Many companies already automate invoice processing. As long as everything matches predefined templates, payments run automatically. But as soon as exceptions occur – price deviations, partial deliveries, new suppliers, or special terms – automation stops and manual approval is required. AI can detect these cases, but it cannot decide or act.

With a BOB, companies define binding rules for when payments are allowed. For example:

• Pay invoices up to €150,000
• Only if delivery is confirmed
• Only if no dispute is open
• Only for approved suppliers

AI evaluates each invoice against real-world data. The BOB decides whether payment is allowed. If the rules are fulfilled, payment is executed automatically. If not, it is blocked.

Automation no longer stops at exceptions. Decisions are executed autonomously within defined limits.

• Higher automation rate across real-world cases
• Fewer manual approvals
• Faster payment cycles
• Lower operational and compliance risk

‍‍This is the difference between automating processes and automating decisions.