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The State
of Financial
Automation

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Essential insights and trends
transforming businesses
2025

Financial automation isn't the future—it's the now.
Find out why.

BILL and SMB Group teamed up to discover key trends, insights, and data from 750 SMB financial decision-makers.

What impact is AI having on businesses?

AI is helping finance pros eliminate busywork and be more strategic.
73%
of SMBs say AI is already impacting
their business
83%
say it will have a greater impact two years in the future
Chapter 01
Top macro trends
Inflation, recession risk, and cybersecurity threats are shaping financial strategies.
Chapter 02
Attitudes about financial automation and AI
Businesses view financial automation as key to success.
Chapter 03
Financial automation solutions
These solutions can help businesses save time and gain financial clarity.
Chapter 04
The role of integrated financial management software
A unified solution allows professionals to handle payments, receivables, and expenses in one place.
Chapter 05
Workforce challenges
Businesses are still figuring out the right mix of workplace locations.

Financial automation isn’t the future—it’s the now

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"AI is transforming businesses of every size and in every city, This data shows us the conversation around AI has shifted from 'if' to 'how'. It's an exciting moment for businesses as more and more of them leverage automation and AI to help drive growth, unlock richer insights, drive better decision-making, serve their customers and succeed. Businesses want AI integrated into their financial operations. It's all about using technology to empower people to do more, and do it better."
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Ken Moss
Chief Technology Officer
BILL
AI Enthusiasm

How much of a benefit is using AI for SMBs?

SMBs view AI as a beneficial tool for both strategic planning and everyday financial operations. Given these benefits, it's not surprising that 85% of finance leaders say they are very or somewhat enthusiastic about using AI.
Find out more in Chapter 2
Cybersecurity concerns

Is cybersecurity still a concern?

42% of SMBs identify cybersecurity as a key issue—up from 39% in 2024 and the third on the list as having the greatest impact on the financial strategies.
Learn more about cybersecurity concerns
AI financial solutions

Should vendors embed AI capabilities in their solutions?

85% of SMBs say they want vendors to embed AI capabilities in their financial solutions.
Download the report to learn more

About the survey

Bill’s 2025 State of Financial Automation survey, conducted by SMB Group, was fielded in December 2024. We surveyed 750 SMB financial decision-makers in the U.S. with 10-500 employees.

*In some instances, we compare these findings with data from our 2023 and 2024 State of Financial Automation studies, conducted in the previous years. These studies had similar sample sizes and employee and industry distributions.
Number of Employees
% of respondents
200-500
20%
100-199
27%
50-99
27%
10-49
26%
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