Pleo on the Future of Cash Management

Clara Schindler, Product Manager for Cash Management at Pleo, argues that finance teams must shift from reactive control to proactive foresight to turn cash into a lever for growth. In a volatile environment, slow decisions are punished, yet two in five business leaders lack confidence in their financial agility. Schindler explains this issue is caused by a lack of trusted data, not a lack of it.

The core challenge is fragmentation and manual work. Teams use multiple platforms to manage cash, forcing them into “data plumbing” rather than decision-making and costing up to five hours a week to consolidate views. This untrusted, fragmented data leads to costly decisions and decision paralysis. Finance leaders want “decision speed with confidence,” with 70% of businesses viewing real-time decision tools as vital.

Pleo expanded from spend management to cash management, recognizing every spend decision is a cash decision. Schindler defines modern cash management by three pillars: Visibility (consolidating accounts/currencies), Automation (smart money movement with guardrails), and Optimisation (reducing costs and utilising surplus cash). Schindler anticipates a future of “autopilot with human oversight,” where manual work shrinks. Teams will use AI-driven foresight to answer “what will we spend,” transforming finance into a strategic business partner and risk mitigation hub

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