Top 10 AI Tools Every Finance Professional in Chile Should Know in 2025

Chile's finance teams are racing to adopt AI in 2025 because the Fintech Law and the rollout of the Sistema de Finanzas Abiertas are making customer‑consented data both accessible and regulated, which means models for credit scoring, fraud detection and personalised advice can be built - and audited - inside a clear legal frame (see Fintech 2025 - Chile).

Regulators such as the CMF are pushing proportional rules and a sandbox approach, so piloting predictive underwriting or anomaly detection is now a practical, supervised option rather than a risky experiment; meanwhile national strategy documents under the Chilean AI Policy 2021–2030 emphasise ethics, governance and adoption support that finance leaders need to plan for.

The result: teams that learn to use AI well can cut manual reviews and speed decisions, effectively turning locked filing cabinets of customer data into searchable, permissioned libraries - just the kind of skillset taught in Nucamp's AI Essentials for Work bootcamp to deploy AI responsibly at work.

Selection focused on practical fit for Chile's regulated finance environment: each tool was screened for alignment with the Fintech Law and the Sistema de Finanzas Abiertas (Open Finance) rollout, clear controls for data consent and cybersecurity, and a track record (or sandbox readiness) for CMF-style supervision; tools that accelerate fraud prevention, KYC/AML workflows and explainable compliance were prioritised because recent regional rules have tightened transaction authentication and chargeback procedures (see Fintech 2025 - Chile and LATAM fraud prevention updates).

Priority criteria included regulatory compatibility (API, consent and audit logs), demonstrable impact on core finance processes such as FP&A and order‑to‑cash (workflow automation, anomaly detection), vendor SLAs and evidentiary logging for audits, and explainability/low false‑positive profiles for AML and surveillance use cases - traits highlighted in RegTech and industry reviews.

Practicality matters: preference went to platforms that reduce manual review burdens while producing auditable outputs that survive regulator scrutiny, not just pilot demos; the result is a short‑list engineered to balance speed, governance and the “so what?” of faster, safer financial decisions in Chile's evolving market.

“With the right strategy, CFOs can create substantial benefits by deploying emerging technologies such as AI.”

ChatGPT can be a practical on‑ramp for Chilean finance teams that need faster, clearer reporting and client communications without losing control: use it to ingest large reports and summarize key findings, draft disclosure notes from templates, or turn a 1,000‑row spreadsheet into an executive‑ready paragraph in minutes, then always fact‑check and version the output (see DFIN's prompts for financial reporting).

It also helps produce board talking points, translate technical variance analysis into plain language, and create investor update drafts that save hours of manual writing - capabilities catalogued in the OpenAI finance prompts library - and can be embedded into tools or internal workflows.

Real gains come from pairing ChatGPT with human guardrails and prompt‑testing so outputs are auditable and bias‑checked; for practical prompt examples that accelerate month‑end close, refer to the Nucamp AI Essentials for Work syllabus (finance prompt examples for teams).

DataRobot's automated time‑series capabilities make forecasting and anomaly detection practical for Chilean finance teams that need reliable, auditable forecasts for cash‑flow, demand and treasury planning: the platform automates feature engineering, backtesting and multiseries modeling so teams can forecast dozens or thousands of SKUs and stores at once (DataRobot's example shows how millions of per‑store/SKU predictions are produced automatically), includes calendars and “known in advance” (KA) features to capture holidays and promotions, and surfaces feature lineage and compliance documentation to help pass regulator scrutiny; see the DataRobot time-series forecasting overview for how to set windows, KA variables and multiseries IDs.

For organisations that want a no‑code route, the July 2025 no‑code time‑series release speeds model creation and deployment so business analysts - not just data scientists - can run scenario forecasts, while built‑in MLOps monitors drift and replaces decaying models; read the DataRobot deployment and governance guide to learn deployment and governance options.

The real payoff in Chile: fewer last‑minute stockouts or surprise FX swings because models were already producing board‑ready forecasts - think of turning a noisy, 5‑million‑row history into a clean, week‑ahead plan.

Prezent turns the chore of slide-making into a strategic advantage for Chilean finance teams that must deliver investor updates, CMF‑grade board packs and client reports on tight cycles: its Auto Generator and Astrid agent convert raw numbers, notes or spreadsheets into polished, audience‑tailored decks in seconds, while Template Converter and the brand tools guarantee 100% brand alignment so every disclosure and footnote matches corporate templates (see Prezent's create page and brand compliance suite).

For month‑end or pre‑board rushes, the Overnight Presentations service means a draft sent at night can arrive the next morning as a designer‑quality, regulator‑ready deck, and the Synthesis tool produces executive summaries that condense long analyses into clear talking points - so the CFO can lead the discussion, not wrestle with fonts.

The upshot for Chile: faster, auditable presentations that preserve compliance, cut agency spend and keep the message consistent across investors, audit teams and the board (and yes, the platform is built for enterprise security and governance).

“Prezent eliminated 80% of the manual work, so we could focus on what really mattered.”

Alteryx is the utility belt Chilean finance teams need to turn messy, multi‑source Open Finance feeds and legacy ledgers into repeatable, auditable pipelines: its drag‑and‑drop Designer plus broad connectors make blending bank APIs, ERP extracts and spreadsheets straightforward, while advanced tools - Multi‑Row Formula, Batch Macros, Dynamic Input and In‑Database processing - automate complex ETL so a recurring month‑end job that used to take days becomes a scheduled run on Alteryx Server (with versioning, access controls and logging).

Analysts can build Analytic Apps for self‑service reporting, cache intermediate results to avoid reprocessing millions of rows during development, and push heavy transforms straight into the database to cut network time; these best practices and automation patterns are well explained in guides to advanced ETL techniques in Alteryx and hands‑on tutorials for workflow automation.

The payoff for Chilean finance: faster closes, fewer manual joins and a governed pipeline that scales from one CFO's board pack to enterprise forecasting across regions - all without deep coding skills.

Read more on advanced ETL techniques and workflow automation in Alteryx: advanced ETL techniques in Alteryx and the Alteryx tutorial and workflow automation guide.

HighRadius brings autonomous order‑to‑cash automation that matters for Chilean finance teams wrestling with delayed receivables and manual cash posting: its Cash Application Automation uses 10+ AI agents to reach 90%+ straight‑through cash posting and 90%+ item automation rates, eliminates bank key‑in fees and speeds exception handling by 40%+, turning a wall of unpaid invoices into same‑day cash postings that free teams to focus on liquidity and collections strategy (see HighRadius's cash application overview and a LatAm use case with Syngenta).

Built for enterprise integration, the platform plugs into existing ERPs and bank feeds so pilots can target working‑capital wins fast; partners such as EY highlight HighRadius‑enabled O2C as a lever to cut DSO and idle cash while improving dispute resolution.

For Chilean firms navigating Open Finance and tighter regulator expectations, HighRadius offers auditable automation with clear KPIs to measure the

“so what?”

- real cash, faster closes and fewer manual exceptions.

Zest AI brings machine‑learning underwriting that matters for Chilean lenders moving into the Open Finance era: models that claim 2–4x more accurate risk ranking than generic scorers and built‑in bias‑reduction can help expand access without raising portfolio risk, while explainable decisioning and policy controls make outputs easier to defend under CMF‑style audits; see Zest's underwriting overview for product details and integration timelines.

The platform promises faster, auditable decisions - auto‑decision rates in the 60–80% range, up to 80% of borrowers receiving instant outcomes, and workflow savings of up to 60% - and can be proved in short pilots (custom POC in ~2 weeks, integration often in ~4 weeks with “zero IT lift”), which is practical for regulated pilots in Chile.

Pairing these capabilities with industry explainability practices (SHAP‑style and hybrid scorecard techniques called out in sector research) helps teams balance higher approvals with lower delinquencies, while native fraud detection and vendor integrations (e.g., Temenos) fit enterprise loan‑origination stacks - so the “so what?” is simple: lenders can say yes to more creditworthy customers faster, with auditable logic and measurable risk reductions that support both financial inclusion and compliance in 2025 Chile.

“With climbing delinquencies and charge‑offs, Commonwealth Credit Union sets itself apart with 30‑40% lower delinquency ratios than our peers. Zest AI's technology is helping us manage our risk, strategically continue to underwrite deeper, say yes to more members, and control our delinquencies and charge‑offs.” - Jaynel Christensen, Chief Growth Officer

Upstart's AI-powered Credit Decision API is a plug‑and‑play way for lenders to deliver instant, risk‑based pricing and modernise origination without rebuilding customer journeys - the REST API plugs into existing flows, returns 100% instant pricing and uses 1,600+ data points to estimate default timing and price offers to a lender's credit policy (supporting personal, auto and student loans).

Control stays with the lender: configure score cutoffs, DTI limits and target returns while the model generates calibrated APRs and term options in real time, helping teams approve more qualified borrowers at scale; the platform's production pedigree includes 91M repayment events and $47.5B in originations as of 6/30/2025.

For Chilean finance teams exploring pilots under new Open Finance and sandbox frameworks, Upstart's combination of instant decisioning, configurable risk controls and claims of higher automated approvals makes it a practical option to test inclusive, auditable underwriting - see the Upstart Credit Decision API product page for technical and integration details and the Upstart analysis on how AI drives more affordable credit access for details on pricing, fairness and deployment.

“Upstart's Credit Decision API will enable us to increase the speed of lending decisions, better price applicants and more accurately assess risk, ultimately to better serve our customers.” - Ganesh Kumar, Chief Operating Officer, Oriental Bank

Cube's spreadsheet‑first FP&A platform is a practical fit for Chilean finance teams that need to keep familiar Excel and Google Sheets workflows while adding audit‑ready planning, version control and AI forecasting: its spreadsheet‑native design preserves existing templates (so say goodbye to “Budget_V11_final_final” chaos) and two‑way sync turns scattered ERP extracts and Open Finance feeds into a single source of truth, speeding month‑end closes and enabling always‑on scenario planning; visit the Cube platform overview: integrations, AI for FP&A and governance to see integrations, AI for FP&A and governance features in action.

With role‑based permissions, SOC2 controls and built‑in audit trails, Cube gives teams the controls regulators expect while delivering AI‑driven variance analysis and what‑if modelling that helps CFOs move from number‑crunching to strategy - read the hands‑on review for pricing and real‑world notes if you're evaluating a pilot in Chile.

“We've saved 10 hours per week and more than $300,000 annually with Cube.”

Vic.ai brings template‑free, autonomous invoice processing that makes AP a practical automation win for Chilean finance teams: its AI ingests invoices in any format (email, PDF, EDI), auto‑codes and PO‑matches across 2/3/4‑way scenarios, routes approvals with confidence thresholds and surfaces real‑time AP analytics to tighten controls and shorten payment cycles - features detailed on Vic.ai's automated invoice processing page and in their explainer on Vic.ai: What is AI invoice processing?.

Vendors with varied invoice layouts common in Chilean supply chains are handled without manual templates, so a shoebox of vendor bills can become an auditable dashboard overnight; Vic.ai claims up to 99% accuracy, 85% no‑touch invoice handling and 5× efficiency gains, while the platform's “Autopilot” and ERP integrations keep audit trails intact for regulator and audit reviews.

For finance leaders focused on cash‑flow and exception handling, Vic.ai is positioned to cut routine AP work and surface early‑payment discounts and spend insights that directly improve working capital.

“The AI accurately captures invoice data which significantly reduces manual entry.”

Darktrace's self‑learning Cyber AI is a practical defence for Chilean finance teams that must protect email, cloud, network and endpoints without adding more alerts to already‑stretched SOCs: by learning a company's unique “pattern of life,” it surfaces subtle anomalies (rare logins, inbox‑rule manipulation, early lateral movement) and uses Antigena's Autonomous Response to interrupt in‑progress attacks in seconds - stopping phishing, ransomware and account takeovers with surgical, targeted actions that quarantine only the threat while keeping the rest of the business running.

Deployments can start in Human Confirmation mode and move to fully autonomous response as trust grows, which means teams can buy back analyst hours and move from firefighting to proactive risk management; see Darktrace Antigena Autonomous Response overview and the Darktrace Cyber AI platform overview for how detection, email and cloud protection work together to reduce real operational risk.

“It took a little while to win over the trust of our team with Autonomous Response, but I wish I had done it sooner because it's that good.”

Begin piloting AI in Chile by choosing one clear, high‑impact problem (a slow cash‑application, invoice backlog, or month‑end variance review), assemble a small cross‑functional team and run a short, measurable POC with documented acceptance criteria; industry guidance stresses starting small and building skills first, so pair the pilot with staff training on Chile's risk‑based AI rules and governance needs to avoid surprises (Chile AI regulation overview).

Embed controls from day one - versioned datasets, audit trails and human‑in‑the‑loop checkpoints - so pilots meet CMF‑style scrutiny and produce auditable outputs, and align each use case with business metrics (reduced DSO, faster close, fewer exceptions) to prove value quickly, as recommended by finance transformation experts (Grant Thornton AI governance and rollout practices).

Upskill finance teams in prompt design, tool selection and sandbox testing; Nucamp's AI Essentials for Work 15‑week course is built to move teams from safe experiments to governed pilots - register and use the syllabus to structure your training and pilot plan (Nucamp AI Essentials for Work registration).

The payoff: tangible wins that cut manual work, tighten controls and make AI a repeatable part of Chilean finance operations.

“With the right strategy, CFOs can create substantial benefits by deploying emerging technologies such as AI.” - Ronald Gothelf, Grant Thornton