1. Enabling AI Reconciliation for a Bank Account
Before AI can assist with reconciliation, it needs to be enabled for each bank account individually. There are two ways to do this:
Option A: Via the Bank Statement Page (Recommended)
Navigate to the Bank Statement page: Go to Accounting > Banking > Actions > Bank Statements, then select the bank account you want to enable.
Find the AI Enhanced Recon toggle: At the top of the page, you'll see an AI Enhanced Recon toggle switch.
Turn it on: Click the toggle to enable it. Joy Pilot will immediately begin processing your reconciled transactions into AI memory. You'll see a loading indicator while this happens.
Wait for processing to complete: Depending on how many reconciled transactions you have, this may take a few minutes. Once complete, you'll see a confirmation message.
Tip: Enabling AI via the Bank Statement page is the fastest option - your transactions are processed into AI memory straight away, and AI suggestions will begin appearing on the Bank Reconcile page immediately.
Option B: Via the Edit Bank Account Modal
Open the bank account for editing (Accounting> Banking): Navigate to your bank accounts list and click the Actions > Edit settings menu item for the relevant account.
Find the AI Reconciliation field: In the edit form, you'll see an AI Reconciliation dropdown with a purple wand icon.
Set to Yes: Change the value to Yes and save.
Note: When enabling via the edit modal, your transactions won't be processed into AI memory immediately. They will be picked up by the next scheduled background process, which runs automatically twice per day. This means it may take up to 12 hours before AI suggestions start appearing.
2. How AI Suggestions Appear on the Reconcile Page
Once AI Reconciliation is enabled and your transactions have been processed, you'll notice AI-powered suggestions when you visit the Bank Reconcile page:
Confidence Ring: Each unreconciled transaction may display a circular confidence indicator showing how confident the AI is in its suggested match:
Green (80%+): Strong match — the AI is highly confident.
Orange (50–80%): Moderate match — worth reviewing.
Red (below 50%): Weak match — the AI found something similar but isn't very confident.
Suggested Match: The AI's recommended accounting transaction (expense, sale, taking, etc.) will be shown alongside the bank transaction, ready for you to review and accept or override.
3. Refreshing AI Suggestions
As you reconcile more transactions over time, the AI has more data to learn from. To take advantage of this improved knowledge:
Navigate to the Bank Reconcile page for the relevant bank account.
Click the purple "Refresh AI" button: This button (with the wand icon) appears in the toolbar at the top of the reconciliation table.
Confirm: A prompt will ask you to confirm, as the process may take a few minutes.
Wait for completion: Joy Pilot will regenerate AI suggestions for all remaining unreconciled transactions using the latest reconciliation data.
When to use Refresh AI: This is most useful after you've reconciled a batch of transactions. The newly reconciled data helps the AI make better suggestions for the remaining unreconciled transactions.
Note: The Refresh AI button is only available to Users when AI Reconciliation is enabled for the bank account.
4. Ignoring a Poor AI Match
Sometimes the AI may suggest a match based on a previously reconciled transaction that isn't a good template - for example, a one-off or unusual transaction. You can tell the AI to stop using that particular transaction as a reference:
Find the purple "Ignore" link: On the Bank Reconcile page, next to transactions that have an AI-suggested match, you'll see a purple Ignore link with a ban icon.
Click Ignore: A confirmation prompt will explain that the source transaction will be permanently removed from AI memory.
Confirm: Click Yes, Ignore to proceed. The source transaction will be excluded from future AI matching, and the current transaction will be re-analysed for a fresh suggestion.
What this does: The "Ignore" action removes the source transaction (the previously reconciled transaction that the AI used as a template) from AI memory entirely. It will never be used for future matching suggestions. The AI will then look for the next best match for the current transaction.
Important: This only affects AI suggestions. It does not delete or modify any accounting transactions or reconciliation records. It simply tells the AI not to use that particular transaction as a reference point.
5. Disabling AI Reconciliation
If you no longer want AI assistance for a particular bank account:
Option A: Via the Bank Statement Page (Immediate)
Navigate to the Bank Statement page for the bank account.
Turn off the AI Enhanced Recon toggle: Joy Pilot will immediately remove all transactions from AI memory for this account.
Option B: Via the Edit Bank Account Modal
Edit the bank account and set AI Reconciliation to No.
Save: The transactions will be removed from AI memory during the next scheduled background process (within 24 hours).
6. Background Processing
Joy Pilot runs an automated background process twice per day that keeps AI reconciliation up to date for all enabled bank accounts:
New reconciled transactions are automatically added to AI memory, so the AI continuously learns from your latest bookkeeping activity.
Fresh suggestions are generated for any remaining unreconciled transactions, taking into account newly learned patterns.
Cleanup is performed for any bank accounts where AI has been disabled — ensuring their data is fully removed from AI memory.
You don't need to take any action for this to happen. It runs automatically in the background as long as AI Reconciliation is enabled for the bank account.