Platforma Payhawk (służąca do zarządzania wydatkami firmowymi) przeanalizowała dane ponad 1,4 tys. swoich klientów z całej Europy na temat wydatków na AI. W I półroczu 2026 r. wydały one na ten cel o 478 proc. więcej niż rok wcześniej. Typowa firma płaci za trzy narzędzia AI, a średnio pochłania to ok. 19 proc. wydatków na oprogramowanie.
Polskie firmy wyprzedzają w tym zestawieniu większość Europy. Sztuczna inteligencja pochłania w naszym kraju 31 proc. wydatków na oprogramowanie. Wyższy udział odnotowano tylko w Grecji (48 proc.) i na Litwie (34 proc.). W Wielkiej Brytanii, która według raportu wydaje na AI kwotowo najwięcej, udział ten wyniósł tyle, co europejska średnia – 19 proc.
Co ciekawe, Barometr AI EFL na drugie półrocze 2026 r. pokazuje, że aż 41 proc. polskich MŚP chce jeszcze bardziej zwiększyć swoje wydatki na AI. Pół roku wcześniej takie plany miało 25 proc. firm.
Według raportu Payhawk to najmniejsze podmioty wydają na AI najwięcej w przeliczeniu na pracownika. W I półroczu 2026 r. mediana dla wszystkich firm wyniosła 45 euro na pracownika. W firmach zatrudniających 5-20 osób było to aż 116 euro, a w firmach powyżej 250 osób zaledwie 11 euro. Zmienia się też struktura wydatków. Koszty modeli ogólnego zastosowania rosną wraz z wielkością firmy, za to wydatki na wąskie, wyspecjalizowane narzędzia szybko się stabilizują.
Szybki wzrost wydatków coraz trudniej jest zaplanować. W pogłębionych wywiadach, które zespół Payhawk przeprowadził z 28 dyrektorami finansowymi z Europy, 20 przyznało, że wydatki na AI w ostatnim roku przekroczyły budżet. 25 z nich spodziewa się, że w ciągu najbliższych 12 miesięcy budżety te będą wciąż rosły. Przekroczenia zdarzały się także w firmach, w których dyrektorzy finansowi dokładnie wiedzą, za jakie narzędzia AI płacą. Problemem nie jest więc brak wiedzy o samych narzędziach, ale tempo, w jakim rosną wydatki na nie.
Podobny obraz daje globalne badanie Futurum Group przeprowadzone wśród ponad 1,6 tys. menedżerów odpowiedzialnych za decyzje technologiczne w dużych firmach. Wydatki na AI przekroczyły plan w niemal co drugiej organizacji. Mimo to tylko 17 proc. z nich ogranicza lub wstrzymuje projekty AI. Pozostałe szukają sposobów, żeby je kontynuować. Najczęściej proszą o dodatkowe środki albo przesuwają koszty na kolejny okres.
Raport The Latest State of European AI Spend opiera się na danych ponad 1,4 tys. europejskich klientów Payhawk zatrudniających co najmniej pięć osób oraz na wywiadach z 28 dyrektorami finansowymi z Europy przeprowadzonymi latem 2026 r. Raport porównuje I półrocze 2025 r. z I półroczem 2026 r. Pełen raport pobrać można ze strony Payhawk: https://payhawk.com/ebooks/ai-spend-report
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