Business
AI Tools for Small Business in 2025: Stay Ahead of the Curve
How Small Businesses Are Using AI Tools
What kinds of AI tools are SMBs using, and which ones are best? ChatGPT is popular with consumers, and its functionality is simple for SMBs to adopt, Gualtieri suggests.
“While people are learning, the AI is getting smarter as well, so that means you won’t have to be quite the expert at entering a prompt as, say, you do now,” Gualtieri explains. In an ideal situation, AI models don’t require AI experts to run, just good software developers.
A safe bet are suites such as Adobe Creative Cloud, Microsoft 365 and Google Workspace, which incorporate AI capabilities. The AI tools are included automatically with the cloud and software subscription, Gualtieri notes.
“This is really just an extension of software features that every vendor has been trying to add to provide more value,” Gualtieri says. “If you’re already using Adobe, if you’re already using the Google apps for your business, you’re in those worlds already.”
For McCabe, there’s an added simplicity when AI is embedded into everyday workforce tools that SMBs use, such as customer relationship management software.
“For most SMBs, the easiest way to use AI — and probably the safest and most productive way — is as part of the applications you already use every day, so that it’s a seamless experience,” she says.
LEARN MORE: Adopt a winning AI strategy for your business.
According to experts, here are some of the best tools SMBs can use:
- AWS AI/machine learning tools: Amazon Web Services offers tools like Amazon SageMakerfor building, training and deploying ML models. AWS also offers AI services that include image recognition and natural language processing (NLP).
- Cisco Webex AI: Cisco’s web conferencing tool now offers AI-assisted summaries, real-time transcription and noise cancellation. In addition, an AI agent delivers humanlike interactions that customer service reps can use.
- Google Workspace AI: Google’s cloud productivity suite incorporates Gemini, which acts as a research analyst, sales associate, productivity partner, creative assistant and note taker. Other AI features include automated email drafting, advanced search in Gmail and data insights in Sheets.
- IBM watsonx: IBM watsonx uses AI to power chatbots, virtual assistants and data insights for stronger customer engagement. It’s an easy way for SMBs to build custom solutions for tasks such as customer support. “The idea of a chatbot has been around for a long time, but what’s new is how good it is now with generative AI,” Gualtieri says.
- Microsoft 365 Copilot: Microsoft’s AI tool integrates into 365 apps such as Word, Excel and Teams. Copilot automates repetitive tasks, generates content and allows SMBs to analyze trends and reduce manual work.
- Proofpoint AI: Proofpoint uses behavioral AI to detect phishing and other email threats. It analyzes data points in email using deep learning, large language models and NLP. “The great thing about AI and security is scale and speed. These AI tools can look at what’s going on in your systems and flag problems, so they can help you with everything from threat detection to strengthening your security posture,” McCabe says.
- Splunk AI-powered security and observability: Splunk uses AI to analyze logs, metrics and traces for proactive threat detection and performance monitoring. It also strengthens cybersecurity measures for organizations. “Any type of product like Splunk, which essentially ingests a lot of data like log data and event data, it already has algorithms looking for problems,” Gualtieri explains. “And those problems could be security issues, but they could also be infrastructure issues.”
- VMware’s Private AI Foundation with NVIDIA: VMware by Broadcom incorporates NIM Agent Blueprints, which includes a digital human workflow for customer service and tools to build customized AI applications.
DIVE DEEPER: Data governance strategies help foster responsible AI usage.
How Small Businesses Can Stay Ahead of the Curve With AI to Compete
After SMBs master text, images and video in generative AI models, the next phase is agentic AI, notes Gualtieri. While some SMBs may use agentic AI already, most will turn to partners such as CDW ServiceNow Managed Services or Salesforce to implement it, he says.
“As the models get better, the ways to use those models also change, and so people are going to have to be up to speed on what those changes are and how they do them,” Gualtieri says. He says some companies will make adoption of AI simple because of how they keep their products up to date; Microsoft Office 365 is an example.
“I don’t think small and medium-sized businesses are going to have trouble keeping up with what’s new, but they might have trouble keeping up with implementing it or making that build-versus-buy decision,” Gualtieri says.
A small manufacturer of 300 to 500 employees may already have a custom manufacturing system, he explains. “So, a good rule for a company to think of is, if I have custom software now that I develop, it’s likely that I’m also going to need to incorporate AI in that,” Gualtieri says.
That’s why experts advise building a set of use cases for how IT leaders will use AI.
“Companies should understand the AI roadmap of all their vendors, because that’s going to help them decide if they’re going to continue with a vendor, if they have to build it themselves,” Gualtieri says. “And it’s also going to help them understand what expectations they should set with their employees in terms of using these products.”
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Business
OBR says pension triple lock to cost three times initial estimate
Cost of living correspondent
The cost of the state pension triple lock is forecast to be three times’ higher by the end of the decade than its original estimate, according to the government’s official forecaster.
The triple lock, which came into force in 2011, means that the state pension rises each year in line with either inflation, wage increases or 2.5% – whichever is highest.
The Office for Budget Responsibility (OBR) said the annual cost is estimated to reach £15.5bn by 2030.
Overall, the OBR said the UK’s public finances were in a “relatively vulnerable position” owing to pressure from recent government U-turns on planned spending cuts.
The recent reversal of proposed the welfare bill, on top of restoring winter fuel payments for most claimants, have contributed to a continued rise in government debt, according to the report.
It said: “Efforts to put the UK’s public finances on a more sustainable footing have met with only limited and temporary success in recent years in the aftermath of the shocks, debt has also continued to rise and borrowing remained elevated because governments have reversed plans to consolidate the public finances.
“Planned tax rises have been reversed, and, more significantly, planned spending reductions have been abandoned.”
Spending on the state pension has steadily risen, the OBR said, because the triple lock and a growing number of people above the state pension age was contributing to costs.
It added: “Due to inflation and earnings volatility over its first two decades in operation, the triple lock has cost around three times more than initial expectations.”
Pensioner protection
The UK’s state pension is the second-largest item in the government budget after health.
In 2011, the Conservative-Liberal Democrat coalition brought in the triple lock to ensure the value of the state pension was not overtaken by the increase in the cost of living or the incomes of working people.
Since then, the non-earnings-linked element of the lock has been triggered “in eight of the 13 years to date”, the OBR pointed out.
That was because inflation “has turned out to be significantly more volatile” than expected.
In April 2025, the earnings link meant the state pension increased by 4.1%, making it worth:
- £230.25 a week for the full, new flat-rate state pension (for those who reached state pension age after April 2016) – a rise of £472 a year
- £176.45 a week for the full, old basic state pension (for those who reached state pension age before April 2016) – a rise of £363 a year
Chancellor Rachel Reeves has said the Labour government will keep the triple lock until the end of the current Parliament.
However, before and since that manifesto promise, there has been intense debate over the cost of the triple lock and whether it is justified.
Last week, the influential Institute for Fiscal Studies, an independent economic think-tank, suggested the triple lock be scrapped as part of a wider overhaul of pensions.
It argued that it should rise in line with prices, but the cost should be linked to a target level of economy-wide average earnings.
Pensioner groups say many older people face high living costs and need the protection of the triple lock to avoid them falling further into financial difficulty, especially because the amount actually paid was far from the most generous state pension in Europe.
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Business
AI in healthcare: What business leaders need to know
Read more:
Chronic condition management and early detection
While clinical judgment by an actual human is still critical to ensuring patients receive the best possible care, AI can support clinicians and their decision-making by providing a more complete view of patient health.
For instance, radiologists are now using AI to more
Earlier intervention in the case of Berger’s disease and other kidney conditions significantly impacts the economic burden of the disease, potentially saving plan sponsors between
Read more:
Automating administrative tasks
One of AI’s greatest assets is its ability to quickly assess large volumes of data to optimize clinical and administrative time. Medical practices are utilizing AI-enabled technology to improve administrative efficiency and patient care. Automated documentation tools can reduce the time physicians spend on
Administrative expenses account for 15% to 25% of
AI’s ability to process vast quantities of data also benefits health plan administrators. Plan sponsors can implement AI tools that provide members with personalized treatment and support, identify health plans during enrollment that best fit specific member needs and determine additional benefits for members and their families.
Read more:
Overcoming barriers to adoption
Despite its potential to reduce healthcare costs, improve patient outcomes and improve member experience, AI adoption is still slow. The initial investment required to implement AI can be high, and it includes the cost of the technology, staff training, system integration and maintenance of AI models, not to mention potential liability concerns.
When considering utilizing AI for the purposes of improving efficiency and outcomes, organizations in the healthcare industry are:
- Analyzing how AI solutions can support their population, and which modalities are likely to be (or have proven to be) successful
- Consulting with internal stakeholders from the beginning to identify potential challenges to adoption
- Evaluating potential cost savings and member outcomes
- Considering the quality and source of data used to train AI models
- Ensuring AI tools meet HIPAA requirements
AI in healthcare is no longer an idea of the future. It is here and already making significant improvements in patient outcomes. However, AI is dependent on data quality and clearly defined learning parameters to eliminate potential bias and make accurate predictions. Organizations must also weigh other risks associated with AI, such as informed consent issues that may arise if patients do not fully understand how their information is being used.
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