Your business helps clients manage their spending, SAP Concur can help you manage your own. When facing complex regulations and intense compliance measures, you need to know where your money is going now – not after it’s spent. If you’re relying on outdated processes, it’s time to change. In fact, banks typically spend 80% of their IT budgets maintaining legacy systems. With SAP Concur, you get a single, secure, cloud solution for managing your travel, expense and invoice spend for transparency and actionable insight into every transaction.