://www.g2.com/products/billtrust/reviews) — 4.4/5 stars (510 reviews)
- [HighRadius Accounts Receivables](https://www.g2.com/products/highradius-corporation/reviews) — 4.3/5 stars (237 reviews)
- [Gaviti](https://www.g2.com/products/gaviti/reviews) — 4.4/5 stars (190 reviews)
- [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) — 4.4/5 stars (1808 reviews)
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- [Kolleno](https://www.g2.com/products/kolleno/reviews) — 4.9/5 stars (102 reviews)
- [Growfin](https://www.g2.com/products/growfin/reviews) — 4.5/5 stars (68 reviews)
- [Versapay](https://www.g2.com/products/versapay/reviews) — 4.1/5 stars (95 reviews)

---
## Top Discussions

### SAP Treasury and Risk Management

No discussions available for this product.

### Tesorio

- Title: [How do I use Tesorio to its full potential with its existing features?](https://www.g2.com/discussions/how-do-i-use-tesorio-to-its-full-potential-with-its-existing-features) — 2 comments, 1 upvote *(includes official response)*
  > **Top comment:** "Tesorio's Customer Success Managers will work with you and your team to make the most out of Tesorio's features. To learn more about how other companies are..."
- Title: [Is there any scope, if you can make the Sync option on real time basis.?](https://www.g2.com/discussions/is-there-any-scope-if-you-can-make-the-sync-option-on-real-time-basis) — 1 comment, 1 upvote *(includes official response)*
  > **Top comment:** "Tesorio Administrators have the ability to initiate a sync at anytime. Updates made in Tesorio to Contacts, Notes, Emails, and Payment Application are always..."
- Title: [What is the best way to use Tesorio to its fuller capacity?](https://www.g2.com/discussions/what-is-the-best-way-to-use-tesorio-to-its-fuller-capacity) — 1 comment, 1 upvote *(includes official response)*
  > **Top comment:** "Tesorio's Customer Success Managers will work with you and your team to make the most out of Tesorio's features. To learn more about how other companies are..."
- Title: [Is it possible in Tesorio to provide us in Collections the entire account of a customer that shows all payments being applied to its invoices?](https://www.g2.com/discussions/is-it-possible-in-tesorio-to-provide-us-in-collections-the-entire-account-of-a-customer-that-shows-all-payments-being-applied-to-its-invoices) — 1 comment, 1 upvote *(includes official response)*
  > **Top comment:** "Yes, Tesorio provides a complete view for each customer including open/cleared invoices, applied/unapplied credit memos, and applied/unapplied payments. The..."

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/sap-treasury-and-risk-management-vs-tesorio)