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Billtrust's Financial Study of 2026

A newly released study from Billtrust reveals critical insights into how economic pressures, particularly rising costs and delayed customer payments, are reshaping the strategies of finance leaders in 2026. With 67% of surveyed organizations noting that their customers are now paying more slowly than they were six months ago, many are adopting aggressive automation and artificial intelligence (AI) practices to maintain operational stability.

Key Findings

The study, titled "Navigating Economic Headwinds: Why Cash Generation Has Become the Ultimate Competitive Edge in 2026," surveyed 550 finance professionals navigating a volatile economic landscape. Here are some of the critical findings from the report that underscore the urgency of effective cash management:

Slowing Payments Drive Defensive Strategies

The most striking statistic from the report is the fact that 67% of finance professionals are observing a slowdown in customer payments. This trend has led to 48% of companies implementing more cautious cash-management practices. Economic uncertainty has prompted nearly 70% of these businesses to either cancel, postpone, or shy away from major initiatives. Additionally, a significant 77% of respondents expressed concerns about the possibility of a recession affecting their sector.

Tariff Pressures Shape Costs

Another concerning factor recorded is the impact of tariffs on operational costs. 77% of respondents faced moderate to significant increases in expenses due to changing tariffs. In response, 85% of organizations have put in place strategies to mitigate these costs. These strategies range from passing increased costs onto customers and adjusting supplier networks to nearshoring and pre-purchasing inventory. Almost half of the companies surveyed are even incorporating cost buffers related to tariffs into their financial planning for 2026 and 2027.

Ramp-Up in AI Investments Despite Concerns

Interestingly, the study found that 65% of organizations are allocating at least 10% of their budgets towards automation and AI. 15% are dedicating over 25% of their budget in this area. A significant 79% reported measurable returns on their AI investments through advancements like improved forecasting and fraud detection. However, there is some apprehension among 59% of finance leaders, who believe that the current surge in AI spending might be indicative of a market bubble.

Lean Operations and Expedited Forecasting

The study highlights that 34% of organizations had to reduce their workforce in the previous year, and 23% instituted hiring freezes. To counter staffing limitations, 59% of firms are relying on AI technology. In fact, a robust 78% are reviewing their financial forecasts at least quarterly, with many shifting to monthly or continuous scenario planning. This reflects a broader trend towards rapid adaptability in financial strategies.

Conclusion

As noted by Billtrust's CEO Grant Halloran, current financial conditions necessitate a high level of agility. The industry's leaders are not only aiming to enhance cash generation but are also focused on integrating resilient practices into their operations. Halloran states, "Financial executives are building systems that can change direction in days, not quarters." In this context, the blend of disciplined cash management and AI-driven insights is enabling organizations to better navigate the economic uncertainties that lie ahead.

For a complete dive into the findings, the report can be accessed in its entirety via Billtrust's official channels. Understanding these insights can provide organizations with the knowledge needed to thrive in turbulent times.