Khushboo Koutu, Author at Itemize

The AP Inbox Problem: Why Finance Teams Spend Too Much Time Answering the Same Questions

Talk to almost any accounts payable (AP) professional and you’ll hear the same story: the inbox never stops. Between processing invoices, resolving exceptions, and supporting the broader procure-to-pay process, AP teams are constantly fielding emails asking about invoice status, approvals, and payments. What seems like a small task, answering a “quick” question, is a daily …

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The hidden costs of inefficient cash application and how modern teams are finally fixing them

In The News / By Khushboo Koutu

Steve Markle explains why past cash application automation approaches have failed and how only context-aware, adaptive intelligence can deliver reliably and at scale March 13, 2026 Cash application leaders don’t need anyone to tell them their process is under strain. They feel it every day. Payments arrive through multiple channels, remittance formats vary wildly, customers submit partial data, …

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The Future of AI in Treasury & Payments: Key Takeaways from Deluxe Exchange 2026

Blog / By Khushboo Koutu

The Deluxe Exchange 2026 conference in Miami brought together financial institutions, fintechs, and technology leaders to explore where AI is taking treasury, receivables, and payments. Samuel Ridderhof, SVP of AI Delivery and Operations at Itemize, attended the event and came back energized by the conversations – particularly the session “Generative AI and Treasury: Redefining the …

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Why Controls That Rely on Humans Don’t Scale

Blog / By Khushboo Koutu

For years, finance and treasury leaders have been taught a reassuring idea: that human review equals control. More approvals. More sign-offs. More eyes on every transaction. That logic worked when transaction volumes were lower, payment cycles were slower, and fraud was easier to spot. But the operating environment finance teams face today looks very different. …

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How the New Nacha Rules Are Raising the Bar on Bank Account Validation and Fraud Monitoring

Blog, Uncategorized / By Khushboo Koutu

As payment fraud continues to grow in sophistication, speed, and scale, the ACH Network is evolving its expectations for how risk is identified and managed. The latest amendments to the Nacha Operating Rules, specifically the new Risk Management and Fraud Monitoring requirements taking effect in 2026, signal a clear shift away from reactive controls and …

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From Touchless to Trustworthy: The Real Next Step in Finance Automation

Blog / By Khushboo Koutu

A year ago, most “AI in finance” conversations still sounded like: Can it read the invoice? Can it summarize the email? Can it pull the fields? Now the bar has moved. The interesting question is: Can it do the work – then show its work? That shift is happening fast. Gartner reported 58% of finance …

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The Zero-Touch Future: How CFOs Are Reshaping Shared Services for Speed and Resilience

Blog, Uncategorized / By Khushboo Koutu

How future-ready organizations orchestrate AI, APIs, and workflow intelligence to eliminate friction Shared services organizations are entering a defining era. CFOs are no longer asking for shared services to simply be efficient. They are asking them to be fast, resilient, and unbreakable under pressure. They want finance operations that scale instantly with the business, withstand …

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Finance Automation Is Shifting Again – and This Time It’s About Execution

Blog / By Khushboo Koutu

Finance automation has had a long arc. Every few years, a new wave of technology arrives with the same promise: less manual work, fewer errors, faster close, better controls. And every time, finance teams adopt it… and still end up spending too much time cleaning up exceptions. OCR was a step forward. It helped turn …

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Nacha’s 2026 Rule Changes Are Coming Fast – Here’s How AI Can Help Banks, Corporates, and FinTechs Survive Them

Blog / By Khushboo Koutu

If you handle Automated Clearing House (ACH) payments, whether you’re a bank, a corporate, a fintech platform, or a third-party sender, the ground beneath your feet is about to shift. Hard. Beginning in March 2026, Nacha is rolling out some of the biggest changes to its ACH Operating Rules in a long time, and …

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AI-Driven Shared Services: The New Center of Excellence for Cost Optimization and Customer Experience

Blog / By Khushboo Koutu

How AI elevates shared services from cost center to business value engine For years, shared services organizations have been judged by one primary metric: cost reduction. Lower cost-to-serve. Leaner teams. Standardized processes. Efficient execution. Those goals still matter. But they are no longer enough. Today’s CFOs expect financial shared services to deliver more than efficiency. …

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Khushboo Koutu

The AP Inbox Problem: Why Finance Teams Spend Too Much Time Answering the Same Questions

The hidden costs of inefficient cash application and how modern teams are finally fixing them

The Future of AI in Treasury & Payments: Key Takeaways from Deluxe Exchange 2026

Why Controls That Rely on Humans Don’t Scale

How the New Nacha Rules Are Raising the Bar on Bank Account Validation and Fraud Monitoring

From Touchless to Trustworthy: The Real Next Step in Finance Automation

The Zero-Touch Future: How CFOs Are Reshaping Shared Services for Speed and Resilience

Finance Automation Is Shifting Again – and This Time It’s About Execution

Nacha’s 2026 Rule Changes Are Coming Fast – Here’s How AI Can Help Banks, Corporates, and FinTechs Survive Them

AI-Driven Shared Services: The New Center of Excellence for Cost Optimization and Customer Experience

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