The growing role of AI in B2B payments: an essential development in 2025

In 2024, AI became essential in business processes, including the management of accounts payable and clients. Tools such as Optical Character Recognition (OCR) improve the accuracy and efficiency of accounting tasks. However, 75 per cent of enterprises still use traditional methods, hampered by inherited systems and resistance to change. AI offers strategic opportunities to optimize costs, improve compliance and anticipate financial trends. In 2025, the adoption of AI in B2B payments will be crucial to remain competitive.

FACTS

• In 2024, artificial intelligence (AI) became an essential component of business processes, including back-office and financial services. Critical transactions such as accounts payable (PA) and accounts receivable (AR) management benefit from this transformation.
• In addition to the use of advanced algorithms, the tools used by the CDA, such as optical character recognition (OCR), are now able to scan and interpret invoices with almost perfect accuracy.
• This technology reduces human error and improves processing times. Similarly, automation of data entry, accounting reconciliation, and reporting generation frees teams for tasks with higher added value.
• One of the main strengths of AI is its scalability. Whether companies manage hundreds or millions of transactions, AI-powered systems adapt without the need for significant additional investments.
• Despite these advances, 75% of companies continue to use traditional methods such as paper cheques, according to a PYMTTS Intelligence report.

ISSUES

• Obstacles to overcome: The integration of AI is hampered by structural challenges, including legacy systems, data silos and resistance to change. Data quality is also essential: poorly structured or inaccurate data can reduce the effectiveness of AI tools.
• Strategic opportunities: Beyond operational efficiency, AI transforms financial functions into strategic levers. It helps optimize costs, better anticipate financial trends and make informed decisions over the long term.
• Compliance and simplification: In the face of increasingly complex regulation, the AI ensures better compliance while reducing administrative burdens, thus providing a significant competitive advantage to businesses.

PERSPECTIVE

• In the face of increased competition and economic uncertainty, companies are increasingly investing in AI to strengthen their resilience. According to PYMNTS Intelligence, 75% of financial managers plan to increase their investments in these technologies by 2025.
• Discussions at the "B2B Payments: Outlook 2030" event confirm that financial managers consider the AI as a major lever to optimize cash flows, automate operations and improve customer experience. In a market where agility is a key competitive advantage, AI offers tangible benefits: cost savings, increased accuracy and time savings.
• Companies that are slow to adopt these solutions risk losing ground with more innovative players. By contrast, those integrating these tools can turn their financial functions into growth catalysts. In 2025, the AI in B2B payments will not simply be a competitive advantage, but a necessity.

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