AI 技術賦能應收帳款催收流程轉型

Companies have traditionally tracked overdue accounts receivable, or AR, through month-end aging reports and static credit scores, offering little ability to predict payment behavior. Cash-flow pressure has intensified amid tariffs, interest-rate volatility and rising delinquencies. A survey by The Hackett Group of the 1,000 largest publicly traded US nonfinancial companies found that $1.7 trillion was tied up in excess working capital, including $600 billion in AR, while days sales outstanding, or DSO, had worsened for two consecutive years.

PYMNTS reported on April 16, 2026, that Truist Financial launched an AI-integrated accounts receivable platform in February that uses machine learning to automatically match checks and electronic payments with invoices. Billtrust said integrating invoicing, payments and collections can reduce DSO by 23% and payment days by 25%, with the three functions working together producing a further 34% reduction. However, 83% of companies have yet to fully automate AR, and they maintain an average of three ERP systems.