Greek businesses are looking toward 2026 with cautious optimism and a focus on growth, increasingly utilizing technology and specifically Artificial Intelligence to improve their efficiency in payment management. As highlighted in the European Payment Report released today by the Intrum Group, which includes European companies across 20 countries and 15 sectors, Greek firms are entering 2026 with strong growth ambitions, a readiness for transformation, and an increasing use of technology as a factor for competitive advantage.
Growth as a priority – New practices to bolster customer loyalty
In alignment with the European average, and despite existing challenges particularly in the field of overdue debt, growth remains a priority for 63% of businesses. An indicative element is that, in order to enhance customer loyalty, 46% of businesses view the adoption of buy now/pay later solutions positively.
Pressure from payment delays and economic uncertainty
Despite signs of stabilization in the broader economic environment, Greek businesses continue to face significant challenges: 68% of companies are concerned that their customers and partners are struggling to settle invoices on time, thereby increasing the risks of financial instability. Economic uncertainty, including international factors such as trade policies and geoeconomic developments, concerns over half of businesses (55%), while inflation continues to trouble 53% of firms, demonstrating that the impact on costs and profit margins remains palpable.
Artificial Intelligence as a catalyst for efficiency
Artificial Intelligence is evolving into a catalyst for improving efficiency in payment management. Greek businesses show high levels of AI adoption and are already recording benefits in effectiveness, reduction of overdue debts, and time savings. Greek companies are actively adopting Artificial Intelligence in payment management, with 66% already using AI tools, a percentage consistent with the European average.
Competition and the need for immediate AI integration
63% state that the evolution of AI technology will significantly enhance the ability to manage overdue debts (compared to 56% in 2025), while 55% estimate that without the integration of AI tools into back-office functions, their business risks falling behind the competition. The message is clear: the question is no longer if, but when and how the technology will be adopted.
AI and customers: Opportunities and concerns
The use of AI in customer communication continues to occupy businesses, with 27% stating they rely increasingly on AI interfaces (chatbots, virtual assistants), while 22% believe that customers prefer such means when discussing overdue debts. At the same time, 4 out of 10 businesses report concerns regarding the risks of AI use, such as data protection issues, reflecting the need for greater trust, clear internal frameworks, and skill enhancement.
Consumers more positive toward Artificial Intelligence
While businesses may maintain reservations, the message from the consumer side is more optimistic. According to the European Consumer Payment Report for 2025, 34% of consumers state they would feel more comfortable discussing their financial situation with an AI bot.
AI as a tool for trust and better management
In this context, businesses can leverage this possibility to initiate transparent discussions regarding payment challenges earlier. Timely dialogue can lead to a structured repayment plan and accelerate the resolution of pending issues. In an environment where businesses are pressured to reduce payment times, effectively listening to customers and using AI as a tool for trust—and not just automation—can prove particularly valuable.
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