Xero has announced the latest development of its AI financial superagent, JAX (Just Ask Xero), designed to transform the way small businesses and accountants manage their operations. Built on Xero’s agentic platform, JAX learns how each business runs, automates routine workflows, and provides actionable insights to help customers make smarter decisions.
According to Diya Jolly, Chief Product and Technology Officer at Xero, this step marks a significant shift in the accounting industry. “JAX doesn’t just support today’s workflows; it continuously learns, adapts and acts to meet the evolving needs of business owners. By handling repetitive tasks and empowering our customers to focus on growth, relationships, and high value decisions, we’re seeing what’s possible for the future of work in the accounting industry, and we’re excited to keep expanding our AI offering,” she said.
Smarter automation and insights
Through one intelligent interface, JAX replaces scattered tools with a unified experience that adapts to each business’s needs. It can automate time-consuming tasks such as bank reconciliations, data entry, and payment processing, helping customers save time and stay compliant.
Beyond automation, JAX moves information beyond static reporting by offering timely, proactive suggestions. It draws insights from across customer accounts, connected applications, and even external research in collaboration with OpenAI. This allows users to explore their data in greater depth and receive financial recommendations tailored to their business circumstances.
Giancarlo “GC” Lionetti, Chief Commercial Officer at OpenAI, said: “With AI tools like JAX, small businesses can save time, work more efficiently, and grow. Collaborating with Xero is a great example of how we’re bringing the practical benefits of intelligence directly into the platforms businesses already rely on.”
Trust, security and growing adoption
Xero has positioned JAX not only as a productivity tool but as a trusted partner for businesses. Its proprietary JAX Assure control system reduces errors and improves accuracy, offering greater reliability compared to AI systems that rely solely on large language models. The system proactively identifies potential issues, ensuring financial data remains clean and accurate.
The introduction of these new features reflects the rising demand for AI-driven innovation among small business users. Since March, 73% of Xero customers have already used AI within the platform. In a recent survey of 300 small businesses in the United States, 51% of respondents planning to increase AI investment in the next year said that adopting AI was essential or very important to staying competitive.
Xero believes that JAX will play a central role in shaping the next phase of small business accounting by combining automation, intelligence, and trust within one system.
