How are companies in the GCC adapting their Accounts Receivable processes in 2025 to improve cash flow?

Through the following:

- Real-time Payment Tracking.

- Customer Credit Scoring.

- Shorter Payment Terms.

In 2025, companies in the GCC (Gulf Cooperation Council) are adopting several strategies to improve their Accounts Receivable (AR) processes and enhance cash flow:

1. Automation and Digital Invoicing: Companies are using automated AR software and digital invoicing to reduce delays, errors, and manual follow-ups.

2. Credit Management Optimization: They are implementing stricter credit policies, real-time credit checks, and dynamic credit limits to reduce overdue accounts.

3. Electronic Payment Integration: Integration with online payment gateways and mobile banking facilitates faster collections and reduces payment friction.

4. Customer Communication and Reminders: Automated reminders, personalized follow-ups, and AR dashboards improve transparency and collection efficiency.

5. Data Analytics and AI: Predictive analytics and AI tools help identify high-risk accounts, forecast cash flow, and optimize collection strategies.

These measures enable companies to accelerate receivables, reduce days sales outstanding (DSO), and strengthen liquidity in a competitive market.

Automate everything and also To analyze and forecast data and to activate commercial discounts for early payment.

In 2025, many GCC companies are leveraging AI-driven credit risk assessment tools, implementing stricter payment terms, and using automated invoicing systems to accelerate collections. They are also adopting dynamic discounting to incentivize early payments, integrating blockchain for transparent transaction records, and partnering with fintech firms to provide clients with flexible payment solutions—all aimed at reducing Days Sales Outstanding (DSO) and enhancing cash flow stability.

companies should focus on boosting incoming payments and reducing outgoing expenses, while efficiently managing assets and liabilities. Below are the most practical strategies:

1. Accelerate Accounts Receivable

Shorten customer payment terms.

Offer early payment discounts (e.g., 2% if paid within 10 days).

Use automated invoicing and reminders (SMS/Email).

Promote offers encouraging immediate payment (cash or card).

Give incentives to customers who pay on the spot.

In 2025, companies in the GCC are improving cash flow by automating invoicing, using real-time payment tracking systems, offering early payment discounts, tightening credit policies, and adopting digital platforms for client communication and collections. This reduces delays and enhances liquidity.

As of 2025, companies across the GCC (Gulf Cooperation Council) region are increasingly modernizing and optimizing their Accounts Receivable (AR) processes to enhance cash flow, liquidity, and working capital efficiency. Here's how they're adapting:

GCC companies in 2025 are focusing on:
- Automating and digitizing AR.
- Using analytics and AI for better risk management.
- Offering flexible, customer-friendly payment options.
- Strengthening credit policies and regulatory compliance.

In 2025, the Cooperative Regional Cooperation Council (GCC) companies will significantly modernize their billing process (AR) to improve their digital transformation objectives, the development of regulatory landscapes (e.g. TVA mode), and cash flows for post-pandemis.

Companies in the GCC are increasingly leveraging automation, digital invoicing, and AI-powered credit risk assessments to streamline receivables. They’re also adopting dynamic discounting and real-time payment tracking to enhance cash flow visibility and collection speed.

• Increasing digital invoicing and automation.
• Applying stricter credit policies.
• Using factoring and supply chain financing.
• Enhancing collection strategies with AI and data analytics.