人工智能（AI）现已成为金融部门的标准配置：目前有67%的金融团队正在使用一种或多种AI工具，这一比例较去年的56%有所上升，而2024年时仅为31%。
AI is now a standard feature in finance departments, with 67% of finance teams currently using one or more AI tools, up from 56% the previous year and 31% in 2024.
这是由Spendesk（一家专注于费用管理的公司）运营的金融领导者社区CFO Connect对215名高级财务人员进行的调查得出的主要结论。
That is the main finding of a poll of 215 senior finance staff by CFO Connect, a community for finance leaders run by the expense management company Spendesk.
该调查于6月至7月在法国、英国、德国和美国开展，受访者包括CFO及其他高级财务人员，他们来自各类企业（从初创公司到大型企业）。受访者可以从提供的工具列表中选择所需的工具，也可以自行指定他们使用的工具。Spendesk、Oracle NetSuite和Remote共同赞助了这份报告。
The poll was carried out in June and July among CFOs and other senior finance staff in France, the UK, Germany and the US. Respondents ranged from startups to large firms, and picked their tools from a list or named their own. Spendesk, Oracle NetSuite and Remote sponsored the report.
在各类AI工具中，通用型辅助工具最为受欢迎——其中Anthropic公司的Claude以41%的得票率领先，超过了Microsoft的Copilot、OpenAI的ChatGPT和Google的Gemini。而专为金融行业设计的AI工具则仍处于起步阶段。
General-purpose AI leads General-purpose assistants are in the lead, with Anthropic’s Claude securing 41 percent, beating out Microsoft’s Copilot, OpenAI’s ChatGPT and Google’s Gemini, while AI tools designed for the finance sector are only just beginning to emerge.
AI在金融领域的主要应用场景包括：财务分析（20%）、报告编制、模型构建与预测（各12%）、对账（9%）以及数据查询与工作流程自动化（各8%）。
The main uses of AI are fundamental finance tasks: financial analysis (20%), reporting, modeling, and forecasting (each 12%), reconciliations (9%), and data queries and workflow automation (each 8%).
与过去不同，如今团队不再为每项具体任务单独购买不同的AI产品，而是将AI功能整合到他们已使用的系统中。这使他们能够更高效地搜索电子表格、财务软件和文档，从而更快地完成日常任务。
Instead of purchasing a different AI product for each task, teams are adding AI features to the systems they already use. This enables them to search through spreadsheets, finance software, and documents, and helps them complete routine tasks more quickly.
7月，德勤对英国58位大型企业CFO的调查发现，73%的受访者对AI持乐观态度，但他们在这方面的支出仍较为谨慎。
In July, a Deloitte survey of 58 large-company CFOs in the UK found 73% optimistic about AI, though their spending stayed cautious.
Spendesk的首席财务官Pauline Babel表示：“很明显，金融团队并不急于购买更多软件。他们希望拥有一个统一的工作平台，而AI正在取代那些繁琐的手动工作，让员工有更多时间专注于更重要的决策。”
“It’s obvious that finance teams aren’t chasing more software,” said Pauline Babel, Spendesk’s chief financial officer. Babel added that teams want one joined-up place to work, and that AI is taking over manual jobs so staff can spend more time on bigger decisions.
与此同时，金融部门正在减少使用的软件数量：超过90%的团队仅使用六种或更少的软件工具；在受访者中，41%的团队仅使用一到三种工具，另有50%的团队使用四到六种工具。
Meanwhile, finance departments are reducing the number of software applications they use. Over 90% of them operate with six or fewer tools, and among those surveyed, 41% are able to do with one to three, while half use four to six.
很少有人打算对现有的系统进行重大改进或升级；三分之二的受访者计划维持现状，或者明年只购买一两个额外的工具。近四分之一的受访者则打算将所有业务流程整合到一个统一的平台上。
Very few people intend to make significant additions. Two-thirds plan to either keep their current setup or to purchase just one or two additional tools next year. Almost a quarter intend to transfer their processes to a single platform.
在大多数公司中，使用云会计系统中的电子表格（spreadsheets）已成为标准做法；小型企业倾向于选择符合自身需求的工具，而大型企业则更倾向于使用能够管理多个实体和多种货币的软件。
Spreadsheets hold on Cloud accounting is now the standard at the majority of companies, with smaller businesses choosing tools that meet their current requirements and larger ones looking for software that manages multiple entities and currencies.
在许多领域，旧有的工作习惯依然存在：五分之四的团队仍然主要依靠电子表格来进行规划和预测；另有7%的团队没有使用任何专门的规划工具。
Many old habits continue in various fields. For four out of every five teams planning and forecasting is still mainly carried out in spreadsheets, and an additional 7 per cent have no specific planning tool.
现金管理方面的情况也是如此：55%的公司使用电子表格来记录现金流动，17%的公司完全没有使用任何专门的现金管理系统。
The situation with cash is the same: 55 percent track it in spreadsheets, and 17 percent make use of no dedicated system.
采购管理是今年首次被纳入调查的领域，也是发展最滞后的环节——近三分之二的公司没有使用专门的采购工具来管理商品和服务的采购流程。
Procurement, which is being addressed for the first time this year, is the least developed area, as almost two-thirds of companies do not use a dedicated tool for purchasing goods and services.
发票管理方面，也有类似的情况：41%的公司没有独立的发票管理系统，因此只能依赖会计软件或ERP（企业资源规划）系统中的发票功能来完成相关工作。
Similarly, invoicing is also being absorbed: 41 percent of companies have no standalone billing tool and therefore make use of the billing features contained in their accounting or ERP software.
薪资管理和人力资源管理是数字化程度最高的领域，87%的公司都使用了专门的系统来进行这些工作。
Payroll and human resources are the areas that have been most digitized, with 87% of companies using a dedicated system.
然而，在支出管理方面，情况却恰恰相反：近四分之一的公司目前没有专门的支出管理系统（这一比例较去年的10%有所上升）。
Spend management, the market Spendesk sells into, moved the other way. Nearly a quarter of companies now have no dedicated tool for it, up from 10% last year.
Spendesk公司表示，这一调查结果连续第四年证明该公司在小型企业中的支出管理领域处于领先地位。不过该公司并未公布任何具体的市场份额数据来支持这一说法；完整的调查报告需要用户填写注册表才能获取。
Spendesk says the results confirm, for a fourth year running, that it leads spend management among smaller companies. It has not published any market-share figures to back up the claim, and the full report is behind a sign-up form.