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Chasing invoices, keying in payables, checking expenses and controlling spend consume a finance team's week — while cash sits tied up and the real numbers lag a month behind. Our Finance Management AI takes it on. An Invoice Collection agent chases receivables, an Expense Verification agent checks every claim, an Accounts Payable agent processes invoices, and a Purchase Order agent controls spend — alongside reconciliation, cash-flow, reporting and compliance agents. They run the process at speed, and a human authorises every payment.
Enterprises, SMEs and fast-growing teams trust ZTS India
Finance rarely struggles on strategy — it struggles on the volume: chasing payments, processing payables, checking expenses, controlling spend, and closing the books. Click a panel to see the problem, how the agents fix it, and what changes.
Invoices go out and then sit. Overdue accounts pile up because chasing them is a manual, awkward job that never gets prioritised, and cash you’ve already earned stays locked in your receivables instead of in your bank.
Supplier invoices arrive in every format, get keyed in by hand, matched to POs manually, and chased for approval over email. It’s slow, error-prone, and the drudgery scales with the business until AP is permanently behind.
Expense claims get rubber-stamped because properly checking each one against policy — receipts, limits, duplicates, oddities — is tedious. So out-of-policy spend, mistakes and the occasional fraud slip through, and reimbursements still drag.
Without proper purchase-order control, spend happens off-process — no approval, no budget check, no matching invoice — so finance is left reconciling commitments it never approved and chasing paperwork after the money’s gone.
Cash position, spend and the real numbers live in spreadsheets that are always a step behind, so the finance manager is steering on last month’s data — and audits mean weeks of reassembling a trail that should have existed all along.
Eight agents, each taking on a real part of the finance function — and designed to work together as one team, within your controls. Deploy one, or run the full suite.
Chases every overdue invoice for you — with polite, professional, escalating reminders tailored to each customer, predictions of who’s likely to pay late, and disputes routed to a human. It accelerates cash collection while protecting the customer relationships behind the invoices.
Checks every employee expense claim against your policy — validating receipts, catching out-of-policy, duplicate or suspicious items, and flagging them for a human to decide — so legitimate expenses are reimbursed quickly and the questionable ones don’t slip through unseen.
Runs the AP grind end to end — capturing and extracting invoice data in any format, performing two- and three-way matching against POs and receipts, routing for approval and scheduling payment. It never releases a payment without human authorisation, and catches duplicate or incorrect invoices before they’re paid.
Brings spend under control before it happens — creating and managing purchase orders, enforcing approval and budget rules up front, and matching POs to invoices and receipts. It gives finance real spend visibility and stops maverick, off-process purchasing.
Keeps the books clean continuously — reconciling bank statements, ledgers and accounts, matching transactions, and flagging discrepancies for review — so reconciliation isn’t a month-end scramble and the numbers you report can be trusted.
Keeps a live view of your cash position and forecasts inflows and outflows from real AR and AP data — flagging potential shortfalls and risks early — so the finance manager sees what’s coming and can act, instead of being surprised.
Generates financial reports, dashboards and month-end close support from real data — on schedule or on demand, tailored to each audience — so reporting stops being a manual scramble and leadership always has current, consistent numbers.
Helps enforce your financial controls and segregation of duties, keeps a complete audit trail of every action, and flags compliance and tax concerns for review — so controls are applied consistently and audits are far less painful. It supports your controls; your finance team and auditors own sign-off.
More than a decade delivering measurable results for enterprises, SMEs and technology companies worldwide.
Three finance teams that ran the grind faster — and kept humans on the money.
Challenge: A manufacturer’s receivables kept climbing because chasing overdue invoices was manual and always deprioritised, tying up cash.
Solution: The Invoice Collection agent chased every overdue account professionally, predicted late payers, and routed disputes to the credit team.
Challenge: A retailer’s AP team keyed in thousands of supplier invoices a month, fell behind, and occasionally paid duplicates.
Solution: The AP and PO agents captured and matched invoices to orders, routed approvals, and scheduled payments for human authorisation — catching duplicates first.
Challenge: A services firm’s month-end close dragged for weeks — manual reconciliation, scattered data, and painful audit preparation.
Solution: The reconciliation, reporting and compliance agents kept the books current from real data and maintained a complete audit trail all month.
Get a free 30-minute assessment. We'll find where your finance function loses time and money, which agent to start with, and how we keep humans on every payment — no pitch.
Each agent owns a stage of the finance function — and they share the same data and controls, so the whole cycle runs as one.
Overdue invoices chased professionally, so earned cash comes in faster.
Every expense claim checked against policy, with anomalies flagged.
Invoices captured, matched and scheduled — paid only on authorisation.
Spend approved and budgeted up front, POs matched to invoices.
Bank, ledger and accounts reconciled continuously for a clean close.
A live cash position and forecast, with shortfalls flagged early.
Reports and dashboards from real data, on schedule or on demand.
Controls applied, audit trail kept, compliance concerns flagged.
A structured path from mapping your finance workflows to agents that run them at speed — within your controls, with humans authorising the money.
Map your finance workflows, systems, controls and approval rules, and where the manual load and risk sit.
Choose the agents to start with, define matching and approval logic, and where humans authorise and decide.
Integrate your accounting/ERP, AP/AR, expense, procurement and banking tools securely.
Configure each agent to your policies, controls and formats, with human-authorisation gates built in.
Add segregation of duties, authorisation controls, fraud flags, audit logging and data security.
Run on one process — say AP or collections — measure time saved, accuracy and control, and tune.
Extend across the finance function, with the autonomy and approval levels you set.
Track cash, accuracy, exceptions and cycle times, and refine the agents and controls over time.
Automating finance can't mean handing over the money or the controls. We build these agents so a human authorises every payment, your controls are preserved, and everything is auditable.
The agents prepare, match, schedule and recommend — but a person authorises every payment and every money movement. Automation runs the process at speed; a human always holds the release.
The agents work within your approval hierarchies and segregation-of-duties rules, not around them. Automating finance should strengthen your controls, never quietly bypass them.
When something looks wrong — a duplicate invoice, an out-of-policy expense, an odd payment — the agent surfaces it with the evidence for a human to decide. It raises the flag; your team makes the call.
Every action the agents take is logged with its source, reasoning and timestamp — so you always have a clear, defensible record of what happened and why, which is exactly what an audit needs.
The agents work from your real invoices, ledgers and transactions — they don’t invent numbers or plug gaps with guesses. What reaches your books and reports is grounded in actual data.
The agents support your controls, tax handling and audit readiness, but financial and tax rules vary by jurisdiction and change often. Your finance team and auditors own sign-off — we’re engineers, not accountants — and we build to be reviewed, with data secured throughout.
Book a free, no-obligation consultation. We'll map your finance workflows and controls, recommend where to start, and give you a costed plan — including how humans stay on every payment and how we keep it audit-ready.
Depth across agents, document AI, ERP integration, matching, controls, fraud detection and audit — the engineering that makes finance automation fast, accurate and safe.
Tool-using agents that capture, match, reconcile and recommend — and hand authorisation to humans reliably.
Accurately reading invoices, receipts and statements in any format into structured, matchable data.
Deep integration with QuickBooks, Xero, NetSuite, Sage, SAP and Dynamics, respecting your ledger.
Two- and three-way matching and transaction reconciliation that keep the books clean at scale.
Encoding approval hierarchies, spend limits and segregation of duties into the automation.
Surfacing duplicates, out-of-policy spend and suspicious activity for human review.
Turning real AR/AP data into a live cash position and reliable forecasts.
Encryption, access control, full audit trails and audit-ready record-keeping for financial data.
Automated, tailored reporting and close support built on current, consistent data.
A modern agent stack that plugs into the accounting, ERP, AP/AR, expense, procurement and banking tools you already run — so finance ops act on live, secure data.
From high-volume retail payables to project-based construction billing, the agents adapt to your finance processes, controls and compliance obligations.
Choose the model that fits your goals, your internal capacity and how far along you already are.
Best for: teams scoping it out. We map your finance workflows and controls, recommend where to start, and hand you a plan.
Get a finance automation assessment →Best for: teams who want it built and running. We design, build, integrate, safeguard and deploy the agents end to end.
Discuss end-to-end delivery →Best for: an ongoing roadmap. Embedded engineers rolling out and refining your finance agents as you grow.
Build my team →Finance agents are one way we put AI to work. Explore our wider AI capabilities.
A full suite of AI agents across the employee lifecycle.
Qualify, follow up, propose and log across your funnel.
Coordinate, assign, stand-up and plan your projects.
Automate the workflows and processes RPA cannot handle.
Connect AI to your ERP, banking and finance tools.
Build the clean data foundation your finance AI needs.
A partner that automates the finance grind — fast and accurately — while keeping humans on the money, your controls intact, and everything audit-ready.
The agents run the finance grind at speed, but a person authorises every payment and money movement. You get the efficiency without ever handing over control of your cash.
Built to work within your approval hierarchies and segregation of duties, with a complete audit trail — so automating finance makes your controls tighter, not looser.
Collections accelerate receivables, PO and AP control tighten payables, and cash-flow monitoring means fewer surprises — real working-capital impact.
Begin where the pain is worst — often collections or AP — and add the rest. Each agent stands alone and they combine into a full finance team.
15+ years connecting enterprise systems. The agents work inside your accounting, ERP, banking and expense tools, on live data.
Financial data is sensitive and audits are unforgiving. Encryption, access control and audit-ready trails are built in from the start.
Tell us where your finance function loses time and where cash gets stuck. We'll come back with an honest view of what the agents can take on, how humans stay on the money, and a transparent estimate — free.
It’s a set of AI agents that take on the repetitive, high-volume work of a finance function. This suite includes an Invoice Collection agent that chases receivables, an Expense Verification agent that checks claims against policy, an Accounts Payable agent that processes and matches supplier invoices, and a Purchase Order agent that controls spend — plus Reconciliation, Cash Flow Monitoring, Financial Reporting, and Compliance & Audit agents. Together they cover the finance workflow — collect, verify, pay, purchase, reconcile, forecast, report and control — running the grind at speed while your team keeps authority over money and decisions.
No — this is the most important safeguard, and it’s absolute. The agents capture, match, schedule and recommend, but a person authorises every payment and every money movement. Automation runs the process quickly and accurately; a human always holds the release. You decide the authorisation rules, and the agent operates strictly within them.
Either. The agents are modular — start where the pain is sharpest (many finance teams begin with Accounts Payable or Invoice Collection) and add the rest over time. Each delivers value alone, and they get stronger together because they share the same data and controls across the finance function.
It’s designed to protect them. Reminders are professional, personalised and appropriately escalating rather than aggressive, and genuine disputes or sensitive accounts are routed to a human rather than chased automatically. The goal is to get paid faster while keeping the relationship intact — persistent and courteous, not heavy-handed.
The agents work within your approval hierarchies and segregation-of-duties rules rather than around them, and every action is logged with its source, reasoning and timestamp to form a complete audit trail. Automating finance this way should tighten your controls and make audits easier, not weaken oversight. That said, your finance team and auditors own control design and sign-off.
The Expense Verification and Accounts Payable agents check claims and invoices against policy and against POs and receipts, and flag duplicates, out-of-policy items, unusual amounts and suspicious patterns for a human to review. It surfaces the risk with the evidence; a person decides. It’s a far more consistent check than manual spot-review, but the judgement stays human.
It’s built to support your compliance — applying your controls, keeping tax-relevant records and maintaining an audit trail. But financial, tax and regulatory rules vary by jurisdiction and change often, so we configure to where you operate and recommend your accountants and auditors review the setup. We’re software engineers, not accountants or tax advisers, and we build the system to be reviewed and signed off by the professionals who are.
We integrate with accounting and ERP platforms like QuickBooks, Xero, NetSuite, Sage, SAP and Microsoft Dynamics, AP/AR and payment tools like Bill.com, Tipalti and Stripe, expense tools like Expensify, Concur, Ramp and Brex, procurement tools like Coupa and Procurify, and banking connections — plus document-AI for reading invoices and receipts. In-house or custom systems integrate via their API.
No — it removes the manual processing, not the finance function. Chasing invoices, keying in payables, checking expenses and reconciling accounts consume most of a finance team’s time; the agents take that on so your people focus on analysis, judgement, relationships and decisions. It doesn’t replace your accountant, controller or auditor — it gives them cleaner data, tighter controls and time back.
A single agent for a defined process can typically pilot in a few weeks; the fuller suite takes longer to integrate and control. We usually start fixed-scope with one or two agents so you see the value quickly, then expand — per agent or as a dedicated team for the full roadmap. Cost depends on the agents, volumes and integrations. The initial assessment call is free.
