Beyond the hype

The 2026 State
of AI in Finance

86%
of finance leaders are already using AI
within their financial operations.
77%
have moved beyond experimentation,
viewing AI as a core strategic asset.

We didn't just ask AI.
We asked 500 financial leaders—including CFOs, VPs of finance, and heads of strategy—about their budgets, their breakthroughs, and their biggest takeaways.

Key findings

What’s in the report

01
Current adoption and usage
of AI tools
02
Barriers and challenges when using AI
03
The future of AI and financial operations

The AI hype is now reality. What’s the ROI?

See how modern finance teams are actually using AI right now.

Explore the BILL AI ecosystem

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About the study

The 2026 State of AI in Finance report is based on a market survey fielded by Logica Research in December 2025. We surveyed 500 finance leaders in the U.S. who either work in their company’s accounting or finance departments or in the C-Suite. These finance leaders work at organizations with fewer than 1,000 employees and less than $500 million in annual revenue.