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67% of AI-using small and mid-sized firms run tools they built, Pax8 survey finds

Pax8's survey of 1,150 business leaders finds 67% of AI-using small and mid-sized firms have built an AI tool now in regular use. In every market most builders lack a formal, documented review, so governance, security and cost questions fall to the IT providers who serve them.

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Illustration accompanying 67% of AI-using small and mid-sized firms run tools they built, Pax8 survey finds
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Most US AI users build; 36% of builders review formally Pax8 survey, US results: shares of AI-using businesses, except formal review, which is measured among builders.

Three US figures from Pax8's survey: 81% of AI-using businesses run solutions they built; 36% of builders have formal, documented review; 42% of AI-using businesses discovered shadow AI in the past six months.

Most US AI users build; 36% of builders review formally
FigureValueNoteClaim
US AI-using businesses running solutions they built81%6
US builders with formal review36%4
US AI-using businesses that discovered shadow AI42%in the past six months7

What happened

  • Among builders, 52% are developing automated workflows that connect AI to other business systems, and 46% are building or testing AI agents that complete multi-step tasks on their own.
  • The share of AI-using businesses running their own builds is 81% in the US, 76% in Sweden, 54% in the UK and 52% in Germany.
  • Formal, documented review of in-house AI ranges from 23% of builders in the UK to 45% in Sweden.
  • In the past six months, 35% of AI-using businesses discovered shadow AI, a term Pax8 defines as tools, workflows or agents running without official approval.
  • 49% of businesses paying for AI over the past year were billed or charged for usage above what they expected, including 57% in the US and 65% in Sweden.

Why it matters

  • exposure A client that shows an IT provider its AI-use policy has shown nothing about its builds, because Pax8 noted such policies do not cover the agents and workflows a business builds itself.
  • cost Forecasting lands on whoever manages the account: usage-based pricing is the most-cited US payment route at 46%, and Pax8 said it is the hardest to forecast.
  • decision IT providers have to decide whether inventory and review of client builds is a priced service or part of existing support, since most AI-using businesses in the sample are building.

Users spend the time AI saves checking the output. In Pax8's survey, 55% of decision-makers put in at least three hours a week of their own time going over, editing or fact-checking work produced by AI, and 7% put in ten or more [13]. The US figure is 68% [14]. Teams tell themselves users get the hours back. And 69% of AI-using businesses did say AI had freed up at least some capacity [15].

The 67% is a pooled figure. In the US, 81% of AI-using businesses run something they built; in Germany it is 52%, a gap of 29 points [6][21]. The UK sits at 54%, 2 points from Germany [23]. Pax8 put the margin of error at about 2.9 points for the full sample and 6.9 for Germany and Sweden, and said results for smaller subgroups should be read as directional [20]. A 2-point difference is inside both margins; 29 points is outside them. The sample also spans companies with 5 to 499 employees [19], roughly a 100-fold range in headcount [24].

In the US, 36% of builders have formal review and another 41% have review that is consistent but undocumented [4]. That leaves 23% in neither group [22].

The shadow AI counts need the same care. Sweden reports the most, 55%, and also the highest formal review rate [7][4]. The UK has the lowest review rate and the second-lowest shadow AI figure, 24% [4][7]. In our view, "discovered" counts what firms went looking for as much as what exists, so a high number can mean a firm is checking.

Pax8 sells AI and cloud software to small businesses through IT service providers and works with more than 47,000 of them [16]. Its report says the findings point to a growing role for partners [17]. Nick Heddy, Pax8's president and chief commerce officer, said in a statement: "The opportunity is significant, but so are the new demands around governance, security, cost, and accountability." [18] The survey also found seven in ten businesses willing to pay a premium of at least 6% for more control over providers' storage and use of their data [12]. That figure is a stated preference.

For an IT provider deciding what to offer clients tomorrow, we'd sort every client build with two questions: does it connect to another business system, and does it act without a person reading the output first? Both kinds are common, since 52% of builders make connected workflows and 46% are building or testing agents [5]. A tool that answers no to both needs a line in an inventory. A connected tool that a person still reads needs a check on what data it touches. An agent working alone needs a spending cap. A tool that is connected and acts alone needs documented review before the next invoice. The tradeoff is that the other three quadrants get a lighter touch than the formal review that reaches at most 45% of builders in any market Pax8 reports [4].

What to watch

  • Whether the next quarterly Pax8 edition shows formal review of in-house builds rising above the current 23% to 45% range.
  • Whether AI vendors offer the outcome-based pricing that 69% of respondents said would make them more likely to expand.

Clarity's read

What the record supports and how the coverage leans. The claims behind it follow.

Reality

Evidence45
Adoption55
Hype gap+15
Incentives70
Confidence50
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  1. [1]

    Pax8 surveyed 1,150 business leaders in the US, the UK, Germany and Sweden for its Q3 2026 SMB AI Pulse Report, published on Monday.

    ReportedSupportedSource: Pax8 Q3 2026 SMB AI Pulse Report, as reported by The Next WebView cited source
  2. [2]

    Of the businesses that use AI, 67% have built at least one AI solution that is now in regular use, another 19% are prototyping, and only 13% rely solely on off-the-shelf tools.

    ReportedSupportedSource: Pax8 survey, as reported by The Next WebView cited source
  3. [3]

    In every market surveyed, most businesses that build AI do so without a formal, documented review.

    ReportedSupportedSource: Pax8 survey, as reported by The Next WebView cited source

Sources

1 independent publisher whose own reporting we read for this story.

  1. thenextweb.com

    1 article · October 13, 2026

    Two-thirds of small firms using AI now build their own tools, Pax8 finds

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