Our vision of accounting by 2028

Every technology wave promises to revolutionise accounting. We prefer to start from the field: what we observe every day with the fiduciary offices we work with in four cantons. Their feedback shapes the choices our team makes.

Here is our vision of the profession by 2028, in six convictions.

1. Data entry becomes the exception

Today, a large share of a fiduciary office's time still goes into reading documents, matching them against the statement and entering bookings. By 2028, this work will be done upstream by AI, document by document, then period by period, with growing accuracy over time.

Manual entry will not disappear, but it will become the exception: the special case, the ambiguity, the document that calls for in-depth judgement.

2. AI moves into the fiduciary office

Accounting AI started in the cloud. We believe it will move into fiduciary offices. Specialised models are getting smaller and more efficient. A machine able to run them increasingly fits on a desk.

For a profession bound by confidentiality, the question will soon no longer be "which AI provider should we choose?", but "why should our documents leave the office at all?". FYSK has always been our starting point, so that our clients get this sovereignty even in the cloud. Kokonut Intelligence goes further: the whole chain, from the client profile to the entry, on premises, even without internet.

We present it in detail in Kokonut Intelligence, all of accounting AI at the fiduciary office.

3. Client context becomes an asset

An AI that does not know the client file produces plausible entries, not correct ones. What makes an entry right is context: the client's chart of accounts, its habits and much more.

This context can be formalised, versioned and carried from one AI to another: no need to wait for 2028, Kokonut Drop will be available from 02.01.2027. That is the role of the accounting profile it creates: the fiduciary office's knowledge, made understandable for any AI.

4. The accountant becomes a supervisor

Accounting AI agents will take on whole periods: matching the statement, linking documents, preparing entries, asking the client for what is missing. The accountant no longer does everything alone: they direct, review and decide.

FYSK Agent, currently in early access for our clients, already works this way: everything stays a draft, and nothing is posted without their approval. We showed it step by step in Delegating a period to FYSK Agent, from drop to review.

5. Accounting follows the business, continuously

When a document becomes an entry in seconds, there is no need to wait for the end of the quarter to know where a client stands. Documents come in as they happen, are processed right away, and closing becomes a check rather than a catch-up.

The fiduciary office can then talk numbers with its client during the financial year, not only after it.

6. The fiduciary's value shifts towards advice

If the machine prepares, people focus on what it does not do: understanding a business, anticipating, advising, guiding clients through structural choices.

We do not believe in accounting without fiduciaries. We believe in fiduciaries freed from data entry, who spend their time with their clients.

What will not change

• Responsibility stays human. AI suggests, the fiduciary approves.
• Professional secrecy is not negotiable. That is why the sovereignty of your data has been at the heart of our approach since Kokonut's development began.
• Trust is built over time. Every entry suggested by AI must be understandable, verifiable and traceable, today as well as in ten years.

Our road to 2028

We build Kokonut with fiduciary offices, based on their feedback and their day-to-day needs. If this vision speaks to you, we would be happy to discuss it with you and show you what Kokonut can already do today!