AI Adoption Has Not Improved Corporate Working Capital
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AI-assisted source synthesis · not an independent investigation.
On October 12, 2026, PYMNTS, citing the 《2026 Working Capital Index》 published by its Intelligence division, reported that corporate finance teams have broadly adopted artificial intelligence, but many companies have yet to translate it into working capital efficiency. The report shows that top-performing companies have an average cash conversion cycle of 39 days, compared with 63 days for the worst-performing middle-market companies. In terms of the predictability of financing needs, 70% of the financing needs of top-performing companies are predictable, compared with only 3% for the worst-performing middle-market companies. Top-performing companies are also more willing to have AI forecast cash shortfalls, determine when to draw on credit lines, and execute transactions exceeding $100,000.
AI-written from reports · updated 7 days ago
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- PYMNTSFinance teams embrace AI, but many businesses still struggle to unlock working capital
The PYMNTS Intelligence 2026 Working Capital Index shows that corporate finance teams are widely adopting AI, but many businesses have yet to translate it into working capital efficiency. Top-performing companies have an average cash conversion cycle of 39 days, compared with 63 days for the bottom-performing mid-market companies; 70% of the former’s financing needs are predictable, versus just 3% for the latter. Top-performing companies are also more willing to let AI forecast cash shortfalls, determine when to draw on credit lines, and execute transactions exceeding $100,000.
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