American Express Global Business Travel (Amex GBT) has launched a new solution to manage travel and expenses for non-employees. The platform, known as the Guest T&E, aims to provide an efficient and organized solution for guest travel and reimbursement. The platform allows travelers to build their own travel profile and self-manage bookings through Amex GBT’s business travel marketplace. It also simplifies payment and budget management by allowing companies to create virtual cards based on predefined budgets. The platform features AI-based tools for receipt scanning and intelligent expense justification, automating the data inputting process and facilitating quicker expense approvals. It empowers managers and event coordinators by allowing them to create travel events, send guest invites, generate travel rules, and monitor real-time expense activity from within the portal. The platform is focused on experience, efficiency, and first impressions, ensuring both travelers and organizers benefit from a polished, secure, and efficient experience. 24/7 travel support is built into the platform, providing a safety net for those new to business travel or unfamiliar surroundings. Currently available on Amex GBT’s Neo and Egencia platforms, the platform is part of Amex GBT’s broader strategy to digitize and modernize the business travel experience. As customer demands and additional features are added, the platform may be expanded internationally. As non-employees continue to make up a larger share of the workforce, Amex GBT’s Guest T&E platform addresses this issue with an easy-to-use interface and enterprise level control and automation. The platform highlights Amex GBT’s focus on innovation, streamlining, and user happiness, offering a professional travel experience for every guest without the headache and risk of full compliance costs.
Paychex’s financial management solution for SMBs empowers them to manage their people and payments in one seamless experience by integrating payroll, HR, and accounts payable and offering access to real-time dashboards to monitor payables and cashflow
Paychex announced a new financial management solution for accounts payable provided by BILL, an intelligent financial operations platform for SMBs. Launching through Paychex Flex®, Bill Pay, Powered by BILL, integrates payroll, HR, and accounts payable and empowers SMBs to manage their people and payments in one seamless experience. Bill Pay, Powered by BILL, streamlines accounts payable by eliminating manual data entry, providing access to real-time dashboards to monitor payables and cashflow, and centralizing vendor data and payments. This increased efficiency and visibility can help businesses save time and ultimately improve the bottom line. Bill Pay, Powered by BILL, will enable businesses to: Automate bill payments with flexible payment options—offering multiple ways to fund and send payments to save time, money, and resources, all through Paychex Flex; Access BILL’s network of more than eight million businesses to easily find and pay vendors; Get real-time insights into payment status.
Ramp’s AI agents for controllers apply context-aware, human-like reasoning to manage entire workflows independently and automatically enforce company expense policies at scale, eliminate unauthorized spending, and prevent fraud
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.
Billtrust’s AI-driven Collections solution combines credit and collections in a single workflow enabling ongoing credit monitoring and management and letting teams adjust limits, block or unblock customers, and launch new applications from a centralized dashboard
Billtrust announced new innovations in its Collections solution, delivering a new standard for AR teams by unifying advanced automation, AI-driven insights, and seamless agentic AI workflows: Agentic Email: AI-Powered Inbox Automation for Collections. Agentic Email revolutionizes how collections teams manage email volume and complex workflows by leveraging AI for advanced task recognition and intelligent response generation. Purpose-built for accounts receivable, AI agents instantly recognize key tasks and bring all relevant data and documents to inform their response. Collectors can resolve emails 10x faster by slashing manual effort and eliminating the need to dig through lengthy email threads, ensuring customers receive timely communication and swift resolution. Cases: End-to-End Dispute Management, Fully Integrated: Cases transforms dispute resolution from a fragmented, manual process into a streamlined, transparent workflow. Disputes raised through eInvoice Connect, its billing and payments portal, flow directly into the Collections platform, where they are automatically tracked, paused from dunning workflows, and managed in a centralized portal. This ensures full visibility, reduces errors, and accelerates resolution times, helping teams protect customer relationships while improving cash flow and compliance. Credit Review: Intelligent, Ongoing Credit Risk Management: Credit Review brings credit and collections together in one intelligent workflow. Unlike traditional systems that only assess new credit applications, Billtrust enables ongoing credit monitoring and management. Teams can adjust limits, block or unblock customers, and launch new applications—all from a centralized dashboard. AI-powered triggers and scheduled reviews ensure timely interventions, reducing bad debt and supporting strategic growth. Collections Analytics: Real-Time Insights to Optimize Performance: Collections Analytics empowers finance teams with real-time visibility into collections performance. With industry-standard KPIs like the Collections Effectiveness Index (CEI) and automated anomaly detection via Billtrust Autopilot, teams can proactively identify bottlenecks, benchmark performance, and mitigate risk. Custom dashboards and detailed reporting enable data-driven decision-making, helping organizations continuously improve collections strategies and outcomes.
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.