Trevor Dodds's questions to BILL Holdings (BILL) leadership • Q4 2025
Question
Trevor Dodds from Bank of America requested a deeper explanation of the AI 'agents' opportunity within payables and payments, asking for specific use cases.
Answer
Founder, CEO & Chairperson René Lacerte detailed the strategic shift from a 'do it with you' to a 'do it for you' model, powered by AI. He emphasized that Bill's unique position is built on a massive dataset (over 1% of U.S. GDP) and deep customer trust. Mr. Lacerte provided several use cases for the agents, including automating document intake and routing, streamlining supplier management and onboarding, optimizing payment execution, and generating strategic financial insights for SMBs, effectively providing them with a virtual finance function.