Insights

AI Is Moving Into AP and Finance

Are Your Processes Ready?

Finance leaders are putting artificial intelligence (AI) to work across accounts payable (AP) and finance. But most organizations are still learning how to turn early adoption into dependable, controlled execution.

Download AI in AP and Finance: From Interest to Impact, a new research report from Edenred Pay based on a survey of AP and finance leaders. Discover where organizations are using AI, which capabilities they value most, what is slowing broader adoption, and why human oversight remains essential.

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See Where Finance AI Stands Today

AI adoption has moved beyond discussion. Forty-three percent of organizations are running pilot programs, and another 43 percent have reached limited production deployment. But broad adoption remains uncommon, and finance leaders continue to verify AI-generated recommendations before acting on them.

The report examines the practical middle ground emerging in AP and finance: AI performs more of the routine work and analysis, while people retain authority over decisions involving invoices, payments, fraud, and cash.

Download the Report to Learn

  • Why employee productivity has become the leading objective for finance AI
  • Where organizations are seeing measurable productivity improvements
  • Why fraud prevention and payment automation leads planned AI investment
  • Which AI capabilities AP and finance leaders believe will create the most value
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The Findings at-a-Glance

86% have moved into pilots or limited production

Finance AI is active, but most deployments remain narrow in scope.

72% report productivity improvements of 11% to 25%

Organizations are realizing measurable gains, even before AI becomes deeply embedded in core processes.

61% identify fraud detection as a high-value capability

Payment optimization, predictive forecasting, and automated exception handling also rank among the leading opportunities.

65% cite data quality as a barrier

Difficulty proving ROI, security and compliance concerns, and system integration are also limiting broader adoption.

75% want human approval for fraud investigations

Invoice and payment approvals also remain firmly under human control.

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Industry Priorities Are Not All the Same

The report examines how AI priorities differ across four industries:

  • Property management: Productivity, fraud detection, and stronger control across properties and entities
  • Media and advertising: Automated exception handling, fraud detection, and better reporting
  • Golf and country clubs: Predictive forecasting, financial planning, and visibility into cash requirements
  • Hospitality: Fraud prevention, payment automation, and vendor management across multiple properties

See how the operating realities of each industry influence where AI can create value first.

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Find the Right Starting Point for AI in AP

Download AI in AP and Finance: From Interest to Impact to see what finance leaders are doing today and how your organization can move from experimentation to controlled execution.