What if your payments could do more than just move money? Behind every transaction is a stream of data that, when analyzed effectively, holds the key to stronger financial decisions. Artificial Intelligence is helping finance and treasury teams uncover patterns, surface risks, and generate insights no human could process manually at the scale and speed that today's business demands.
Two distinct but complementary AI models are making this possible. Generative AI analyzes massive datasets to generate insights and forecasts. Agentic AI applies those insights to streamline and guide financial operations. Together, they shift payments from a back-office function to a strategic advantage.
As highlighted in our new Global Payments Insights Report, Peter Hazou of Microsoft says,
"Payments are recognized as a mission critical activity at a company. It’s their liquidity, their working capital. It's not just an operational function of paying and receiving, but payments have a more important scope to the health and well-being of the company."
Generative AI specializes in analyzing data patterns, generating insights, and forecasting outcomes. It identifies trends, predicts cash flow fluctuations, and makes recommendations for risk mitigation strategies.
How It Works
• Pulls payment-related data from transactions, ERP systems, and banks
to create a complete financial picture.
• Processes large volumes of data in real time using pattern recognition,
trend analysis, and risk assessment.
• Delivers insights and recommendations that support better decision-making
and help optimize cash flow.
Agentic AI extends beyond analysis by automating financial tasks and optimizing processes in response to data. It operates with clearly defined goals, using insights generated by models like Generative AI to guide its actions.
How It Works
• Monitors live financial data and adapts operations accordingly.
• Uses AI driven agents to prioritize and streamline workflows.
• Responds to established patterns and conditions to support timely and efficient
financial actions.
Generative AI surfaces insights by analyzing data and predicting outcomes. Agentic AI puts those insights to work by automating repeatable processes and reducing the burden of manual decision making. For example, Generative AI might highlight a potential liquidity shortfall by analyzing payment inflows and outflows. Agentic AI can then recommend restructuring payment priorities to preserve cash flow and, if approved, initiate the adjustment. Together, these models enable finance and treasury teams to act faster and with greater confidence by using data as a driver rather than a lagging indicator.
Financial environments are increasingly complex, making manual processes and static reports inefficient. Organizations that integrate Generative AI powered insights with Agentic AI driven automation can improve financial forecasting and decision making, reduce exposure to financial risks and fraud, and automate time intensive processes to boost operational efficiency. This combination gives businesses a strategic advantage in managing treasury operations with speed and accuracy.
Generative AI and Agentic AI are complementary technologies that, when combined, elevate financial operations. Businesses that adopt these AI capabilities can improve visibility, reduce risk, and make smarter, faster decisions across their payment and treasury activities.
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