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Spurred by surges in both the volume and complexity of the payments they manage, corporate treasurers entered 2020 with a heightened appetite for innovation. Our world now looks markedly different, and businesses face a slew of new and unexpected challenges brought on by Covid-19. Cash and liquidity have taken center stage—and for good reason. But 2020 will likely remain a transformative year for payments.

Even as the pandemic slows global and intraorganizational expansion, payment practices and technologies continue to adapt quickly, and they warrant companies’ attention in the near term. From the rise of real-time payments to open banking and application programming interface (API)–based settlement networks, to SWIFT gpi, the payments landscape will undergo transformations across multiple fronts as we get deeper into the year.

Here are three key shifts that corporate treasurers should consider leveraging as the payments landscape evolves throughout 2020, and as corporates’ world—along with everyone else’s—inches back toward normalcy:

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