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ISTANBUL, 28 July 2026 — Finance operations have evolved for years around digitalisation and automation. But rising transaction volumes, complex policy structures and growing operations now demand a different approach. In response, Masraff has announced its autonomous Agentic Finance capabilities — built to cut the operational workload on finance teams and speed up decision-making through systems that learn, improve and recommend.
Masraff attended CFO Summit 2026, where it presented its new Agentic Finance capabilities to CFOs.
A New Era in Finance Operations
As transaction volumes grow, spend spreads across disconnected systems — reducing financial visibility while increasing the need for manual control. Existing financial technology succeeded in digitalising this loop, but because it never made the processes autonomous, the structural dependency inside decision and approval mechanisms remained unsolved.
With its Agentic Finance capabilities, Masraff aims to remove that operational bottleneck. The layer:
- Monitors and analyses spend and transactions in real time
- Automatically detects policy violations and unusual activity
- Recommends the right actions and surfaces insight
- Routes approval flows
- Posts financial data to the relevant systems automatically
Instead of tracking every transaction one by one, finance teams see only the exceptions that need attention. When an invoice arrives, the system does more than read it: it finds the right cost centre, checks policy compliance, requests approval where needed, and posts the record straight into the ERP.
From document processing to spend classification, from corporate card reconciliation to invoice and travel management, every step moves through a single connected flow. Finance teams sit above that flow rather than inside it.
The Agents Behind the Agentic Finance Layer
Masraff's Agentic Finance approach is made up of artificial intelligence-powered specialist agents, each focused on a different area of finance operations.
SpendIQ — Continuously analyses company and employee spend, produces insight, and surfaces risks and savings opportunities.
PolicyIQ — Automatically audits spend against company policy, manages approval flows, and brings in the relevant teams on exceptions.
FraudIQ — Detects suspicious transactions, duplicate records and potential misuse in real time, making risk visible before it materialises.
CardIQ — Automatically matches corporate card spend, manages reconciliation, and flags anomalous transactions within seconds.
TokenIQ — Tracks, analyses and controls artificial intelligence and large language model usage spend, giving visibility over a new class of digital operating cost.
InvoiceIQ — Manages supplier invoices and procurement, surfaces savings opportunities in purchasing, applies policy checks, and accelerates operations by automating accounting and the ERP posting process.
TravelIQ — Manages travel end to end. Compares supplier options, audits policy compliance and optimises cost.
DataIQ — Unifies financial data scattered across systems into a single structure, forming the shared data layer the other agents run on.
Working together, these agents form Masraff's Agentic Finance layer — bringing autonomous policy audit and approval management, intelligent invoice and expense processing, real-time fraud and anomaly detection, continuously learning policy engines and cost optimisation in supplier negotiations into one finance operations layer.
More Visibility, Less Operational Load for CFOs
These Agentic Finance capabilities let finance leaders follow operations as they happen, rather than reviewing historical data alone.
With this autonomous layer, month-end close accelerates, policy compliance strengthens and audit trails run without gaps. Savings opportunities surface. And making financial risk visible before it materialises moves finance teams' time away from repetitive operational work and towards strategic decisions.
Results observed at companies using Masraff vary with organisation size, spend volume and process maturity, but tend to fall in these ranges:
- A significant share of transactions — up to 90% at some organisations — is posted to accounting automatically, without human intervention.
- Transaction review time shortens markedly; speed-ups of up to 5× have been observed.
- Corporate card reconciliation time can fall by up to 75%.
- With artificial intelligence-powered insight tools, six-figure savings opportunities can be identified at organisations with high spend volume.
What's Next
Masraff plans to extend its Agentic Finance capabilities with new artificial intelligence agents:
- End-to-end automation in procurement, with savings opportunities in the tender process
- Optimisation tools that reduce travel spend
- Intelligent spend recommendations
- End-to-end autonomous financial workflows
"For years, finance professionals have had to spend a significant amount of time on data collection, validation and reconciliation. With Agentic Finance we are taking artificial intelligence beyond a tool that merely speeds up processes, and making it an active participant in the workflow. Our aim at Masraff is to free finance teams from repetitive operational load and open up high-value space where they can focus entirely on strategic decisions and company growth."
— Begül Eray Sezgin, Co-Founder & CEO, Masraff
About Masraff
Masraff is an artificial intelligence-based spend management platform that lets companies manage their spend processes end to end. By bringing expenses, travel, advances, corporate cards, invoices and artificial intelligence spend together under a single structure, the platform gives finance teams control, visibility and operational efficiency. Through its Agentic Finance approach, Masraff aims to make finance operations smarter, more proactive and more autonomous.
