
过去,金融专业人士是通过亲自动手来学习业务的。他们处理发票、核对账目、调查异常、催办审批,并逐渐培养出处理更复杂情况所需的判断力。
Finance professionals used to learn their jobs by doing the work themselves. They processed invoices, reconciled accounts, investigated exceptions, chased approvals, and gradually developed the judgment needed to handle more complex situations.
这项工作往往具有重复性,但它培养了下一代金融领导者。人工智能正在改变这一进程。
The work was often repetitive, but it trained the next generation of finance leaders. Artificial intelligence is changing that process.
在各大金融部门,人工智能系统正在承担一度被视为入门级的职责。它们可以提取数据或验证信息、流转审批,甚至在无需人工干预的情况下识别并解决问题。
Across finance departments, AI systems are taking on tasks that were once considered entry-level responsibilities. They can extract data or validate information, route approvals, and even identify and solve issues without human intervention.
对于发票生命周期管理而言,这意味着人工智能越来越多地触及影响合规性、支付准确性、供应商关系以及财务完整性的工作。对于面临提高效率压力的机构来说,这种吸引力显而易见。然而,如果人工智能接管了入门级工作,接下来会发生什么?未来的专业知识将从何而来?
voice lifecycle management, that means AI is increasingly touching work that affects compliance, payment accuracy, supplier relationships, and financial integrity. For organizations under pressure to improve efficiency, the appeal is obvious. However, if AI is taking the entry-level work, what happens next? Where will future expertise come from?
关于人工智能与就业的大多数讨论都集中在工作岗位是否会消失上。但在金融机构内部,一个不同的挑战或许正在浮现。如果软件处理了大量传统上用于教导人们金融运作方式的工作,那么未来的专业知识将从何而来?
Most conversations about AI and employment focus on whether jobs will disappear. But a different challenge might be emerging inside finance organizations. If software handles a large chunk of the work that traditionally taught people how finance operations function, where will future expertise come from?
“现有的高管群体是通过做基础的体力活来建立他们的判断力的,”Basware产品管理总监凯文·卡马乌(Kevin Kamau)表示。“新加入的群体是人工智能原住民,将永远不会做那种工作。这就提出了一个令人不安的问题。你无法监督你从未学会做的事情,那么一旦产生专家判断力的学徒制被自动化取代,专家判断力将从何而来?”这一担忧反映了企业财务领域正在发生的一场更广泛的转变。
“The current senior cohort built its judgment by doing the manual grind,” said Kevin Kamau, Director of Product Management at Basware. “The incoming cohort is AI-native and will never do that work. That raises an uncomfortable question. You cannot supervise what you never learned to do, so where does expert judgment come from once the apprenticeship that produced it has been automated away?”The concern reflects a broader shift taking place throughout enterprise finance.
各机构不再将人工智能局限于生成洞察。现在,它们正在部署能够直接参与运营流程的系统。
Organizations are no longer limiting AI to generating insights. Now, they are deploying systems capable of participating directly in operational processes.
曾经需要员工花费数小时完成的任务,现在只需几分钟甚至几秒钟。这创造了更高生产力的机会,但也改变了人们在这些流程中扮演的角色。
Tasks that once consumed hours of employee time now take minutes or even seconds. That creates opportunities for greater productivity, but it also changes the role people play within those processes.
关于 AI 与就业的错误提问 Basware 首席执行官 Jason Kurtz 认为,公众围绕 AI 的大部分讨论都聚焦于了错误的问题。
The wrong question about AI and jobs Jason Kurtz, Chief Executive Officer of Basware, believes much of the public discussion around AI has focused on the wrong question.
“‘AI 要抢你饭碗’的叙事能制造吸睛标题,”Kurtz 说。“恐惧、不确定和怀疑能卖故事。但我们以前见过这种情况。每一次重大技术变革都会引发对大规模失业的焦虑。技术演进、角色适应、工作改变,但很少导致人的全面被取代。” 历史上,应付账款和财务运营的很大一部分涉及处理交易和解决常规例外情况。随着自动化扩展,组织发现剩余工作往往需要一套不同的技能。
“The ‘AI is coming for your jobs’ narrative makes for good headlines,” Kurtz said. “Fear, uncertainty and doubt sell stories. But we’ve seen this before. Every major technological shift sparks anxiety about widespread job loss. Technology evolves, roles adapt, and work changes, yet it rarely results in the wholesale replacement of people.”Historically, a significant portion of accounts payable and finance operations involved processing transactions and resolving routine exceptions. As automation expands, organizations are discovering that the remaining work often requires a different set of skills.
“智能体 AI 正在接管追踪发票、核对数据和路由审批等手工任务,”Kamau 说。“这使应付账款专业人员能专注于直接影响利润的活动:现金流优化、供应商关系、营运资金和风险。这也让他们的角色更接近维护财务完整性,确保交易在决策制定或付款释放前准确、合规且可信。” 这种变化听起来很简单,直到组织开始思考专业知识如何培养。
“Agentic AI is taking over manual tasks like chasing invoices, checking data, and routing approvals,” Kamau said. “That allows AP professionals to focus on activities that directly impact the bottom line: cash flow optimization, supplier relationships, working capital, and risk. It also moves their role closer to protecting financial integrity, making sure transactions are accurate, compliant, and trusted before decisions are made or payments are released.”The change sounds straightforward until organizations begin thinking about how expertise develops.
监管你从未学会做的事 负责监督 AI 系统的财务专业人员仍需了解这些系统所管理的流程。他们需要识别何时情况看起来异常、何时应质疑建议、何时例外情况需要人工干预。
Supervising what you never learned to do A finance professional responsible for overseeing AI systems still needs to understand the process those systems are managing. They need to recognize when something looks unusual, when a recommendation should be challenged, and when an exception requires human intervention.
当人工智能在复杂的业务流程、企业资源规划环境、审批、合规检查和支付决策中运行时,这一点变得尤为重要。这些技能传统上是通过经验积累形成的。
That becomes especially important when AI is operating across complex workflows, ERP environments, approvals, compliance checks, and payment decisions. Those skills traditionally emerged through experience.
人工智能正在消除更多曾经作为该职业入门途径的重复性工作。随着这种情况的发生,企业可能需要重新思考如何培训员工并培养未来的领导者。
AI is removing more of the repetitive work that once served as an entry point into the profession. As it does, companies may need to rethink how they train employees and develop future leaders.
这一挑战是巴斯韦尔(Basware)最近推出专为财务专业人士设计的人工智能认证项目的原因之一。该计划旨在帮助用户理解人工智能代理如何在财务工作流程内部运行,以及人类判断在哪些地方依然至关重要。它还涵盖了员工如何有效地监督日益自主的系统。
That challenge is one reason Basware recently launched an AI certification program designed for finance professionals. The initiative focuses on helping users understand how AI agents operate inside financial workflows and where human judgment remains essential. It also covers how employees can effectively supervise increasingly autonomous systems.
其发票网络的规模塑造了巴斯韦尔的视角。超过25亿张发票为其平台提供信息,并在其客户群中每年支持超过10亿次人工智能操作。这使该公司对人工智能如何在实际生产中(而不仅仅是在受控的试验中)改变财务工作有了切实的看法。
The scale of its invoice network shapes Basware’s perspective. More than 2.5 billion invoices inform its platform, and it supports more than one billion AI actions annually across its customer base. That gives the company a practical view of how AI changes finance work in production, not just in controlled pilots.
将人工智能代理视为数字员工 对库尔茨(Kurtz)而言,本课程的目的不仅仅是帮助人们使用人工智能,而是帮助他们学习如何与人工智能协同工作。
Treating AI agents as digital employees For Kurtz, the objective of this course is not simply helping people use AI. It is helping them learn how to work alongside it.
“为了充分发挥人工智能代理的作用,组织需要将它们视为数字员工,”他说。“这意味着不仅要培训人们使用人工智能,还要培训人们管理它。”毕竟,没有哪个财务领导者会在第一天就简单地将数百万资金的使用权交到一个新员工手中。我们建立对人工智能的信任,与我们在人与人之间建立信任的方式非常相似。权限是通过设定防线和监控表现来赢得的。这种受管制的办法使财务团队能够在信任和信心增强的同时提高自主性。
“To get the most out of AI agents, organizations need to treat them as digital employees,” he said. “That means training people not just to use AI, but to manage it.”After all, no finance leader would simply hand a new hire authority over millions in spend on day one. We build trust in AI much the same way we build it in people. Authority is earned by setting guardrails and monitoring performance. This governed approach allows finance teams to increase autonomy as trust and confidence increase.
这一理念反映了一个未来图景:AI智能体成为财务运营的常规组成部分,而非专门的技术项目。员工可能会发现自己正在监督处理大量交易的系统。他们仍将负责治理、例外处理和战略决策。
The idea reflects a future in which AI agents become a routine part of finance operations rather than a specialized technology project. Employees may find themselves overseeing systems that handle large portions of transaction processing. They would remain responsible for governance, exceptions, and strategic decisions.
Basware首席产品与技术官Donna Wilczek表示,这种转变使得企业控制变得至关重要。
Donna Wilczek, Chief Product and Technology Officer at Basware, said that shift makes enterprise control essential.
Wilczek说:“随着AI成为日常财务运营的一部分,仅仅询问它能否完成任务是不够的。你需要知道该决策是如何做出的,以及谁为此负责。你还需要有人在发现异常时真正介入。这正是有用的自动化与可信赖的自主性之间的区别。”从顾问到操作员这一转变已在影响许多组织所看重的技能。分析性思维、商业判断力、数据素养以及评估AI生成建议的能力变得日益重要。
“As AI becomes part of everyday finance operations, it’s not enough to ask whether it can complete a task,” Wilczek said. “You need to know how that decision got made and who’s on the hook for it. And you need people who’ll actually step in when something looks off. That is what separates useful automation from trusted autonomy.”From advisor to operator That transition is already influencing the skills many organizations value. Analytical thinking, business judgment, data literacy, and the ability to evaluate AI-generated recommendations are becoming increasingly important.
组织要求财务专业人员理解系统、解读结果,并在情况超出既定模式时做出决策。同时也要求他们理解控制机制、可审计性、风险信号,以及这些决策对更广泛的发票生命周期产生的影响。
Organizations are asking finance professionals to understand systems, interpret results, and make decisions when situations fall outside established patterns. They are also asking them to understand controls, auditability, risk signals, and the impact those decisions have across the wider invoice lifecycle.
Wilczek认为,该职业正朝着一个模式发展:人们花在执行流程上的时间减少,花在监督流程上的时间增加。
Wilczek believes the profession is moving toward a model where people spend less time executing processes and more time supervising them.
她说:“AI的发展方向正从顾问转向操作员。留给人们的是那些艰难的、模糊的、有趣的工作。依我看,那是更好的工作。”
“The direction for AI is moving from advisor to operator,” she said. “What’s left for people is the hard, ambiguous, interesting work. That’s the better job, if you ask me.”
AI对就业的长期影响仍不确定。但似乎很可能的是,进入许多职业的路径将与前几代人有所不同。
The long-term impact of AI on employment remains uncertain. What appears likely is that the path into many professions will look different than it did for previous generations.
财务部门花了数十年时间,通过让人亲身投入工作本身来对他们进行培训。随着人工智能承担更多这些职责,各组织将需要新的方法来培养判断力、经验和专业知识。
Finance departments have spent decades teaching people by immersing them in the work itself. As AI assumes more of those responsibilities, organizations will need new ways to build judgment, experience, and expertise.
解决这一挑战的公司可能会发现,为人工智能驱动的未来培养人才不仅仅是采用新技术的问题。这关乎确保下一代对工作有足够的了解,从而知道技术何时正确、何时错误,以及人类的判断力在何时依然重要。
The companies that solve that challenge may discover that preparing people for an AI-driven future is not simply about adopting new technology. It is about ensuring the next generation learns enough about the work to know when the technology is right, when it is wrong, and when human judgment still matters.