PYMNTS.com December 4, 2025
AI and automation are shifting enterprise-level financial capabilities to SMBs, democratizing access to advanced back office solutions.
BILL expects AI agents to absorb back-office tasks, reducing friction, lowering startup barriers, and freeing owners to focus on growth.
BILL sees its workflows, payments network, and distribution as its moat — and says empathy will be the key human advantage in an AI-driven world.
The great divide in American business has traditionally been defined by scale. The Fortune 500 enjoyed the advantages of large finance teams, sophisticated systems, and the operational resilience that comes from institutional infrastructure.
Small and medium-sized businesses (SMBs) were left to fend mostly for themselves, however they could, with whatever semi-diluted enterprise-grade tools they could afford to integrate.
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