Half of UK SMEs now use AI. Only one in ten has built anything of their own.
The British Chambers of Commerce found 54% of businesses actively using AI in 2026, up from 35% a year earlier — but Essex University research shows most are on generic tools, with roughly one in ten building bespoke. What the data does and does not say, four questions to decide which side you are on, and a 90-day plan.
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