From bank connectivity to AI: main takeaways from ATEL Tech Day
On 13 November 2025 treasury and finance professionals gathered at the European Convention Center for this year’s ATEL Tech Day. The goal was to explore how technology is reshaping corporate treasury in Luxembourg and beyond.
The event’s programme highlighted innovation and digital transformation, featuring sessions on automation, real-time payments, APIs, and data-driven decision-making. Our Co-Founder and CSO, Jonathan Prince, joined the panel on “Automation and AI for Treasury Operations” and shared his first-hand insights from the treasury automation initiatives we have supported, illustrating, among other things, how clients are streamlining their operations with Finologee’s Bank Connectivity Suite (LYNKS).
Automation is not just AI
When asked about upcoming impacts on bank connectivity, Jonathan mentioned that the answer is twofold, with one side of it being what modern connectivity per se will change, while the second aspect is what AI will allow finance teams to build on top of it. When reduced to its essential meaning, automation is “having a rulebook” and bank connectivity platforms, such as Finologee’s, provide exactly that, not only for banks but for corporates too, as the LYNKS implementation by cash management and security giant, Brink’s, exemplifies.
Once you have a central data hub for your financial processes, you can easily introduce automation across three core focus areas:
1) Liquidity management and automatic cash pooling/sweeping
Liquidity inefficiencies can leave teams with idle cash that requires constant manual oversight. Finologee’s banks and accounts management platform solves this by automating cash movements through customisable smart rules that sweep excess balances, maintain thresholds and trigger transfers based on defined goals, ensuring continuous liquidity optimisation and reducing unnecessary costs.
2) Smarter payment workflows
Manual payment approvals, reconciliations and reporting introduce friction, risk and long processing times, especially when policies are applied manually. Finologee’s platform automates payment workflows with configurable rules based on thresholds, compliance requirements and data checks, executing compliant transactions automatically while flagging exceptions and logging every action in a clear audit trail. Tailored reports for both cash and securities can then be generated in seconds, giving finance teams fast, consolidated insights for better oversight and decision-making.
3) Automated KYC screenings
Compliance is one of the most resource-intensive parts of payments and treasury, but with Finologee’s platform, new counterparties are instantly screened against blacklists, sanction lists and adverse media so risk levels are defined and up to date before any transaction takes place. The platform can also be integrated with Finologee’s digital KYC/AML tool (KYC Manager) to automatically transfer counterparty profiles between platforms, eliminating duplicate work and redundant onboardings.
Bank connectivity to AI: 3 upcoming trends
In regards to what is soon to come, Jonathan mentioned that he sees three main trends arising in the niche of AI for finance:
- Conversational and agentic AI: in practical terms, this would mean AI assistants within bank connectivity, ERP or TMS systems, that users could turn to for quick insights by just typing questions in a chat, e.g. “show me all payments over 100k euros waiting for signature”.
- Document and payment automation and collection: especially useful for high volume payables and receivables, the technology could power streamlined document processing.
- Liquidity forecasting and modelling: eventually, the more data your AI is fed, the more agentic it will become and this would allow for increasingly accurate predictive features as well.
In this context, bank connectivity is a great first step to put in place, because it would provide the organised data hub that AI would require to function: bank connectivity gives you the big picture while AI makes that picture more actionable for you.
Exploring the potential of AI: Finologee x SnT
Throughout the conference, one concept emerged often: despite the very rapid advancements in AI technologies and their adoption, we are still far from exploiting their real potential.
In this context, Finologee recently announced further investing into the next generation of smart financial operations through a research and development partnership with SnT (Interdisciplinary Centre for Security, Reliability and Trust) at the University of Luxembourg.
The objective of this collaboration is to explore how AI can enhance LYNKS in areas such as:
- Fraud prevention and anomaly detection: identifying unusual payment patterns or suspicious behaviours in transaction flows
- Pattern detection for liquidity and operations: spotting recurring inefficiencies or irregular movements across accounts and entities
- Smarter workflows: helping prioritise checks and approvals based on risk, transaction characteristics or historical patterns
The goal is to set up an infrastructure that will enable AI (and other automation technologies) to learn and take on as many non-decisive, manual tasks as possible, allowing people to focus on what AI will never be able to do on its own: make strategic decisions.
