SKN  | Bank of America Uses AI to Improve Corporate Treasury Payments and Working Capital

Key Points

• Bank of America has introduced Payments Insights, an AI-powered analytics capability within CashPro designed to improve visibility into payment performance, cross-border activity and working capital.
• The tool allows corporate treasury teams to compare payment results with industry benchmarks based on Bank of America’s peer data and identify areas for potential efficiency improvements.
• The initiative builds on CashPro’s scale, which processed 213 million payments during the first half of 2026, up 10% from the same period in 2025.

Bank of America Brings AI Analytics Into Corporate Treasury Decisions

Bank of America is expanding the use of artificial intelligence across corporate treasury operations with Payments Insights, a new analytics capability within its CashPro platform.

The tool is designed to help corporate and commercial clients assess payment performance, international payment activity and working-capital outcomes. Rather than simply providing access to transaction data, Payments Insights organizes information through dynamic visualizations intended to highlight trends and areas that may require closer attention.

The development reflects a broader shift in treasury management toward analytics that can translate large volumes of payment and foreign-exchange information into operational decisions.

Payments Insights Connects Payment Data With Peer Benchmarks

Payments Insights forms part of CashPro Data Intelligence, Bank of America’s suite of AI-powered analytics capabilities for treasury functions.

The new tool currently covers clients’ U.S. accounts and can provide visibility into payment efficiency, international payment flows and working-capital outcomes. Treasury teams can use the information to evaluate payment methods, cross-border transactions and currency choices.

An important component is the use of industry benchmarks derived from Bank of America’s own peer data. This gives corporate finance teams a framework for comparing their payment activity against broader patterns observed across the bank’s client base.

For large international businesses, such comparisons can be relevant because relatively small changes in payment processes, settlement methods or currency management can affect liquidity and working-capital requirements across substantial transaction volumes.

CashPro’s Scale Creates a Large Data Foundation

The significance of the initiative is also connected to the scale of Bank of America’s payments infrastructure.

CashPro processed 213 million payments during the first six months of 2026, representing a 10% increase from the same period in 2025. That transaction volume provides a substantial data environment for identifying patterns in corporate payment activity.

Bank of America said greater visibility across payment activity can help companies identify opportunities to improve payment efficiency and working-capital management, particularly in international transactions and currency selection.

The bank’s Payments Insights executive, Jennifer Sanctis, said treasury teams manage large volumes of payments and foreign-exchange data, but that information becomes more useful when organized in a way that supports decisions.

CashPro Data Intelligence Expands Beyond Payments

Payments Insights is one component of a broader CashPro Data Intelligence platform.

Other capabilities include Capital Markets Insights, Mobile Security Insights, CashPro Forecasting and CashPro Search. Capital Markets Insights, which launched in the CashPro App in 2025, is scheduled to move online, while Security Insights is expected to expand globally to CashPro program administrators in 2027.

The security capability is designed to provide scores across company, user and account settings and recommend measures intended to reduce fraud and account-compromise risks.

Together, these capabilities indicate that Bank of America is applying AI and analytics across several treasury functions, including payments, forecasting, capital markets information and security.

Treasury Automation Moves Toward Actionable Intelligence

The development also highlights an important distinction in corporate treasury technology: collecting more data does not necessarily produce better financial decisions.

Bank of America developed Payments Insights with input from clients through its CashPro Boards, advisory groups representing different client segments and regions. Feedback from these groups informs platform development, investment priorities and user experience.

Allegis Group Director of Treasury Laura Fox, a member of the U.S. CashPro Board, said the value of treasury technology increasingly depends on how quickly teams can understand patterns and determine appropriate actions.

For corporate treasurers, this places greater emphasis on tools that connect transaction data with operational choices rather than requiring finance teams to interpret large datasets manually.

Implications for Cross-Border Liquidity and Global Wealth Structures

For globally active companies and family-owned enterprises, payment efficiency can intersect with broader liquidity, currency and treasury-management considerations.

Bank of America’s new capability is focused on corporate and commercial clients rather than private wealth management directly. However, the underlying infrastructure is relevant to sophisticated financial operations where multiple currencies, jurisdictions and payment channels must be coordinated.

The source material does not provide specific financial projections for Payments Insights or quantify the savings clients may achieve. Its immediate significance is therefore the integration of AI-driven analysis into a payment platform operating at substantial transaction scale.

Closing Insights

Bank of America’s expansion of AI into CashPro demonstrates how treasury technology is moving from transaction processing toward data-driven decision support. Payments Insights brings payment efficiency, cross-border activity, currency choices and working-capital analysis into a single analytical framework.

For corporate treasury teams and internationally active businesses, the development reinforces the importance of converting payment data into actionable intelligence while maintaining appropriate controls around liquidity, foreign exchange and operational risk.

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