# 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.
- Title: Finance Teams Embrace AI but Many Still Struggle to Unlock…
- Summary: 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%…
- Keywords: working capital, treasury, cash conversion cycles, pymnts, corporate treasury, middle-market firms, financial efficiency, business, finance, Teams, Embrace, Many
- Source: Pymnts — https://pymnts.com/news/artificial-intelligence/2026/finance-teams-embrace-ai-but-many-still-struggle-to-unlock-working-capital
- Author: PYMNTS
- Published: 2026-10-12T08:02:28+00:00
- Read time: 1 min
- Topics: working capital, ai, treasury, cash conversion cycles, pymnts, corporate treasury, middle-market firms, financial efficiency, business, finance
## 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.
## Key takeaway

97% of middle-market firms use AI in treasury but only 3% of bottom performers report predictable financing needs.