fino ai-agents

AI-supported automation for payment transactions and accounting

Intelligent. Safe. Forward-thinking.

Your financial management on autopilot

Day-to-day financial transactions are complex: checking invoices, obtaining approvals, coordinating payments – all while keeping an eye on liquidity, compliance and deadlines.

What used to be routine is now a daily struggle for many teams. Manual processes take time, systems are not integrated, and even small errors can have major consequences:

Increasing numbers of documents, growing auditing requirements and a shortage of skilled workers are adding to the pressure. Routine work can quickly become a bottleneck, jeopardising efficiency, planning reliability and ultimately margins.

OUR SOLUTION

fino ai-agents take care of all payment and accounting processes – fully automated, time-saving and audit-proof!

Time for a fresh start in financial management.

OVERVIEW OF FUNCTIONS

Supply security: Check invoices, validate IBANs, automate approvals.
Liquidity: Secure discounts, prioritise payments, forecast cash flow.
Security: Detect duplicates, prevent manipulation, secure international payments.
Traceability: Automatically document checks, approvals and transactions.

Securing supply chains 

Processes that partners trust

Supply chains are the backbone of economic stability – and they are only as secure as their payment processes. In industry and manufacturing in particular, even small errors in the payment process can lead to material shortages, delivery stoppages and costly downtime. Duplicate invoices, incorrect IBANs or delayed approvals have a major impact: material flows come to a standstill, trust crumbles and margins decline.

fino ai-agents create a new level of reliability here. They automate the entire procure-to-pay process – from invoice receipt to payment. Each document is automatically imported, compared with order and payment data, and checked for anomalies. Duplicates, price deviations, or manipulated account data are detected in real time, approvals are triggered according to stored rules, and each step is documented in an audit-proof manner.

This creates a supply chain that remains financially stable, even with high document volumes, international partners or seasonal utilisation. Automation not only ensures speed, but also trust – in every single payment run.

End-to-end automation in the procure-to-pay process
Real-time detection of incorrect amounts, duplicates and IBANs
Rule-based approvals & audit-proof documentation
On-time payments for stable supply chains
90% less manual effort in invoice approval

Liquidity management

Forecasts, deadlines and discounts under control

Liquidity determines your ability to act, grow and remain secure. In retail and wholesale, where margins are tight, purchasing goods ties up a lot of capital and seasonal fluctuations make planning even more difficult, a lack of transparency regarding cash flows, discount periods and due dates can quickly lead to bottlenecks, margin losses and limited planning capabilities. However, manual approvals and delayed reports slow down control – still commonplace in many companies.

fino ai-agents put an end to static processes. They consolidate cash flows, open items and due dates in a central dashboard and show cash flow in real time.
Discount periods are automatically taken into account, payments are prioritised and bottlenecks are identified before they arise.

The integrated predictive finance engine analyses historical data and uses it to calculate precise liquidity forecasts and scenarios. This transforms reactive controlling into forward-looking management – fast, data-driven and with maximum planning reliability.

Intelligent liquidity management that protects margins, frees up capital and puts strategic decisions on a solid data basis.

AI-supported payment security

Real-time control for every transaction

In a globally networked financial world, the demands on control and security are increasing. In the logistics and transport sector, characterised by international partners, volatile costs and time-critical processes, payment processes quickly become an operational risk – especially when different formats, currencies, fees and regulatory requirements come together. International payment flows often lose transparency and become susceptible to errors or manipulation.

fino ai-agents create a safety net across all countries and systems.
Every transaction is automatically checked – recipients, IBANs, amounts and purposes are validated, duplicates are detected and unusual patterns are identified. AI algorithms analyse data in real time and prevent fraud attempts before they cause damage.

Country-specific features such as thresholds, foreign currency fees and tax regulations are also automatically taken into account. This results in global, transparent payment management that combines security and efficiency – without any additional effort.

Automation thus becomes a guarantee of trust: in markets, partners and every single transaction.

Audit Ready

Every process seamlessly documented

Transparency, governance and traceability are no longer optional extras, but essential requirements. Regardless of whether external auditing obligations exist, companies of all sizes need clear, traceable documentation of their financial processes – especially where many payments, approvals and responsibilities converge. Nevertheless, audits, approvals and reconciliations still cost many organisations time and nerves.

With fino ai-agents, compliance becomes a breeze. Every step – from invoice to payment – is automatically documented and stored in the audit trail. Decisions, approvals and amounts can be traced seamlessly at any time.
Governance rules, ICS controls and approval limits are systematically integrated and automatically checked before a payment is made.

This creates an audit-proof environment that combines transparency and efficiency. Audits can be tracked in real time, and reports are available at the touch of a button – accurate, complete and GoBD-compliant.

Automated documentation reduces the workload on teams, minimises liability risks and builds trust – both internally and externally.

Complete, GoBD-compliant documentation
Audit-proof audit trails in real time
Automatic compliance with internal control systems (ICS)
Immediately available evidence for internal and external audits
Maximum transparency with minimum effort

Optimise accounting with fino ai-agents

More efficient. More secure. More transparent.

Increase in efficiency

Invoice verification, approval and payment take seconds instead of minutes – fully automated, accurate and reliable. With over 10 years of experience in data analysis, fino digital sets new standards in efficiency and process speed.

Cost optimisation

fino ai-agents take on recurring tasks, reduce personnel costs and compensate for a lack of capacity in accounting. This takes the pressure off teams and allows resources to be used more efficiently.

Real-time transparency

Intelligent dashboards provide a clear overview of liquidity, discounts, reminders and risks at all times. Decisions are based on real-time data rather than retrospective reports – for complete control and strategic management at all times.

Security intelligence

AI algorithms detect duplicates, IBAN manipulations and irregularities before payments are triggered. As a BaFin-licensed provider, fino digital guarantees the highest security standards – for data quality that market leaders rely on.

Compliance excellence

Every step of the process is automatically documented and stored in an audit-proof manner. Audit trails, governance rules and ICS controls run systematically in the background – for verified transparency and 100% compliance at the touch of a button.

System integration

fino ai-agents integrate seamlessly into existing ERP, DMS and banking systems. For the first time, departments are working on a shared platform – networked, transparent and industry-leading in terms of user-friendliness and data quality.