A European Central Bank survey published on October 2, 2026 reveals that 72% of euro area firms plan to finance their artificial intelligence investments using internal cash flow or retained earnings. On a sample of approximately 5,000 firms polled between April and June 2026, external financing remains marginal: bank loans, grants, and leasing account for around 16%, venture capital 6%, and debt securities only 1%. About 70% of firms report some level of AI usage, but only 7% describe this usage as significant or intensive. These financing constraints, which cap European technology ambitions compared to their American competitors, could slow AI development in Europe.
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