AI-Driven Innovations in Lockbox and Treasury Operations: Transforming Financial Efficiency |
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| © 2025 by IJCTT Journal | ||
| Volume-73 Issue-4 |
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| Year of Publication : 2025 | ||
| Authors : Prasanna Kumar Kandregula | ||
| DOI : 10.14445/22312803/IJCTT-V73I4P106 | ||
How to Cite?
Prasanna Kumar Kandregula , "AI-Driven Innovations in Lockbox and Treasury Operations: Transforming Financial Efficiency," International Journal of Computer Trends and Technology, vol. 73, no. 4, pp. 42-47, 2025. Crossref, https://doi.org/10.14445/22312803/IJCTT-V73I4P106
Abstract
The emergence of Artificial Intelligence (AI) is transforming lockbox and treasury operations, improving financial efficiency, accuracy, and security. Traditional treasury management processes often struggle with manual processing, reconciliation delays, and fraud. In fact, AI-powered innovations such as intelligent automation, machine learning, predictive analytics, and natural language processing are revolutionizing these functions by enabling the automation of payment processing, improving cash flow forecasting, and reducing fraud detection mechanisms. This paper discusses how AI-based solutions can help process data in real time, facilitate better decision-making using advanced analytics, and lower operational costs for financial institutions and corporate treasury organizations. AI enables organizations to optimize working capital management, enhance liquidity visibility, and support strategic financial planning. Lockbox with AI starts processing payment within hours, thereby reducing small batches of payment, minimizing or eliminating errors, and providing insight through an automated extraction and classification of the data. The future of treasury operations will be characterized by enhanced efficiency, agility, and security as financial institutions and businesses more widely embrace AI-driven solutions. This research, in its nature, provides a state-of-the-art overview of the most critical AI use cases, bottlenecks, and opportunities in lockbox and treasury operations, serving as a roadmap for organizations looking to remain competitive in a changing financial landscape.
Keywords
AI-driven treasury, Lockbox automation, Financial efficiency, Cash flow optimization, Predictive analytics, Fraud detection.
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