Picture this: a treasury office in 2035. The morning might start with a chief financial officer logging into a secure portal, where an artificial intelligence (AI) avatar greets them with a briefing of overnight currency swings, projected cash balances, and maybe an alert about a supplier default risk in Asia.
The AI, against this backdrop, could propose a handful of mitigation strategies, complete with financial impacts and probabilities. The CFO might ask follow-up questions, challenge assumptions, and ultimately greenlights one path. The avatar would then execute, documenting rationale for auditors. Minutes later, the company’s global liquidity profile is adjusted.
This is not science fiction. The core technologies of large language models, autonomous agents, and conversational avatars all exist today. What remains is integration, governance, and cultural acceptance.
After all, 2035 is just 10 years away.
The AI treasurer is coming; the question is when, not if. And the potential of agentic AI in corporate treasury underscores a broader truth, that finance is no longer confined to numbers in a ledger. It is increasingly about speed, foresight and trust.
From Back Office to Center Stage
Corporate treasury has historically been considered a niche discipline, tucked behind flashier functions like strategy or product innovation. Yet it often determines whether a business can survive shocks. During the 2008 financial crisis, treasury teams scrambled daily to secure funding. During the pandemic, they became lifelines, navigating frozen supply chains and unpredictable demand curves.
These historic crucibles have elevated treasury’s strategic importance. Boards now expect treasurers to provide real-time insight, not just static reports. But human teams are limited: even a well-staffed treasury department cannot scan thousands of market signals, liquidity positions and geopolitical shifts in real time without help. Spreadsheets and enterprise systems only go so far.
This is where agentic AI treasury systems could enter. Rather than functioning as silent engines behind a dashboard, next-generation AI treasurers may appear as interactive, explainable agents. They can tell a CFO why a swap was executed, walk through alternative scenarios, and even adjust tone and detail depending on the audience, whether it’s a risk committee or a junior analyst. The once-invisible treasury function suddenly becomes a visible, conversational partner.
Animated, conversational, and capable of executing trades or wiring funds, these agentic AI systems could fundamentally reshape how corporations think about liquidity, risk and decision-making.
The Avatar Advantage
The idea of an “AI avatar” may conjure images of cartoonish holograms. But in the finance context, the avatar is less about theatrics and more about human trust. Avatars serve as the interface for increasingly complex decision-making systems. When an algorithm moves $200 million across jurisdictions, executives want to know not only what happened but why. A face, realistic or stylized, can become a conduit for explainability.
Imagine a treasury meeting where the AI treasurer presents cash forecasts, highlighting potential liquidity shortfalls two quarters out. The avatar explains that a pattern in supplier payments and foreign exchange exposures points to risk. When asked why the system recommends hedging euro-denominated receivables, the avatar cites real-time volatility metrics, historical correlations, stress tests, then executes the hedge instantly once approved.
Findings in the July Digital Financial Services Tracker® Series report, “AI Power: The Technology Transforming Accounts Receivable,” a PYMNTS Intelligence collaboration with FIS, revealed that AI is transforming AR from a reactive, transactional function into a proactive, relationship-centered discipline, all while becoming the software engine powering the next generation of smarter financial performance.
Of course, handing over the corporate wallet to an AI is fraught with risk. Treasury errors are unforgiving, and agentic AI systems must therefore be bound by strict governance.
Explainability is another cornerstone. Unlike traditional algorithms, which often operate as black boxes, avatars can narrate reasoning in real time. For treasury professionals, that matters. They don’t simply need answers; they need defensible justifications for auditors, regulators and boards. A system that can explain why it took — or refrained from taking — action becomes not just a tool but a partner.
Not all companies move at the same pace. Highly regulated sectors like banking and healthcare will likely adopt cautiously, layering AI avatars atop existing systems as decision-support tools rather than autonomous actors. Tech-forward firms, meanwhile, may experiment more aggressively, betting that early adoption of AI treasurers can deliver a competitive edge in capital efficiency.
The PYMNTS Intelligence report “Smart Spending: How AI Is Transforming Financial Decision Making” found that more than 8 in 10 CFOs at large companies are either already using AI or considering adopting it, while financial institutions like Bank of America are betting heavily on treasury data intelligence platforms, which promise real-time insights and predictive analytics.
By giving algorithms a face and a voice, companies can bridge the gap between machine precision and human comprehension. Done right, AI treasurers will not replace humans but extend them by enabling treasury teams to act with unprecedented agility in a world where every signal matters.
Source: https://www.pymnts.com/
