AI-driven travel and expense management with SAP Concur

SAP Concur uses artificial intelligence to reduce manual work, improve data accuracy, detect policy violations, and provide real-time insights into business spend through a conversational experience.

Infographic: AI at work

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Does SAP Concur have AI in its solutions?

SAP Concur uses generative AI and agentic AI to help organisations automate routine tasks, support policy compliance, and simplify travel and expense processes for employees, managers, and finance teams.

As AI agents take more action on a user’s behalf, travel booking, expense reporting, and approvals will require less manual effort. The result is a more streamlined experience that saves time, reduces administrative work, and helps organisations manage spending more efficiently.

SAP Concur’s AI advantage

Experience

For nearly a decade, SAP Concur has implemented and built AI and machine learning models for mobile, audit solutions, compliance solutions, and more.

Data

With our access to nearly 30 years of T&E data, SAP Concur is unique in its ability to combine these deep insights with publicly available data to deliver personalised experiences.

Ethics

AI ethics is guided and coordinated by the AI Ethics Office at SAP. These efforts are anchored in SAP’s Global AI Ethics Policy and development standards that drive responsible AI innovation.

See our AI ethics policy

What can AI in SAP Concur do?

SAP Concur uses AI and machine learning to automate spend management processes, helping organisations control costs, improve compliance, and gain real-time visibility into business spending. 

Automate expense reporting with AI

Use AI-powered receipt capture and expense automation to create expense reports automatically, reduce manual data entry, and accelerate approvals.

Manage expenses using conversational AI

Use natural language AI to search, create, and update expense reports, allocations, and itemisations quickly and accurately.

Get instant answers to expense questions

AI analyses company data and policies to provide real-time answers, reducing support requests and improving employee productivity.

Easily book and modify travel plans

From booking business travel to managing trip changes, Concur AI delivers personalised, policy-aware support through a conversational chat interface.

Enforce spend policies automatically

AI continuously monitors expenses and applies company policies in real time to improve compliance and reduce risk.

Optimise group travel with AI

Plan and book group travel up to 95% faster using AI-driven recommendations and automated workflows.

AI agents for travel and expense management

These AI agents automate business travel and expense management and processes, helping organisations reduce manual work, improve financial control, and increase efficiency across accounts payable and expense workflows.

Booking Agent

AI-powered business travel booking assistant that creates personalised, policy-compliant itineraries.

Learn about Booking Agent

Expense Report Validation Agent

AI reviews expense reports to improve accuracy, enforce compliance, and accelerate approvals.

Learn about Expense Report Validation

Meeting Location Planner Agent

AI analyses attendee data, costs, and logistics to recommend optimal meeting locations.

Learn about Meeting Location Planner

Receipt Analysis Agent

Receipt data is extracted and missing data is inferred to create complete and accurate expense entries.

Learn about Receipt Analysis

Policy Navigator

AI retrieves and explains travel and expense policies to guide compliant spending decisions.

Learn about Policy Navigator

Expense Automation Agent

AI automates expense report creation and reduces manual data entry across workflows.

Learn about Expense Automation Agent

Audit Rule Configuration

Use natural language AI to create, manage, and optimise expense audit rules.

Learn about Audit Rule Configuration

Control Center

AI provides visibility into program performance and recommends improvements to optimise spend management.

Learn about Control Center

Trip Changes

Reduces unexpected travel surprises and disruptions by helping employees manage flight, hotel, and car booking updates, check policy compliance, and see transparent costs upfront.

Learn about Trip Changes

What is Joule in Concur?

Joule is SAP’s AI that is embedded across SAP products, including SAP Concur solutions. In SAP Concur, Joule uses AI and machine learning to: 

Automate expense report creation and receipt capture 
Simplify business travel booking, trip changes, and approvals 
Enforce company spending policies and improve compliance
Enable faster processes with fewer errors
Improve employee experiences across finance and operations

10 benefits of Joule

Visit our Joule page

“The integration of Joule has truly enhanced the booking experience by allowing me to simply state my travel needs and get policy-compliant options without the fatigue of checking endless filters.”

SAP Concur user

Read the full review