Singapore-based fintech company Finmo has unveiled MO AI, a conversational co-pilot designed to streamline treasury operations for global finance teams.
Embedded directly within Finmo's intelligent treasury platform, MO AI is purpose-built for CFOs, controllers, and finance teams, aiming to enhance the speed and accuracy of real-time cash management, forecasting, compliance, and reporting across multi-entity, multi-currency operations.
MO AI enables finance professionals to manage complex workflows using simple, natural language. From retrieving account balances and initiating transactions to analysing cross-border payments and generating reports, MO AI delivers instant, contextual responses, transforming fragmented processes into a unified, real-time experience.
David Hanna, CEO of Finmo, stated, “MO AI reflects the kind of meaningful innovation we aim for at Finmo - solving real-life treasury challenges with intelligent, usable tech. Our team has combined automation, AI, and deep financial insight to deliver tools that empower finance professionals to operate more strategically.”
At the core of MO AI is a custom-built architecture that combines real-time data integration, contextual financial understanding, and action execution via Finmo’s proprietary Model Context Protocol.
This allows MO AI to interpret finance-specific language, support enterprise-grade authorisation flows, and securely execute transactions with full traceability.
“We built MO AI as a domain-specific AI system to tackle the operational complexities of global treasury management," explains Raj Vimal Chopra, Finmo co-founder & chief technology officer.
"By fusing generative AI, advanced large language models (LLMs), and Finmo’s high-fidelity treasury infrastructure, MO delivers deep intelligence with real-world utility.
"It understands treasury nuances, enforces strict access controls, and executes real-time actions with full auditability, ensuring security, compliance, and explainability at every step," he continues.
Unlike generic AI applications, MO AI was trained on years of real financial transaction data and decision-making patterns. Its foundation blends generative AI with domain-specific intelligence to respond to the pace and precision finance teams require.
Finmo co-founder & chief product officer, Akhil Nigam, added, “We build products to solve real treasury problems. MO AI has been designed to think like a CFO function.
"It’s built to understand the urgency, structure, and decision logic behind every action," he continued. "Our goal was to move beyond automation and create an intelligent partner; one that helps finance teams shift from reactive to proactive execution."
Finmo envisions MO AI as a foundational leap toward a new era of intelligent finance. Future developments include predictive capabilities aligned with market conditions, complete workflow automation, integrations across the financial tech stack, and adaptive learning tailored to individual user roles.
