Xerocon Denver 2026: AI-powered workflows for small businesses and accountants

The impact AI can have for small business financial management is no longer something we’re pointing to on the horizon. It’s here, and it’s already reshaping how small businesses and their advisors work every day. 

Last month at Xerocon London, we introduced several AI innovations delivering automated workflows and actionable insights to 5 million customers around the world. And the impact is real: our Modern Practice Playbook research, found that practices using Xero’s AI capabilities save almost one working day per week on average, and save approximately $176,000 annually.

Today at Xerocon US, we showcased even more new AI-powered capabilities that streamline end-to-end financial operations for small businesses and accountants, extending that impact — and giving customers even more time to focus on the work that actually matters.

If you missed the opening showcase, you can watch the recording below, or read on for all the details.

The trusted system of action, powered by JAX

Xero has spent 20 years as the trusted system of record for small business financial data. With JAX, our AI finance partner, we’re powering the next chapter: a trusted system of action that doesn’t just surface information, but acts on it, with you in control.

Here is a quick recap of the JAX-powered capabilities we announced at Xerocon London: 

• The next evolution of Xero Partner Hub will bring live book health, work status and month-end readiness in the same view across all of a practice’s clients. Underneath are JAX-powered innovations that streamline the entire end-to-end journey, delivering verifiable automation with customers in control, including flagging unreconciled items, duplicates, missing documents, and anomalies and helping customers resolve them. And as those are addressed, because it runs inside the ledger everything updates in real-time. Once the books pass a health check, Xero Partner Hub will also surface conversations that are worth having like cash flow patterns or unusual P&L movements.
• Smart Document Capture reads source documents and pulls the data directly into Xero — no syncing, no separate app.
• Auto Bank Reconciliation matches high-confidence transactions to bank feeds in real time, and tells you exactly why it matched every single transaction, surfacing any exceptions that require human expertise. With more than 100 million transactions auto-reconciled since launch, Auto Bank Reconciliation continues to improve and in the coming months it will also handle more complex cases, like splitting a single payment across sales and fees.
• Document Requests in Xero Partner Hub is coming soon, where JAX will request documents from the client, send reminders, respond to clarifications, and then match it with transactions in Xero, all while making sure customers get to approve every step.
• Cash Flow Actions, powered by JAX, can spot potential cash flow gaps before they arise and help businesses build a plan to stay in the black. Payment Follow-Ups and Bill Protection work alongside — accelerating money coming in and giving businesses visibility and control over money going out.

[Coming soon] JAX can build scenarios grounded in actual Xero data with Scenario Planning, giving businesses and their advisors the clarity and context they need to make informed decisions. Customers will be able to model rising costs, a price increase, or a hiring decision and see the potential impact in real time. Together with the recently launched Industry Benchmarks, these capabilities put enterprise-level financial intelligence into the hands of every small business and their advisor.

Xero is the orchestration hub for financial workflows

Xero is expanding its native agentic capabilities and third-party integrations even further so we can serve as the orchestration hub that can help streamline and automate key financial workflows that drive small business and practice life.

• [Coming soon] XeroForce, the natural language custom AI agent builder powered by Xero OS, now features a new month-end agent alongside other pre-built templates for common workflows. This new agent will automate workflows that practices must tackle each month across each client, handling everything from reviewing document reconciliation status, right through to manual journal entries for prepayments and amortization, before providing customers with a complete account of its actions to review and accept. XeroForce is currently in early access with general availability later this year.

• [Coming soon] Xero continues to expand integrations that give customers even more flexibility to securely access and query their live Xero financial data directly from their everyday productivity suites .
  • Xero’s integration with Microsoft 365 Copilot announced in July is expanding soon into Microsoft 365 Excel, Word, PowerPoint and Copilot Cowork, where live Xero data flows straight into charts, tables, and documents.
  • The Xero OpenAI connector – a Xero plugin in ChatGPT that will be available in coming weeks across Chat, Work, and Codex, enabling customers to leverage their Xero data throughout ChatGPT.   
  • Soon, customers will be able to seamlessly switch between their practice’s client organizations while working across all of these integrations. This new capability ensures seamless access to real-time, client-specific data when and where advisors need it.

Building the trusted operating system for the agentic era

Every capability announced at Xerocon US sits within Xero OS, our AI-native operating system, and is grounded in Accountable Intelligence, AI that handles the routine reliably, accurately and at scale, while human judgement stays firmly at the helm.

This isn’t automation and technology for the sake of it. 

It’s clean data, reconciled books and filed returns without all the manual prep. Businesses who get paid faster and can proactively manage their cash flow better. 

It is about technology that gives businesses and their advisors more time to focus on the work that matters the most. That’s what we’re building towards.

I’m so proud of the team for delivering this pace of innovation, and even prouder of what our customers and partners are building on top of it.

Follow all the action from Xerocon US across our social channels — and if you’re here in person, come find us on the show floor.