Real time information (RTI) in liquidity management is fast becoming a must have for banks. "Back in 1999 when we started looking at it, it was very much a nice to have, a differentiator. Now in 2004 it's an essential solution. It's not a question of if, but how," said Paul Nixon, senior product manager, Banking Services, Global Payments and Cash management at HSBC and panelist on the Sibos session entitled "Real time information. Is legacy getting in the way?"