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MThere are two headlines about AI in business that seem to contradict each other. The first states that 95% of generative artificial intelligence projects do not generate any economic return. The second claims that SMEs that effectively automate their processes see an ROI of between 150% and 400% in the first year. Both are true, and understanding why they coexist is the key to not confusing the SME automation processes ROI of a press headline with that of your actual business.
The report «The GenAI Divide: State of AI in Business 2025,» by the MIT NANDA initiative, analyzed 300 public AI deployments and interviewed 150 executives. Its conclusion, highly cited in 2026, is that 95% of generative AI pilots stall without translating into a measurable impact on revenue or costs. The cause is not the technology: it is that most of these projects are generic pilots. Disconnected from a specific process and lacking baseline data that would allow comparing the before and after.
That 95% mostly refers to large corporate open generative AI projects, not the automation of specific processes in SMEs. There, the landscape changes: according to the ONTSI, only 36% of Spanish SMEs with more than 10 employees have implemented some type of automation, and among those that do so with a clearly defined process (billing, customer service, marketing), the first-year return typically ranges between 150% and 400%, with investment payback periods of between 2 and 6 months. The difference does not lie in the technology used, but in the size and clarity of the problem being tackled.
The most useful formula for an SME is simple: ROI = (H × C) (I/M) (T/M). H is the monthly hours saved by the automated process, C is the hourly cost of the profile that did it manually (the INE places the average labor cost in Spain at €22.8/h), I/M is the monthly cost of the tool, and T/M is the initial configuration investment amortized over the months of use. Without a baseline figure of how much time and money the process cost before, it is impossible to prove later that the automation worked; that is precisely the error that explains much of the MIT’s 95%.
Automated billing: reduces processing time from 45 to 10 minutes per invoice and errors by up to 94%.
Customer service with AI: documented cases of support cost reductions of up to 60% by freeing up hours of repetitive service.
Marketing automation: 76% of the companies that incorporate it achieve a positive return before twelve months.
Predictive inventory management: reductions in excess stock of up to 35% and in stockouts of up to 52%.
The patterns of failure repeat themselves: automating twenty processes at once instead of completing one before moving to the next. Choosing the tool before measuring the process; and treating automation as an isolated technological expense rather than a workflow change with a clear person in charge. The SMEs that do see ROI do the opposite: they diagnose a process. Fully automate it, measure the result for two or three months, and only then decide whether to scale to another process.
IT’s 95% and the 150-400% of well-executed SMEs are not incompatible figures: they represent the difference between launching generative AI without focus and applying process automation with a prior diagnosis. For any company that in 2026 wants to talk about SME automation processes ROI with its own figures, the first step is not to choose the tool, but to measure how much the process it wants to automate currently costs.
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