>40%
economia de custos com hedge
>90%
Precisão da previsão
24/7
Confiabilidade
"A plataforma de gerenciamento de tesouraria da Bettr ajuda a Capital A a reduzir os custos de câmbio, proteger e melhorar nossas margens e reduzir o risco, ao mesmo tempo em que melhora as operações gerais. A plataforma nos permite prever nossos fluxos de caixa para gerenciar melhor nossa exposição cambial."
Aireen Omar,
Diretoria Executiva do Grupo
BigPay
Once defined by high barriers and low flexibility, the financial industry is now shifting toward an era of intelligence and real-time decisioning. Even the most established institutions feel driven to evolve beyond manual reviews and rule-bound processes to keep up with unprecedented disruption in the industry – with changing customer expectations, tightening regulations and raging competition snapping at their heels.
Artificial Intelligence (AI) acts as both a catalyst and engine of this rapid change. Its adoption raises the bar for speed and precision, while equipping businesses with the means to achieve those very standards. When properly implemented, AI leads to faster, fairer, and more data-driven financial services that can reach emerging market merchants and other traditionally underserved players.
Read on to find out how organisations can use AI to stay ahead of this growing movement toward more inclusive, intelligent financial services.
Why FSIs are rapidly adopting AI
Today’s transformer-based deep learning models – the core of today’s modern AI platforms – are capable of analysing thousands of data points within seconds.
This transforms risk assessments, reconciliations, compliance checks, forecasting, and other tasks once handled manually. AI allows them to be executed at scale with far greater consistency.
And unlike traditional systems, AI continues learning as new information surfaces, uncovering patterns and anomalies that human teams might miss. This enables financial institutions to adapt their decisions in real time, even as customer behaviour and regulations shift.
It’s no surprise, then, that AI is starting to look less like a luxury and more like a business necessity. Digital convenience has raised expectations to the point where customers now demand instant, personalised responses – even as transaction volumes continue to crack all time highs.
But speed is just one part of the story. The landscape itself has become more treacherous than before with increasingly sophisticated bad actors e complex compliance demands. To keep up, institutions are turning to AI not just for automation but also deeper financial insight. For instance, 28% of finance teams use AI in their quarterly financial reporting.
Furthermore, LLMs built on modern credit engines can analyse patterns across sales cycles, payment behaviour, inventory turnover, and more – painting a far more nuanced picture of financial health than backward-looking statements allow.
In some cases, machine learning has cut revenue-forecast cycles from two weeks to two hours while raising accuracy to 97%, demonstrating why speed and efficiency dividends of AI are simply impossible to ignore.
How AI facilitates fairer, faster financing
An AI-powered credit approach can also benefit SMEs that were once overlooked by outdated financial snapshots.
Traditional documents like tax filings and audited statements only capture where a business has been – not where it’s going. By analysing alternative datasets such as payment patterns, sales cycles, and platform activity, AI can build a more context-aware picture of financial health.
Accelerated approvals for qualified borrowers – and a reduction in unnecessary rejections – can be expected with these holistic evaluations.
Fintech lenders are already leveraging real-time sales and invoice data to offer near-instant accounts-receivable financing for online merchants, while others embed credit decisioning directly into merchant platforms so that working-capital support can be extended at the exact point of need. Smaller players can now provide financial services on a far more level playing field, no longer constrained by rigid benchmarks that never truly measured their borrowers’ true potential.
In response to this AI-driven shift away from traditional credit approaches, demand has escalated for alternative datasets. Buy-side firms now subscribe to an average of 19 such datasets annually, with budgets of up to $10 million.
How AI enables global FX without global-sized headaches
For years, treasurers have devoted much of their time to managing sudden foreign exchange (FX) fluctuations and meeting constant pre-funding requirements – often at the expense of focusing on profit protection.
FX exposure remains one of the most persistent risks in global finance, as even small rate movements can accumulate into substantial losses by the time settlements occur. This also burns out teams by forcing them to maintain constant vigilance over multiple channels.
Thankfully, AI is already lifting that burden for treasury teams. Global enterprises such as airlines and hotels are already using AI to minimise the cost of overseas staff and supplier payments. By analysing market signals and geopolitical indicators in real time, modern credit engines can forecast foreign-exchange exposure with far greater accuracy than before.
Ant International’s Falcon Time-Series Transformer (TST) AI Model, for instance, runs extensive data archives through a time-series transformer architecture to track future FX movements more precisely, enabling real-time pricing in response to prevailing exchange rates and other external stimuli.
Trials of the TST AI FX model are already helping airline industry participants achieve up to 60% savings in foreign-exchange costs by reducing unnecessary hedging and risk-premium buffers. Additionally, various TST-based treasury operating models have also helped improve liquidity-management efficiency by 30–50%.
Modern tools for modern finance
Financial services leaders work hard – but in this technologically disruptive era, hard work simply isn’t enough. Instead of relying on outdated tools that make you work harder, why not lean into modern technology designed to fix modern challenges in the financial industry – those covering speed, security, and greater inclusion?
Whether you’re unsure of where your business stands financially, or ready to finally give your operations a much-needed cash injection, schedule a call with our team to see how you can take your financing to the next level.
