Above the Ledger - June 2025Why “boring” AI and smarter multi-entity finance are your growth secrets
Welcome back to Above the Ledger, your monthly guide to practical finance transformation. In our first issue, we tackled the AI scaling paradox — why so many pilots stall and what it takes to move from experimentation to impact. This month, we ’re turning our attention to the kind of AI that actually works in finance.
Spoiler: it ’s not the flashy, futuristic kind. It ’s the “boring ”kind — the systems that quietly reduce reconciliation time, eliminate manual work, and actually make your finance data useful. In a world obsessed with disruption, reliability is the real innovation.
We also dig into a hidden blocker to growth: manual multi-entity finance. If every new subsidiary adds complexity instead of capability, it ’s time to rethink your tools and processes. You'll find practical insights on how leading CFOs are doing just that.
Above the Ledger is here to cut through the noise and focus on what helps you lead better, scale smarter, and drive measurable outcomes. Let ’s get to it.
Konstantin Dzhengozov
CFO and Co-Founder, Payhawk
AI Office of the CFO
Why “boring ”AI is the best AI for finance leaders.
In finance, the best AI isn ’t the one that promises full autonomy—it ’s the one you can trust to deliver consistent, reliable results. Rather than chasing hype, smart finance teams are adopting AI tools focused on determinism, helping cut down the 85% of time spent on manual data work and freeing up time for real strategic
decisions.
This steady, predictable AI reduces errors, speeds up reconciliations, and improves data visibility (without the risks of unproven “smart ”automation). The future of finance AI is less flashy, more dependable, and designed to empower CFOs to drive growth with confidence.
Is multi-entity finance management holding back your growth?
While CFOs focus on external risks, the biggest threat often hides inside finance — manual multi-entity processes that waste up to 85% of your team ’s time on data work, not strategy. This hidden “tax ”grows with every new subsidiary, turning finance from a growth driver into a bottleneck.
Beyond delays and errors, it drains resources, traps talent, and slows decisions. Most CFOs miss it because legacy systems hide the problem. The solution? Measure the true cost, rethink your tools, and streamline processes to unlock real growth.
Get ready to streamline your card workflows, automate one-time purchases, and speed up approvals with our new Summer ‘25 edition of features. From ongoing AI automation to API-driven integrations, find out how Payhawk can give you back time for strategic work this summer.
Catch us at the World Finance Forum in London this September! We ’ll dive into key topics, including how AI can free up time for smarter decision-making. Stop by and mention this newsletter for an exclusive giveaway.