How AI Is reshaping cross-border accounting & financial advisory



TL;DR

Tohme Accounting believes AI is becoming essential in cross-border accounting as firms manage growing regulatory complexity, faster reporting demands, and larger volumes of financial data. The firm uses a customized in-house AI system to support workflow management, data analysis, and advisory services while maintaining human oversight for strategic decision-making.

 

Tohme Accounting, a cross-border tax and advisory firm serving clients throughout Canada and the United States, sees artificial intelligence becoming increasingly influential in modern accounting. It observes that as financial activity expands across jurisdictions and regulatory frameworks continue to evolve, firms are adapting to larger volumes of data, faster reporting expectations, and more complex compliance requirements. 

 

You can see the shift in cross‑border accounting today. Companies are juggling multiple tax systems at once, and the firms supporting them are trying to keep up with rules that change constantly. Clients want answers fast, and they expect those answers to be backed by real‑time information,” founder Samer Tohme says. He adds that as these demands continue to increase, conversations around AI have moved beyond experimentation and into broader operational use.

 

Recent industry research reflects that momentum. According to a survey, 59% of finance leaders reported using AI within their finance functions, while organizations with more advanced implementations expressed growing confidence in the technology’s long-term value. Additionally, many finance leaders continue facing obstacles related to technical expertise, operational integration, and data management, illustrating how AI adoption involves much more than introducing a new platform into an existing workflow.

 

The implementation challenges continue to appear across the accounting field, where longstanding processes and structured workflows are common. Because of that foundation, transitions to new technologies naturally take time,” Tohme says. He notes that many firms are still assessing how AI fits within their operational models, especially when dealing with compliance-sensitive work that requires precision and review. Tohme adds that in some cases, uncertainty surrounding customization, oversight, and practical application has slowed adoption, even as demand for faster and more integrated financial guidance continues rising.

 

He believes much of the conversation surrounding AI becomes more meaningful when viewed through the lens of integration instead of replacement. “Accounting involves understanding context, identifying patterns, and interpreting how financial decisions connect to larger business objectives,” Tohme says. “AI expands the ability to organize information quickly, but professional judgment remains essential in translating that information into advice that fits the client’s situation.

 

That perspective has influenced how the firm developed its technology infrastructure. Instead of depending entirely on widely available third-party software, Tohme Accounting built a customized in-house AI system tailored to its internal workflows and client needs. The platform supports operational functions including organization, workflow management, data analysis, and client communication, while remaining under the firm’s direct oversight.

 

This level of control, Tohme explains, has become especially important in cross-border accounting, where businesses often navigate Canadian provincial regulations alongside U.S. federal and state tax requirements. He notes that legislative updates, filing obligations, and reporting standards can vary significantly between jurisdictions, creating an environment where information changes quickly and precision becomes increasingly important.

 

Within Tohme Accounting’s workflow, AI assists with organizing financial information, identifying regulatory developments, and interpreting quantitative data in real time. This allows the firm to evaluate how changes in tax legislation or reporting requirements may influence specific clients across multiple jurisdictions. As a result, advisors can dedicate more time to strategic analysis and personalized planning instead of manual data organization.

 

To work across borders effectively, you need visibility into how multiple systems connect at the same time,” Tohme states. “AI can help organize those moving parts efficiently, which creates more opportunity for meaningful discussions around planning, operations, and long-term financial decisions.

 

The growing volume of financial data has also changed how firms think about personalization, according to Tohme. Business owners seem to be increasingly expecting accounting relationships to reflect their operational priorities, timelines, and growth objectives. Maintaining that level of customization across hundreds of clients can become difficult without integrated systems supporting the process behind the scenes.

 

Tohme Accounting uses AI to organize client-specific information, operational details, reporting timelines, and strategic objectives so advisory recommendations remain connected to each client’s broader financial goals. That integration, as Tohme notes, also contributes to faster documentation processes, more efficient reporting preparation, and improved coordination across ongoing tax and accounting work.

 

At the same time, the firm maintains active oversight throughout the process. Tohme emphasizes that AI functions most effectively when paired with technical expertise and continuous review. “Technology can process information quickly, but accounting still depends on interpretation, experience, and accuracy,” he says. “Professional oversight remains an important part of ensuring the information supports the right financial decisions.”

 

As firms continue integrating AI into their workflows, Tohme notes that the profession itself is also evolving. He observes that more accounting professionals are spending time on advisory, analysis, and strategic planning while automated systems assist with repetitive administrative tasks.

 

Industry research suggests this transformation is becoming more widespread. According to an industry report, AI adoption among accounting firms increased from 9% in 2024 to 41% in 2025, with many firms integrating AI into workflows designed to improve operational efficiency, financial insight generation, and client service. The report also notes that firms are increasing investment in integrated technologies and advisory-focused services as client expectations continue evolving across international markets.

 

Tohme believes the future of accounting will continue combining technological capability with human expertise. “Clients value insight that connects financial information to practical business decisions,” he says. “AI contributes analytical speed and organizational support, while accountants provide interpretation, strategy, and perspective informed by experience.” Through its customized AI infrastructure and advisory-focused model, Tohme Accounting continues refining how technology can support precision, responsiveness, and personalized financial guidance within an increasingly international accounting landscape.



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Recent Reviews


The first time I encountered mesh Wi-Fi was when I went to university. One Wi-Fi password, but no matter where you roamed on campus you’ll stay connected. I’ve always thought of mesh networks as enterprise technology that you need an IT department to handle, but then router makers figured out how to make mesh easy enough for mere mortals.

Now I consider a mesh network the default for everyone, and if you’re still using a single non-mesh router you might want to know why. So let me explain.



















Quiz
8 Questions · Test Your Knowledge

Home Networking & Wi-Fi

Think you know your routers from your repeaters — put your home networking know-how to the ultimate test.

Wi-FiRoutersSecurityHardwareProtocols

What does the ‘5 GHz’ band in Wi-Fi offer compared to the ‘2.4 GHz’ band?

That’s right! The 5 GHz band delivers faster data rates but loses signal strength more quickly over distance and through walls. It’s ideal for devices close to the router that need maximum throughput, like streaming 4K video.

Not quite — the 5 GHz band actually offers faster speeds at the cost of range. The 2.4 GHz band travels farther and penetrates obstacles better, which is why smart home devices and older gadgets often prefer it.

Which Wi-Fi standard, introduced in 2021, is also known as Wi-Fi 6E and extends into a new frequency band?

Correct! 802.11ax is the technical name for Wi-Fi 6 and Wi-Fi 6E. The ‘E’ variant extends the standard into the 6 GHz band, offering a massive swath of new, less-congested spectrum for faster and more reliable connections.

The answer is 802.11ax — that’s Wi-Fi 6 and Wi-Fi 6E. Wi-Fi 6E adds support for the 6 GHz band, giving it far less congestion than the crowded 2.4 GHz and 5 GHz bands. 802.11be is actually the upcoming Wi-Fi 7 standard.

What is the default IP address most commonly used to access a home router’s admin interface?

Spot on! The vast majority of consumer routers use either 192.168.0.1 or 192.168.1.1 as the default gateway address. Typing either into your browser’s address bar will bring up the router’s login page — just make sure you’ve changed the default password!

The correct answer is 192.168.0.1 or 192.168.1.1. These are the most common default gateway addresses for home routers. The 255.x.x.x addresses are subnet masks, and 127.0.0.1 is your own machine’s loopback address, not a router.

Which Wi-Fi security protocol is considered most secure for home networks as of 2024?

Excellent! WPA3 is the latest and most robust Wi-Fi security protocol, introduced in 2018. It uses Simultaneous Authentication of Equals (SAE) to replace the older Pre-Shared Key handshake, making it far more resistant to brute-force attacks.

The answer is WPA3. WEP is completely broken and should never be used, WPA is outdated, and WPA2 with TKIP has known vulnerabilities. WPA3 offers the strongest protection, and if your router supports it, you should enable it right away.

What is the primary difference between a mesh Wi-Fi system and a traditional Wi-Fi range extender?

Exactly right! Mesh systems use multiple nodes that talk to each other intelligently, handing off your device seamlessly as you move around your home under one SSID. Traditional range extenders typically broadcast a separate network and can cut bandwidth in half as they relay the signal.

The correct answer is that mesh nodes form one intelligent, seamless network. Range extenders are actually the ones that often create separate SSIDs (like ‘MyNetwork_EXT’) and can significantly reduce speeds. Mesh systems are far superior for large homes with many devices.

What does DHCP stand for, and what is its main function on a home network?

Perfect! DHCP (Dynamic Host Configuration Protocol) is the unsung hero of home networking. Every time a device joins your network, your router’s DHCP server automatically hands it a unique IP address, subnet mask, and gateway info so it can communicate without manual configuration.

DHCP stands for Dynamic Host Configuration Protocol, and its job is to automatically assign IP addresses to devices on your network. Without it, you’d have to manually configure a unique IP address on every single phone, laptop, and smart device — a tedious nightmare!

What is ‘QoS’ (Quality of Service) used for in a home router?

That’s correct! QoS lets you tell your router which traffic gets priority. For example, you can prioritize video calls or gaming over a family member’s file download, ensuring your Zoom meeting doesn’t freeze just because someone is downloading a large update.

QoS — Quality of Service — is actually about traffic prioritization. By tagging certain data types (like VoIP calls or gaming packets) as high priority, your router ensures latency-sensitive applications get bandwidth first, even when the network is congested.

What does the ‘WAN’ port on a home router connect to?

Correct! WAN stands for Wide Area Network, and the WAN port is where your router connects to the outside world — typically to your cable modem, DSL modem, or ISP gateway. The LAN ports on the other side connect to devices inside your home network.

The WAN (Wide Area Network) port connects your router to your ISP’s modem or gateway — essentially your entry point to the internet. The LAN (Local Area Network) ports are for connecting devices inside your home. Mixing them up can cause your network to not function at all!

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Mesh Wi-Fi solves a problem most homes already have

The internet is no longer confined to one spot in your home

In the early days of home internet, there was no real reason to have Wi-Fi coverage all over your home. You installed the router in your home office, or near the living room, and that was enough. People didn’t have smartphones, tablets, or smart home devices that all needed access to the LAN.

As Wi-Fi devices proliferated, that central router became a problem. There’s only so much power you can push into the antennas, and the inverse square law drains that signal of power in very short order.

It was a problem that had many suboptimal solutions. Wi-Fi repeaters destroy performance, access points need long Ethernet runs, and Powerline Ethernet only works well in ideal conditions. Most older homes can’t provide that with their aging wiring. In short, trying to expand a central router’s reach has usually involved some janky mishmash of solutions.

A modern mesh router kit just solved that problem without any fuss. The biggest problem you’ll have is how to position them. Everything else is usually just handled automatically.

Brand

eero

Range

1,500 sq. ft.

Mesh Network Compatible

Yes

The eero 6 mesh Wi-Fi router allows you to upgrade your home network without breaking the bank. Compatible with the wider eero ecosystem, you’ll find that this node can either start or expand your wireless network with ease.


Mesh systems prioritize consistency over peak speed

Good enough internet everywhere

Top view of the contents of the Netgear Nighthawk MK93S mesh system. Credit: Jordan Gloor / How-To Geek

I think it’s important to point out that with Wi-Fi it’s much more important to get consistent and reliable performance wherever you are in your home than to hit crazy peak speeds. Sure, if you buy an expensive router, you can blast data when you’ve got line of sight and are a few feet away, but then you might as well just connect to it with an Ethernet cable.

For the price of one very fast centralized router, you can buy an entry-level mesh router kit and have fast enough internet everywhere, and never have to think about it again. I’m still running a Wi-Fi 5 mesh system in my two-storey rental home and I get 200+ Mbps minimum anywhere. If I need more speed than that on a single device, it’s going on Ethernet.

As prices come down on Wi-Fi 6 and 7 mesh systems, we’ll all eventually get access to that gigabit or better wireless tier, but I’d rather have a few hundred Mbps everywhere rather than a few Gbps in just one place and zero internet elsewhere.

Setup and management are finally user-friendly

Your dog could do it if it had thumbs

TP-Link Deco Mesh Wi-Fi Puck sitting on a desk beside two stacked books Credit: TP-Link

It’s hard to overstate just how easy modern mesh routers are to set up. After you’ve got the first unit up, usually by using a mobile app, adding more is generally just a matter of turning them on close to any previously activated router and waiting a few seconds.

As for the actual management of the network, on my TP-Link system you can see the topology of your network, how the pods are doing in terms of bandwidth, and you can automatically optimize for network interference and signal strength. The days of cryptic and largely manual router configuration are over. Even port forwarding, which has always tripped me up on old routers, now just works with a few taps on my phone screen.

The price argument doesn’t hold up anymore

There’s something for every budget

The biggest reason I think people have avoided mesh systems is cost. That’s perfectly fair, because mesh systems are more expensive than a single router. The thing is, prices have come down significantly, especially for mesh on older Wi-Fi standards.

But, even if you want newer Wi-Fi like 6E or 7, you don’t have to start your mesh journey with a full kit. You can buy a single mesh router, use that as your primary, and then add more as you can afford it. Even better, if you’ve bought a new router recently, there’s a chance it already supports mesh technology. It doesn’t even have to be that recent, since some older routers have gained mesh capability thanks to firmware updates.

If you already have a router that’s mesh-capable, then extending your home network any other way would be silly. Also, keep in mind that all the routers in your mesh network don’t have to be identical. That’s a common misconception, but the only thing they need to have in common is support for the same mesh technology. Just keep in mind that your performance will only be as good as the slowest device in the chain.


Mesh is for everyone

The bottom line is that mesh network technology is now cheap enough, mature enough, and easy enough that I honestly think everyone should have a good reason not to use it rather than looking for reason to use it. Wi-Fi should be like water or electricity. You want everyone in your home to have easy access to it no matter where they are. Mesh will do that for you.

The Unifi Dream Router 7.

9/10

Brand

Unifi

Range

1,750 square feet

The Unifi Dream Router 7 is a full-fledged network appliance offering NVR capabilities, fully managed switching,a built-in firewall, VLANs, and more. With four 2.5G Ethernet ports (one with PoE+) and a 10G SFP+ port, the Unifi Dream Router 7 also features dual WAN capabilities should you have two ISP connections. It includes a 64GB microSD card for IP camera storage, but can be upgraded for more storage if needed. With Wi-Fi 7, you’ll be able to reach up to a theoretical 5.7 Gbps network speed when using the 10G SFP+ port, or 2.5 Gbps when using Ethernet. 




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