Embat
Embat is a European financial management and treasury platform with offices in Madrid, Munich, and London. It enables finance teams in mid-sized and large enterprises to manage reconciliation, forecasting, payments, and accounting in real time. Embat delivers real-time visibility and strategic decision making – eliminating up to 75% of manual finance tasks. Its in-house AI analyst, TellMe, acts like a real-time team member – flagging anomalies, predicting cash flow patterns, and offering data-backed recommendations – while keeping humans in control where it matters most.
The platform was founded by two former J.P. Morgan executives, Antonio Berga and Carlos Serrano, along with Tomás Gil, the former technology director at Fintonic Latam. Together, they lead a multidisciplinary team with experience in the financial and technological sectors.
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TEAM MEMBERS
Antonio Berga
Co-CEO
Carlos Serrano García-Lisón, CFA
Co-CEO
Tomás Gil
Chief Technical Officer






Cross-Border Payments and Treasury | From Bottlenecks to Efficiency
07-05-2025 | The cross-border payments sector is undergoing big changes in 2025. Wout, François from treasuryXL and Embat (Antonio ) explore how new technologies, regulations, and platforms are transforming cross-border payments
CurrencyCast: Cash is King: The FX Risk Perspective
02-04-2025 | In this CurrencyCast episode, we sat down with Antonio Berga (Embat) and Antonio Rami (Kantox) to discuss how new tools are helping finance teams work smarter.
Building a Smarter Treasury: The Embat Story
19-03-2025 | In this interview, we sit down with Toni Berga and Carlos Serrano, the founders of Embat, to hear their story
How automated banking reconciliation can improve financial decision making
03-03-2025 | Embat explores in depth how automated bank reconciliation can significantly improve financial decision making in today’s business environment.
Embat acquires Necto, strengthening its leadership in global corporate banking connectivity through APIs
25-02-2025 | Embat has acquired Necto, a US-based company and the global leader inpremium bank API connectivity
Direct and Indirect Cash Forecasting: Advantages and Disadvantages
11-02-2025 | There are two main methods for calculating cash flow: the direct method and the indirect forecasting method.