As agentic AI moves quickly inside institutional banking, treasury management is shaping up to be one its most compelling applications. 

Corporate treasury has long been a patchwork of fragmented systems, manual reconciliation and static forecasts – precisely the conditions that autonomous AI agents are built to fix, according to consultancy Deloitte’s May 20 report.

As the technology matures, banks are deploying AI systems capable of monitoring cash positions, projecting liquidity needs and executing routine treasury workflows without human intervention, James Delbridge, head of commercial banking and treasury at Deloitte, told FinAi News. 

 He said that sector has the right conditions for early-stage agentic deployment. 

“Treasury is probably a good early test case because it’s repeatable, it’s easy to measure, clients are already paying for those services in some way, shape or form,” Delbridge said. 

“There’s a good portion of what the banks offer to their clients that is very manual today — and I see those being identified very quickly.” 

Agentic AI treasury management tools can help save finance departments hours by automating reconciliation, cash flow and liquidity analysis and data insights, which are, in many cases, manual processes today, he said. 

FIs make a move 

Nearly 10% of banks and large corporations already have deployed agentic treasury capabilities and nearly 50% are using some form of automation, Zack Anderson, chief data and analytics officer for global banking and payments at J.P. Morgan Payments, said at J.P. Morgan Payments TechNYC on June 2. 

And J.P. Morgan Payments is among the furthest along in using AI for treasury management, he said. 

The $3.6 trillion bank’s Cash Flow Intelligence platform, for example, offers an advanced analytics workbench and AI-powered forecasting capabilities to provide corporate treasury clients with financial visibility and liquidity optimization, Anderson said, adding that the bank sees nearly $13 trillion move each day and understands customers’ pain points. 

Agentic treasury is really for treasurers and CFOs, Anderson said, adding that AI can help treasurers anticipate stress and manage liquidity. 

FIs that have deployed AI-driven treasury tools include: 

• Bank of America; 

• Grasshopper; 

• Citi; 

• BNY; and 

• HSBC. 

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