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How AI is reshaping finance and business strategy.

Welcome back to Above the Ledger, your guide to navigating the evolving landscape of modern finance and business leadership.

 

This issue explores how AI is reshaping finance and business strategy. We examine how finance leaders are moving beyond proof-of-concept experiments to embed intelligent agents in workflows that deliver measurable impact on cash flow, compliance, and productivity. In addition, we shift perspective to founders: how AI is forcing companies to rethink strategy, products, and organizational design to stay competitive in a rapidly evolving landscape.

 

Together, these insights show how leaders can bridge ambition and execution—leveraging technology not for novelty, but to achieve clarity, operational discipline, and tangible results.

Konstantin Dzhengozov

CFO and Co-Founder, Payhawk

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AI Office of the CFO

From Pilot Paralysis to Profit

Finance teams are finally cracking the AI paradox. Many organizations talk about AI, but few move beyond experiments. In this issue, we explore how intelligent agents are being embedded into workflows that deliver measurable impact on cash, compliance, and productivity. Learn why operational discipline, governance, and closed-loop processes matter far more than chasing the latest model.

Thought leadership corner

Building AI-Native Advantage

AI is more than a tool—it’s a strategic catalyst reshaping companies from the inside out. Founders face a stark choice: adapt or risk irrelevance. This article shows how to rethink strategy, transform products, and redesign organizational processes to create sustainable AI-native advantages that survive the “prompt era” and deliver long-term competitive impact.

Top industry insights

1.

Why 95% of AI Projects Fail (And How to Fix It Before It’s Too Late)

Most AI pilots never make it past the testing phase—but it’s not the algorithms that are failing. The real culprit? Bad data. Discover why unreliable pipelines and messy production data are sinking enterprise AI initiatives—and what leaders can do to build a strong foundation for success.

 

Learn more

2.

Why Bank-Issued Corporate Cards Keep Finance Teams Reactive — and What’s Changing

Bank-issued cards give you credit and perks, but they also leave finance teams chasing data and reacting after the fact. Discover how card-agnostic spend management and Payhawk Link & Control deliver real-time visibility, proactive spend control, and automation — without giving up your bank relationships.

 

Read the full article

3.

Legacy Expense Tools Digitized Reporting — But Left Finance Reactive

Expense management software made reporting neater, but it didn’t give finance teams real-time control. Payhawk Link & Control modernizes spend management by providing real-time visibility, automated approvals, and proactive card controls — all on the corporate cards you already use.

 

Read the full article

CFO spotlight

Simplify Your Finance Workflow Like Workable

Workable cut month-end closing from nine days to six by switching to Payhawk — replacing Spendesk and Expensify with a single platform for corporate cards, expenses, and AI-powered bookkeeping. With real-time NetSuite integration, embedded expense policies, and faster reconciliations, managing spend has never been easier.

Payhawk solutions spotlight

Introducing Payhawk Link & Control

The first solution on the market that allows you to connect all your bank-issued corporate cards into one platform and get real-time spend visibility and proactive spend control. Keep your cards, your rewards and gain total control over company spend.

Upcoming events

Payhawk Link & Control Product Showcase

72% of US finance leaders would switch card providers for better control — but 84% can’t risk losing their bank relationships. With Payhawk Link & Control, you don’t have to choose. Get real-time visibility, proactive spend controls, and AI-powered automation — all while keeping your existing corporate cards.

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How AI is reshaping finance and business strategy. | Payhawk