ARI by AIDLOE

AI Receivables Intelligence

Resolve receivables exceptions before they reach your finance team.

ARI understands why invoices remain unpaid, takes the next best action, follows through, and brings in your team only when human judgment is genuinely needed.

See ARI in action

Receivables overview

Illustrative workspace

Overdue
$486.2KCurrent overdue portfolio
ARI Handling
$392.7KRoutine work within policy
Needs Attention
$93.5K / 6 casesPrepared decisions for finance
Resolved This Week
$128.4KRolling flow metric · outside current overdue
Current overdue compositionARI handling + Needs attention = Overdue

ARI handling keeps routine, reversible work moving.

Six cases are ready for finance review.

Payment plan requested

Northstar Logistics

Outstanding
$47.5K
Aging
61 days overdue

RECOMMENDED NEXT STEP

Review the payment plan and modify the first instalment to reduce exposure.

Work moving automatically

Within policy

  • Brightwell Partners

    Continue monitoring the payment promise.

    $24K

    ARI handling

  • Lumina Systems

    Continue the scheduled follow-up.

    $31.2K

    ARI handling

ARI is handling 84 other overdue accounts automatically.

The handoff gap

Automation stops where the real work starts.

Rules can keep time. They cannot resolve the reason payment stopped. The first exception hands investigation and judgment back to finance.

Conventional automation

A fixed schedule, until the account changes

  1. Invoice
  2. Due date
  3. Reminder
  4. Reminder

Exception work

  • Dispute
  • Silence
  • Payment plan
  • Broken promise

The workflow stops. Finance gets the case back.

ARI

ARI takes over from there.

ARI assembles the context, prepares the decision and returns to execution after finance responds.

The operating model

One portfolio. Two operating lanes.

Routine work keeps moving inside policy. Each consequential choice arrives with why it surfaced, what ARI did, the decision required and what happens next.

Illustrative example data · Names and figures are not customer results

Overdue

$486.2K

ARI handling · $392.7K

Needs attention · $93.5K / 6 cases

Routine · within policy

ARI handling

Routine, reversible work moving within policy.

$392.7K

  • Brightwell Partners

    Continue monitoring the payment promise.

    $24K

    Promise to pay

  • Lumina Systems

    Continue the scheduled follow-up.

    $31.2K

    Promise to pay

  • 84 other overdue accounts

    ARI is handling these accounts automatically within policy.

    $337.5K

Human decision

Needs attention

Prepared human exceptions—not raw alerts.

$93.5K

6 prepared decisions

Prepared exception

Northstar Logistics

Payment plan requested

61 days overdue

$47.5K

Why it surfaced
A payment-plan request requires approval.
What ARI did
Assembled the confirmed invoice state, communications, payment history and policy context.
Finance decides
Review the payment plan and modify the first instalment to reduce exposure.
After the decision
ARI records the approved plan and monitors each payment promise.

Next prepared decisions

Full context and follow-through continue in the guided case review below.

2 cases

  • Fieldstone Group

    93 days overdue

    Unresponsive
    Why it surfaced
    No response after the policy follow-up sequence.
    Finance decides
    Review the account context before the next step.

    $18.5K

  • Apex Studio

    42 days overdue

    Invoice dispute
    Why it surfaced
    An invoice dispute requires human judgment.
    Finance decides
    Review the dispute context and select the next action.

    $12.8K

Queue remainder

3 lower-priority cases

Grouped in this illustrative view and included in the six-case total.

$14.7K

Guided exception lifecycle

See the decision, then see ARI keep moving.

Follow one prepared exception from the first signal to routine follow-through. Every case and figure shown here is illustrative.

Illustrative decision workspace

Guided · Reversible · No live actions

Stage 1 of 6: Signal. Exception signal identified.

3 examples · 6-case queue

Selected case

Northstar Logistics

Payment plan requested

Open balance

$47,500 outstanding

Age

61 days overdue

01 · Signal

Why this case surfaced

A payment-plan request requires approval.

Autonomous activity

Work without a prompt.

ARI keeps routine receivables work moving inside policy, records each change, and pauses when a decision carries consequence.

Illustrative activity · Not a live feed

  1. Payment received

    Outcome · Resolved

    Payment matched to the open balance.

    Case

    Orion Consulting

    Balance

    $16,400

    Boundary

    Autonomous

  2. Promise tracked

    The payment promise remains under monitoring.

    Case

    Brightwell Partners

    Balance

    $24,000

    Boundary

    Autonomous

  3. Case risk updated

    New account context changed the case priority.

    Case

    Lumina Systems

    Balance

    $31,200

    Boundary

    Autonomous

  4. Approval required

    The requested payment plan is ready for review.

    Case

    Northstar Logistics

    Balance

    $47,500

    Boundary

    Approval Required

  5. Follow-up sent

    A policy follow-up was sent after no response.

    Case

    Fieldstone Group

    Balance

    $18,500

    Boundary

    Autonomous

  6. Dispute detected

    The customer raised an invoice dispute.

    Case

    Apex Studio

    Balance

    $12,800

    Boundary

    Approval Required

How ARI works

An adaptive decision loop.

Every signal changes the case state. ARI understands the new context, chooses the next appropriate route, acts within policy, and returns with what happens next.

Consequence determines the route. Routine work continues autonomously; prepared decisions move to finance and return to execution afterward.

Incoming signals → Understand

Invoice state · payments · communications · promises · disputes

State changes continuously

Case intelligence

Understand

Combine invoice data, payment history, communications, customer context, promises, and disputes.

Understand → DecideCurrent case state

Case intelligence

Decide

Determine the next best action from the current case state.

Decide branches by consequence

Decide → Act

Routine and reversible work continues within policy.

Autonomous route

Decide → Escalate

Consequential decisions require human judgment.

Case intelligence

Escalate

Surface consequential decisions requiring human judgment with the context already assembled.

Human judgment → Act

Both routes converge on Act

Case intelligence

Act

Execute routine receivables actions and continue monitoring.

Act → New response → Understand

Payments, replies, promises, disputes, and human decisions become the next input.

ARI continues from the updated case state.

Control by design

Autonomous where it should be. Human where it matters.

There is no master autonomy setting. Each boundary follows the consequence of the next action, so routine work can move while judgment stays with finance.

Autonomous

Boundary follows consequence

Routine and reversible actions

ARI keeps work moving inside policy without waiting for a prompt.

  • Follow-ups
  • Information requests
  • Promise tracking
  • Reminder pauses
  • Scheduling

Approval Required

Boundary follows consequence

Commercial or relationship-sensitive actions

ARI assembles the context and recommendation before finance decides.

  • Payment plans
  • Material concessions
  • Account restrictions

Always Human

Boundary follows consequence

High-risk actions

ARI prepares the case; a person owns the consequential decision and execution.

  • External collections
  • Legal escalation

External collections and legal escalation are never autonomously executed by ARI. ARI prepares the case for human review; execution always remains with a human.

Policy levels are action boundaries, not a single global autonomy slider. A case can move between them as its state and consequence change.

Integration architecture

ARI is designed to sit on top of the systems your finance team already uses.

ARI would combine receivables context across system categories, apply policy at the case level, and coordinate the route back to resolution or a prepared human decision.

Category-led operating architecture

Accounting + CRM + Communications → ARI → Resolution / Human decision

Context sources

Designed to read

  • Accounting

    Invoices, balances, credits, and payment allocation.

    Supporting evidence · Payment state and matching signals for open balances.

  • CRM

    Account ownership, relationship context, and customer records.

  • Communications

    Messages, replies, promises, and dispute signals.

Receivables operating layer

ARI

Would combine case context, apply policy, and preserve audit history as signals change.

  • Case context
  • Policy controls
  • Orchestration
  • Audit history

Operating outcomes

Designed to coordinate
  • Routine path

    Resolution

    Would continue the approved follow-through and monitor what happens next.

  • Consequence boundary

    Human decision

    Would surface the context, recommendation and decision required from finance.

Planned integrations

Planned only. These connectors are not currently available.

  • Xero
  • NetSuite
  • Microsoft Dynamics 365
  • Outlook

Receivables intelligence

ARI learns from what happens next.

Each response and outcome becomes context for the next case decision.

  1. Case

  2. Decision

  3. Action

  4. Response

  5. Outcome

  6. Better next decision

Planned intelligence

These are future product directions, not current ARI capabilities:

  • Payment likelihood
  • Promise risk
  • Escalation risk
  • Next best action

What stays with finance

Your finance team shouldn't chase every overdue invoice.

ARI handles the routine. Your team handles what matters.

ARI by AIDLOE

ARI is a product by AIDLOE.