# The Future of SMB Banking: AI, Automation, and Financial Intelligence | Akhil Nigam, CoFounder at Finmo,

Page: https://stenobird.com/podcast/purpose-driven-fintech-6329886/the-future-of-smb-banking-ai-automation-and-financial-intelligence-akhil-nigam-cofounder-at-finmo
Text version: https://stenobird.com/podcast/purpose-driven-fintech-6329886/the-future-of-smb-banking-ai-automation-and-financial-intelligence-akhil-nigam-cofounder-at-finmo.md
Podcast: [Purpose Driven FinTech](https://stenobird.com/podcast/purpose-driven-fintech-6329886)
Published: 2025-11-06T08:00:00+00:00
Episode link: https://purpose-driven-fintech.captivate.fm/episode/the-future-of-smb-banking-ai-automation-and-financial-intelligence-akhil-nigam-cofounder-at-finmo-
Audio file: https://episodes.captivate.fm/episode/d4603ee5-27e5-4a31-8d98-f62bea86a5d3.mp3
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Duration seconds: 2224

## Resource

In this episode, I speak with Akhil Nigam, CoFounder at Finmo, and we answer the critical question: How can global businesses transform their fragmented treasury operations into unified, intelligent systems that drive growth? He shares insights on why SMEs deserve better treasury solutions, how real-time payment rails are transforming cash management, and why MO AI is becoming the intelligent co-pilot every finance team needs. 👉 Follow Akhil Nigam: LinkedIn: https://www.linkedin.com/in/akhilnigam562/ Website: https://finmo.net/ 👉 Follow Monica: LinkedIn: https://www.linkedin.com/in/monicamillares/ YouTube: https://www.youtube.com/@moni_millares TikTok: https://www.tiktok.com/@moni_millares We cover: [00:00:00] Why SMBs should be at the center of treasury innovation [00:01:00] The economic impact of SME financial health on the wider economy [00:03:00] Why SMBs are fast-moving segments banks ignore for enterprise clients [00:05:00] How automation frees finance teams from manual work to focus on growth [00:07:00] Enterprise vs SMB treasury: The critical differences explained [00:10:00] The connected finance challenge: Why bank integration matters [00:12:00] The purpose behind building Finmo's complex treasury platform [00:15:00] Why the founding team's diverse skill set made payments possible [00:16:00] How to keep purpose alive when you're in the trenches [00:19:00] Reimagining treasury workflows: Real-time visibility and forecasting [00:20:00] The cosmetics company spending $1M on treasury with 6-month reporting delays [00:22:00] Outcome-driven product development: From features to measurable KPIs [00:23:00] Introducing MO AI: The intelligent advisor for CFOs [00:27:00] The practical transition: From FinTech to AI-powered FinTech [00:30:00] How Finmo uses AI to help AI…

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