#440 How AI is Fixing Late Payments: Fabio Fleitas on Automating Cash Collections

“Reducing the amount of time to receive cash unlocks working capital and fuels business growth. AI is transforming this process like never before.” – Fabio FleitasIn this episode of The CTO Show with Mehmet, we dive into the world of fintech and AI-driven financial operations with Fabio Fleitas, Co-Founder and CTO of Tesorio. Tesorio is revolutionizing cash flow automation, helping businesses collect payments faster and optimize financial operations with AI.We discuss: • The biggest pain points finance teams face in accounts receivable and cash collections • How Tesorio uses AI to automate collections, predict payments, and improve cash flow • The impact of AI and automation on financial operations • The challenges of integrating fintech solutions with banking systems • How startups and enterprises can leverage AI to streamline financial workflows🚀 Key Takeaways✅ AI is revolutionizing cash collections by automating invoices, follow-ups, and reconciliation✅ Tesorio helps reduce payment delays by analyzing financial data and predicting when invoices will be paid✅ Businesses lose millions in bad debt write-offs—AI-driven automation can significantly cut these losses✅ Even enterprise finance teams remain understaffed, making automation essential for scalability✅ The rise of AI agents and operators is making financial workflows more efficient than ever🎯 What You’ll Learn🔹 Why late payments are a major financial bottleneck for businesses🔹 How AI-powered tools like Tesorio improve cash flow predictability🔹 The importance of automating financial workflows to scale without increasing headcount🔹 How neobanks and fintech innovations are changing the financial landscape🔹 Insights into how AI is being used in fintech beyond generative models🎙️ About Fabio FleitasFabio Fleitas is the Co-Founder & CTO of Tesorio, a fintech platform transforming how businesses manage cash flow. He started the company while studying at the University of Pennsylvania and later went through Y Combinator in 2015. Over the past decade, he has led Tesorio’s evolution from a startup to a key player in AI-powered financial automation.https://www.linkedin.com/in/fabiofleitas/https://www.tesorio.com/⏳ Episode Highlights (Timestamps)📌 [00:02:00] – What is Tesorio? The problem it solves for finance teams📌 [00:04:30] – Fabio’s startup journey: from university to Y Combinator📌 [00:06:50] – The pain points in finance and why late payments are a major issue📌 [00:10:00] – How Tesorio automates cash collections and integrates with financial systems📌 [00:14:30] – Addressing objections: Why companies still need specialized fintech tools📌 [00:18:00] – AI-powered automation: How businesses can reduce cash flow risks📌 [00:21:00] – Banking and fintech evolution: What’s changed in the last decade📌 [00:28:00] – AI’s growing role in predicting payments and automating financial decisions📌 [00:33:00] – The future of AI in fintech and Fabio’s take on rapid AI advancements📌 [00:45:00] – How AI agents can now fully automate invoice submissions📌 [00:50:00] – Advice for fintech entrepreneurs: How to build impactful AI solutions