“Reducing the amount of time to receive cash unlocks working capital and fuels business growth. AI is transforming this process like never before.” – Fabio Fleitas

In this episode of The CTO Show with Mehmet, we dive into the world of fintech and AI-driven financial operations with Fabio Fleitas, Co-Founder and CTO of Tesorio. Tesorio is revolutionizing cash flow automation, helping businesses collect payments faster and optimize financial operations with AI.

We discuss:

• The biggest pain points finance teams face in accounts receivable and cash collections

• How Tesorio uses AI to automate collections, predict payments, and improve cash flow

• The impact of AI and automation on financial operations

• The challenges of integrating fintech solutions with banking systems

• How startups and enterprises can leverage AI to streamline financial workflows

🚀 Key Takeaways

✅ AI is revolutionizing cash collections by automating invoices, follow-ups, and reconciliation

✅ Tesorio helps reduce payment delays by analyzing financial data and predicting when invoices will be paid

✅ Businesses lose millions in bad debt write-offs—AI-driven automation can significantly cut these losses

✅ Even enterprise finance teams remain understaffed, making automation essential for scalability

✅ The rise of AI agents and operators is making financial workflows more efficient than ever

🎯 What You’ll Learn

🔹 Why late payments are a major financial bottleneck for businesses

🔹 How AI-powered tools like Tesorio improve cash flow predictability

🔹 The importance of automating financial workflows to scale without increasing headcount

🔹 How neobanks and fintech innovations are changing the financial landscape

🔹 Insights into how AI is being used in fintech beyond generative models

🎙️ About Fabio Fleitas

Fabio Fleitas is the Co-Founder & CTO of Tesorio, a fintech platform transforming how businesses manage cash flow. He started the company while studying at the University of Pennsylvania and later went through Y Combinator in 2015. Over the past decade, he has led Tesorio’s evolution from a startup to a key player in AI-powered financial automation.

https://www.linkedin.com/in/fabiofleitas/

https://www.tesorio.com/

⏳ Episode Highlights (Timestamps)

📌 [00:02:00] – What is Tesorio? The problem it solves for finance teams

📌 [00:04:30] – Fabio’s startup journey: from university to Y Combinator

📌 [00:06:50] – The pain points in finance and why late payments are a major issue

📌 [00:10:00] – How Tesorio automates cash collections and integrates with financial systems

📌 [00:14:30] – Addressing objections: Why companies still need specialized fintech tools

📌 [00:18:00] – AI-powered automation: How businesses can reduce cash flow risks

📌 [00:21:00] – Banking and fintech evolution: What’s changed in the last decade

📌 [00:28:00] – AI’s growing role in predicting payments and automating financial decisions

📌 [00:33:00] – The future of AI in fintech and Fabio’s take on rapid AI advancements

📌 [00:45:00] – How AI agents can now fully automate invoice submissions

📌 [00:50:00] – Advice for fintech entrepreneurs: How to build impactful AI solutions