An AI platform that provides real-time visibility into corporate cash flow and optimizes treasury decisions. It forecasts cash positions, recommends optimal investment strategies for idle cash, and automates hedging against currency risk.
Finance teams in mid-sized and multi-entity businesses often struggle to answer a simple question: how much cash will we have, where, and when? Balances sit across several banks and currencies, receivables arrive unpredictably and large payments cluster around payroll, tax and supplier runs. Forecasts built in spreadsheets are updated weekly at best, so surplus cash sits idle in low-interest accounts while other entities draw on overdrafts, and currency exposure is managed reactively.
AI cash flow forecasting brings bank feeds and ERP data together and predicts cash positions daily across accounts and entities. Time-series models learn customer payment behaviour and recurring outflows, and the treasurer can see likely surpluses and shortfalls weeks ahead. Optimisation tools then suggest options, such as moving funds between entities, placing surplus in term deposits or timing currency conversions. The system informs decisions; treasury staff and approved signatories still authorise transfers, investments and hedges within the board's treasury policy.
Bank balances and transactions arrive through banking APIs or statement feeds, and receivables, payables, payroll and tax schedules come from the ERP.
Time-series models forecast daily inflows and outflows by entity and currency, learning from historical payment timing and seasonal patterns.
The treasurer reviews the forecast, adds known one-off events such as capital purchases or loan drawdowns, and compares scenarios.
Optimisation logic suggests fund transfers, investment of surplus within policy limits, and timing for currency conversions or hedges.
Approved actions are executed through normal banking approval workflows, and forecast accuracy is tracked against actual balances to improve the model.
A multinational corporation's AI treasury platform forecasts a temporary cash surplus in their European accounts. It recommends investing it in a specific short-term instrument to maximize yield, a decision that would have previously required hours of manual analysis.
Time-Series Forecasting, Optimization Algorithms, Banking APIs, ERP Integration
Australian open banking operates under the Consumer Data Right, but business account data access varies by bank, so confirm what each bank supports through APIs or file feeds. Recommendations about investing surplus cash or using derivatives may touch financial product advice rules under ASIC's regime if provided by an external party; internal tools used by your own staff are different, but hedging with derivatives still requires appropriate bank agreements and board oversight. Keep audit trails of forecasts and decisions for ATO and auditor purposes, including foreign exchange gains and losses. APRA-regulated entities should assess vendors under CPS 234 and prefer Australian data hosting.
This solution requires careful evaluation of cost-benefit ratio. Consider implementation only after thorough analysis and risk assessment.
The full platform with automated hedging and multi-bank optimisation suits organisations with multiple entities, currencies and significant balances. A mid-sized business can start with AI cash flow forecasting alone, connecting bank feeds and accounting data to get a reliable forward view. Investment and FX features can be added once forecasting has proven itself.
It should not. The system recommends actions, but transfers, investments and hedges go through your existing bank approval process with authorised signatories. This keeps control with the people accountable under your treasury policy and avoids errors from an automated decision when the model has not seen a situation before.
Connecting multiple bank feeds, mapping ERP data across entities, training forecasting models on enough history and validating accuracy against real outcomes all take time. Treasury policies also need to be encoded as rules and tested. Running the AI forecast alongside the existing spreadsheet for a period is usually part of the rollout.
Get expert guidance on implementing AI-Powered Treasury & Cash Management for your business
Contact Our AI Experts