AUTONOMOUS FINANCE
Cash and Treasury Assistant
Optimize and control liquidity with intelligent positioning, forecasting, and bank insights to prevent risk and fund operations.
default
{}
default
{}
primary
default
{}
secondary
Overview
The Cash and Treasury Assistant monitors internal funding positions and needs to reduce external financing costs, suggests opportunities to streamline bank wallet share and fees, and proposes cash transfers among bank accounts. The resulting improved interest yield and reduced financing cost helps treasury departments support growth initiatives.
Tasks this assistant can help with:
Cash positioning
- Scanning cash positions to surface risks
- Avoiding operational disruptions
Transparent cash insight
- Classifying free vs. non-free cash flow
- Reducing manual classification
Bank relationship
- Giving visibility into liquidity, credit, and costs
Predictive forecasting
- Predicting cash flow timing
- Improving liquidity decisions
Cash forecasting
- Projecting cash positions
- Flagging shortfalls and funding needs
Example use cases for this assistant:
- Real-time liquidity monitoring across global entities and banks
- Early detection of funding gaps and concentration risks
- Automated cash flow forecasting
- Optimization of idle cash and capital allocation
- Streamlining of bank relationship and cost management
- Investment and borrowing decision support with projected positions
- Automating cash consolidation
- Acceleration of response to liquidity shortfalls
Benefits
Liquidity visibility
Get an instant, unified view of cash across all entities, banks, and currencies with automated consolidation.
Proactive risk detection
Flag overdrafts, funding gaps, and concentration risks before they disrupt operations.
Intelligent forecasts
Predict cash flow timing based on actual payment behavior.
Smarter capital allocation
Surface idle cash and propose transfers to maximize returns.
Full bank relationship control
Get visibility into credit, costs, and dependencies across banking partners.
Agents used by this assistant
Use the Cash Management Assistant to orchestrate specialized AI agents, including Joule Agents that apply SAP’s process expertise or custom agents you create.
Cash Positioning Agent
Scans positions continuously to flag concentration risk, prevent overdrafts, and surface idle cash.
Bank Relationship Agent
Gives full visibility across banking partners to optimize relationships, cut costs, and manage risk.
Treasury Financing Agent
Provides visibility and control over treasury financing positions and funding needs.
Explore more financial management assistants
default
{}
Accounts Payable Assistant
Resolve payment exceptions, reconcile vendors, and turn AP into a self-optimizing capability.
default
{}
link
default
{}
link
default
{}
Accounts Receivable Assistant
Prepare collection calls, automate dispute resolution, and provide a 360-degree customer view to collect cash faster.
default
{}
link
default
{}
link
default
{}
Financial Closing Assistant
Optimize financial closing with intelligent automation that simplifies execution and scales close operations.
default
{}
link
default
{}
link
Move your cash and treasury forward
Request a demo
Learn more and get a closer look at how intelligent systems can carry out work across your enterprise.
Explore Autonomous Finance
See how integrated AI across your finance solutions drives business value and operational excellence—with Joule at the center.