Treasury is turning into a real-time control system—and AI is accelerating the shift. In a new piece, Zack Anderson, Chief Data and Analytics Officer, Payments and Global Banking, J.P. Morgan, argues the future of corporate cash management won’t be defined by a chatbot or a better dashboard, but by an end-to-end operating loop that can sense, predict, decide, execute, and audit in near real time. Click here to read the article.

As payments and cash decisions speed up, the opportunity is straightforward: faster visibility, better forecasting, and more efficient working capital. The challenge is just as clear: autonomy only scales safely when it’s policy-bounded, explainable, and provably auditable, especially as fraud tactics evolve and more workflows depend on shared vendors, models, and APIs.

Key takeaways

• Treasury is becoming “real-time operations,” not month-end reporting.
• The biggest unlock is connected, high-quality data - not AI polish.
• Autonomy is coming, but it must operate within clear policy guardrails.
• Auditability is the product: every action needs a clear, end-to-end “paper trail” of what happened and why.
• Shared automation introduces new systemic risk resilience - and accountability must keep pace.
• For treasury teams, the job shifts from processing to oversight and strategy – the future of agentic treasury.

Dig deeper

• Read four takeaways on AI’s next phase in payments from a New York Tech Week fireside chat with Anderson and Bloomberg’s Paige Smith here.
• Check out how we’re applying AI and robotics to our lockbox operations in FinAi News and Payments Dive.
• Explore insights from Michael Lozanoff, Global Head of Merchant Services at J.P. Morgan Payments, on governance, identity, consent and risk management around agentic commerce in Tearsheet.