OpusCapita, a cash management provider with over 800 customers in 100+ countries, recently published a comparison of the merits of in-house bank v. virtual accounts:

Source & Copyright©2019 - OpustCapita

They believe that:

• the centralization of cash and finance processes continues to be a key objective for many corporate Treasurers as they are attempting to achieve real-time cash visibility.
• centralization helps free trapped liquidity from local subsidiaries and bank accounts, and it allows optimization of working capital on a group-level. 
• Much of this can be achieved with either virtual accounts or an In-House bank. 
• They ask, “Which one is right for you?”

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CTMfile take: Interesting analysis which makes you think. One thought is: What if you combine the two approaches. Do you get the best of both worlds? For more see: https://www.opuscapita.com/