Ramp announced its first AI agents, agents for controllers, to automatically enforce company expense policies, eliminate unauthorized spending, and prevent fraud. Ramp’s agents for controllers eliminated redundant tasks, working autonomously to review expenses and enforce policy. Ramp’s agents for controllers apply context-aware, human-like reasoning to manage entire workflows independently and proactively. Unlike traditional automation that relies on basic rules and conditional logic, these agents reason and act on behalf of the finance team, working independently to enforce spend policies at scale, immediately prevent violations, and continuously improve company spending guidelines. Ramp agents are meticulous, auditable, and consistent, escalating issues when needed and providing a clear audit trail for every decision. Early customers reported 99% accuracy in expense approvals. Ramp agents are powered by Ramp Intelligence, Ramp’s AI platform that automates expense reporting, data entry, contract review, and accounting accuracy. Agents learn and adapt directly from company policies and feedback from users to: Approve low-risk expenses or provide a recommendation with rationale to the approver; Alert of suspicious receipts and invoices; Answer employee questions about spend policy; Uncover trends that signal fraud or careless spend; and Suggest edits to company expense policies based on usage and feedback
B2B firms are betting on Time-to-Cash as a key lever to manage volatility by expanding focus beyond days sales outstanding (DSO) to revenue realization, disbursement strategy, working capital optimization and the underlying technology stack
While some businesses are implicitly embracing the TACO (the acronym being used for “Trump always chickens out”) trade and counting on the administration ultimately backing down, the most forward thinking B2B firms are betting on time to cash mastery by treating liquidity not just as a financial metric but as a dynamic business asset. Time to cash (T2C) is a strategic framework that reimagines how enterprises manage the end-to-end flow of money — from invoice issuance to final reconciliation in the bank account. More than a narrow look at days sales outstanding (DSO), T2C spans revenue realization, disbursement strategy, working capital optimization and the underlying technology stack that enables it all. Companies that can both accelerate inflows and intelligently manage outflows may be able to enjoy a material advantage in volatility by reinvesting faster, borrowing less and pivoting with precision. Time to cash now encompasses lead qualification, contracting, fulfillment, invoicing, collections and even embedded finance. The sales-to-cash cycle remains an operational blind spot in many organizations. But finance teams are beginning to assert more control by partnering with sales, credit and collections to streamline invoicing, reduce disputes and better segment customers by risk profile. Intelligent accounts receivable (AR) systems can tailor outreach based on customer behavior, apply payments at the invoice level and trigger dynamic collections workflows. When orchestrated well, revenue realization becomes a repeatable engine. What distinguishes high-performing firms is a cash-first culture. One that embeds liquidity awareness into daily operations across sales, procurement and operations.
Deutsche Bank goes live with Swift’s new API-driven Instant Cash Reporting (ICR) tool that delivers corporates immediate, on-demand access to real-time account and balance information with a single, standardised connection using the ISO 20022 data model
Deutsche Bank has gone live with Swift’s new API-driven Instant Cash Reporting (ICR) tool for accessing real-time account and balance information with a single, standardised connection. As part of Deutsche Bank’s expanding API capabilities, ICR delivers immediate, on-demand financial data access to corporate clients through the Swift infrastructure. Spain-based energy firm Iberdrola is first client to implement ICR in its treasury. Through ICR the bank’s clients can collect real-time account and balance data via a single access point using the ISO 20022 data model and secure JSON format. Swift acts as the central connector, routing API pull requests from corporates to Deutsche Bank. eutsche Bank responds with standardised account data in JSON format, tailored to the corporate’s selected accounts or full account set, based on the associated Swift BIC. Johnny Grimes, head, corporate ash product, Deutsche Bank, says: “ICR addresses the key demand of corporates for multi bank solutions and consistent standards in the API space to simplify adoption.” ICR is currently accessible to Swift-connected corporates and financial institutions. Deutsche Bank says it welcomes other banks and corporates joining initiative to support scaling up the usage of multi-bank API solutions.
Okoora’s partnership with DashDevs enables embedding real-time exposure monitoring, automated hedging, pay-in/pay-out services, and liquidity routing directly into fintechs’ transactional flows for managing FX risk at scale
Okoora announced a strategic partnership with DashDevs to streamline the delivery of embedded foreign exchange (FX) functionality in digital financial products. The partnership brings together Okoora’s FX360 engine, an AI-powered infrastructure layer for real-time FX risk management, liquidity routing, and cross-border execution with DashDevs’ end-to-end fintech product development expertise. Together, they offer fintechs a faster, smarter path to launching globally scalable products with built-in currency risk protection. This collaboration addresses a growing pain point for fintech startups and financial platforms of how to efficiently manage currency risk and cross-border payments at scale. Most either default to rigid bank rails, attempt costly internal builds, or delay implementation until FX becomes a business problem. DashDevs will integrate Okoora’s FX360 modules directly into the fintech platforms it designs and builds for clients. Using Okoora’s robust APIs, DashDevs’ teams can embed real-time exposure monitoring, automated hedging, pay-in/pay-out services, and liquidity routing directly into transactional flows thereby removing the need for fintechs to build or maintain complex treasury infrastructure in-house. This joint approach eliminates this dilemma by delivering: Real-time FX intelligence natively integrated into core platforms, Automated rate optimization and liquidity routing as a background process, Full compliance and scalability, with no added operational burden
Ramp’s corporate cards for expense management integrate with leading accounting platforms, feature advanced fraud detection tools and enable setting customizable spending controls by employee or department and instant issuance of virtual and physical cards
Ramp has announced the official launch of its upgraded corporate cards for expense management. This new solution is designed to transform how businesses manage expenses, offering real-time visibility, tighter financial controls, and simplified reconciliation processes. With the launch of its corporate cards for expense management, Ramp is addressing the growing need for businesses to eliminate outdated manual expense workflows. The enhanced offering integrates with leading accounting platforms and equips finance teams with tools to reduce fraud risk, enforce spending policies, and enable accurate financial forecasting. Key features of the new corporate cards for expense management include customizable spending controls by employee or department, instant issuance of virtual and physical cards, and advanced fraud detection tools. Businesses can assign dedicated virtual cards for vendor subscriptions, improving vendor management and reducing the risk of unauthorized charges. As global teams and remote workforces expand, Ramp’s expense management solution ensures seamless financial oversight across geographies and departments. Audit trails are automatically maintained, providing businesses with ready access to clean, transparent transaction histories for compliance.
Modern Treasury’s AI agent for enterprise payment operations only takes action when it’s approved to do so, doesn’t let third-party model providers train on company data, is auditable by design and delivers verifiable results
Modern Treasury, the payment operations platform for businesses, introduced Modern Treasury AI to deliver the first AI Platform purpose-built for the unique demands of enterprise payments. Built on the company’s Payment Ops infrastructure, Modern Treasury AI blends a context-aware agent with a powerful, real-time workspace. Together, they set a new standard in how businesses manage payment operations, transitioning from manual, reactive processes to proactive, intelligent workflows. The AI Agent is the first enterprise-grade Agent that understands payments, is auditable by design and delivers verifiable, rapid results built on existing connectivity and a deep understanding of how enterprise payment systems and workflows work. When combined with the Workspace, a canvas for payment teams and the AI Agent to operate in, they create a new model for how companies manage payment workflows, streamlining operations from insight to execution to issue resolution. Key features include: AI That Respects Rules and Roles: The AI Agent only takes action when it’s approved to do so and will never let third-party model providers train on your data. Purpose-Built Intelligence; and Seamless Execution.
Fintech factiiv’s platform for SMBs provides them tools to report positive and negative trade experiences, share credibility reports with vendors, partners, and customers; access risk assessment reports when extending credit and connect with a community of data providers
Fintech factiiv, has officially launched the first B2B credibility-building platform designed exclusively for small businesses. This transformative solution puts the power of credit and trade reporting directly into the hands of entrepreneurs, giving them tools to: Report positive and negative trade experiences; Share credibility reports with vendors, partners, and customers; Access factiiv reports to better evaluate risk when extending credit; Participate in a community of data providers to create a transparent trade ecosystem. In the coming months, factiiv will roll out a revolutionary service enabling small businesses to become data providers. This will allow members to access real-time reports on customers and vendors—reporting both positive and delinquent accounts to help create a more honest, transparent trade economy. Furthermore, the company plans to integrate AI-powered sales and customer support tools to enhance user experience and data integrity. These smart features will help businesses make faster, smarter decisions about who they choose to work with—and how they choose to grow. By combining AI with its existing infrastructure, factiiv is not only helping users mitigate risk but also assisting them in building a stronger foundation for long-term success.
BuyerTwin creates AI interactive “twins” of ideal buyer personas, providing businesses with direct, unfiltered feedback on their marketing, sales, and product strategies
BuyerTwin launched its groundbreaking AI-powered platform that creates interactive “twins” of ideal buyer personas, providing businesses with direct, unfiltered feedback on their marketing, sales, and product strategies. The platform allows teams to test messaging, content, website usability, and more, receiving instant, honest insights as if talking directly to their target audience. BuyerTwin leverages advanced AI and data from its proprietary TwinForce network—which recruits real buyers—to build highly accurate virtual personas. Users can interact with these AI twins in real-time to understand customer perspectives deeply. Key capabilities include: Website Feedback: Instantly see how site copy, design, and navigation feel from the buyer’s perspective; Content Insight: Understand which topics, formats, and messaging angles genuinely capture buyer attention and address their needs; Channel Behavior Analysis: Discover where ideal buyers actually spend their time and how they prefer to engage; Positioning & Messaging Tests: Refine value propositions and eliminate confusing jargon to ensure clarity; Sales Approach Validation: Get direct feedback on sales messaging and identify what buyers need to feel confident; Competitor Analysis: Understand how buyers perceive competitor offerings and positioning; Keyword Discovery: Uncover the authentic language and search terms buyers use.
BuyerTwin creates AI interactive “twins” of ideal buyer personas, providing businesses with direct, unfiltered feedback on their marketing, sales, and product strategies
BuyerTwin launched its groundbreaking AI-powered platform that creates interactive “twins” of ideal buyer personas, providing businesses with direct, unfiltered feedback on their marketing, sales, and product strategies. The platform allows teams to test messaging, content, website usability, and more, receiving instant, honest insights as if talking directly to their target audience. BuyerTwin leverages advanced AI and data from its proprietary TwinForce network—which recruits real buyers—to build highly accurate virtual personas. Users can interact with these AI twins in real-time to understand customer perspectives deeply. Key capabilities include: Website Feedback: Instantly see how site copy, design, and navigation feel from the buyer’s perspective; Content Insight: Understand which topics, formats, and messaging angles genuinely capture buyer attention and address their needs; Channel Behavior Analysis: Discover where ideal buyers actually spend their time and how they prefer to engage; Positioning & Messaging Tests: Refine value propositions and eliminate confusing jargon to ensure clarity; Sales Approach Validation: Get direct feedback on sales messaging and identify what buyers need to feel confident; Competitor Analysis: Understand how buyers perceive competitor offerings and positioning; Keyword Discovery: Uncover the authentic language and search terms buyers use.
Bottomline Paymode is a new in-app self-enrollment service for supplier payments providing enhanced remittance data and helping automate more reconciliation tasks for suppliers, earning rebates on payments they already make
Bottomline, a global leader in business payments, has introduced Paymode for Digital Banking, a new in-app self-enrollment service for supplier payments. This feature is embedded into Bottomline’s commercial Digital Banking solution, allowing bank clients to offer Paymode to their business customers in a single platform. The solution aims to digitize more payments for corporates and generate more sustainable non-interest income for banks. The Digital Banking solution, used by over 440,000 businesses, and Paymode and its network of over 550,000 vendors, provide the scale to transform how businesses pay and get paid. The solution simplifies business payments, automates reconciliation tasks, and enables payers to earn rebates on payments they already make.