Sriram P Krupakar

I design software.

Then I prototype it until it feels real.

Product designer working across complex systems, AI, and consumer experiences — from payments at BILL to streaming at Tubi.

Sriram P Krupakar

I design software.

Then I prototype it until it feels real.

Product designer working across complex systems, AI, and consumer experiences — from payments at BILL to streaming at Tubi.

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Pay Optimization with AI

A concept for how BILL could actively help small businesses stay ahead of late payments and cash-flow crunches — instead of just recording them.

Client

Client

BILL

Date

Date

2026

Services

Services

Product design, Concept exploration, AI strategy

Today there's a 2–3 week gap between scheduling a bill payment and it actually going out — and in that window, nearly 40% of payments get edited as customers juggle cash crunches, with over half missing at least one bill's due date entirely.

We explored what it would look like for BILL to actively manage that gap instead of leaving customers to do it manually: a Payment Agent that plans ahead, flags risk, and asks for a decision only when it matters — weighing confidence against consequence to decide when to act, when to recommend, and when to escalate to a human.

This is a concept design, not a shipped feature — built to test what proactive, AI-assisted cash management could look like inside BILL's existing workflow.