Discover how AI agents are transforming financial reporting, from building reports and diagnosing consolidation issues to unlocking deeper insights from connected financial data, while keeping accuracy, transparency and human oversight at the heart of the process.
Multi-entity data is complex: different charts of accounts, intercompany transactions, multiple currencies and several accounting platforms. Joiin brings that complexity together. Data from Xero, QuickBooks Online, Sage, Pennylane, Puzzle and Stripe is consolidated into one governed model, with FX and eliminations handled automatically. Joiin Intelligence sits on top, giving AI structured, connected financial data to work with from the outset.
But the opportunity goes beyond consolidation. Joiin can now bring financial and non-financial data together, giving AI a much broader view of performance. That is opening up new use cases across multi-entity groups, individual businesses and accounting firms managing multiple clients moving beyond reporting what happened to interrogating performance, identifying insights and understanding why.
For businesses, that can mean exploring performance across the whole organisation, not simply the finance function. For accountants and advisers, it creates an opportunity to interrogate client data faster, spot trends and issues, and turn reporting into more valuable insight and advice.
Ask. Natural-language questions on live consolidated figures. Instant analysis on any report, plus Ask Joiin AI, the chat assistant.
Act. AI Report Agents, each built for one job. Build Report creates reports and board packs from a plain-English prompt. Elimination sets up intercompany eliminations. Chart of Accounts finds and fixes duplicate or misclassified accounts. Balance Diagnosis pinpoints why a consolidated balance sheet is out. Every agent confirms before acting and shows exactly what changed.
Connect. The open MCP server brings Joiin data into Claude, ChatGPT, Copilot or any MCP client. The Excel Add-In pulls group figures straight into workbooks.
Your data stays securely within Joiin, with AI working within the same controlled environment as your financial data. The result: complex questions that once meant hours of digging through spreadsheets can now be answered in seconds.
Joiin Intelligence is evolving quickly, with new capabilities released every few weeks and shaped by how customers are using AI in practice. Recent developments centre on three areas: giving AI more context, giving users more control and bringing AI into more of the reporting workflow.
More context
AI that understands what you're looking at. Ask Joiin AI can now see the context of the Report Pack you're working in, including the companies, reporting period, currency and comparisons, so you can ask questions about the numbers in front of you without having to explain the context first. You can also ask it to analyse any Report Pack by name.
See agents at work. When Ask Joiin AI calls on a specialist agent, you can see which agent is working and what it's doing in real time.
More control
Choose the right AI for the job. Start with Ask Joiin AI or go directly to a specialist agent for tasks such as building Report Packs, opening reports, working with the Chart of Accounts or setting up eliminations.
Find balance sheet issues faster. Balance Diagnosis traces an out-of-balance consolidated balance sheet back to the company and stage causing the problem without making any changes to your data.
Control who can see what. User-level permissions can restrict access to journal and transaction detail across reports, Search, Intercompany matching and Joiin AI. Users can still see the figures they need while sensitive underlying data, such as payroll transactions, remains private.
AI in more places
Build forecasts with AI. Create three-way forecasts from actuals, then describe your assumptions in plain English and let Joiin Intelligence turn them into forecasting rules.
Turn reports into an executive summary. AI can generate an editable summary for a Report Pack, bringing together the key messages from the reports and data beneath it.
Finance data is moving into AI tools fast. A spreadsheet dropped into a consumer chatbot leaves the governed system behind. Where it's stored, who can see it and whether it trains the next model sits in that provider's terms, not the finance team's control. And the AI is working on unstructured data: mismatched charts of accounts, missing eliminations, mixed currencies. Confident answers, wrong numbers.
Joiin Intelligence works the other way round. AI runs on consolidated, mapped data that's already in the right shape, inside Joiin's secure environment. Customer data is sent only as a secure, on-demand request, never retained by AI providers and never used to train external models. AI only sees what each user is permitted to see.
In addition, Joiin's AI agents don't make silent changes. Every agent follows the same steps.
Act. The agent works only within its own task, such as eliminations or chart of accounts.
Verify. The result is checked against what was intended.
Roll back. If it doesn't match, the change is reversed and reported honestly. Every account, set or group touched is shown.
Connected AI using Joiin’s MCP
Joiin's MCP Server lets customers securely connect their financial data to AI tools such as Claude, ChatGPT and Copilot, without manual exports. Customers choose which tools to use, while Joiin remains the central source of financial data. Security and control are built into Joiin Intelligence, with AI respecting existing user permissions, customer data never used to train external AI models, and human oversight of AI-assisted actions. When connecting external AI tools through MCP, data is subject to the chosen provider's privacy and data protection terms, so Joiin recommends commercial or enterprise accounts for stronger protection. The result is greater freedom to explore AI, with the transparency, control and professional oversight that financial reporting demands.
"For consumer AI, you can argue that's an optional extra. For agents operating on financial data, we think it is non-negotiable."
Four Joiin Intelligence agents are now live in production.
Build Report Agent: describe a report and the agent builds it. Single reports or full Report Packs with multiple reports and charts, saved straight to Saved Reports & Packs. "Build a board pack for Q1 with P&L, balance sheet and cash flow" is all it takes. Refinements happen in the same conversation.
Eliminations Agent: sets up intercompany eliminations on request. New elimination sets, groups by account or by contact across multiple companies, account-level exclusions and optional netting adjustments.
Chart of Accounts Agent: scans for duplicate accounts and anything misclassified, such as an expense sitting under revenue. Merges, reclassifies or unmerges on instruction. Ideal for onboarding a new company or tidying up an existing group.
Balance Diagnosis Agent: when a consolidated balance sheet doesn't balance, this agent finds out why. Rounding, a source ledger, adjustments or eliminations, named down to the exact company and stage. Purely diagnostic and read-only.
Product roadmap
More agents are on the way. The pace of release this year reflects a simple commitment from the team at Joiin: ship as fast as the technology moves, on a foundation that doesn't need rebuilding each time it does.
Three principles shape what comes next.
Open by design. AI tools will keep changing. The data layer underneath shouldn't have to. Joiin's open MCP server already works with Claude, ChatGPT, Copilot and Cursor, and that commitment to openness continues. No finance team should be locked into one AI tool to reach its own numbers.
Joiin as the layer, not the destination. Joiin Connect, with APIs in and out, pushes group figures into warehouses, BI tools, ERPs and products, and pulls live data in from systems teams already run. The aim: numbers that stay current everywhere they appear.
Finance stays in control. Joiin Intelligence is optional and switched on by choice. Data is never used to train third-party models, never retained and never shared. Every new agent will follow the same Act. Verify. Rollback. as standard.
Discover what AI-powered financial reporting can do for your business. Joiin Intelligence, Joiin Connect and the MCP Server are all included in Joiin's 14-day free trial, with no credit card required.
Discover how AI is changing financial reporting at our free live webinar on 25th November at 3pm UTC. See AI agents, intelligent reporting and connections to your favourite AI tools in action, with time for your questions.
Want to explore how Joiin Intelligence could work for your business or clients? Book a personalised demo and see AI-powered reporting, automation and connected financial insights in action.
We're continually introducing new features, improvements and innovations across the platform. Explore the latest releases and see what's new with Joiin.
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