Finom, the European financial platform for SMEs and entrepreneurs serving 200,000+ businesses, today launches Finom AI. Built directly into the business account, it reads a user's real financial data and answers complex finance questions, grounded in their own account.Finom AI lives inside the Finom app on web, iOS and Android. Customers ask in any language by text or one-tap dictation. It connects to the account natively through the Model Context Protocol (MCP): no uploads, no exports, no third-party middleware. Every answer surfaces the data it draws from, so the user can check the working.Finom said research with small business customers, including its own beta group, pointed to three questions that come up most often: which invoices are overdue, where money was spent, and what balance is available against upcoming commitments on a given date. The first wave of AI in business finance made existing admin faster; a newer move makes the account reachable from inside general-purpose assistants. Other AI banking tools connect to an account from outside, through general-purpose assistants. Finom's bet runs the other way: it builds the AI-powered capability into the account itself, with native access to the underlying rails, designed to do the admin and stage actions for the user to confirm.“Every neobank in Europe shipped an AI assistant this year. They’re useful, but they all still wait for you to ask. We made a different bet: the AI shouldn’t sit on top of your account, it should live inside it, see exactly what your account sees, and over time do the work rather than just describe it. What we’re launching today is step one - and we’re saying out loud where it goes next.” said Andrew Petrov, CEO of Finom.That reflects where the value in AI is turning out to sit. McKinsey's The State of AI 2025 found that organizations seeing measurable value from AI are those that redesigned workflows around it, including by adding human-validation steps. Finom AI is built into the workflow, and keeps the user confirming every action.Today (beta*) - customers can ask anything in natural language and understand their business finances through a simple conversation: instant answers on cash flow, invoices and spending, grounded in their own account, by text or one-tap dictation.Within weeks - customers can talk to their account. Full conversational voice: asking out loud, hearing the answer back.Next - repetitive work delegation. Finom AI prepares payments, invoices and follow-ups for the user to approve. Nothing happens until they do, and adapts to their own instructions and preferences.Later - taking the mental load off. Tuned to how an SME handles its finances, Finom AI prepares routine tasks in advance for the user’s approval and surfaces issues and anomalies for them to review, before they need to ask. Today's launch is the foundation, and everything that follows is staged for the user's confirmation before anything moves. Finom AI is in beta; features and timing may change.“Most entrepreneurs didn't start a business to do finance administration. Yet millions still spend hours every week reconciling transactions, chasing payments, checking balances and preparing routine financial tasks. We believe AI should not just answer questions about that work. It should do the work. Finom AI is our first step toward making finance administration disappear into the background, while the user remains in control of every decision.” said Ivo Dimitrov, CAIO and co-founder of Finom.Finom AI treats financial workflows as high-care by default and tells users in real time they are interacting with an AI. Every answer shows the underlying data so it can be verified. Finom AI works only with the authenticated user's own account data and does not access other customers' information, all formal data-rights requests are routed to Finom's privacy channel. Finom AI gives no financial, tax, legal, investment, insurance or other regulated advice, and it does not move money on its own: any action that touches money requires the user's explicit confirmation and authentication.“The biggest constraint on AI creating real value isn't the model, it's access to data and context. Central to our thesis when we invested in Finom was that building the lowest-friction SME banking account across Europe allowed Finom to own the workflow, and the context and ultimately the intelligence. Finom AI is the natural extension of their platform, built inside the account, working where customers already are, with full access to the data and context needed to deliver the most value” said Alex Pires, Director at AVP.Finom AI is included in all existing Finom plans during the MVP period, rolling out in waves across Europe, with broad availability through July.NoYesArtificial Intelligence30 Jun, 2026