Most treasury teams are under intense pressure to act fast. With unpredictable market shifts and increasing cash flow management complexity, having just cash visibility is not enough. Finance leaders need systems that help them make quick, informed data-driven decisions. But the truth is, many teams still rely on treasury software that are unable to scale. These traditional tools often work in silos, rely on delayed data, and mostly provide businesses insights on what has already occurred and not future scenarios.
That’s why more CFOs need to reassess their tech infrastructure and ask:
“Is our treasury system helping us stay ahead—or just helping us keep up?”
Agentic AI addresses these challenges by going beyond basic automation. It helps forecast cash accurately, spots issues proactively, and even provides suggestions on next-best actions. It’s a lot more than just another dashboard and a smarter way to manage the treasury—one that helps businesses stay in control when it matters most.
At its core, agentic AI in treasury management is a proactive system that operates independently, learns continuously from treasury data, identifies risks or trends, and takes informed actions—delivering faster decisions and higher operational ROI. Unlike traditional robotic process automation (RPA), it adapts to changing market conditions and outcomes.
Moreover, agentic AI integrates critical elements such as cash flows, forecasts, bank activity, and ERP data, helping businesses get a comprehensive overview. If there’s an anticipated cash shortfall, it might suggest transferring money from one account to another or highlight non-critical payments that can be deferred. It looks at what’s happening across systems and decides the next step backed by insights.
Speed to Value in 6 months. Forecast accuracy at 95%.
If Your Tech Can’t Match It—Its Time to Switch. See What a Real Treasury Platform Delivers.
Download Feature GuideMost treasury systems have done a decent job with basic automation, streamlining routine tasks and reducing the time spent on month-end reporting. But these tools haven’t kept up. Most treasury automation platforms still heavily rely on fixed logic and user inputs to operate. This approach worked when decisions could wait. But today, it is no longer viable.
Disconnected bank portals, siloed cash data, and static forecasts all create blind spots, leading to cash shortfalls or missed opportunities. Simply put, traditional treasury automation isn’t enough anymore. While conventional AI models are useful for reporting trends or spotting issues, agentic AI actively responds. It identifies risks, suggests next steps, and even takes action when needed—closing the loop between data and decision.
Traditional TMS provides data and insights but leaves the resolution and related action to the user. Agentic AI goes further, proactively spotting trends and patterns, predicts fluctuations, and autonomously takes action when needed. It helps the treasury teams move quicker, stay ahead, and shift from reactive to proactive strategy.
Key Differences:
Most treasury systems still rely on forecasting models that don’t adjust as the market changes. They often overlook shifts in payment behavior, ignore trends, and often leave teams working with outdated numbers. That results in stalled cash flows —or worse, unexpected borrowing needs at the last minute.
Agentic AI changes that. It uses data from across AR, AP, banks, and ERP to update forecasts daily. Over time, it learns how the cash moves through the business—so the numbers get accurate, pushing forecasting accuracy to a whopping 95%.
Traditional treasury systems are built to report—not to guide. The more data a traditional TMS collects, the harder it becomes to act on. You get pages of reports, dashboards full of charts, with spike, shortfall, or unexpected payment relying on human intervention to investigate, interpret, and decide.
That’s where intelligent treasury systems come in. AI-powered treasury management software, proactively spots the outlier, explains it, and provides resolutions—before it becomes an issue.
Most legacy treasury platforms are fragmented, with rarely any chance of integrating disparate systems. It may provide advanced automation capabilities in few areas such as payables, receivables, or bank reconciliations but still involve data operating in silos. So the team spends all their precious time stitching the data all together, in turn dragging the cycle time.
Agentic AI fixes that by providing a consolidated view. It connects AR, AP, and treasury in one intelligent system that learns across workflows. Moreover, agentic AI powered treasury management also uses live data across functions to build accurate forecasts, spot timing gaps, and suggest when to hold or push payments.
Most treasury systems with legacy AI haven’t changed much in a decade. They remain reliable but are slow, rigid, and dependent on manual intervention to interpret insights. The critical questions CFOs must ask is: Can their existing systems empower timely, proactive financial decisions before opportunities slip away?
Agentic AI-powered treasury systems do just that. They shorten decision time, improve accuracy, and reduce reactionary costs. It goes beyond data and dashboards, prevents shortfalls, reallocates excess cash, and time funding decisions with precision.
Reduces idle cash, improves investment timing, and cuts reliance on costly short-term borrowing.
Flags unusual payments, forecast deviations, or out-of-pattern activity—before they become problems.
Suggests next-best actions like delaying non-critical payments or reallocating idle funds to meet cash targets.
Integrates data from AR, AP, Treasury, and ERP to drive smarter liquidity planning and faster funding decisions.
Helps model what-if conditions (M&A, capex, payment delays) to evaluate cash impacts across entities or regions.
Automatically initiates pre-approved actions—like intercompany transfers or FX hedges—based on thresholds or forecast shifts.
Improves accuracy over time by adapting to seasonality, customer behavior, and changing market conditions.
Most treasury systems automate routine tasks but often teams are still chasing numbers, pulling reports, and making tough calls without enough support. The work gets done, but it’s still slow, manual, and reactive.
HighRadius provides a smarter approach. Its intelligent treasury platform, powered by agentic AI, learns from your actual cash behavior, proactively identifying risks before they turn costly. . Beyond automating workflows, it significantly simplifies decision-making, enabling your team to achieve more impactful outcomes with less manual effort.
By connecting data from AR, AP, banks, and ERP systems, it ensures precise forecasts, seamless payment flows, and responsive liquidity planning.
Key capabilities of HighRadius treasury solution are::
Delivers 95%+ accuracy by learning from live business data
Flags risks, routes approvals, and ensures 98% on-time payments execution
Automates daily bank feeds and reconciliations ensuring 100% automated GL entries generation
Quickly and clearly identifies and explains forecast discrepancies.
Optimizes capital allocation, ensuring funds reach where they’re most needed, ensuring 70% enhancement in cash management productivity.
Gives a real-time view of available cash across all banks with 100% global cash visibility
The result? Up to 50% reduction in idle cash and 70% improvement in cash flow productivity.
An autonomous treasury management system handles more than just data—it thinks ahead. It updates forecasts, flags risks, and helps course-correct before problems land on your desk. You’re not reacting after the event has occured—you’re operating with control, clarity, and proactiveness to strategically plan your next move.
Agentic AI doesn’t just automate approvals or reconciliations—it learns from a business’s cash flow patterns. It can trigger fund transfers when a shortfall is projected, hold payments if liquidity dips, and spot exceptions before they cause delays. It’s faster—and far more aware.
AI in finance delivers strong ROI through cost savings, faster decisions, and higher accuracy. It cuts operational costs by up to 50% and scales easily. Use cases like AP automation and cash forecasting often see 200–400% ROI within 6–12 months, boosting efficiency and strategic agility.
AI-powered cash forecasting is important for treasury management because market conditions change quickly. AI helps teams stay in sync with what’s happening right now. It learns from trends, adjusts on the fly, and replaces guesswork with accurate forecasts that teams can actually rely on when making critical calls.
AI in cash forecasting looks at real-time data from AR, AP, bank accounts, and ERP systems. Then it learns how your cash really moves—and keeps your forecast updated without manual input. The more it learns, the sharper it gets. Businesses spend less time fixing and more time planning.
Positioned highest for Ability to Execute and furthest for Completeness of Vision for the third year in a row. Gartner says, “Leaders execute well against their current vision and are well positioned for tomorrow”
Explore why HighRadius has been a Digital World Class Vendor for order-to-cash automation software – two years in a row.
For the second consecutive year, HighRadius stands out as an IDC MarketScape Leader for AR Automation Software, serving both large and midsized businesses. The IDC report highlights HighRadius’ integration of machine learning across its AR products, enhancing payment matching, credit management, and cash forecasting capabilities.
In the AR Invoice Automation Landscape Report, Q1 2023, Forrester acknowledges HighRadius’ significant contribution to the industry, particularly for large enterprises in North America and EMEA, reinforcing its position as the sole vendor that comprehensively meets the complex needs of this segment.
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We have seen financial services costs decline by $2.5M while the volume, quality, and productivity increase.
Colleen Zdrojewski
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