# Small Businesses Open AI Payments Market

> Credit unions can tap SMB AI demand for cross-border payments.
- Title: Small Businesses Open AI Payments Market · Pymnts | Shortify
- Summary: Credit unions can tap SMB AI demand for cross-border payments. 75% of SMBs plan AI financial tools within two years, creating growth opportunities for credit…
- Keywords: small businesses, credit unions, ai financial tools, cross-border payments, smb, pymnts, business, finance, Small, Businesses, Open, Payments
- Source: Pymnts — https://pymnts.com/smbs/2026/small-businesses-create-big-openings-for-cross-border-payments
- Author: PYMNTS
- Published: 2026-09-24T08:00:39+00:00
- Read time: 1 min
- Topics: small businesses, credit unions, ai financial tools, cross-border payments, smb, pymnts, business, finance
## SMB AI Demand
75% of small businesses plan ai financial tools within two years.

> the practical ai opportunity why smbs want guidance before automation
## Business Size Gap
83% of high-revenue businesses want ai financial services.

> among smb generating more than one million dollars annual revenue
## Profit Gap
77% of profitable firms seek ai financial guidance.

> among businesses that earned profit in 2025
## Practical AI Needs
31% want ai for expense tracking and budgeting.

> some thirty-one percent of smbs expressed interest in ai expense tracking
## Credit Union Response
49% see ai as member attraction strategy.

> forty-nine percent of credit unions view ai and conversational assistants as member attraction
## Next Steps
Start with financial guidance before expanding ai capabilities.

> begin with financial guidance and conversational tools then expand as experience grows
## Key takeaway

75% of SMBs plan AI financial tools within two years, creating growth opportunities for credit unions.