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Converting Payment Data into Action with AI

Transcard
April 9, 2025

Finance teams have long relied on slow, outdated payment processes and static reports that offer little real-time insight. But what if payments could be more? Artificial Intelligence (AI) is turning transactions into actionable insights, helping businesses optimize cash flow, reduce risk, and make smarter financial decisions.

By analyzing ERP payment data, bank data, and bureau data in real time, AI is becoming a critical tool for financial teams. According to our Insights Report, "90% of respondents said leveraging AI for receivable and payable forecasting will be very important over the next 3-5 years."

AI-Infographic

AI transforms payments into a strategic asset, identifying emerging patterns, predicting cash flow, and automating workflows to help businesses optimize liquidity and reduce risk. Instead of reacting to financial shifts after the fact, treasury teams can now make proactive, data-driven decisions, all with agentic AI-driven assistants prioritizing issues.

AI-powered financial optimization brings key advantages:

Predictive Analytics - Leveraging data from ERP, transaction, and bank systems to forecast more accurately

•  Cash Flow Optimization - Providing AI driven recommendations and insights to optimize cash flow and reduce financial risks

•  Intelligent Payment Routing - Automating payment workflows for faster, more secure transactions

•  Training & Education - Equipping finance teams with guidance and education to automate tasks more effectively

•  Conversational AI Agents - Embedded “Ask Anything” assistants that enhance workflows and decision-making

The shift from traditional to AI-powered payments is about modifying your financial strategy. As AI continues to evolve, businesses that embrace AI-driven financial workflows will gain a competitive edge in optimizing treasury operations and working capital.

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