How AI is Transforming Travel, Expense, and Invoice Management

Artificial intelligence isn’t just the latest buzzword, it’s reshaping how businesses operate, make decisions, and prepare for the future. At SAP Concur, AI has been infused into solutions for nearly a decade, bringing practical improvements to travel, expense, and invoice management. The goal is simple: reduce the time employees spend on repetitive tasks while empowering finance teams with greater insights and control.

How AI Automates Repetitive Travel, Expense, and Invoice Tasks

AI is already helping organisations handle tasks that once consumed countless hours:

• ExpenseIt® scans receipts and automatically extracts key details.
• Verify audits millions of expense reports, flagging outliers and potential fraud.
• Intelligent Audit blends AI with human expertise to uncover non-compliant spending.

By taking care of the repetitive work, AI frees employees to focus on activities that require human judgment, such as planning, negotiating budgets, or making strategic decisions.

AI Improves Compliance, Speed, and Decision-Making in Spend Management

The real value of AI lies in its ability to anticipate instead of reacting. For example:

• Expense policies can be enforced in real time, right after a card swipe.
• Employees can ask questions in plain language— “How many reports are still pending approval?”—and get immediate answers.
• Travel costs can be forecasted more accurately using company data combined with AI models.

This shift from after-the-fact correction to proactive guidance helps businesses reduce errors, improve compliance, and make smarter spending decisions.

Using AI and Data to Improve Spend Management and Financial Control

With nearly half the global market share in travel and expense management, SAP Concur has unmatched access to data on spending behaviours, compliance, and policy preferences. Combined with AI, this data helps deliver insights that are both relevant and responsible without compromising customer security or privacy.

Unlike many AI solutions, SAP Concur does not use customer data to train external models. Instead, AI is applied to solve real business problems, guided by strict ethical principles that emphasise transparency, oversight, and trust.

Responsible AI Best Practices in Travel, Expense, and Invoice Management

As AI adoption accelerates, so do questions around ethics and security. SAP Concur follows SAP’s global AI ethics policy, ensuring every solution is designed with people at the centre. That means:

• Clear transparency when AI is in use
• Human oversight of critical decisions
• Protection of customer data and privacy

AI isn’t about replacing people—it’s about helping them work smarter. By making expense, travel, and invoice processes faster and more accurate, AI is giving businesses the confidence to move forward, even in times of uncertainty.

Download the Artificial Intelligence, Real Solutions for Business paper for more about how AI-infused solutions can meet business needs and make your company ready for change.