Finance Teams Embrace AI but Many Still Struggle to Unlock Working Capital
AI adoption in finance is widespread but firms struggle to convert predictions into cash decisions.
In brief
AI adoption in finance is widespread but firms struggle to convert predictions into cash decisions. 97% of middle-market firms use AI in treasury but only 3% of bottom performers report predictable financing needs. Originally reported by Pymnts.
AI Adoption in Treasury
97% of lowest-performing middle-market firms use AI in treasury.
Cash Conversion Cycles
Top performers report cash conversion cycles averaging 39 days versus 63 days for bottom performers.
Predictable Financing Needs
70% of strongest firms report predictable financing needs versus 3% of laggards.
AI Forecasting Capability
93% of top performers allow ai to forecast cash shortfalls versus 69% of bottom performers.
Credit Line Decisions
Nearly 60% of top performers let ai determine when to draw on credit lines versus 48% of laggards.
Transaction Execution
19% of top performers allow ai to execute transactions over $100,000 versus none of bottom performers.
Working Capital Solutions
Bottom performers use external working capital solutions more frequently than top performers.
The headline
97% of middle-market firms use AI in treasury but only 3% of bottom performers report predictable financing needs.
