Summary: Cash Intelligence is the specialized Zoe AI agent designed for ZoneReconcile users. Surfaced natively within NetSuite through the Zone Control Center standalone bundle, Cash Intelligence allows finance teams to ask and receive questions about Zone products and their own NetSuite and ZoneReconcile data using everyday natural language.
Use this article to learn about the Cash Intelligence agent, how to use the AI agent, best practices, use cases, example prompt ideas, and finally learn how and when to manage Zoe’s individual memories.
Note: Zone Control Center and Zoe mimic each user's NetSuite and Zone permissions. If users have limited access to NetSuite and Zone solution data, those permissions will be automatically applied within Zone Control Center. Therefore customers will not be able to query or see data that they do not normally have access to view.
Learn how your NetSuite administrator can install Zone Control Center and Zoe here.
What is the Zoe Cash Intelligence Agent?
Zoe by Zone is our agentic orchestration layer, built directly into NetSuite. Cash Intelligence is a Zoe AI agent that can pull data from any NetSuite and ZoneReconcile record.
Cash Intelligence was built with deep contextual understanding of NetSuite and ZoneReconcile. It has access to Zone’s KnowledgeBase/Help Center as well as each customers’ unique customizations.
Cash Intelligence is limited by each customer’s role and permissions. For example, if the customer has a limited view within NetSuite and ZoneReconcile, then Cash Intelligence is only able to use the information available to that customer given their role and permissions.
Image of Zone Control Center & Zoe Icon
How Do I Engage with Zoe Cash Intelligence Agents?
Each Zoe AI agent, like Cash Intelligence, uses a plain language conversational chat to engage with our customers on the frontend, but secure and robust deterministic AI on the backend. This means the responses are reliable and less likely to hallucinate than generative AI like ChatGPT.
To use Zoe Cash Intelligence, just ask questions in the 'chat'. Each submission counts as a single query - and you don't need to know SQL or how to build custom reports to get immediate answers.
Query Best Practices
- Be specific and add parameters
- Use date ranges
- Verify responses
- Iterate with follow-up questions
- Reset when necessary
- Split new conversations into new chat sessions
- Ask Zoe to remember critical information such as formatting and definitions. Learn more about Zoe's memories below.
Response Elements
When using Zoe's AI agents, there are three or four key elements in each query response: Summary Response, Results, Extended Analysis, and Suite QL Query.
Summary
Quick hitting response to the specific query.
Results
When responses include a list of at least 15 items, a separate “Results” element is provided to view the items in a table. When there are fewer than 15 items, the list can be viewed directly within the Extended Analysis. And in both cases, lists can be downloaded via CSV by selecting the download icon beneath all the response elements.
Extended Analysis
Responses always include an Extended Analysis - a longer analysis that looks at patterns, segmentation. Includes key findings and recommendations for next steps.
SuiteQL Query
The last part of every response is what makes this “Explainable AI". The Suite QL Query shows exactly how each request is completed and provides an opportunity to verify that AI interpreted the query as intended.
Save a Session with Zoe
Want to name a query so you can go back later and pick up the conversation again? Zoe automatically names and saves your sessions for 90 days. To delete or rename queries select the name in the upper left corner (#1 in the image below), find the drop down find the session you want to rename (#2 in the image below) and select the three dots next to it to rename or delete it (#3 in the image below).
Learn about Zoe's Memory in the section below to learn how you can curate what Zoe knows about you.
Available Metrics & Functionality
The current scope of Zoe Cash Intelligence is limited to operational metrics and will not include business metrics until the release of customization in Q4 2026. This is because the use of business metrics is too variable across companies to provide a consistently accurate experience for our customers without the customization capability.
Zoe Cash Intelligence can currently use the following operational metrics:
- Reconciliation Speed & Close Efficiency: On-Time Reconciliation Rate (%)
- Matching Engine Performance & Rule Quality
- Auto-Match Rate (%)
- No Match Rate (%)
- Custom Matching Rule
- Transaction Type
- Reconciliation Backlog & Aging: Outstanding Backlog Volume & Total Value
- Ledger Accuracy
- Reconciled vs. Unreconciled Cash Position
- Reconciliation Differences (Variances)
- Idle Cash
- Bank Feed Connectivity & Sync Health: Statement Import Success/Failure Rate
Cash Intelligence Uses Cases & Starter Prompts
Not sure where to get started? No problem! Check out the examples below.
Read through the following scenarios and open the drop down to read through prompt ideas for each scenario.
Unreconciled Bank Lines & Reconciliation Backlog
- Which bank account has the largest reconciliation backlog right now, and what's the total value?
- Show me the total value of lines unmatched beyond 30 days, and which bank account configs are responsible.
- Which bank lines are still unmatched this week and how old are they?
Transaction Types
- Show me a breakdown of transaction types for Account X and show me only the transactions which are created with ZoneReconcile
- I am new to this account: summarize how it reconciles, its quirks, its usual exceptions and who normally handles them.
- Which transaction types take the longest to reconcile?
Reconciliation Performance Reporting & Days-to-Reconcile
- Show me a statement date vs cleared date report for last month, including which lines reconciled late and by how many days.
- What percentage of our bank lines were reconciled on time this month, before month end close, provide a breakdown to show which accounts had the most unreconciled lines?
- Which accounts required the most manual intervention last month and what was the total manual match volume?
- Summarize this period's reconciliation status by bank account: matched, aged, and outstanding value.
Matching & Auto-Match
- Analyze the current reconciliation period and identify all unmatched bank lines exceeding £10,000
- What is the current reconciliation status for bank account X?
- Are there any unmatched bank transactions with the exact same amount?
- Which bank lines are still unmatched this week and how old are they?
- What % of statement lines auto-matched last month vs. needed manual review. Show results by bank account?
- Which accounts have the highest 'no match' rate?
- Which bank account has the slowest reconciliation times this month and what specifically is holding up the process?
- Show me the total value of lines unmatched beyond 30 days, and which bank account configs are responsible.
- How many transactions were auto-matched today?
- Show me instances where one bank line matches multiple book entries.
- Show me all transactions that are partially matched.
- How can I improve my matching rate?
Bank Statement Balances
- Which bank statements are to be processed?
- What is the last imported bank statement?
- What is the last reconciled bank statement?
- Find all bank payment transactions over £25000 from last week.
- Has customer xxx paid yet? Locate transactions in the bank statement if reconciliation and applied payment has not taken place.
- What is the statement balance at the end of [year/quarter/month]?
- What is the NetSuite bank balance at the end of [year/quarter/month]?
- Which statement imports failed or partially loaded this week, and what was the reason?
- Which bank accounts have not received a statement or feed update in the last 7 days?
Cash Position, Bank Balance, Discrepancies
- Show me the top 5 customers with the most reconciliation discrepancies.
- Show me a report by bank (ledger vs bank statement daily) to identify bank vs. ledger balance variances by day
- Which bank accounts have reconciliation differences, and how large are they?
- What is the root cause of each reconciliation difference?
- Show me the reconciled vs unreconciled balance for each bank account so I can see how much of the position is confirmed.
- Show me a 6-month trend of our total cash position by month.
- Which bank accounts hold the most idle cash?
- Are there any bank charges, fees, or adjustments that haven't been recorded in NetSuite?
Payment & Receipt Variance Analysis
- How much foreign currency payment difference was auto-written off to realised gain/loss vs. manually coded to a reason this quarter?
- Flag any payment differences that exceed our materiality threshold and are still unresolved.
Bank Reconciliation Fraud & Control Risk
- Show me a statement date vs cleared date report for last month, including which lines reconciled late and by how many days.
- What percentage of our bank lines were reconciled on time this month, before month end close, provide a breakdown to show which accounts had the most unreconciled lines?
- Which accounts required the most manual intervention last month and what was the total manual match volume?
- Were any bank reconciled transactions unlocked and modified in the last 30 days, and by whom?
- Show me any Direct Debit Reversals with an unusually high number of reversal attempts on the same invoice.
- Which bank lines were reconciled outside of business hours (7am to 7pm) or on weekends, flag control risks.
- Score every reconciliation performed in the last 30 days for fraud risk using transaction value, manual intervention, amount/date differences, user behavior, overrides, duplicate indicators, and segregation-of-duties concerns. Return the top 3 highest-risk reconciliations with a clear explanation and recommended investigation steps.
Zoe's Memory
Zoe AI agents were built with key memory elements to
- leverage all information you provide within each conversation
- remember the key information you provide between conversations
This was done to maximize the reliability of responses while minimizing the need to repeat prompts.
Why does this matter?
This improves Zoe’s ability to get you what you need, in the way you need with, without compromising reliability. You can ask Zoe AI agents to remember critical information about setup, formatting, preferences, and workflows. Zoe will remember this information between chats so you don’t have to share it every time.
How does Zoe's memory work?
Zoe has two kinds of memories: those within a conversation and those that get saved between conversations.
Within a conversation
Within a conversation (series of chats), Zoe agents will remember all/most of the information you've provided. This capability is similar to a single conversation with a person who remembers what you've just told them.
Most of the contextual awareness will reset each time a new chat is opened - unless customers ask Zoe to remember critical information such as preferences, account specific details, or workflows.
A customer’s chat history does not need to be cleared to “reset” the contextual awareness for each new session or conversation.
Key information remembered between conversations
Zoe builds a personal notebook about each customer, including:
- preferences
- account specific details
- Formatting
- workflows/responsibilities
This means that you don't need to re-explain your setup each time you start a new chat. And answers are tailored to your preferences.
How can I help Zoe remember or forget key information?
While Zoe will pick up on patterns and draw her own conclusions, you should manage her memories about you.
Periodically, or when your role changes, preferences shift, or responses aren't quite what you're expecting, ask Zoe "what do you remember about me"? Then tell Zoe to delete specific memories, clear everything and start fresh, or add new memories.