Finance

What finance teams are doing:

• Close and reconciliations: Microsoft's new Copilot finance skills compare balances, flag discrepancies, draft journal entries and prepare close packages for review, with an optional audit trail in Excel.
• Variance commentary: paste the P&L against budget and ask for the five drivers that explain most of the gap, in board language.
• Credit and investment memos: DBS Bank uses chains of specialised Gemini agents to synthesise financial, regulatory and market information into corporate credit memos, with humans in the loop.
• Invoice and receipt capture: read incoming invoices and fill in your accounting system (OpenAI cites this as a typical job for its low-cost Terra model).
• Cash forecasting scenarios: build a simple 13-week cash model and ask it to stress-test receivables slipping by 30 days.

Try tonight (use dummy numbers):

Here is our monthly P&L versus budget as a table: [paste].
Explain the variance in five bullet points a non-finance director
would understand. Flag any line where the explanation is uncertain
and tell me what extra data would confirm it.