From spreadsheets to AI

From spreadsheets to AI

written by Jeroen Overmaat with his background of Sales at Kyriba

Amsterdam, April 18, 2025

As a Dutch Sales Account Executive who joined Kyriba five months ago, I’ve witnessed firsthand how treasury management is undergoing a remarkable transformation. The days of managing corporate treasury through spreadsheets are rapidly becoming history, replaced by AI-driven platforms that are revolutionizing how businesses manage their liquidity.

Kyriba, valued at over $3 billion , has emerged as a leader in this transformation, processing an astounding $15 trillion in payments annually across 170 countries. I am truly humbled that I was able to join them, recently. But what truly sets Kyriba apart isn’t just our scale – it’s our ability to deliver measurable results.

Let me share some real-world examples: one of our clients, HCSC, unlocked $9 billion in investable capital, generating $155 million in returns . Another client, Cenveo, improved their forecast accuracy from 65% to 93% . These aren’t just numbers; they represent real business transformation.

The secret sauce? Our AI-powered platform that’s reshaping treasury management in five key areas:

  1. Cash Management: AI analyzes patterns to optimize cash balances, reducing idle cash by up to 47%
  2. Fraud Detection: Machine learning screens transactions in real-time, preventing 90% of fraudulent attempts
  3. Forecasting: Pattern recognition improves accuracy by up to 39%
  4. Payment Processing: Automation reduces manual tasks by 82%
  5. Bank Connectivity: Integration with 1,000+ banks worldwide

Recent industry benchmarks (Kyriba’s Value Engineering Survey with 2,000+ client engagements and the argest Enterprise Liquidity Benchmarking Database with over 1,600+ complete results), show organizations achieving:

  • 80% improvement in operational efficiency
  • 90% increase in forecast accuracy
  • 100% cash visibility

As someone who regularly engages with CFOs and treasury teams, I’ve noticed a shift in conversations from “Why should we transform?” to “How quickly can we start?” The answer lies in Kyriba’s comprehensive platform approach, which has evolved beyond traditional treasury management to become what we call a “liquidity performance platform” .

Looking ahead to 2025, we’re seeing increased focus on AI integration, real-time risk assessments, and enhanced data security . The future of treasury management isn’t just about automation – it’s about intelligent, data-driven decision-making that drives business growth.

According to Kyriba’s latest predictions, CFOs will increasingly focus on enhancing liquidity risk management, driven by volatile interest rates and global market uncertainties . This aligns with academic research showing that AI-driven treasury management can reduce operational risks by up to 90% through improved forecasting accuracy .

The rise of what researchers call “Liquidity Performance Management” is particularly intriguing. A recent systematic literature review highlights how machine learning algorithms have evolved beyond simple automation to provide strategic insights . At Kyriba, we’re seeing this materialize through our AI-driven platform that not only predicts cash flows but also optimizes working capital and detects potential fraud patterns in real-time.

Perhaps most significantly, corporate liquidity is reaching unprecedented levels, with American enterprises holding $3.5 trillion out of combined revenues of $16 trillion – a 20% liquidity-to-revenue ratio that’s the highest since pre-COVID 2021 . This creates both opportunities and challenges for treasury teams, making the role of AI-powered platforms increasingly critical for strategic decision-making.The question isn’t whether to embrace this transformation, but rather: How long can your organization afford to wait?

[Author’s note: As a Dutch native working in fintech, I’ve tried to bring both my European perspective and technical expertise to this discussion. The transformation in treasury management isn’t just a trend – it’s a fundamental shift in how businesses operate in our increasingly digital world.]

Stay sharp. Stay skeptical.

Disclaimer Alert

Folks, let’s get a few things straight: this article is my own personal take on the matter, and it’s as personal as your grandma’s secret cookie recipe – unapproved by anyone but yours truly! So, consider this article as my solo journey into the quirky world of tech, where my (sales) creativity dances with analysis. If it makes you chuckle or raises an insightful eyebrow, that’s awesome! If it makes you scratch your head in bewilderment, well, that’s part of the fun too.

But remember, dear readers, this is all in good fun, and it doesn’t constitute official tech doctrine or employer-approved wisdom. It’s just me, my thoughts, and a touch of humor thrown into the tech mix.

About the author

Article content

The author is a seasoned Sales Account Executive at Kyriba Netherlands, where he helps organizations optimize their financial operations through cloud-based treasury, payment, and risk management solutions. With over 30-years of enterprise technology sales experience, Jeroen combines his deep understanding of the Dutch market with his passion for helping businesses transform their financial processes.

Based in Arnhem, where he often finds inspiration cycling along the city’s beautiful nature reserves of the Veluwezoom, Jeroen has built a reputation for developing strong, lasting relationships with key decision-makers across the Netherlands’ enterprise landscape. Although recently started at Kyriba, his customer-centric approach and strategic insights have consistently helped organizations navigate the complexities of digital transformation that so many modern treasury management and financial risk mitigation departments currently face.

As a technology enthusiast with extensive experience in enterprise software, Jeroen is passionate about helping businesses leverage innovative solutions to optimize their liquidity and streamline their financial operations. His collaborative approach and ability to understand unique customer needs have made him a valuable resource for companies looking to modernize their treasury and risk management practices.

Jeroen has wrote many articles / blogs with his own personal view on the matters. There is no consistency in the cadence of his publications, he publishes when he feels like it. You can find these articles on his LinkedIn profile.

Articles used:

Here are the key sources referenced in the article:

Kyriba corporate website and resources:

Academic Research:

Industry analysis:

Customer success stories:

These sources provide comprehensive validation of the trends, statistics, and success metrics discussed in the article. All data and insights are current as of 2025.

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