The future of small business starts here, with Xero

As a global small business platform, the team at Xero is passionate about how we can make life better for our customers. We know that running a small business is hard, and more tech doesn’t always make it easier. In fact, it can often add to the problem. The reality is that one in four small business owners are overwhelmed by managing more than six different platforms each day, and this consumes two of their most precious resources: time and money. 

We believe the future isn’t about more software; it’s about smarter software. That’s why we’re so excited to have expanded our agentic AI capabilities, evolving JAX (Just Ask Xero) into an AI financial superagent. This isn’t just an upgrade; it’s the next chapter in our vision to empower smarter decisions through a reimagined experience, automated actions and workflows, and actionable insights on Xero’s trusted, agentic platform.

Bringing our AI vision to life: the evolved JAX experience

The new JAX experience is built with AI designed specifically for the complicated world of compliance and finance, and its four key pillars aim to empower you to work smarter and more efficiently than ever before.

• From scattered tools to Xero reimagined experiences: Through one intelligent interface, JAX will unify your entire business ecosystem and learn your rhythms, automatically adapting and creating an experience that’s unique to you.
• From manual busywork to automated actions and workflows that are just done, with your control: JAX will automate manual tasks and workflows like data entry, bank reconciliations, and getting paid, completing them in seconds with accountant-level accuracy and appropriate oversight from you or your advisor. This true ‘just done’ automation helps you move faster, stay compliant, and scale effortlessly.
• From static reports to actionable insights that move the needle: Combining deep insights from across Xero customers’ businesses and connected apps, as well as collaborating with OpenAI on web research, JAX will move information beyond static reports to deliver personalised, timely insights – like, key drivers behind this month’s revenue growth – without the manual effort. With a unified view, it spots opportunities and issues before you do, helping you explore your financial data and dig deeper with Xero’s advanced financial insights all in one seamless experience in Xero.
• From generic AI to a trusted partner built for you, with you: Our entire AI vision is built on a non-negotiable foundation: trust. We earn it by delivering on security, privacy, expertise, and a personalised approach. The combination is how we deliver more than just a tool: we build a trusted partnership. 

First, security: Our AI is built with the same robust security you already expect from Xero. Second, privacy: Keeping your data not only safe, but private is a top priority and we make sure we adhere to our responsible data use commitments. Third, expertise: JAX is not just another generic AI tool; it’s built specifically for the complex world of compliance and finance, combining our decades of accounting knowledge with your data in one integrated platform. This delivers insights that aren’t just reliable, but deeply contextual to your business. Finally, it’s built for you, and with you. We develop our AI hand in hand with our customers, and it continues to learn from your workflows, evolving with your needs over time.

A closer look at JAX’s new capabilities

JAX is your AI business companion and financial superagent. It will learn how your business runs, automate routine tasks with your oversight, and provide actionable insights. It’s designed to feel like you have a smart, adaptive team that grows and scales with your business, helping you move faster and make more informed decisions.

Starting this month (September 2025) and progressing over the coming months, you’ll be able to use JAX to:

• Get access to financial data, right at your fingertips: JAX will give you instant access to your cash flow, P&L and balance sheet data. For example, you can request a gross profit trend for the past year and see it visualised in charts and tables. This feature is rolling out first in Australia followed by the US, with more regions to come.

• Get strategic decision support, powered by real-time actionable insights: JAX will help with strategic business decisions, like giving you ideas on how to improve cash flow or comparing loan interest rates across banks. Whether you’re evaluating loan options or navigating tax changes, JAX will bring in timely external data to help you make smarter, tailored decisions.

• Get a clearer view of finances, faster: Soon, JAX will work alongside you to automatically reconcile bank transactions where there’s high confidence, giving you a reliable, up-to-date view of your finances sooner. You’ll have full visibility over this automation on the new ‘Reconciled’ page, where you can see bank and accounting details together. You’ll always be in control, with the ability to easily review or adjust any transaction JAX has reconciled for you.

• Get more done, more naturally: Thanks to advances in conversational capabilities, JAX understands you better, making tasks like generating insights or creating quotes and invoices feel smoother and faster. And, soon, JAX will not only help you create an invoice, it will also intelligently draft invoice emails, helping you transform routine emails into professional ones that get noticed.

Building for the future, together

With JAX, you get more than just a tool; you get a trusted partner. Xero’s AI is designed to make the relationship between small businesses and their advisors stronger, not weaker, because we believe AI should enhance human judgment, not replace it. You will always have the final say on what happens with your business.

We’re only just getting started and are committed to building for the future, so you can continue to thrive.

To learn more about Xero’s vision for the future, visit our AI vision page.