Let’s face it, AI has become an inseparable part of everyone’s routine. Its application quickly became “not just for personal use” and now: Every conference has an AI panel, every vendor pitches AI features, and LinkedIn is flooded with posts about how AI will “replace jobs.”

Let’s cut through the noise.
An AI assistant might help you summarize data, draft an email, or even generate a cash forecast. But replace a treasury consultant? Not going to happen. And here’s why.

Treasury Is Not Just Numbers: It’s People

Treasury looks like a numbers game from the outside: cash flows, FX positions, debt structures. But in reality? It’s politics, relationships, and influence.

AI can give you the numbers, but it can’t:

• read the room when the CFO frowns,
  
• sense when the tax director is about to push back, or
  
• navigate the unspoken “we tried that 10 years ago and it failed” conversation.
  

As consultants, we don’t just deliver data. We manage people, expectations, and resistance to change. That’s the real work.

Context Is King in Treasury Consulting 

AI works in patterns. But unfortunately for control freaks and robots, treasury is rarely neat.

No model knows your company’s scars from the last ERP project, your hidden banking fees in South America, or why you have three cash pools but still no visibility.

Consultants bring context. We’ve seen the movie before: in different industries, countries, and setups. We know which shortcuts work, which ones blow up, and which battles are worth fighting.

Problem-Solving in Treasury Is Not Linear

AI will give you the “most likely answer.”
But real-life treasury problems are messy:

• You have liquidity trapped in Brazil.
  
• Your FX hedges are efficient under IFRS but kill you under tax rules.
  
• M&A dropped a new business into your lap with five banks and zero controls.
  

There’s no “plug-and-play” answer here. It takes judgment, creativity, and sometimes guts to choose a path forward. That’s where consultants shine.

Accountability: The Consultant Difference

If AI says “do X” and it fails:  who’s on the hook?
Nobody.

If a consultant advises you, we stand behind it. We negotiate with banks, run the TMS implementation, challenge management, and stay until it works. We don’t just deliver a report. We deliver outcomes and back them with our responsibility.

AI in Treasury: A Tool, Not a Replacement

Don’t get me wrong: we love AI. At Pecunia, we already use it to speed up reporting, crunch large data sets, and even automate parts of cash forecasting.

But here’s the reality: AI doesn’t replace consultants. It makes us faster and sharper.
The future isn’t AI versus consultants. It’s consultants with AI.

The Bottom Line: Treasury Consulting Needs Humans 

Treasury consulting is about bridging systems, people, and strategy. AI is powerful, but it’s not human. It doesn’t negotiate, persuade, or inspire change.

So next time someone asks, “Couldn’t AI just do what you do?”
The answer is simple: AI can’t replace experience, accountability, or the human touch.

 Pecunia: Consultants With AI Power 

At Pecunia, we combine the best of both worlds: experienced consultants armed with the latest tools (including AI), to deliver faster, smarter results.

Need someone who understands both the numbers and the politics of treasury?
Let’s talk https://pecuniatf.nl/contact/.