By Dhosjan Greenaway-Dalini

Welcome to the October edition of Finance Tech AI. This newsletter is dedicated to exploring the evolving intersection of finance and technology, with a special focus on how Artificial Intelligence is shaping the future. Whether you’re a founder, finance professional, SME leader, or someone curious about how these changes are impacting businesses, this newsletter will provide practical insights and takeaways to help you navigate the rapidly changing landscape.

In today’s newsletter:

• The Rise of Autonomous AI Agents in the Finance Function

• In Case You Missed It

• The Dhosjan Show Podcast

• On the Horizon

🤖 The Rise of Autonomous AI Agents in the Finance Function

In an earlier newsletter, ‘AI - Competition and Agents’, we discussed the emergence of Agentic AI, systems capable of autonomous actions to achieve specific objectives.

We noted that simple AI workflows follow predefined steps, while AI agents dynamically direct their own processes, selecting the right tools to achieve a goal. Fast-forward a few short months, and we’ve been consumed with talk of advancements in Agentic AI in every business function.

At Bia Innovate, we've been pondering this question a lot lately: At what point does every professional simply have a 'smart assistant', an AI agent managing ALL aspects of their work life, that proactively interacts with other AI agents on our behalf? As standard, we already optimise content for social media algorithms to drive lead generation. Is optimising business strategy, marketing, and other business functions for AI agent execution the logical eventual step?

What does this mean for Finance Operations?

Consider the teams managing your cash runway, reporting, payments, and financial planning. The integration of AI is no longer about simple automation; it's about deploying autonomous agents for complex financial tasks.

As a Gartner report highlighted, “Agentic AI in finance has the potential to transform finance operations by performing a high volume of complex, judgment-based activities across multiple applications and stakeholders.”

We were particularly reflective when reading a recent article from CloudFO, a company that empowers SMEs to make informed decisions swiftly, using Agentic AI to tackle Financial Planning & Analysis.

They made a key distinction. "Your Business Doesn't Need a Bot. It Needs a Brain."

A simple "bot" requires you to ask all the right questions. A "brain," on the other hand, is a proactive AI colleague that identifies trends, flags risks, and provides insights without being prompted.

For us, proactivity is the defining factor for the future of finance operations. The shift from a reactive bot to a proactive brain is one of the most important evolutions for CFOs to champion.

The future looks bright as we see two major wins to come from deploying autonomous AI agents in finance operations centred on speed and foresight.

• Velocity: The Real-Time Advantage

This is the speed at which an AI agent processes large data volumes. More critically, it’s the speed at which the business can access real-time metrics, and giving an instantaneous view of performance, current blind spots, and future risks.

• Instant Scenario Planning

Agentic AI enables dynamic modelling. Imagine the ability to run "Scenario Forecasts in Seconds" allowing you to instantly gauge the impact of sales fluctuations or complex market shifts. Given our prolonged period of economic volatility, transforming uncertainty into proactive strategy has never been more critical.

We highly recommend checking out the full CloudFO article.

As always, implementing these “brains” should align with your business policies on governance, security, accuracy and access control. Review and documentation of the sources and workflows for inputs and outputs, data integrity, auditability and ethical use of data remains paramount.

Get in Touch to learn more about how we can support you in your AI for Finance journey.

In Case You Missed It

• October was Black History Month! Our founder Dhosjan, had the pleasure of being interviewed by her alma mater, Imperial College London. She shared her career journey, thoughts on authenticity and her perspectives for Black History Month.

• IMPORTANT UPDATE: We’ve been busy behind the scenes levelling up our educational offerings, and Q4 promises to deliver some real gems! Take a first look at our new knowledge hub - Upskill with Bia Innovate. Lot's more to come!

The Dhosjan Show Podcast

Season 3 of The Dhosjan Show is back!

S3: E1, ‘Forging a Career in Tech’ features Lucy Smith, Gradient Software Engineer at Savient. Lucy shares her authentic and inspiring story of "falling into" tech and what she's learnt during her first year in a fast-paced development environment.

The podcast dives into Finance, Technology, and AI with an emphasis on the human at the heart of innovation. We’ll cover business basics, founder stories and include practical tips for aspiring entrepreneurs, business owners, or anyone curious to learn. Plus, we’ll feature expert guest speakers to inspire and inform.

All season 1, 2 and 3 episodes are available on Spotify and Apple Podcasts.

On our @BiaInnovateFinance channel on YouTube, we’ll share full episodes from Season 2 onwards, plus we’ll be adding video highlights from Season 1 as well!

Tune into future episodes for more founder stories, business fundamentals, as well as explorations on more real business use cases for AI.

👉🏾 Don’t miss an episode. 🎧📺

On the Horizon

Some exciting speaking engagements are coming up to meet our founder, Dhosjan, in person!

• Moss: The Future Starts Now: Need to know AI in finance trends for 2026

26 Nov 2026 (In-person conference)

This in-person panel and networking session will bring together forward-thinking finance leaders to unpack the strategies that are shifting the finance function from back-office support to a business-critical driver of growth.

• FAB Festival: 11 - 12 March 2026 - Birmingham (In-person conference)

We're excited to be back at FAB and will be talking about Automation & AI: The CFO’s Efficiency Revolution! The Finance, Accounting, and Bookkeeping Show’s mission is to give attendees the insights, tools, and connections to grow faster, work smarter, and stay ahead of change.

🤝If you’re attending any of these events, send me a message and let’s catch up in person.

In Summary

This month is about strengthening our foundations by diving into the potential of autonomous intelligence. The shift from passive bots to proactive AI Agents is a defining factor for the future of AI in Finance. This future is here already! Let's focus on establishing the governance and speed required to lead this transformation.

Next Step: Ready to strategically deploy AI in your finance operations and establish the necessary governance?

👉🏾Reach out to us at Bia Innovate to learn how we can support you in your AI implementation journey!

Who We Are

Bia Innovate is a Fractional CFO and Startup Consultancy. We provide hands-on support to founders, finance and business leaders to turn strategy into action, finance into growth levers, systems into scalability, and AI integration into impact.

👉🏾 If you’re curious, stuck, or ready to explore your growth strategy with us, get in touch.

Copyright (C) 2025 Bia Consulting Ltd. All rights reserved.

Our mailing address is:

Bia Consulting Ltd. 20 Wenlock Rd London, England N1 7GU United Kingdom