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Index › Research › Buyer segments · October 2026 Edition
Buyer segments · October 2026 Edition

In 54 of 57 categories, the product the models put first changes with the size of the company asking.

Every category is asked on behalf of three buyers: a small B2B company, a mid-market B2B company, an enterprise B2B company. Each buyer gets its own standing, computed within its segment and never pooled. This page reads the fifty-seven standings side by side: three categories have one leader for every buyer, twenty-four change leader once across the three, and thirty have a different leader for each.

How often the leader changes

3one leader for every buyer
24the leader changes once across the three
30a different leader for each buyer

A product leads somewhere in 109 cases across the fifty-seven categories; sixty-five of those products lead in exactly one segment of one category and nowhere else. The public standing on each category page is the mid-market one; the other segments are one link away on every category page and are never added to it.

What this measures is the answer, not the buyer: the same models, asked the same six ways, told a different company size. Whether that reflects the products or the models' reading of them is not something the index can say.

Every category, every buyer

The leader and its share of first choices in each segment. A share is within its own segment: fourteen models, six framings, eighty-four answers.
CategorySmall businessMid-marketEnterprise
Corporate cards Ramp 68% Ramp 52% Ramp 34%one leader
Merchants of record Paddle 29% Paddle 28% Paddle 33%one leader
SaaS metrics ChartMogul 53% ChartMogul 49% ChartMogul 25%one leader
AML monitoring ComplyAdvantage 20% ComplyAdvantage 33% NICE Actimize 36%two leaders
B2B BNPL and terms Resolve Pay 33% Resolve Pay 56% TreviPay 41%two leaders
B2B credit management Chaser 27% Chaser 16% HighRadius Credit Cloud 73%two leaders
Business banking Mercury 35% Mercury 23% Rho 19%two leaders
Chargeback management Chargeflow 44% Chargeflow 24% HighRadius 30%two leaders
Contractor payments Gusto 42% Tipalti 22% Tipalti 25%two leaders
Corporate tax provision TaxAct Business 28% Thomson Reuters ONESOURCE Tax Provision 21% Thomson Reuters ONESOURCE Tax Provision 46%two leaders
Corporate travel managem Navan 37% Navan 53% SAP Concur 46%two leaders
Cross-border payments Wise Business 68% Wise Business 39% Airwallex 22%two leaders
Crypto accounting Breezing 47% Bitwave 27% Bitwave 57%two leaders
ESG and carbon reporting Greenly 48% Greenly 36% Workiva 37%two leaders
Embedded payments Stripe Connect 54% Stripe Connect 53% Adyen for Platforms 43%two leaders
Fixed asset accounting AssetAccountant 31% Sage Fixed Assets 34% Sage Fixed Assets 20%two leaders
Invoicing software Zoho Invoice 30% Zoho Invoice 24% NetSuite SuiteBilling 18%two leaders
Payment orchestration BlueSnap 19% BlueSnap 18% IXOPAY 21%two leaders
PSA BigTime 38% BigTime 29% Kantata 44%two leaders
Rebate management e-bate 26% Enable 52% Enable 57%two leaders
Revenue recognition Maxio 26% Maxio 20% Zuora Revenue 58%two leaders
Disclosure reporting IRIS CARBON 28% Workiva 32% Workiva 84%two leaders
Spend management platfor Ramp 58% Ramp 44% Coupa 56%two leaders
Stablecoin platforms Stripe Crypto 30% BVNK 23% BVNK 39%two leaders
Supplier management Precoro 27% Precoro 14% SAP Ariba 35%two leaders
Telecom expense mgmt Genuity 36% Genuity 19% Tangoe One Telecom 42%two leaders
Transfer pricing TPGenie 30% TPGenie 30% Aibidia 18%two leaders
AI accounting assistants QuickBooks Online 42% Sage Intacct 22% Vic.ai 15%three leaders
Account reconciliation QuickBooks Online 49% FloQast 33% BlackLine 63%three leaders
Accounting software QuickBooks Online 53% Sage Intacct 44% Oracle NetSuite 32%three leaders
Accounts payable automat BILL Accounts Payable 41% Ramp 22% Coupa 20%three leaders
Accounts receivable auto BILL Accounts Receivable 17% Upflow 17% HighRadius 78%three leaders
B2B payment acceptance Helcim 31% Versapay 19% HighRadius 25%three leaders
Board BoardPro 29% OnBoard 26% Diligent Boards 30%three leaders
Board portals BoardPro 54% OnBoard 49% Diligent Boards 53%three leaders
Business bill pay Melio 42% BILL 32% Tipalti 43%three leaders
Cap table management Eqvista 29% Carta 33% Shareworks 38%three leaders
Cash application BILL 16% Versapay 9% HighRadius 62%three leaders
Cash flow forecasting Float 35% Agicap 13% Kyriba 24%three leaders
Corporate performance ma Cube 15% Planful 22% Anaplan 30%three leaders
ERP systems Odoo 39% Oracle NetSuite 39% SAP S/4HANA 52%three leaders
Ecommerce fraud NoFraud 34% SEON 16% Trustpair 24%three leaders
Entity management EntityKeeper 23% Athennian 41% Diligent Entities 50%three leaders
Expense management Zoho Expense 37% Ramp 35% SAP Concur 68%three leaders
FP&A platforms Fathom 25% Planful 20% Anaplan 53%three leaders
Financial close manageme Numeric 25% FloQast 55% BlackLine 67%three leaders
Financial consolidation Joiin 46% Prophix 24% OneStream 63%three leaders
Financial modeling Google Sheets 19% Microsoft Excel 14% Anaplan 57%three leaders
Financial reporting QuickBooks Online 26% Sage Intacct 33% Microsoft Power BI 22%three leaders
Global e-invoicing compl Xero 20% Avalara E-Invoicing 25% Sovos Compliance Network 25%three leaders
Internal controls Vanta 14% FloQast 25% AuditBoard 23%three leaders
Lease accounting EZLease 20% FinQuery 29% Nakisa Lease Administration 32%three leaders
Procure-to-pay Precoro 28% Procurify 42% Coupa 43%three leaders
Sales tax automation TaxJar 33% Avalara AvaTax 32% Vertex 48%three leaders
Strategic sourcing Tradogram 31% oboloo 15% SAP Ariba 36%three leaders
Treasury management syst Agicap 19% Trovata 28% Kyriba 35%three leaders
Virtual data rooms Peony Data Room 29% iDeals 25% Datasite Diligence 46%three leaders

Cite this

Finance AI Recommendation Index, October 2026 Edition: buyer segments. finance-ai-index.com/research/buyer-size/. Published under CC BY 4.0. Every figure on this page is computed from the published edition and changes with it; the edition and its date are the citation.

The output is the models' output. Nothing here says the models can be steered, and nothing here is a recommendation by the index.