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No. 202641

Finance edition

in·klare·taal
Edition 202641 · Tuesday 6 October 2026 · Clarity since 2026

OpenAI is opting for a cheaper model. Meanwhile, AI agents and fraud mean new checks are needed.

What changes for you
Text cut into small pieces: tokens

Cheaper AI could lower the cost of each financial task

OpenAI holds back its strongest model and releases a cheaper version.

OpenAI releases GPT-6.1 Sol. For now, the company is holding back GPT-6.1 Astra for safety reasons. OpenAI says Sol performs almost as well for coding, using a computer and professional work. Sol costs about one fifth as much as Astra. That is around $2 per million input tokens and $10 per million output tokens. Tokens are small pieces of text that a model processes. You can use Sol through the API, ChatGPT Work and Codex. The API lets your own software use the model. For finance teams, this could significantly change the estimated cost of AI tasks. But a lower price per unit does not tell you the total cost of a workflow. The bill also depends on how much text and work the system processes. So do not compare model prices alone. Compare the cost of doing the same task, too. Work out the costs using your own usage before putting a saving in the budget. With an API, an organisation pays for each token. If the price per million tokens falls, the same input and output cost less. But the total bill depends on two things. How many tasks do you run? And how much text does each task process? So a cheaper model only brings costs down if you compare like with like. Have both models do the same tasks. OpenAI says Sol performs almost as well on the tasks mentioned. The source gives no independent comparison. It also gives no results for financial tasks. Astra is being held back for safety reasons. So do not assume Sol offers the same quality or carries the same risks for every process. A lower price per task may also mean extra checking work. That can happen if you need to review the result more often.

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Background for subscribers
What this means for you
Work out AI costs per task and keep checks in view

A lower AI price does not automatically mean lower costs per task. Calculate costs using your own usage. Also consider how much extra checking is needed. Reports about fraud and AI agents show why clear checking arrangements still matter. Test new uses first on data you can review.

AI can make your invoices more convincing fakes

Analyses describe how criminals use AI to create complete fake suppliers. They make fake forms and websites. Sometimes a voice agent answers when someone calls the number on the invoice. This is an AI programme that replies using a voice. The criminals then ask for a new bank account number. The source estimates that AI-generated receipts play a part in 70.8 per cent of expense claim fraud. That figure comes from the analysis provided. It does not say how much fraud there is in the Netherlands. The practical check remains the same. Treat a change of bank account number as a separate request. Confirm it through a channel you already know. Also ask a second person to check payments. Review this week how your team confirms changes to payment details. The trick combines different parts of a supplier's identity. A convincing website, forms and a copied voice appear to confirm one another. So calling the number on the new invoice is not enough. That number could belong to the same fake supplier. Use contact details you already had for the check. Checking every invoice more closely takes time. Focus especially on new account numbers and other requests to change payment details. The source gives no figures for the Netherlands on how widespread this fraud is. So do not use the percentage as a measure of risk in your own organisation.

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