Ignacio Kristof is a Principal Consultant and AI Solution Architect at DIFF Consulting. He combines more than 18 years of SAP finance expertise with hands-on Generative AI solution design. Ignacio began his career as a Public Accountant and is now a certified SAP Treasury and S/4HANA Cloud Financial Accounting consultant. He has contributed to treasury transformation on some of the world’s largest S/4HANA programs, including multi-country roll-outs for Sanofi and Accenture’s global treasury operations. Utilities are capital-intensive and rate-regulated, with heavy demands on cash and liquidity. For them, Ignacio brings a distinct view of how GenAI can strengthen financial operations: faster cash forecasting, automated bank and payment processes, and better audit readiness. His mix of finance knowledge and AI architecture helps utilities move from AI experimentation to measurable back-office value.