The research behind the product
Don’t take our word for it.See the facts. See what we built—and how it works.
The evidence starts with observed business behavior—not a small opinion poll. Large-scale transaction studies show the cash-flow volatility and financial fragility businesses actually experience. Official payment research and operational invoice data show the cost of late collections and preventable payment errors. Finance-leader surveys then explain why trust, integration, and measurable AI results remain unresolved.
These are different datasets, populations, countries, periods, and methodologies. We do not add them together or present them as one survey. Each figure is labeled exactly as its source reports it.
AI accounting has a trust problem.
VibrantaAI was built to create trusted, connected, visible accounting results—and show exactly what was checked, what was caught, what changed, what remains open, and what the owner should do next.
Observed business behavior at scale
See each fact, its source, and the solution we built.
We lead with real transactions, operating outcomes, payment behavior, and detected accounting errors. Each source links to the original evidence and includes the sample, period, methodology, and limitations that matter.
2.1Msmall businesses operating during 2025
Current operating-account evidence
JPMorganChase Institute 2026 Small Business Snapshot — Figure 1 and Methodology
The Institute analyzed 2.1 million small businesses with Chase Business Banking accounts that operated throughout 2025. In the nationwide sample, the typical firm held 17.6 cash-buffer days—meaning its cash reserves could sustain average outflows for less than 18 days if inflows stopped. The sample required active operating behavior and limited firms to one ZIP code and one industry.
Source: JPMorganChase Institute · 2.1M businesses · 2025 operations · Figure 1 “All”How VibrantaAI solved for it
Translate cash into time—and warn before the runway becomes critical.
VibrantaAI looks beyond today’s balance to expected collections, payroll, vendor obligations, accruals, taxes, and planned payments. Romy explains how long available cash can support the business and which action changes the outlook.
Cash runwayUpcoming obligationsCollection timingDecision impact
3.1Bactual transactions across 1.3 million small businesses
Observed transaction evidence
Growth, Vitality, and Cash Flows — Data and Finding Four
JPMorganChase Institute analyzed 1.3 million de-identified small businesses with Chase Business Banking accounts and more than 3.1 billion transactions from October 2012 through February 2018. It found that small-business cash flows were volatile, irregular, and potentially unpredictable. Firms with volatile expenses were much more likely to exit than firms with other cash-flow patterns.
Source: JPMorganChase Institute · 1.3M businesses · 3.1B transactionsHow VibrantaAI solved for it
Watch the timing, volatility, and consequence—not only the ending balance.
VibrantaAI compares revenue, expenses, payroll, collections, obligations, budgets, and prior periods. Romy identifies unusual timing or amount changes and connects them to cash pressure and the next owner decision.
Expense volatilityTiming changesBudget varianceEarly warning
27median cash-buffer days; one quarter had 13 days or fewer
Observed transaction evidence
Cash Flows, Balances, and Buffer Days — Findings Three and Data
A separate JPMorganChase Institute study used 470 million anonymized transactions from 597,000 small businesses from February through October 2015. The median business could cover 27 days of normal outflows if inflows stopped; 25% held 13 days or fewer, while the top quarter held more than 62 days.
Source: JPMorganChase Institute · 597K businesses · 470M transactionsHow VibrantaAI solved for it
Show cash after the commitments the bank balance does not explain.
Romy considers payroll, payables, taxes, accruals, planned payments, and expected collections before showing what is truly available, then warns when a decision would compress the cash cushion.
Cash after commitmentsPayroll forecastObligation timingOwner warning
1.5M+businesses affected by late payments each year
Official economic research
UK Late Payments Research 2025 — Key Findings
Research commissioned by the UK Department for Business and Trade and Office of the Small Business Commissioner estimates that late payments affect 28% of businesses annually. Businesses are owed £26 billion at any time—£17,000 on average per affected business. The estimated annual impact is almost £11 billion, 14,000 business closures, and 133 million staff hours spent chasing payments.
Source: Office of the Small Business Commissioner · official 2025 researchHow VibrantaAI solved for it
Make every overdue receivable visible—and connect it to the cash plan.
The owner sees exactly who owes money, the amount, age, promised timing, follow-up status, and cash impact. Romy prioritizes collections and prepares owner-approved follow-ups before overdue balances become a surprise.
AR agingCollection priorityCash impactFollow-up draft
$191Mrecovered from 10,800 incorrect supplier payments
Provider operational data
Basware 2023 invoice-payment analysis
Basware reported identifying 10,800 incorrect supplier payments caused by duplicates and fraud across $245 billion of spend, recovering $191 million. This is provider-reported operational evidence—not an independent survey—and it demonstrates the material cost hidden inside payment exceptions.
Source: Basware · 10,800 incorrect payments · $245B spendHow VibrantaAI solved for it
Flag the exception before the owner approves the payment.
Confidence Check™ looks for duplicate or unusual activity, missing support, vendor inconsistencies, and approval gaps. It shows the reason, source evidence, and resolution path while keeping consequential action under owner control.
Duplicate checkVendor anomalyMissing supportApproval gate
What finance leaders reported
The opinion studies explain the trust gap.
These three surveys total 5,020 respondents, but they remain separately reported supporting evidence. We do not use their combined count as the headline.
98%lacked complete confidence in cash-flow visibility
Exact study location
Visibility Challenges Undermining Responsiveness
BlackLine reports that nearly all respondents lacked complete confidence in their organization’s cash-flow visibility.
Source: BlackLine global survey · 1,339 respondentsHow VibrantaAI solved it
Show available cash after the obligations that matter.
Romy considers payroll, payables, taxes, accruals, planned payments, and expected collections before presenting what is truly available.
Cash after commitmentsPayroll warningCollection timing
68%said manual work leaves organizations vulnerable to errors
Exact study location
Visibility Challenges Undermining Responsiveness
BlackLine found that manual work creates error risk that can undermine business decision-making.
Source: BlackLine global surveyHow VibrantaAI solved it
Make every important check visible.
Confidence Check™ identifies potential exceptions, missing support, reconciliation gaps, and incomplete close work, then shows the reason and resolution path.
Pass/fail checksEvidenceResolve NowRerun
63%reported somewhat or completely siloed company data
Exact study location
The Data Imperative: Why Strong Data Management Matters
Workday explains that siloed data is a major barrier because AI depends on clean, contextualized information.
Source: Workday Global CFO AI Indicator · 2,355 executives, including 640 finance leadersHow VibrantaAI solved it
Connect the financial ecosystem—not just one ledger.
The owner view brings approved accounting, payroll, receivables, payables, accruals, documents, budgets, close status, and cash into one explanation.
Source mapFreshnessCross-system context
37%of CFOs did not completely trust their financial data
Exact study location
Responding to Business and Economic Disruption
BlackLine also found that 50% of senior finance and accounting professionals did not fully trust the financial data they worked with.
Source: BlackLine global surveyHow VibrantaAI solved it
Require confidence before recommendation.
Material answers carry source evidence, freshness status, test results, and the supporting accounting detail required for review.
Source-aware answersConfidence statusProfessional review
21%of active AI users reported clear measurable value
Exact study location
Trend 4: The Journey to Agentic Insights
Deloitte found that 63% were actively using AI in finance, but only 21% believed those investments had delivered clear measurable value.
Source: Deloitte Finance Trends 2026 · 1,326 finance leadersHow VibrantaAI solved it
Show the result—not an AI activity count.
The owner sees what was tested, which exception was caught, what changed after resolution, what remains open, and the next decision.
Visible resultsCompletion trackerBefore/after status
14%had fully integrated AI agents into finance
Exact study location
Trend 4: The Journey to Agentic Insights
Deloitte found a wide gap between experimenting with AI and embedding agents into actual finance operations.
Source: Deloitte Finance Trends 2026How VibrantaAI solved it
Put Romy inside specific accounting workflows.
Romy works through defined checks, briefings, close tasks, payroll reviews, and owner approvals with narrow permissions, visible limits, and resumable progress.
Defined workflowsApproval gatesAudit historyVisible limits
Where QuickBooks ends and VibrantaAI begins
QuickBooks is the accounting system of record. VibrantaAI is the complete accounting-department layer around it.
We describe QuickBooks fairly. QuickBooks AI can categorize and match transactions, assist reconciliation, analyze certain report anomalies, and provide summaries in eligible plans. VibrantaAI adds cross-system completeness, early-warning context, evidence, owner workflow, and accounting oversight.
Read QuickBooks’ exact AI capabilities
The comparison on our landing page is based on Intuit’s own current documentation—not a competitor’s interpretation.