AI is catalyzing an AR/AP renaissance: beyond task automation, it delivers cash-flow intelligence (forecasting, fraud detection, smart payment timing, NLP-driven invoice matching) and is converging with payments—real-time rails, embedded payables/receivables, and even stablecoins for faster cross-border settlement. Cash pressures (rates, costs, volatility) make this urgent, yet adoption lags and integration/skills gaps slow progress. Winners align AI to business goals, embed payments within AR/AP workflows, simplify ERP integration, and invest in client education. Surging VC/PE and strategic M&A signal a fast-maturing, AI-first, payments-native finance stack.

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