Billing remains one of the most mission-critical enterprise systems, with organizations investing millions annually to ensure accuracy, compliance, and trust. The arrival of generative AI raises a provocative question: could AI-native platforms replace billing systems as we know them today?
This Research Note examines current Gen AI capabilities in agile billing, highlights the potential disruption to SME-level billing platforms, and sets expectations for enterprise adoption over the next five to seven years.
While core billing logic still demands precision beyond today’s Gen AI, supporting functions like customer service, integration, data management, and implementation are already being reshaped by it. Vendors and buyers alike must balance opportunity with unresolved risks around data privacy, governance, compliance, and cost predictability.
Key Issues:
- What are core, peripheral, and edge use cases for Gen AI/ML in billing?
- What is the current state of Gen AI in agile billing today?
- Should users budget and prepare to pay for Gen AI capabilities?
- How should organizations address concerns over data privacy, governance, compliance, and data leakage?
Bottom Line:
Gen AI is rapidly finding a place in billing, but not yet at the core calculation engine. SMEs may soon see AI-native alternatives reshape the market, while large enterprises should expect AI-driven enhancements within incumbent solutions. Full Gen AI Billing Systems (GABS) are on the horizon, but widespread production use remains five to seven years away. Ignoring Gen AI in billing is not a viable strategy, but neither is betting everything on it today. To discuss more deeply how Gen AI will impact your billing system, please contact the MGI Research analyst team.
