小型和中型企业已从购买AI工具转向自行构建。在所有受调查的市场中，大多数企业在没有正式、有文档记录的审查的情况下进行构建，Pax8在周一发布的一项调查中发现。
Small and mid-sized businesses have moved from buying AI tools to building their own. In every market surveyed, most do it without a formal, documented review, Pax8 found in a survey published on Monday.
Pax8是一家总部位于丹佛的市场平台。它通过IT服务提供商向小型企业销售AI和云软件。它对美国、英国、德国和瑞典的1150名企业领袖进行了调查。调查结果构成了2026年第三季度中小企业AI脉搏报告。这是季度系列的第三版，也是首次覆盖欧洲的版本。
Pax8 is a Denver-based marketplace. It sells AI and cloud software to small businesses through IT service providers. It surveyed 1,150 business leaders in the US, the UK, Germany and Sweden. The results form the Q3 2026 SMB AI Pulse Report. It is the third edition of the quarterly series, and the first to cover Europe.
“中小企业正从使用AI工具转向将AI融入其业务运营的方式中，”Pax8总裁兼首席商务官尼克·赫迪在一份声明中表示。“机遇巨大，但围绕治理、安全、成本和问责制的新需求同样巨大。”小型企业正在构建的内容在使用AI的企业中，67%已经构建了至少一个目前正在常规使用的AI解决方案。另有19%正在进行原型开发。只有13%仅依赖现成的工具。
“SMBs are moving from using AI tools to building AI into the way their businesses operate,” Nick Heddy, Pax8’s president and chief commerce officer, said in a statement. “The opportunity is significant, but so are the new demands around governance, security, cost, and accountability.”What small businesses are building Of the businesses that use AI, 67% have built at least one AI solution that is now in regular use. Another 19% are prototyping. Only 13% rely solely on off-the-shelf tools.
在构建者中，52%正在开发将AI与其他业务系统连接的自动化工作流程。近一半（46%）正在构建或测试能够自主完成多步骤任务的AI代理。另外39%使用AI提供商的API构建了自定义集成，三分之一正在定制或微调模型。
Among the builders, 52% are developing automated workflows that connect AI to other business systems. Close to half (46%) are building or testing AI agents that complete multi-step tasks on their own. Another 39% have built custom integrations using an AI provider’s API, and a third are customising or fine-tuning models.
美国领先，使用AI的企业中有81%正在运行他们自行构建的解决方案。瑞典的这一比例为76%，英国为54%，德国为52%。瑞典在构建AI代理的企业中比例最高，达到55%。
The US leads, with 81% of businesses that use AI running solutions they built. The figure is 76% in Sweden, 54% in the UK and 52% in Germany. Sweden has the most builders working on AI agents, at 55%.
上个月，Meta为小型企业推出了Muse，将其AI代理与Shopify关联。
Last month, Meta launched Muse for small businesses, linking its AI agent to Shopify.
未获批准的AI在过去六个月中，使用AI的企业中有35%发现了影子AI。Pax8将其定义为未经官方批准运行的工具、工作流程或代理。瑞典的比例最高，达到55%。美国紧随其后，为42%，然后是英国的24%和德国的19%。
The AI nobody approved In the past six months, 35% of businesses that use AI discovered shadow AI. Pax8 defines it as tools, workflows or agents running without official approval. Sweden had the highest rate, at 55%. The US followed at 42%, then the UK at 24% and Germany at 19%.
内部开发的AI进行正式、有文档记录的审查比例在英国为23%，在瑞典为45%。在美国，36%的构建者有正式审查。另有41%使用一致但未记录的审查。
Formal, documented review of AI built in-house ranges from 23% in the UK to 45% in Sweden. In the US, 36% of builders have formal review. Another 41% use review that is consistent but undocumented.
关于员工如何使用AI的政策更为常见。大约40%的企业有文档化政策，35%有非正式指南。Pax8指出，这些政策并未涵盖企业自行构建的代理和工作流程。
Policies on how staff use AI are more common. Some 40% of businesses have a documented policy and 35% have informal guidelines. Pax8 noted that such policies do not cover the agents and workflows a business builds itself.
受访者提到员工自行构建的AI工具的风险。在所有市场中，数据安全或隐私暴露位列首位，被引用的比例在30%至35%之间。上个月，Dataiku的一项调查发现，81%的首席信息官缺乏对IT外部构建的AI代理的全面监督。
Respondents named the risks of AI tools that employees build. In every market, data security or privacy exposure topped the list, cited by 30% to 35%. Last month, a Dataiku survey found that 81% of CIOs lack full oversight of AI agents built outside IT.
账单高于预期 在过去一年为AI付费的企业中，49%收到的账单或使用费用高于他们预期的金额。这一比例在美国升至57%，在瑞典升至65%。德国最低，为33%。
Bills higher than expected Of the businesses that paid for AI in the past year, 49% got a bill or usage charge higher than they expected. That rose to 57% in the US and 65% in Sweden. Germany was lowest, at 33%.
美国企业通过基于使用量的定价（46%）、固定订阅（41%）和按座位定价（40%）付费。Pax8表示，基于使用量的费用最难预测。大约69%的受访者表示，如果采用成本相近的基于结果的定价，他们更有可能扩展AI的使用。
US businesses pay through usage-based pricing (46%), fixed subscriptions (41%) and per-seat pricing (40%). Pax8 said usage-based charges are the hardest to forecast. Some 69% said they would be more likely to expand AI with outcome-based pricing at a similar cost.
Pax8还询问了数据控制情况。十分之七的企业表示愿意为对供应商如何存储和使用其数据拥有更大控制权而多支付至少6%。在美国，这一比例为81%。
Pax8 also asked about data control. Seven in ten businesses would pay at least 6% more for greater control over how providers store and use their data. In the US, the figure was 81%.
节省的时间，花在检查上的时间 约69%使用AI的企业表示，AI至少腾出了一些容量。但55%的决策者个人每周花费三小时或更多时间审查、编辑或核查AI生成的工作，7%的人花费十小时或更多。在美国，68%的决策者每周至少花费三小时。
Time saved, time spent checking Some 69% of businesses that use AI said it had freed up at least some capacity. But 55% of decision-makers personally spend three or more hours a week reviewing, editing or fact-checking AI-generated work, and 7% spend ten hours or more. In the US, 68% spend at least three hours.
上个月，PwC对工人的调查发现，大多数人在AI技能方面落后。
Last month, a PwC survey of workers found most are falling behind on AI skills.
在所有四个市场中，广泛使用人工智能的企业比仍在实验阶段的企业更有可能感到自己领先于竞争对手。在美国，这一差距为63%对40%；在瑞典，为80%对24%。美国是唯一一个担心落后（38%）超过担心昂贵的人工智能错误（32%）的市场。
In all four markets, businesses that use AI extensively were more likely to feel ahead of competitors than those still experimenting. The gap was 63% against 40% in the US, and 80% against 24% in Sweden. The US is the only market where fear of falling behind (38%) outweighs fear of costly AI mistakes (32%).
调查方法 Pax8 在线对员工人数为5至499人的企业中参与技术决策的所有者、高管和经理进行了调查。在美国调查了400人，英国350人，德国和瑞典各200人。
How the survey was run Pax8 ran the survey online among owners, executives and managers involved in technology decisions at companies with 5 to 499 employees. It polled 400 in the US, 350 in the UK, and 200 each in Germany and Sweden.
总样本的误差范围约为2.9个百分点，德国和瑞典的误差范围为6.9个百分点。Pax8表示，较小子群体的结果应仅作参考方向理解。
The margin of error is about 2.9 percentage points for the full sample and 6.9 points for Germany and Sweden. Pax8 said results for smaller subgroups should be read as directional.
Pax8 与超过47,000家IT合作伙伴合作。其报告指出，这些发现表明，能够帮助小企业清点、保障和管理其构建的人工智能的合作伙伴将发挥日益重要的作用。
Pax8 works with more than 47,000 IT partners. Its report says the findings point to a growing role for partners that can help small businesses inventory, secure and govern the AI they build.