Accounts receivable automation is one of the easier finance technology investments to justify, and one of the most often under-sold. The cash benefit is striking, the savings arrive quickly, and implementation is now measured in weeks rather than months or years. Yet plenty of AR projects stall at the approval stage. Usually that is not because the case is weak, but because it was presented as a software purchase rather than as a decision about cash, cost and risk. This guide

Coupa is one of the best-known names in business spend management, the category of software that brings sourcing, procurement, invoicing, payments, expenses and supplier management together on one platform. For many large organisations it sits alongside the ERP as the system employees use to buy things and the system finance uses to control and pay for them. Over the past year Coupa has also changed hands at the top and made a run of acquisitions aimed at putting AI agents to

Late payment is still one of the biggest drains on a finance team's time. Collectors chase the same customers every month, reminders go out from spreadsheets, and nobody can say with confidence which invoices will be paid this week. Collections software fixes that, but the market is crowded, and the right choice for a large global business on SAP is rarely the right choice for a growing business on Xero. This guide does one job: it names the collections software we think fits

Billtrust is one of the best-known names in B2B accounts receivable. Its platform covers invoicing and presentment, credit, cash application, collections, and payments through the Billtrust Business Payments Network, and it has a particularly strong following among North American distributors, wholesalers, and manufacturers. Billtrust handles more than $1 trillion in invoice value each year but organisations look at alternatives for a range of reasons: ranging from total cost

Every finance team knows the month-end pattern. Some invoices never reached the customer because a procurement portal rejected the upload. Payments have arrived, but the remittance details sit in an email attachment that nobody has matched yet. The collections team spends its week chasing the same overdue accounts with the same templated reminders, while Days Sales Outstanding (DSO) creeps upward and the cash forecast turns into guesswork. This might now be the point where fi

Pay technology has always mattered. In 2026 it matters more visibly than ever. The EU Pay Transparency Directive's transposition deadline passed on 7 June 2026. Only a handful of member states had national laws in place by then, with most still legislating, but the direction of travel is fixed: employers will need to disclose pay criteria, share salary ranges at the point of hire, and, for organisations with 150 or more employees, report on gender pay gaps from June 2027 usin

Coupa is one of the biggest names in enterprise procurement, built around a Business Spend Management model that covers sourcing, contracts, procurement, invoicing, and expenses in a single suite, and for large organisations with complex spend it remains a genuinely capable platform. But it is not the right fit for every organisation. As a vendor, they have been established and installed for a number of years - so it's reasonable that companies are looking at what their optio

Choosing compensation management software is an interesting decision that straddles the border between HR and the finance team. It's also changing in real time - with the EU Pay Transparency Directive becoming enforceable in June 2026 across all 27 member states, and several US states adding their own pay transparency requirements in 2025, the platform you choose now needs to stand up to regulatory scrutiny as well as run a smooth annual merit cycle. Getting the selection wro

If you have a shortlist of finance software vendors and need to move from that shortlist to a preferred supplier, a well-structured RFP is what gets you there without the process dragging on for months or the decision coming down to whoever gave the most polished demo. Our latest RFP template focuses on customers looking to buy a new finance solution. Viewpoint Analysis is a Technology Matchmaker: we help finance and IT leaders find and select the right technology fast. This

If you run finance for a mid-sized business and your team still lives in Excel for budgeting, reporting, and month-end close, Datarails is one of the vendors you have probably come across. Rather than asking finance teams to abandon spreadsheets for a new interface, Datarails automates the data collection and consolidation behind those spreadsheets, while leaving Excel as the front end. If you are using social media, you'll see Datarails is everywhere. This Vendor Profile aim

Viewpoint Analysis is a Technology Matchmaker, we sit between ERP vendors and enterprise buyers, researching the ERP market and helping the wider IT buyer community understand their ERP software options. A key part of what we do is help buyers not only understand a busy technology marketplace, but also navigate the selection process. As an ERP Software Selection Consultant, we provide a range of services all designed to take the weight off the purchasing team and get the righ

SAP is the largest ERP vendor in the world, and for decades SAP ECC has sat at the centre of finance, supply chain, and operations for a huge share of the world's largest organisations. Its successor, S/4HANA, is now the platform SAP wants every ECC customer to move to, and with mainstream maintenance for ECC ending in 2027, many businesses are being pushed into that decision on someone else's timeline rather than their own. That pressure, combined with the cost and complexit

Why the AP Portal Needs to Be Handled Better by AR Software: Our Viewpoint Series Ask most finance teams how their invoices reach a customer, and they'll describe a delivery choice: email, EDI, or a portal, depending on what the buyer wants. That framing is the problem. Email and EDI are transport. A portal is a gate - and gates say no. An invoice sent by email either arrives or it doesn't; a delivery failure is apparent and immediate. An invoice submitted into a customer's A

Most finance teams have automated invoicing, added AR software for collections and dunning, and built dashboards that track days sales outstanding. Cash application, the step where an incoming payment is actually matched to the right open invoice, is often still handled by hand: a person opening a bank statement, reading a remittance email, and deciding where a payment belongs. That gap is getting harder to defend in 2026, as a new generation of AI-native tools reach match ra

Who are Monk, the AI Accounts Receivable Software Company? Monk is a New York-based software company that builds AI-native accounts receivable (AR) automation for business-to-business finance teams. Founded by George Kurdin and Joe Zhou, the company came out of stealth in October 2025 and has grown quickly since, automating the invoice-to-cash cycle for a mix of AI-native technology companies and more traditional B2B businesses. The platform handles invoicing, collections, ca

Microsoft Dynamics NAV, the on-premises ERP platform many still know by its original name, Navision, is further along its end-of-life journey than most other legacy ERP platforms on the market. This is a challenge for NAV customers who still have this major software solution at the very heart of their business. Every version of NAV is already out of mainstream support, and Microsoft has never released a NAV version beyond 2018, choosing instead to put all its investment into

Oracle NetSuite is one of the most widely adopted cloud ERP platforms for fast-growing mid-market businesses, covering financials, inventory, order management, and CRM in a single system. They were the first mover in the cloud ERP market - so lots of companies have implemented NetSuite and are making decisions to replace it each year. Some customers have found that costs climb sharply as they add users, modules, and transaction volume, others are frustrated by how dependent t

ADP is one of the best-known names in payroll, with a product range that stretches from RUN Powered by ADP for small businesses through to ADP Workforce Now and ADP Vantage HCM for larger, more complex organizations. That scale is exactly why so many businesses end up looking elsewhere. Some have outgrown the tier they started on and find themselves paying for capability they never use, others are frustrated by implementation timelines, support response, or the cost of add-on

Every accounts receivable software vendor now claims to use AI. Some have spent two decades building the workflow engine underneath and are steadily layering machine learning and generative AI on top. Others have started from a blank page in the last few years, building AI agents that do the chasing, the matching, and the exception-handling themselves. There is a big difference between the two – the new AI-native category has the potential to be revolutionary for the accounts

Every finance team eventually outgrows its accounting system. The signs are familiar: month-end close taking longer each quarter, multiple entities forcing manual consolidation in spreadsheets, and finance leaders spending more time reconciling data than analysing it. In 2026, the shift toward cloud-native, AI-assisted financial management platforms has accelerated, with real-time consolidation, embedded compliance, and automated reconciliation now standard expectations rathe