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What does “Made in Europe” mean in practice for Spendesk?","faqItem",{"type":43,"attrs":1143,"content":1144},{"backgroundColor":17},[1145],{"type":61,"attrs":1146,"content":1147},{"textAlign":17},[1148,1150,1151,1152],{"text":1149,"type":52},"Made in Europe means building for the realities European finance teams face, not simply translating a product or adding local integrations. Spendesk combines deep market expertise, regulated payment infrastructure and hands-on local support to help businesses run efficient, compliant finance operations across Europe.",{"type":76},{"type":76},{"text":1153,"type":52}," That experience is built over time, by understanding the rules, payment systems and operational details that vary from one market to the next. Integrations are one part of that wider coverage, which is why Spendesk connects with both local and international tools.",{"_uid":1155,"hide":14,"title":1156,"component":1141,"description":1157},"601308af-0b64-4e22-bb2d-4040e89e151c","2. 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Explore the full list on the ",{"text":1166,"type":52,"marks":1167},"Spendesk integrations page",[1168,1170],{"type":345,"attrs":1169},{"href":853,"uuid":17,"anchor":17,"target":17,"linktype":267},{"type":324},{"text":762,"type":52},{"type":61,"attrs":1173,"content":1174},{"textAlign":17},[1175,1177,1184,1186,1192],{"text":1176,"type":52},"To learn more about Spendesk’s connectivity capabilities, read ",{"text":1178,"type":52,"marks":1179},"The key benefits of a public API for spend management tools",[1180,1183],{"type":345,"attrs":1181},{"href":1182,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://www.spendesk.com/blog/public-api-spend-management/",{"type":324},{"text":1185,"type":52}," or discover how Spendesk connects with local accounting software in ",{"text":1187,"type":52,"marks":1188},"Deutsche Qualität: Spendesk and DATEV integration",[1189,1191],{"type":345,"attrs":1190},{"href":641,"uuid":17,"anchor":17,"target":17,"linktype":267},{"type":324},{"text":762,"type":52},{"_uid":1194,"hide":14,"title":1195,"component":1141,"description":1196},"126c17b5-d221-4150-8f12-d9ad4d9e5379","3. 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Yet here we are.",{"type":61,"attrs":1404,"content":1405},{"textAlign":17},[1406,1408,1414],{"text":1407,"type":52},"Most finance teams are already using AI in some form. According to ",{"text":1409,"type":52,"marks":1410},"CFO Connect's 2025 Tools Report",[1411],{"type":345,"attrs":1412},{"href":1413,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://www.cfoconnect.eu/resources/reports/top-cfo-tools-report-2025-download-the-report/",{"text":1415,"type":52},", 56% of finance leaders now use AI in their work. But there's a meaningful gap between using AI to draft an email and using AI to interrogate your actual spend data in real time. And there's a wider gap still between that and the future most coverage hints at: agents that surface a cash runway problem six months before it lands on your desk.",{"type":61,"attrs":1417,"content":1418},{"textAlign":17},[1419],{"text":1420,"type":52},"The Model Context Protocol (MCP) is what closes the first gap, and starts on the second.",{"type":61,"attrs":1422,"content":1423},{"textAlign":17},[1424],{"text":1425,"type":52},"This article explains what MCP actually is, how AI agents work in practice, and what it means for your spend management strategy. No technical background required.",{"type":61,"attrs":1427,"content":1428},{"textAlign":17},[1429],{"text":1430,"type":52,"marks":1431},"Key takeaways:",[1432],{"type":324},{"type":537,"content":1434},[1435,1446,1457,1468],{"type":540,"content":1436},[1437],{"type":61,"attrs":1438,"content":1439},{"textAlign":17},[1440,1444],{"text":1441,"type":52,"marks":1442},"MCP is an open standard",[1443],{"type":324},{"text":1445,"type":52}," — a single connector that gives AI workstations like Claude, Dust, and ChatGPT secure, real-time access to your finance tools, without custom integrations.",{"type":540,"content":1447},[1448],{"type":61,"attrs":1449,"content":1450},{"textAlign":17},[1451,1455],{"text":1452,"type":52,"marks":1453},"It works for every role on the finance team.",[1454],{"type":324},{"text":1456,"type":52}," Forecasts, AP chase-ups, bookkeeping, settlements, supplier intelligence, your AI assistant can run these inside the workstation your team already uses.",{"type":540,"content":1458},[1459],{"type":61,"attrs":1460,"content":1461},{"textAlign":17},[1462,1466],{"text":1463,"type":52,"marks":1464},"It replaces the export-and-paste workflow",[1465],{"type":324},{"text":1467,"type":52}," that's been the norm for AI in finance. Instead of pulling data into spreadsheets and uploading it, your AI tool reads the live data directly.",{"type":540,"content":1469},[1470],{"type":61,"attrs":1471,"content":1472},{"textAlign":17},[1473,1477],{"text":1474,"type":52,"marks":1475},"The platforms best positioned for MCP",[1476],{"type":324},{"text":1478,"type":52}," are the ones that have already consolidated spend data in one place. One source of real-time truth is what makes an AI assistant reliable.",{"type":46,"attrs":1480,"content":1481},{"level":403,"textAlign":17},[1482],{"text":1483,"type":52},"What is the Model Context Protocol?",{"type":46,"attrs":1485,"content":1486},{"level":459,"textAlign":17},[1487],{"text":1488,"type":52},"The finance-first definition",{"type":61,"attrs":1490,"content":1491},{"textAlign":17},[1492],{"text":1493,"type":52},"MCP is a connector that lets your AI assistant securely query other software in real time. Instead of logging into your spend management tool, exporting a spreadsheet, uploading it to ChatGPT and then asking a question, MCP connects your AI tool directly to the live data. You ask a question in plain language. You get a reliable answer in seconds, drawn from live numbers, not a static export.",{"type":326,"attrs":1495},{"id":1496,"body":1497},"3f1a494d-2373-4748-9475-2625fadf3322",[1498],{"_uid":1499,"type":18,"asset":1500,"caption":18,"overlay":1506,"component":450},"i-cd51c13d-43c3-4948-9f63-0cfec668dbc6",{"id":1501,"alt":1502,"name":18,"focus":18,"title":18,"source":18,"filename":1503,"copyright":18,"fieldtype":19,"meta_data":1504,"is_external_url":14},171866459474709,"a query placed in an AI assistant tool","https://a.storyblok.com/f/146026/507x384/baa74eb79a/ai-workstation_query.png",{"alt":1502,"size":1505,"title":18,"source":18,"copyright":18},"1520x1151",[],{"type":46,"attrs":1508,"content":1509},{"level":459,"textAlign":17},[1510],{"text":1511,"type":52},"Why the old way was broken",{"type":61,"attrs":1513,"content":1514},{"textAlign":17},[1515],{"text":1516,"type":52},"Before MCP, every AI-to-finance-tool connection was bespoke. Connecting your AI assistant to your accounting software took one piece of integration work. Connecting it to your spend platform took another. Each one was effort-heavy, brittle, and rarely in real-time unless you'd built and paid for a formal two-way integration.",{"type":46,"attrs":1518,"content":1519},{"level":459,"textAlign":17},[1520],{"text":1521,"type":52},"The USB moment for AI",{"type":61,"attrs":1523,"content":1524},{"textAlign":17},[1525],{"text":1526,"type":52},"MCP replaces all of that with a single standardised protocol. The USB analogy is the simplest way to make sense of it: before USB, every peripheral device needed its own proprietary cable. USB standardised connectivity so any device could plug into any computer through one port. MCP does the same for AI — any MCP-compatible assistant can now access any MCP-ready finance system through a single connection, without a developer in the room.",{"type":61,"attrs":1528,"content":1529},{"textAlign":17},[1530,1532,1538],{"text":1531,"type":52},"Released by ",{"text":1533,"type":52,"marks":1534},"Anthropic",[1535],{"type":345,"attrs":1536},{"href":1537,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://www.anthropic.com/news/model-context-protocol",{"text":1539,"type":52}," in November 2024, MCP was adopted within months by OpenAI, Google, and Microsoft. The feature took off quickly inside the developer community, and in December 2025 Anthropic opened it up further, making it available as vendor-neutral infrastructure. For CFOs evaluating platforms, that means no lock-in risk: any tool that supports an MCP layer will plug into any AI workstation you choose.",{"type":46,"attrs":1541,"content":1542},{"level":459,"textAlign":17},[1543],{"text":1544,"type":52},"Before MCP vs. after MCP",{"type":61,"attrs":1546,"content":1547},{"textAlign":17},[1548,1552],{"text":1549,"type":52,"marks":1550},"Before MCP: the finance data bottleneck.",[1551],{"type":324},{"text":1553,"type":52}," Finance teams have questions. Lots of them. But getting answers means exporting data from spend management tools into spreadsheets, manually filtering and analysing to find what you need, building reports for every new question, and waiting for someone else to build the report you need. The result is a reporting bottleneck: valuable insights delayed behind operational tasks, and AI tools that can't help because they don't have access to your actual finance data.",{"type":61,"attrs":1555,"content":1556},{"textAlign":17},[1557,1561],{"text":1558,"type":52,"marks":1559},"After MCP: your finance data, ready to talk.",[1560],{"type":324},{"text":1562,"type":52}," MCP connects spend management data to AI assistants like Claude, Dust, and ChatGPT, so finance teams can ask questions in plain language and get answers in seconds. Now your team can:",{"type":537,"content":1564},[1565,1582,1589,1596],{"type":540,"content":1566},[1567],{"type":61,"attrs":1568,"content":1569},{"textAlign":17},[1570,1572,1576,1578],{"text":1571,"type":52},"Ask: ",{"text":1573,"type":52,"marks":1574},"\"What's our cash position?\"",[1575],{"type":354},{"text":1577,"type":52}," or",{"text":1579,"type":52,"marks":1580},"\"Compare our annual travel spend year-on-year.\"",[1581],{"type":354},{"type":540,"content":1583},[1584],{"type":61,"attrs":1585,"content":1586},{"textAlign":17},[1587],{"text":1588,"type":52},"Get answers in seconds, drawn from real Spendesk data",{"type":540,"content":1590},[1591],{"type":61,"attrs":1592,"content":1593},{"textAlign":17},[1594],{"text":1595,"type":52},"Keep exploring with follow-up questions, no need to rebuild reports",{"type":540,"content":1597},[1598],{"type":61,"attrs":1599,"content":1600},{"textAlign":17},[1601],{"text":1602,"type":52},"Work in tools the team already uses — Claude, ChatGPT, or Dust",{"type":61,"attrs":1604,"content":1605},{"textAlign":17},[1606],{"text":1607,"type":52},"Overall, strategic insights stop waiting behind operational tasks. AI becomes useful because it's connected to real finance data. All while teams cut their reliance on exports and spreadsheets, answer quick and complex questions on the spot, and use AI safely without giving up control.",{"type":46,"attrs":1609,"content":1610},{"level":459,"textAlign":17},[1611],{"text":1612,"type":52},"The building blocks of finance tech connectivity",{"type":326,"attrs":1614},{"id":1496,"body":1615},[1616],{"_uid":1617,"type":18,"asset":1618,"caption":18,"overlay":1624,"component":450},"i-e205f2d9-ec13-4dd2-adcb-b70adbc8b8d4",{"id":1619,"alt":1620,"name":18,"focus":18,"title":18,"source":18,"filename":1621,"copyright":18,"fieldtype":19,"meta_data":1622,"is_external_url":14},171859864934971,"diagram explaining what an mcp connection is in rapport with your spend management solution","https://a.storyblok.com/f/146026/1746x820/e2ce291486/mcp_diagram.png",{"alt":1620,"size":1623,"title":18,"source":18,"copyright":18},"762x384",[],{"type":61,"attrs":1626,"content":1627},{"textAlign":17},[1628],{"text":1629,"type":52},"Spend management tools like Spendesk connect your financial stack through three pathways:",{"type":537,"content":1631},[1632,1643,1654],{"type":540,"content":1633},[1634],{"type":61,"attrs":1635,"content":1636},{"textAlign":17},[1637,1641],{"text":1638,"type":52,"marks":1639},"Native integrations",[1640],{"type":324},{"text":1642,"type":52}," sync directly with accounting systems like NetSuite, Xero, and DATEV.",{"type":540,"content":1644},[1645],{"type":61,"attrs":1646,"content":1647},{"textAlign":17},[1648,1652],{"text":1649,"type":52,"marks":1650},"Open APIs",[1651],{"type":324},{"text":1653,"type":52}," connect to BI and reporting tools like Google Sheets.",{"type":540,"content":1655},[1656],{"type":61,"attrs":1657,"content":1658},{"textAlign":17},[1659,1663],{"text":1660,"type":52,"marks":1661},"The MCP connector",[1662],{"type":324},{"text":1664,"type":52}," gives AI tools — Claude, Dust, ChatGPT — live, read-only access to your spend data.",{"type":61,"attrs":1666,"content":1667},{"textAlign":17},[1668],{"text":1669,"type":52},"All three draw from the same source: every transaction your business processes, in one place.",{"type":61,"attrs":1671,"content":1672},{"textAlign":17},[1673,1675,1679],{"text":1674,"type":52},"The practical difference of having all three is immediate. A CFO asking ",{"text":1676,"type":52,"marks":1677},"\"What's our committed spend versus forecast this quarter?\"",[1678],{"type":354},{"text":1680,"type":52}," no longer needs an analyst to pull and reconcile the data. The answer comes back right away, followed by an option to update the forecast sheet and the board deck automatically.",{"type":61,"attrs":1682,"content":1683},{"textAlign":17},[1684],{"text":1685,"type":52},"Each layer does a specific job: ",{"type":537,"content":1687},[1688,1695,1702],{"type":540,"content":1689},[1690],{"type":61,"attrs":1691,"content":1692},{"textAlign":17},[1693],{"text":1694,"type":52},"Integrations keep your books accurate. ",{"type":540,"content":1696},[1697],{"type":61,"attrs":1698,"content":1699},{"textAlign":17},[1700],{"text":1701,"type":52},"API keeps your dashboards current. ",{"type":540,"content":1703},[1704],{"type":61,"attrs":1705,"content":1706},{"textAlign":17},[1707],{"text":1708,"type":52},"MCP makes all of it accessible to the AI tools your team already uses, with no new builds required.",{"type":326,"attrs":1710},{"id":1496,"body":1711},[1712],{"_uid":1713,"text":1714,"color":333,"title":18,"component":335},"i-d754a00d-3028-4ca6-b6a5-39040cd8a93a","> **A note on data safety:** an AI assistant can only access the data its user has access to. In practice, a team member with bookkeeping responsibilities in the spend management tool will only be able to query what they already see in the original system.",{"type":46,"attrs":1716,"content":1717},{"level":459,"textAlign":17},[1718],{"text":1719,"type":52},"Examples of what finance teams can ask AI through an MCP connector",{"type":1721,"content":1722},"table",[1723,1751,1804,1846,1898,1950],{"type":1724,"content":1725},"tableRow",[1726,1735,1743],{"type":1727,"attrs":1728,"content":1729},"tableHeader",{"colspan":48,"rowspan":48,"colwidth":17},[1730],{"type":61,"attrs":1731,"content":1732},{"textAlign":17},[1733],{"text":1734,"type":52},"Role",{"type":1727,"attrs":1736,"content":1737},{"colspan":48,"rowspan":48,"colwidth":17},[1738],{"type":61,"attrs":1739,"content":1740},{"textAlign":17},[1741],{"text":1742,"type":52},"What you can ask",{"type":1727,"attrs":1744,"content":1745},{"colspan":48,"rowspan":48,"colwidth":17},[1746],{"type":61,"attrs":1747,"content":1748},{"textAlign":17},[1749],{"text":1750,"type":52},"What you get",{"type":1724,"content":1752},[1753,1762,1796],{"type":1754,"attrs":1755,"content":1756},"tableCell",{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1757],{"type":61,"attrs":1758,"content":1759},{"textAlign":17},[1760],{"text":1761,"type":52},"CFO / Finance Director",{"type":1754,"attrs":1763,"content":1764},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1765],{"type":537,"content":1766},[1767,1777,1787],{"type":540,"content":1768},[1769],{"type":61,"attrs":1770,"content":1771},{"textAlign":17},[1772,1775],{"text":1573,"type":52,"marks":1773},[1774],{"type":354},{"text":1776,"type":52}," ",{"type":540,"content":1778},[1779],{"type":61,"attrs":1780,"content":1781},{"textAlign":17},[1782,1786],{"text":1783,"type":52,"marks":1784},"\"Show me overdue AP this week.\"",[1785],{"type":354},{"text":1776,"type":52},{"type":540,"content":1788},[1789],{"type":61,"attrs":1790,"content":1791},{"textAlign":17},[1792],{"text":1793,"type":52,"marks":1794},"\"What's our spend by department this quarter?\"",[1795],{"type":354},{"type":1754,"attrs":1797,"content":1798},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1799],{"type":61,"attrs":1800,"content":1801},{"textAlign":17},[1802],{"text":1803,"type":52},"Strategic answers from live data, without waiting for a report to be built",{"type":1724,"content":1805},[1806,1814,1838],{"type":1754,"attrs":1807,"content":1808},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1809],{"type":61,"attrs":1810,"content":1811},{"textAlign":17},[1812],{"text":1813,"type":52},"Controller",{"type":1754,"attrs":1815,"content":1816},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1817],{"type":537,"content":1818},[1819,1829],{"type":540,"content":1820},[1821],{"type":61,"attrs":1822,"content":1823},{"textAlign":17},[1824,1828],{"text":1825,"type":52,"marks":1826},"\"Show me all expenses over €500 approved outside normal workflows this month.\"",[1827],{"type":354},{"text":1776,"type":52},{"type":540,"content":1830},[1831],{"type":61,"attrs":1832,"content":1833},{"textAlign":17},[1834],{"text":1835,"type":52,"marks":1836},"\"Which SaaS subscriptions haven't been used in 90 days?\"",[1837],{"type":354},{"type":1754,"attrs":1839,"content":1840},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1841],{"type":61,"attrs":1842,"content":1843},{"textAlign":17},[1844],{"text":1845,"type":52},"Real-time policy compliance visibility, without manual auditing",{"type":1724,"content":1847},[1848,1856,1890],{"type":1754,"attrs":1849,"content":1850},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1851],{"type":61,"attrs":1852,"content":1853},{"textAlign":17},[1854],{"text":1855,"type":52},"FP&A Analyst",{"type":1754,"attrs":1857,"content":1858},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1859],{"type":537,"content":1860},[1861,1871,1881],{"type":540,"content":1862},[1863],{"type":61,"attrs":1864,"content":1865},{"textAlign":17},[1866,1870],{"text":1867,"type":52,"marks":1868},"\"Compare marketing spend Q1 to Q4 by department.\"",[1869],{"type":354},{"text":1776,"type":52},{"type":540,"content":1872},[1873],{"type":61,"attrs":1874,"content":1875},{"textAlign":17},[1876,1880],{"text":1877,"type":52,"marks":1878},"\"Which departments are trending over budget?\"",[1879],{"type":354},{"text":1776,"type":52},{"type":540,"content":1882},[1883],{"type":61,"attrs":1884,"content":1885},{"textAlign":17},[1886],{"text":1887,"type":52,"marks":1888},"\"Run a variance analysis against last quarter.\"",[1889],{"type":354},{"type":1754,"attrs":1891,"content":1892},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1893],{"type":61,"attrs":1894,"content":1895},{"textAlign":17},[1896],{"text":1897,"type":52},"Trend analysis in seconds, without rebuilding reports from scratch",{"type":1724,"content":1899},[1900,1908,1942],{"type":1754,"attrs":1901,"content":1902},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1903],{"type":61,"attrs":1904,"content":1905},{"textAlign":17},[1906],{"text":1907,"type":52},"Head of Accounting",{"type":1754,"attrs":1909,"content":1910},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1911],{"type":537,"content":1912},[1913,1923,1933],{"type":540,"content":1914},[1915],{"type":61,"attrs":1916,"content":1917},{"textAlign":17},[1918,1922],{"text":1919,"type":52,"marks":1920},"\"What invoices are scheduled for payment this week?\"",[1921],{"type":354},{"text":1776,"type":52},{"type":540,"content":1924},[1925],{"type":61,"attrs":1926,"content":1927},{"textAlign":17},[1928,1932],{"text":1929,"type":52,"marks":1930},"\"Show me all payments over £10,000 waiting for approval.\"",[1931],{"type":354},{"text":1776,"type":52},{"type":540,"content":1934},[1935],{"type":61,"attrs":1936,"content":1937},{"textAlign":17},[1938],{"text":1939,"type":52,"marks":1940},"\"What's the status of invoice [X] across all entities?\"",[1941],{"type":354},{"type":1754,"attrs":1943,"content":1944},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1945],{"type":61,"attrs":1946,"content":1947},{"textAlign":17},[1948],{"text":1949,"type":52},"Full payment-pipeline visibility without logging into multiple screens",{"type":1724,"content":1951},[1952,1960,1994],{"type":1754,"attrs":1953,"content":1954},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1955],{"type":61,"attrs":1956,"content":1957},{"textAlign":17},[1958],{"text":1959,"type":52},"Procurement",{"type":1754,"attrs":1961,"content":1962},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1963],{"type":537,"content":1964},[1965,1975,1985],{"type":540,"content":1966},[1967],{"type":61,"attrs":1968,"content":1969},{"textAlign":17},[1970,1974],{"text":1971,"type":52,"marks":1972},"\"Which are our most expensive contracts?\"",[1973],{"type":354},{"text":1776,"type":52},{"type":540,"content":1976},[1977],{"type":61,"attrs":1978,"content":1979},{"textAlign":17},[1980,1984],{"text":1981,"type":52,"marks":1982},"\"Which vendors haven't been used in six months?\"",[1983],{"type":354},{"text":1776,"type":52},{"type":540,"content":1986},[1987],{"type":61,"attrs":1988,"content":1989},{"textAlign":17},[1990],{"text":1991,"type":52,"marks":1992},"\"How does this supplier's pricing compare to similar vendors?\"",[1993],{"type":354},{"type":1754,"attrs":1995,"content":1996},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1997],{"type":61,"attrs":1998,"content":1999},{"textAlign":17},[2000],{"text":2001,"type":52},"Spend intelligence to support renegotiations and contract reviews, on demand",{"type":46,"attrs":2003,"content":2004},{"level":403,"textAlign":17},[2005],{"text":2006,"type":52},"MCP tools for finance: where the protocol meets your tech stack",{"type":46,"attrs":2008,"content":2009},{"level":459,"textAlign":17},[2010],{"text":2011,"type":52},"What's already live",{"type":61,"attrs":2013,"content":2014},{"textAlign":17},[2015,2017,2023],{"text":2016,"type":52},"The MCP ecosystem has grown quickly. By ",{"text":2018,"type":52,"marks":2019},"early 2026",[2020],{"type":345,"attrs":2021},{"href":2022,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://blog.qualys.com/product-tech/2026/03/19/mcp-servers-shadow-it-ai-qualys-totalai-2026",{"text":2024,"type":52},", over 11,000 MCP servers were available in public directories. Stripe has published an official MCP server for payment operations. Digits launched a read-only accounting MCP server in April 2026, giving accounting practices direct access to client financial data inside AI tools. Microsoft Dynamics 365 Finance and Operations now supports MCP. The pace of adoption in spend management is a clear signal of where this is heading.",{"type":46,"attrs":2026,"content":2027},{"level":459,"textAlign":17},[2028],{"text":2029,"type":52},"How Spendesk connects to your AI tools",{"type":61,"attrs":2031,"content":2032},{"textAlign":17},[2033],{"text":2034,"type":52},"For Spendesk users, MCP works like this: the Spendesk MCP server connects your spend data — payables, settlements, suppliers, purchase orders, and more — directly to your AI assistant.",{"type":61,"attrs":2036,"content":2037},{"textAlign":17},[2038],{"text":2039,"type":52},"You can connect through Claude Cowork (Anthropic's enterprise AI workspace), ChatGPT, or Dust — or any other AI platform built for company-wide workflows.",{"type":61,"attrs":2041,"content":2042},{"textAlign":17},[2043],{"text":2044,"type":52},"Each team member connects using their own Spendesk credentials, and sees data based on their existing Spendesk permissions. The Spendesk MCP is read-only by design — it can query, analyse, and surface information, but it can't create or approve payments, modify invoices, or change any Spendesk data. You stay in control.",{"type":46,"attrs":2046},{"level":459,"textAlign":17},{"type":46,"attrs":2048,"content":2049},{"level":403,"textAlign":17},[2050],{"text":2051,"type":52},"Real-world use cases for AI agents in finance",{"type":46,"attrs":2053,"content":2054},{"level":459,"textAlign":17},[2055],{"text":2056,"type":52},"Automated financial reporting with AI",{"type":61,"attrs":2058,"content":2059},{"textAlign":17},[2060],{"text":2061,"type":52},"Monthly reporting typically eats two to three days of capacity for a 150-person company: pulling data from multiple systems, reconciling discrepancies, compiling variance commentary.",{"type":61,"attrs":2063,"content":2064},{"textAlign":17},[2065,2067,2071,2073,2077,2078,2082],{"text":2066,"type":52},"With Spendesk MCP connected to your AI assistant, asking ",{"text":2068,"type":52,"marks":2069},"\"What's our spend by department this month versus budget?\"",[2070],{"type":354},{"text":2072,"type":52}," returns an answer in seconds, drawn from live data. Follow-up questions like ",{"text":2074,"type":52,"marks":2075},"\"Which department is furthest over budget?\"",[2076],{"type":354},{"text":826,"type":52},{"text":2079,"type":52,"marks":2080},"\"What's driving the variance in marketing?\"",[2081],{"type":354},{"text":2083,"type":52}," can continue naturally — without rebuilding the query from scratch.",{"type":46,"attrs":2085,"content":2086},{"level":459,"textAlign":17},[2087],{"text":2088,"type":52},"Use case 1: Real-time policy exception monitoring",{"type":61,"attrs":2090,"content":2091},{"textAlign":17},[2092],{"text":2093,"type":52},"The AI assistant watches transactions flowing through Spendesk and surfaces anything that falls outside policy — categories that shouldn't appear, approvals routed around the standard workflow, single charges over a defined threshold. The team gets a daily digest, or an instant flag for anything serious. The exceptions that used to be caught on a sample basis at month-end are caught in the moment, while the spend is still recoverable.",{"type":46,"attrs":2095,"content":2096},{"level":459,"textAlign":17},[2097],{"text":2098,"type":52},"Use case 2: Weekly AP exposure briefing",{"type":61,"attrs":2100,"content":2101},{"textAlign":17},[2102,2104,2108,2110],{"text":2103,"type":52},"Every Monday morning, the AI pulls together the week's AP picture: top exposures by supplier, payments stuck waiting for approval, anything overdue, anything large. It posts the briefing as a structured document the team can work from before the week starts. The cash conversation that used to begin with ",{"text":2105,"type":52,"marks":2106},"\"let me pull that together\"",[2107],{"type":354},{"text":2109,"type":52}," begins with ",{"text":2111,"type":52,"marks":2112},"\"here's what we're looking at.\"",[2113],{"type":354},{"type":46,"attrs":2115,"content":2116},{"level":459,"textAlign":17},[2117],{"text":2118,"type":52},"Use case 3. Quarterly supplier and SaaS audit",{"type":61,"attrs":2120,"content":2121},{"textAlign":17},[2122],{"text":2123,"type":52},"On demand, or on a quarterly schedule, the AI reviews vendor spend across the company and surfaces what's shifted since last quarter: top contracts ranked by leverage, suppliers that haven't been touched in six months, SaaS subscriptions that nobody's actually logging into. The kind of intelligence that usually only emerges when someone finds the time to go hunting for it, produced in the time it takes to make a coffee.",{"type":46,"attrs":2125,"content":2126},{"level":403,"textAlign":17},[2127],{"text":2128,"type":52},"What this means for your spend management strategy",{"type":46,"attrs":2130,"content":2131},{"level":459,"textAlign":17},[2132],{"text":2133,"type":52},"The consolidation question",{"type":61,"attrs":2135,"content":2136},{"textAlign":17},[2137],{"text":2138,"type":52},"The teams that will get the most from MCP-enabled AI are the ones that have already consolidated their spend data into a single platform. If invoices sit in one system, expense claims in another, and purchase orders in a third, an AI agent has no unified context to work with. It can only help with what it can see.",{"type":46,"attrs":2140,"content":2141},{"level":459,"textAlign":17},[2142],{"text":2143,"type":52},"Three questions to assess your readiness",{"type":2145,"attrs":2146,"content":2147},"ordered_list",{"order":48},[2148,2168,2179],{"type":540,"content":2149},[2150],{"type":61,"attrs":2151,"content":2152},{"textAlign":17},[2153,2157,2159,2166],{"text":2154,"type":52,"marks":2155},"Is your spend data in one place?",[2156],{"type":324},{"text":2158,"type":52}," Smart company cards, invoice payments, expense claims, and purchase orders should flow through a single platform. If they do, AI agents can query a unified data set and give reliable answers. Learn more about how ",{"text":252,"type":52,"marks":2160},[2161],{"type":345,"attrs":2162},{"href":2163,"uuid":2164,"anchor":17,"target":2165,"linktype":1095},"/platform/","4b39d188-071f-4f1b-9670-76374dd671b8","_self",{"text":2167,"type":52}," connects your finance stack.",{"type":540,"content":2169},[2170],{"type":61,"attrs":2171,"content":2172},{"textAlign":17},[2173,2177],{"text":2174,"type":52,"marks":2175},"Are your approval workflows digital?",[2176],{"type":324},{"text":2178,"type":52}," Email and spreadsheet approvals can't integrate with AI agents. Digital approval workflows with clear routing rules create the structure agents need.",{"type":540,"content":2180},[2181],{"type":61,"attrs":2182,"content":2183},{"textAlign":17},[2184,2188,2190,2197],{"text":2185,"type":52,"marks":2186},"Does your platform integrate with your accounting software via API?",[2187],{"type":324},{"text":2189,"type":52}," Integrations with ",{"text":2191,"type":52,"marks":2192},"Xero",[2193],{"type":345,"attrs":2194},{"href":2195,"uuid":2196,"anchor":17,"target":2165,"linktype":1095},"/integrations/xero-expense-management","1c5be156-ce97-4ff5-bc9d-23b16b1aa328",{"text":2198,"type":52},", QuickBooks, Sage, or NetSuite mean spend data flows programmatically between systems — the foundation for AI that cross-references spend against financial records.",{"type":46,"attrs":2200,"content":2201},{"level":459,"textAlign":17},[2202],{"text":2203,"type":52},"Start with what you already have",{"type":61,"attrs":2205,"content":2206},{"textAlign":17},[2207],{"text":2208,"type":52},"If you answered yes to all three, you're well positioned. Spendesk users who already run all company spend through the platform and connect to their accounting software are, in practical terms, already MCP-ready.",{"type":61,"attrs":2210,"content":2211},{"textAlign":17},[2212],{"text":2213,"type":52},"If you answered no to one or more, consolidation comes first. Build the data foundation, and the AI layer follows naturally.",{"type":2215,"content":2216},"blockquote",[2217],{"type":61,"attrs":2218,"content":2219},{"textAlign":17},[2220,2222,2226,2228,2234],{"text":2221,"type":52},"Kevin Steele, a fractional CFO who built his own FP&A application in Claude Code, put it sharply on a recent CFO Connect session: ",{"text":2223,"type":52,"marks":2224},"\"Anybody can make a fancy dashboard. What's really key is the financial engineering in the background that makes it actually work.\"",[2225],{"type":354},{"text":2227,"type":52}," That's the pattern: AI tools earn their place in a finance function not through interface, but through the data layer behind them. (",{"text":2229,"type":52,"marks":2230},"CFO Connect, Building an AI-Native FP&A App in Claude Code",[2231],{"type":345,"attrs":2232},{"href":2233,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://www.cfoconnect.eu/resources/event-recaps/claude-code-finance-app-fpa-build/",{"text":2235,"type":52},")",{"name":1061,"created_at":1062,"published_at":118,"updated_at":1063,"id":1064,"uuid":1065,"content":2237,"slug":1073,"full_slug":1074,"sort_by_date":17,"position":152,"tag_list":2239,"is_startpage":14,"parent_id":1076,"meta_data":17,"group_id":1077,"first_published_at":1078,"release_id":17,"lang":132,"path":17,"alternates":2240,"default_full_slug":1074,"translated_slugs":2241,"_stopResolving":141},{"_uid":1067,"icon":2238,"name":1061,"component":1072},{"id":1069,"alt":1070,"name":18,"focus":18,"title":18,"filename":1071,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[2242,2243,2244],{"path":1074,"name":17,"lang":136,"published":17},{"path":1074,"name":17,"lang":138,"published":17},{"path":1074,"name":17,"lang":140,"published":17},[132],[],[],[2249],{"_uid":1124,"type":18,"asset":2250,"caption":18,"overlay":2255,"component":450},{"id":2251,"alt":2252,"name":18,"focus":18,"title":18,"source":18,"filename":2253,"copyright":18,"fieldtype":19,"meta_data":2254,"is_external_url":14},171872541842321,"diagram explaining what is mcp connectivity for finance","https://a.storyblok.com/f/146026/1538x858/5e3d1a35c9/mcp_blog_cover.jpeg",{"alt":2252,"title":18,"source":18,"copyright":18},[],"AI for finance is only as good as the data it can see. What MCP is, what it changes for finance teams, and how to know if your stack is ready.",[],[2259],{"cta":2260,"_uid":1136,"items":2261,"heading":2315,"reverse":14,"component":1290,"sectionSettings":2334},[],[2262,2276,2289,2303],{"_uid":1139,"hide":14,"title":2263,"component":1141,"description":2264},"What is MCP and how does it work for finance?",{"type":43,"content":2265},[2266,2271],{"type":61,"attrs":2267,"content":2268},{"textAlign":17},[2269],{"text":2270,"type":52},"The Model Context Protocol is an open standard that lets AI assistants connect securely to external tools and data sources. For controllers, FP&A analysts, and CFOs, it means your AI assistant (Claude Cowork, ChatGPT, or Dust) can access your live spend data and return reliable answers in plain language — without manual exports or custom integrations.",{"type":61,"attrs":2272,"content":2273},{"textAlign":17},[2274],{"text":2275,"type":52},"For Spendesk users: connect your account through your AI assistant's integrations settings and start querying your real payables, supplier, and PO data. The connection is read-only by design, so no data can be changed. Key capabilities include cash position, overdue AP, spend by department, payment status, invoice matching, budget variance, and supplier intelligence — all from a single conversational interface, connected to your real Spendesk data.",{"_uid":1155,"hide":14,"title":2277,"component":1141,"description":2278},"What finance tools support MCP integration?",{"type":43,"content":2279},[2280],{"type":61,"attrs":2281,"content":2282},{"textAlign":17},[2283],{"text":2284,"type":52,"marks":2285},"Adoption is early but accelerating. Stripe, Digits, and Microsoft Dynamics 365 Finance have published official MCP servers. Most accounting software vendors haven't yet, but the trajectory from early adoption to mainstream availability typically takes 18–24 months.",[2286],{"type":72,"attrs":2287},{"color":2288},"#191B1B",{"_uid":1194,"hide":14,"title":2290,"component":1141,"description":2291},"How does agentic AI differ from traditional automation in finance?",{"type":43,"content":2292},[2293,2298],{"type":61,"attrs":2294,"content":2295},{"textAlign":17},[2296],{"text":2297,"type":52},"Traditional automation follows fixed scripts that break when they meet exceptions. Agentic AI reasons over context — it can recognise that two differently named suppliers are the same vendor, or flag that a VAT rate doesn't match historical patterns for a given expense category.",{"type":61,"attrs":2299,"content":2300},{"textAlign":17},[2301],{"text":2302,"type":52},"The key difference isn't speed or scale. It's the ability to handle the grey areas that rule-based systems can't. Gartner predicts 33% of enterprise software will include agentic AI by 2028, up from less than 1% in 2024 — a measure of how rapidly this shift is moving. And critically, agentic AI still operates within constraints you define. Approvals, payments, and modifications stay under human control. The agent surfaces the information. You make the decision.",{"_uid":1228,"hide":14,"title":2304,"component":1141,"description":2305},"What spend management tools are compatible with AI agents and MCP?",{"type":43,"content":2306},[2307],{"type":61,"attrs":2308,"content":2309},{"textAlign":17},[2310],{"text":2311,"type":52,"marks":2312},"Spend management platforms that consolidate all spend in one place — invoices, expense claims, smart company cards, and purchase orders — are best positioned for MCP integration. Spendesk's MCP server connects directly to Claude Cowork, ChatGPT, and Dust, giving your team conversational access to spend, payables, supplier, and PO data without exports or custom development. Spendesk also integrates with Xero, Sage, QuickBooks, and NetSuite, extending MCP-connected intelligence across your broader financial stack.",[2313],{"type":72,"attrs":2314},{"color":2288},[2316],{"cta":2317,"_uid":1272,"title":2318,"eyebrow":2326,"subtitle":2329,"component":46,"textAlign":18,"eyebrowPill":14,"flexibleSection":2332,"sectionSettings":2333,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],{"type":43,"content":2319},[2320],{"type":46,"attrs":2321,"content":2322},{"level":403,"textAlign":17},[2323],{"text":1279,"type":52,"marks":2324},[2325],{"type":324},{"type":43,"content":2327},[2328],{"type":61},{"type":43,"content":2330},[2331],{"type":61},[],[],[],"what-is-mcp-and-what-does-it-mean-for-finance-teams","blog/what-is-mcp-and-what-does-it-mean-for-finance-teams",-1520,[],"ffc1b343-35d9-4220-8447-5c332bd9c284","2026-05-05T09:22:05.457Z",[],[2343,2344,2345],{"path":2336,"name":17,"lang":136,"published":17},{"path":2336,"name":17,"lang":138,"published":17},{"path":2336,"name":17,"lang":140,"published":17},{"name":2347,"created_at":2348,"published_at":118,"updated_at":2349,"id":2350,"uuid":2351,"content":2352,"slug":3032,"full_slug":3033,"sort_by_date":17,"position":3034,"tag_list":3035,"is_startpage":14,"parent_id":1296,"meta_data":17,"group_id":3036,"first_published_at":3037,"release_id":17,"lang":132,"path":17,"alternates":3038,"default_full_slug":3033,"translated_slugs":3039,"_stopResolving":141},"How to implement ai in your finance team","2025-10-02T14:08:32.494Z","2026-03-12T10:48:07.679Z",97175603208979,"815c433b-e7a8-41af-a5e8-e3db12b1f6c3",{"_uid":2353,"roles":2354,"title":2355,"author":2356,"topics":2398,"content":2409,"noIndex":14,"category":2939,"language":2948,"component":1073,"heroMedia":2949,"sidebarCta":2957,"publishedAt":2958,"readingTime":2959,"redirectUrl":18,"listingImage":2960,"metaDescription":2966,"componentsAfterTheArticle":2967},"2949a8a8-e55f-416e-9bac-945880993a20",[],"How to implement AI in your finance team: 8-step roadmap",{"name":2357,"created_at":2358,"published_at":118,"updated_at":2359,"id":2360,"uuid":2361,"content":2362,"slug":2387,"full_slug":2388,"sort_by_date":17,"position":2389,"tag_list":2390,"is_startpage":14,"parent_id":285,"meta_data":17,"group_id":2391,"first_published_at":2392,"release_id":17,"lang":132,"path":17,"alternates":2393,"default_full_slug":2388,"translated_slugs":2394,"_stopResolving":141},"Chris Dunne","2024-11-25T19:47:17.907Z","2026-03-12T10:48:04.132Z",584506034,"ced1d806-6e64-42d6-8b0f-d708ebbdbbfa",{"_uid":1342,"links":2363,"picture":2370,"lastName":2374,"component":274,"firstName":2375,"description":2376},[2364],{"tag":18,"_uid":2365,"hide":14,"icon":2366,"link":2368,"type":18,"label":18,"style":269,"component":270,"mobileLabel":18,"onClickEvent":18,"openInANewTab":141,"horizontalFill":14},"74ed5df6-6607-44c9-8870-23a2db0b8f4a",{"id":263,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":264,"copyright":18,"fieldtype":19,"meta_data":2367,"is_external_url":14},{},{"id":18,"url":2369,"linktype":267,"fieldtype":268,"cached_url":2369},"https://www.linkedin.com/in/chrisdunne4/",{"id":2371,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":2372,"copyright":18,"fieldtype":19,"meta_data":2373,"is_external_url":14},18695910,"https://a.storyblok.com/f/146026/349x349/9150c24a43/chris-dunne.jpg",{},"Dunne","Chris",{"type":43,"content":2377},[2378],{"type":61,"attrs":2379,"content":2380},{"textAlign":17},[2381],{"text":2382,"type":52,"marks":2383},"Chris Dunne is our Senior Content Marketing Manager. Based in Derry, he brings over 15 years of marketing experience to our content strategy. Outside of work, Chris loves spending time with his two young children, playing football, and exploring Ireland. ",[2384],{"type":72,"attrs":2385},{"color":2386},"#3D3929","chris-dunne","blog/author/chris-dunne",-1150,[],"62a23d5f-cd56-4dee-91e3-5642f66fa78c","2024-11-25T20:08:58.249Z",[],[2395,2396,2397],{"path":2388,"name":17,"lang":136,"published":17},{"path":2388,"name":17,"lang":138,"published":17},{"path":2388,"name":17,"lang":140,"published":17},[2399],{"name":1376,"created_at":1377,"published_at":118,"updated_at":1378,"id":1379,"uuid":1380,"content":2400,"slug":1385,"full_slug":1386,"sort_by_date":17,"position":1387,"tag_list":2403,"is_startpage":14,"parent_id":306,"meta_data":17,"group_id":1389,"first_published_at":1390,"release_id":17,"lang":132,"path":17,"alternates":2404,"default_full_slug":1386,"translated_slugs":2405,"_stopResolving":141},{"_uid":1382,"icon":2401,"name":1376,"component":124},{"id":17,"alt":17,"name":18,"focus":17,"title":17,"source":17,"filename":18,"copyright":17,"fieldtype":19,"meta_data":2402},{},[],[],[2406,2407,2408],{"path":1386,"name":17,"lang":136,"published":17},{"path":1386,"name":17,"lang":138,"published":17},{"path":1386,"name":17,"lang":140,"published":17},{"type":43,"content":2410},[2411,2429,2434,2445,2450,2455,2464,2469,2480,2488,2493,2498,2503,2508,2513,2518,2523,2528,2533,2538,2546,2551,2556,2561,2566,2571,2576,2581,2586,2591,2596,2601,2606,2611,2616,2621,2626,2631,2636,2641,2646,2651,2656,2661,2666,2671,2676,2681,2686,2700,2705,2751,2756,2793,2798,2852,2859,2864,2872,2918,2923,2937],{"type":61,"attrs":2412,"content":2413},{"textAlign":17},[2414,2418,2425],{"text":2415,"type":52,"marks":2416},"AI is no longer a novelty in finance – it's a practical way to reclaim time, reduce errors and elevate your team's impact. Yet most finance teams haven't made the leap from experiments to embedded workflows. This guide draws from The ",[2417],{"type":324},{"text":2419,"type":52,"marks":2420},"State of AI in Finance 2025",[2421,2424],{"type":345,"attrs":2422},{"href":2423,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://www.spendesk.com/landing/state-of-ai-finance-2025-cfo-connect/",{"type":324},{"text":2426,"type":52,"marks":2427}," report to provide a pragmatic, low-risk roadmap you can start today.",[2428],{"type":324},{"type":46,"attrs":2430,"content":2431},{"level":403,"textAlign":17},[2432],{"text":2433,"type":52},"Why AI, why now",{"type":61,"attrs":2435,"content":2436},{"textAlign":17},[2437,2439,2443],{"text":2438,"type":52},"Finance teams find themselves in a curious position. ",{"text":2440,"type":52,"marks":2441},"While 85% of CFOs are optimistic about AI's potential, 61% still haven't implemented it into their workflows. ",[2442],{"type":324},{"text":2444,"type":52},"The culprits? Unclear ROI, limited team skills, and the time required to implement new systems.",{"type":61,"attrs":2446,"content":2447},{"textAlign":17},[2448],{"text":2449,"type":52},"Meanwhile, early adopters are pulling ahead – cutting close times, automating AP/expenses, accelerating reporting, and improving forecast quality.",{"type":61,"attrs":2451,"content":2452},{"textAlign":17},[2453],{"text":2454,"type":52},"Your objective isn't wholesale transformation. It's a sequence of focused wins that compound.",{"type":326,"attrs":2456},{"id":2457,"body":2458},"b6c4ab16-cb3a-49a2-ab88-0251750c8bc6",[2459],{"_uid":2460,"quote":2461,"subtitle":2462,"component":2463},"i-00368d66-3e36-4e5c-9fb1-7e40e2f94aac","We’re seeing AI move beyond basic expense policing, towards predictive insights that empower managers to take real ownership of their budgets."," Pauline Babel, Chief Financial Officer, Spendesk","quoteWithLine",{"type":46,"attrs":2465,"content":2466},{"level":403,"textAlign":17},[2467],{"text":2468,"type":52},"An 8-step roadmap",{"type":326,"attrs":2470},{"id":2471,"body":2472},"79b175ba-0b04-4761-9b51-3724115ce9a0",[2473],{"_uid":2474,"type":18,"asset":2475,"caption":18,"overlay":2479,"component":450},"i-439f4218-d31e-43ee-8e07-cd11670a2d37",{"id":2476,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":2477,"copyright":18,"fieldtype":19,"meta_data":2478,"is_external_url":14},21294940,"https://a.storyblok.com/f/146026/728x596/d8fbb4016a/top-ai-prompts-for-finance-teams-1.png",{},[],{"type":61,"attrs":2481,"content":2482},{"textAlign":17},[2483],{"text":2484,"type":52,"marks":2485},"Based on conversations with finance leaders who've successfully implemented AI, here are the key takeaways consolidated into one cohesive plan.",[2486],{"type":72,"attrs":2487},{"color":74},{"type":61,"attrs":2489,"content":2490},{"textAlign":17},[2491],{"text":2492,"type":52},"The scope for AI enhancement in finance can easily become overwhelming. There are potential efficiency gains and process improvements everywhere.",{"type":46,"attrs":2494,"content":2495},{"level":459,"textAlign":17},[2496],{"text":2497,"type":52},"Step 1: Perform an initial assessment",{"type":61,"attrs":2499,"content":2500},{"textAlign":17},[2501],{"text":2502,"type":52},"The first step is to map your processes, identify pain points, and assess your data. Use tools like Miro to visualise your existing workflows and uncover opportunities for automation. Look for your quickest wins and biggest pain points.",{"type":61,"attrs":2504,"content":2505},{"textAlign":17},[2506],{"text":2507,"type":52},"Anne-Claire began by interviewing team members to understand their challenges. Payroll entries were consuming unnecessary time due to repetitive, manual tasks—a perfect candidate for automation. She was able to compile a shortlist of challenges to tackle, with a mix of relatively quick wins and big-picture overhauls.",{"type":61,"attrs":2509,"content":2510},{"textAlign":17},[2511],{"text":2512,"type":52},"\"Our overall objective was to automate manual tasks to increase team efficiency and efficiency in our processes. To reduce the month-end close time from 10 to five days, to automate financial reporting, to eliminate 80% of manual work, and to cut invoice processing time from three days to one day.\" These are all perfectly realistic aims with the help of AI tools.",{"type":61,"attrs":2514,"content":2515},{"textAlign":17},[2516],{"text":2517,"type":52},"Output: a prioritised backlog with effort vs impact. Pick one \"quick win\" to start.",{"type":46,"attrs":2519,"content":2520},{"level":459,"textAlign":17},[2521],{"text":2522,"type":52},"Step 2: Start with a discrete use case",{"type":61,"attrs":2524,"content":2525},{"textAlign":17},[2526],{"text":2527,"type":52},"Particularly if you're building your own AI solution, don't bite off too much at once. Generative AI can indeed solve a wide range of common finance issues. But you're far better off making major improvements to one key issue, than vague and messy enhancements across the board.",{"type":61,"attrs":2529,"content":2530},{"textAlign":17},[2531],{"text":2532,"type":52},"This was Gabriella's biggest lesson: \"If I could do it again, I'd start with a smaller, more focused use case to demonstrate quick wins. You want to build confidence in the AI capabilities first, before scaling to more complex workflows.\"",{"type":61,"attrs":2534,"content":2535},{"textAlign":17},[2536],{"text":2537,"type":52},"Start with one of your most pressing challenges – ideally involving high amounts of manual repetition and review. Once that first issue is solved, simply rinse and repeat.",{"type":326,"attrs":2539},{"id":2540,"body":2541},"b860bc8c-7845-43cc-b854-45a67a8fdaf5",[2542],{"_uid":2543,"html":2544,"component":2545},"i-de318732-4479-4fd2-8d11-1eee99a85829","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-cd67dc7d-6ad8-42c7-a9eb-8d7653bae1d2\">\u003Cspan class=\"hs-cta-node hs-cta-cd67dc7d-6ad8-42c7-a9eb-8d7653bae1d2\" id=\"hs-cta-cd67dc7d-6ad8-42c7-a9eb-8d7653bae1d2\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/cd67dc7d-6ad8-42c7-a9eb-8d7653bae1d2\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-cd67dc7d-6ad8-42c7-a9eb-8d7653bae1d2\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/cd67dc7d-6ad8-42c7-a9eb-8d7653bae1d2.png\"  alt=\"AI readiness checklist\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, 'cd67dc7d-6ad8-42c7-a9eb-8d7653bae1d2', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":46,"attrs":2547,"content":2548},{"level":459,"textAlign":17},[2549],{"text":2550,"type":52},"Step 3: Clean your data",{"type":61,"attrs":2552,"content":2553},{"textAlign":17},[2554],{"text":2555,"type":52},"All the experts we spoke with emphasised the importance of data cleaning before launching your AI model. Hallucinations are a key concern, as we've seen. But so is the quality of data you put into your AI tools and models. \"Conduct a data audit to assess the quality of your data,\" says Anne-Claire. \"Because AI, to work well, needs clean, accessible and organised data.\"",{"type":61,"attrs":2557,"content":2558},{"textAlign":17},[2559],{"text":2560,"type":52},"Paul Jun says that \"setting up your data structures in the right way from day one is immensely helpful and prevents the problem – kind of like technical debt – from creeping up in the first place. An ounce of prevention is worth a pound of cure.\"",{"type":61,"attrs":2562,"content":2563},{"textAlign":17},[2564],{"text":2565,"type":52},"The one silver lining for those who have piles of disorganised data: these tools can also help clean them up. AI tools are faster – and often better – than humans at reformatting and validating large swathes of data.",{"type":46,"attrs":2567,"content":2568},{"level":459,"textAlign":17},[2569],{"text":2570,"type":52},"Step 4: Find the right tools",{"type":61,"attrs":2572,"content":2573},{"textAlign":17},[2574],{"text":2575,"type":52},"Which AI tools you'll implement is obviously a chief concern. Much depends on your team's skill levels, the scope of the issue(s) you're trying to solve, and the time and energy you want to put into implementation.",{"type":61,"attrs":2577,"content":2578},{"textAlign":17},[2579],{"text":2580,"type":52},"Key questions to ask include: How quick and easy is it to set up and use; What use cases can handle, and will you need multiple tools for different cases; Is it scalable? Will you run into issues with the amount of data and users you need?; How easily does it integrate with your existing finance stack?; How secure is your data? Will sensitive information be used to train its models further?",{"type":61,"attrs":2582,"content":2583},{"textAlign":17},[2584],{"text":2585,"type":52},"For Gabriella's team, usability was crucial. \"Our finance team is not technical, so we chose tools that everyone was able to use.\"",{"type":61,"attrs":2587,"content":2588},{"textAlign":17},[2589],{"text":2590,"type":52},"Usability and \"feasibility\" were also important to Veronika's team at Everphone. But integrations were also a priority. \"Vertex AI provided seamless integration with our existing Google Cloud infrastructure.\" If you can integrate new tools without disrupting your existing systems, that's a clear win.",{"type":46,"attrs":2592,"content":2593},{"level":459,"textAlign":17},[2594],{"text":2595,"type":52},"Step 5: Run a pilot",{"type":61,"attrs":2597,"content":2598},{"textAlign":17},[2599],{"text":2600,"type":52},"Anne-Claire recommends beginning with a single, measurable project and testing the results. This meant automating payroll entries with Google Scripts, cutting the process from one day to just 15 minutes. This quick win built momentum for broader AI adoption.",{"type":61,"attrs":2602,"content":2603},{"textAlign":17},[2604],{"text":2605,"type":52},"A pilot also leaves plenty of room for feedback and insights from others. For Veronika, moving too quickly meant the team missed some opportunities. \"Allocating time to gather more feedback on initial prototypes might have improved usability and satisfaction from the outset.\"",{"type":61,"attrs":2607,"content":2608},{"textAlign":17},[2609],{"text":2610,"type":52},"Anne-Claire also suggests finding your \"AI champions\" – a few carefully selected people who can receive advanced training and help scope out projects, before rolling them out to the whole team.",{"type":61,"attrs":2612,"content":2613},{"textAlign":17},[2614],{"text":2615,"type":52},"You can't hope to upskill a whole team overnight, with new tools that nobody has used or understands. These AI champions can test out training initiatives first.",{"type":46,"attrs":2617,"content":2618},{"level":459,"textAlign":17},[2619],{"text":2620,"type":52},"Step 6: Scale across teams and geographies",{"type":61,"attrs":2622,"content":2623},{"textAlign":17},[2624],{"text":2625,"type":52},"Assuming the pilot succeeds, you can now roll AI out to other teams and regions. As is always the case for internal change, this will require some hand holding and plenty of help from your AI champions.",{"type":61,"attrs":2627,"content":2628},{"textAlign":17},[2629],{"text":2630,"type":52},"Anne-Claire organised \"learn and develop\" sessions to share results and empower teams to adopt automation in their workflows.",{"type":61,"attrs":2632,"content":2633},{"textAlign":17},[2634],{"text":2635,"type":52},"As CFO, you need to be clear and firm about the importance of these new ways of working. Communicate the desired goals: to be more impactful and waste less time on manual tasks. And reassure those who struggle that a learning curve is normal, and this will become natural in time.",{"type":61,"attrs":2637,"content":2638},{"textAlign":17},[2639],{"text":2640,"type":52},"There's a real benefit to employees here too. Confidence with AI tools will soon be a prerequisite to working in finance. Team members who embrace the training today set themselves on a strong career path in the future.",{"type":46,"attrs":2642,"content":2643},{"level":459,"textAlign":17},[2644],{"text":2645,"type":52},"Step 7: Monitor, optimise and improve",{"type":61,"attrs":2647,"content":2648},{"textAlign":17},[2649],{"text":2650,"type":52},"AI implementation doesn't end at rollout. Regularly review your tools and processes to ensure they're delivering value. Stay informed about emerging AI technologies to keep your team ahead of the curve.",{"type":61,"attrs":2652,"content":2653},{"textAlign":17},[2654],{"text":2655,"type":52},"If you're working with custom models, these will constantly need to be improved. In fact, Anne-Claire suggests the eventual need for an \"AI automation analyst\" in most finance teams – someone who can keep improving efficiency and accuracy in your systems. This may not be necessary for out-of-the-box solutions, but could certainly be beneficial in future.",{"type":61,"attrs":2657,"content":2658},{"textAlign":17},[2659],{"text":2660,"type":52},"\"It's changing very quickly, and every day you have new functionalities and new tools. Organise monthly or quarterly reviews to ensure your process continues to deliver value.\"",{"type":46,"attrs":2662,"content":2663},{"level":459,"textAlign":17},[2664],{"text":2665,"type":52},"Step 8: Set clear data and security guidelines",{"type":61,"attrs":2667,"content":2668},{"textAlign":17},[2669],{"text":2670,"type":52},"Organisations are rightly nervous about exposing their data to large language models. Your company should have a clear policy about this already, including for non-finance employees.",{"type":61,"attrs":2672,"content":2673},{"textAlign":17},[2674],{"text":2675,"type":52},"For the finance team, set clear boundaries about what should and shouldn't be shared with tools. Double-check the terms and conditions and, if possible, invest in in-house tools or paid plans that are contractually prohibited from sharing your data further.",{"type":61,"attrs":2677,"content":2678},{"textAlign":17},[2679],{"text":2680,"type":52},"Veronika has implemented a range of measures at Everphone. \"We're developing a granular permission system that ensures users access only variables and data sources they're allowed to. The AI model also asks you what you want to achieve with the request, and if it thinks the request might be used wrongly, it asks the user's manager for permission.\"",{"type":61,"attrs":2682,"content":2683},{"textAlign":17},[2684],{"text":2685,"type":52},"\"Our Google AI ecosystem doesn't save or use our prompts for learning, complying with data security laws in Europe. Lastly, we log user activity and responses for later auditing and reviewing.\" ",{"type":61,"attrs":2687,"content":2688},{"textAlign":17},[2689,2693],{"text":2690,"type":52,"marks":2691},"Related: ",[2692],{"type":324},{"text":2694,"type":52,"marks":2695},"Will AI steal my finance job?",[2696],{"type":345,"attrs":2697},{"href":2698,"uuid":2699,"anchor":17,"target":2165,"linktype":1095},"/blog/will-ai-steal-my-finance-job","c764e871-4c8e-468b-85c9-e4bb69576166",{"type":46,"attrs":2701,"content":2702},{"level":403,"textAlign":17},[2703],{"text":2704,"type":52},"What good looks like in 90 days",{"type":537,"content":2706},[2707,2718,2729,2740],{"type":540,"content":2708},[2709],{"type":61,"attrs":2710,"content":2711},{"textAlign":17},[2712,2716],{"text":2713,"type":52,"marks":2714},"Weeks 1–2: ",[2715],{"type":324},{"text":2717,"type":52},"Process and data assessment; choose a single high-impact use case; define baseline metrics.",{"type":540,"content":2719},[2720],{"type":61,"attrs":2721,"content":2722},{"textAlign":17},[2723,2727],{"text":2724,"type":52,"marks":2725},"Weeks 3–6: ",[2726],{"type":324},{"text":2728,"type":52},"Data cleaning; tool configuration; build pilot; implement validation; train a small cohort.",{"type":540,"content":2730},[2731],{"type":61,"attrs":2732,"content":2733},{"textAlign":17},[2734,2738],{"text":2735,"type":52,"marks":2736},"Weeks 7–8: ",[2737],{"type":324},{"text":2739,"type":52},"Run pilot; capture metrics; remediate edge cases; decide on rollout.",{"type":540,"content":2741},[2742],{"type":61,"attrs":2743,"content":2744},{"textAlign":17},[2745,2749],{"text":2746,"type":52,"marks":2747},"Weeks 9–12:",[2748],{"type":324},{"text":2750,"type":52}," Expand to one more entity or process; formalise SOPs; publish results; schedule reviews.",{"type":46,"attrs":2752,"content":2753},{"level":403,"textAlign":17},[2754],{"text":2755,"type":52},"Example KPIs to track",{"type":537,"content":2757},[2758,2765,2772,2779,2786],{"type":540,"content":2759},[2760],{"type":61,"attrs":2761,"content":2762},{"textAlign":17},[2763],{"text":2764,"type":52},"Time saved per cycle (e.g., AP processing time, month-end close days).",{"type":540,"content":2766},[2767],{"type":61,"attrs":2768,"content":2769},{"textAlign":17},[2770],{"text":2771,"type":52},"Touchless rate (percentage processed without human intervention).",{"type":540,"content":2773},[2774],{"type":61,"attrs":2775,"content":2776},{"textAlign":17},[2777],{"text":2778,"type":52},"Error/rework rate and audit findings.",{"type":540,"content":2780},[2781],{"type":61,"attrs":2782,"content":2783},{"textAlign":17},[2784],{"text":2785,"type":52},"SLA adherence for data requests.",{"type":540,"content":2787},[2788],{"type":61,"attrs":2789,"content":2790},{"textAlign":17},[2791],{"text":2792,"type":52},"Finance business partnering time (hours reallocated to analysis).",{"type":46,"attrs":2794,"content":2795},{"level":403,"textAlign":17},[2796],{"text":2797,"type":52},"Tooling patterns that work",{"type":537,"content":2799},[2800,2819,2830,2841],{"type":540,"content":2801},[2802],{"type":61,"attrs":2803,"content":2804},{"textAlign":17},[2805,2809,2811,2817],{"text":2806,"type":52,"marks":2807},"Out-of-the-box for AP and expenses: ",[2808],{"type":324},{"text":2810,"type":52},"Robust platforms like ",{"text":252,"type":52,"marks":2812},[2813],{"type":345,"attrs":2814},{"href":2815,"uuid":2816,"anchor":17,"target":2165,"linktype":1095},"/platform/ai-automation","ebc87909-a3bc-4e54-8bfe-a21df5ef0d70",{"text":2818,"type":52}," can deliver instant wins with built-in extraction, coding and matching.",{"type":540,"content":2820},[2821],{"type":61,"attrs":2822,"content":2823},{"textAlign":17},[2824,2828],{"text":2825,"type":52,"marks":2826},"Co-pilot for FP&A and reporting: ",[2827],{"type":324},{"text":2829,"type":52},"Natural-language SQL and Python to accelerate data pulls and scenario modelling.",{"type":540,"content":2831},[2832],{"type":61,"attrs":2833,"content":2834},{"textAlign":17},[2835,2839],{"text":2836,"type":52,"marks":2837},"Scripted bridges:",[2838],{"type":324},{"text":2840,"type":52}," Light Python or Apps Script to connect spreadsheets and systems where vendor integrations don’t exist yet.",{"type":540,"content":2842},[2843],{"type":61,"attrs":2844,"content":2845},{"textAlign":17},[2846,2850],{"text":2847,"type":52,"marks":2848},"Document intelligence: ",[2849],{"type":324},{"text":2851,"type":52},"Contract/receipt parsing to feed revenue schedules and policy checks.",{"type":326,"attrs":2853},{"id":2854,"body":2855},"65085691-dc04-484d-9971-54727e3f97f5",[2856],{"_uid":2857,"html":2858,"component":2545},"i-f1830ea4-0d85-406b-af98-617a96011737","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-524abe53-921e-4661-b66e-cab08befee6d\">\u003Cspan class=\"hs-cta-node hs-cta-524abe53-921e-4661-b66e-cab08befee6d\" id=\"hs-cta-524abe53-921e-4661-b66e-cab08befee6d\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/524abe53-921e-4661-b66e-cab08befee6d\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-524abe53-921e-4661-b66e-cab08befee6d\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/524abe53-921e-4661-b66e-cab08befee6d.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '524abe53-921e-4661-b66e-cab08befee6d', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":46,"attrs":2860,"content":2861},{"level":403,"textAlign":17},[2862],{"text":2863,"type":52},"Common pitfalls to avoid",{"type":61,"attrs":2865,"content":2866},{"textAlign":17},[2867],{"text":2868,"type":52,"marks":2869},"While the roadmap above provides a clear path forward, finance teams often stumble on predictable obstacles. Here are the most common mistakes to sidestep:",[2870],{"type":72,"attrs":2871},{"color":74},{"type":537,"content":2873},[2874,2885,2896,2907],{"type":540,"content":2875},[2876],{"type":61,"attrs":2877,"content":2878},{"textAlign":17},[2879,2883],{"text":2880,"type":52,"marks":2881},"Trying to do everything at once:",[2882],{"type":324},{"text":2884,"type":52}," Too many parallel use cases dilute impact.",{"type":540,"content":2886},[2887],{"type":61,"attrs":2888,"content":2889},{"textAlign":17},[2890,2894],{"text":2891,"type":52,"marks":2892},"Dirty inputs:",[2893],{"type":324},{"text":2895,"type":52}," Skipping data standardisation leads to brittle outputs.",{"type":540,"content":2897},[2898],{"type":61,"attrs":2899,"content":2900},{"textAlign":17},[2901,2905],{"text":2902,"type":52,"marks":2903},"Shadow AI: ",[2904],{"type":324},{"text":2906,"type":52},"Unapproved tools with unclear data terms increase risk.",{"type":540,"content":2908},[2909],{"type":61,"attrs":2910,"content":2911},{"textAlign":17},[2912,2916],{"text":2913,"type":52,"marks":2914},"Set and forget:",[2915],{"type":324},{"text":2917,"type":52}," Models, prompts and processes drift — review them.",{"type":46,"attrs":2919,"content":2920},{"level":403,"textAlign":17},[2921],{"text":2922,"type":52},"Final thoughts",{"type":61,"attrs":2924,"content":2925},{"textAlign":17},[2926,2928,2935],{"text":2927,"type":52},"Implementing ",{"text":2929,"type":52,"marks":2930},"AI in finance",[2931],{"type":345,"attrs":2932},{"href":2933,"uuid":2934,"anchor":17,"target":2165,"linktype":1095},"/blog/how-ai-is-transforming-finance","6413053a-46b1-4cbe-b593-51095fe52a81",{"text":2936,"type":52}," is a series of pragmatic steps, not a single leap. Start small, validate rigorously, and scale with governance. The outcome is a team that closes faster, explains results better and spends more time on decisions than data wrangling.",{"type":61,"attrs":2938},{"textAlign":17},{"name":1061,"created_at":1062,"published_at":118,"updated_at":1063,"id":1064,"uuid":1065,"content":2940,"slug":1073,"full_slug":1074,"sort_by_date":17,"position":152,"tag_list":2942,"is_startpage":14,"parent_id":1076,"meta_data":17,"group_id":1077,"first_published_at":1078,"release_id":17,"lang":132,"path":17,"alternates":2943,"default_full_slug":1074,"translated_slugs":2944,"_stopResolving":141},{"_uid":1067,"icon":2941,"name":1061,"component":1072},{"id":1069,"alt":1070,"name":18,"focus":18,"title":18,"filename":1071,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[2945,2946,2947],{"path":1074,"name":17,"lang":136,"published":17},{"path":1074,"name":17,"lang":138,"published":17},{"path":1074,"name":17,"lang":140,"published":17},[132],[2950],{"_uid":2951,"type":18,"asset":2952,"shadow":14,"caption":18,"overlay":2956,"component":450},"a09d0eac-4fc3-43a0-8e17-37fc82a69a18",{"id":2953,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":2954,"copyright":18,"fieldtype":19,"meta_data":2955,"is_external_url":14},98524846973166,"https://a.storyblok.com/f/146026/1020x680/f65f6c3f83/implement-ai-finance-team.jpg",{},[],[],"2025-10-06 00:00","5",[2961],{"_uid":2962,"type":18,"asset":2963,"shadow":14,"caption":18,"overlay":2965,"component":450},"4d901d6b-cc98-4968-947d-466092341130",{"id":2953,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":2954,"copyright":18,"fieldtype":19,"meta_data":2964,"is_external_url":14},{},[],"A practical guide for CFOs to implement AI in finance. Learn the 8-step roadmap, avoid common pitfalls, and start with quick wins that compound into major efficiency gains.",[2968],{"_uid":2969,"items":2970,"heading":3007,"reverse":14,"component":1290,"sectionSettings":3025},"4a32d90b-3a84-4e94-97d9-b2137a292160",[2971,2980,2989,2998],{"_uid":2972,"title":2973,"component":1141,"description":2974},"8cdf38aa-08eb-49e4-8d1a-253c2477c129","How can a finance team start implementing AI without a large data science team?",{"type":43,"content":2975},[2976],{"type":61,"content":2977},[2978],{"text":2979,"type":52},"Spendesk enables finance teams to implement AI-driven automation quickly by using structured transaction data, automated receipt capture, and programmable approval workflows. Finance teams can export Spendesk data via native integrations (ERP, accounting, BI) and use Spendesk's automatic matching and reconciliation features to train models for fraud detection, spend categorization, and automated policy enforcement.",{"_uid":2981,"title":2982,"component":1141,"description":2983},"22e5882c-9a2c-4a00-86b4-25d4545c32cf","What are the highest-impact AI use cases for a finance department?",{"type":43,"content":2984},[2985],{"type":61,"content":2986},[2987],{"text":2988,"type":52},"Spendesk identifies high-impact AI use cases for finance teams such as automated expense categorization, predictive budget alerts, and intelligent invoice processing. By using Spendesk virtual cards, automated receipt capture, and real-time spend analytics, finance teams reduce manual reconciliation, enforce budgets with approval workflows, and accelerate month-end close while preserving auditable transaction trails.",{"_uid":2990,"title":2991,"component":1141,"description":2992},"b588287f-75f8-440b-92ba-a055ae5767ff","How does Spendesk integrate with AI tools and accounting systems?",{"type":43,"content":2993},[2994],{"type":61,"content":2995},[2996],{"text":2997,"type":52},"Spendesk integrates AI into expense management through APIs and prebuilt connectors that deliver structured, real-time transaction data for model training and inference. Spendesk's Open APIs, ERP connectors, and exportable data formats allow AI tools to consume validated transactions while Spendesk's approval workflows and virtual cards provide consistent metadata for accurate categorization and downstream bookkeeping.",{"_uid":2999,"title":3000,"component":1141,"description":3001},"c95b078d-2c76-4de7-accf-496c81561dec","How do you maintain security and compliance when using AI with finance data?",{"type":43,"content":3002},[3003],{"type":61,"content":3004},[3005],{"text":3006,"type":52},"Spendesk enforces security and compliance for AI projects by encrypting transaction and receipt data, enforcing role-based access controls, and maintaining detailed audit logs. Spendesk's configurable approval policies and centralized policy enforcement ensure all AI-driven classifications and automated actions remain traceable, auditable, and exportable to accounting systems for regulatory reviews and internal control processes.",[3008],{"cta":3009,"_uid":3010,"title":3011,"eyebrow":3018,"subtitle":3021,"component":46,"textAlign":18,"sectionSettings":3024,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"8def1559-2404-447a-8861-5734aca337b5",{"type":43,"content":3012},[3013],{"type":46,"attrs":3014,"content":3015},{"level":403},[3016],{"text":3017,"type":52},"How To Implement Ai In Your Finance Team — 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help is hard to find. For growing businesses, finding the right people, tools, and advice to build is a key challenge. And it's especially true when it comes to managing money.",{"type":61,"attrs":3104,"content":3105},{"textAlign":17},[3106],{"text":3107,"type":52},"Finance leaders are constantly looking for ways to improve processes, control expenditure and execute faster. And if you don't have a finance team yet, you need that help even more.",{"type":61,"attrs":3109,"content":3110},{"textAlign":17},[3111],{"text":3112,"type":52,"marks":3113},"So in this post, we’ll look at our top ten spend management software solutions for 2026.",[3114],{"type":324},{"type":61,"attrs":3116,"content":3117},{"textAlign":17},[3118],{"text":3119,"type":52},"Whether you’re a freelancer, a growing startup, or an established enterprise, we’ve got some handy tips and suggestions to help you save time, money, and stress.",{"type":61,"attrs":3121,"content":3122},{"textAlign":17},[3123],{"text":3124,"type":52},"To kick things off, let’s run through a few basics.",{"type":46,"attrs":3126,"content":3127},{"level":403,"textAlign":17},[3128],{"text":3129,"type":52},"What is spend management software, exactly?",{"type":61,"attrs":3131,"content":3132},{"textAlign":17},[3133,3137,3144],{"text":3134,"type":52,"marks":3135},"Put simply, ",[3136],{"type":324},{"text":3138,"type":52,"marks":3139},"spend management software",[3140,3143],{"type":345,"attrs":3141},{"href":3142,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/en/spend-management-software/",{"type":324},{"text":3145,"type":52,"marks":3146}," is any tool dedicated to helping your business manage employee expenses quickly and conveniently.",[3147],{"type":324},{"type":61,"attrs":3149,"content":3150},{"textAlign":17},[3151],{"text":3152,"type":52},"This can run the full range, from simple receipt scanning tools through to credit facilities linked to accounting software.",{"type":61,"attrs":3154,"content":3155},{"textAlign":17},[3156],{"text":3157,"type":52},"Despite these new expense management tools, businesses still rely on a handful of techniques to take care of company spending:",{"type":2145,"attrs":3159,"content":3160},{"order":48},[3161,3180,3216],{"type":540,"content":3162},[3163],{"type":61,"attrs":3164,"content":3165},{"textAlign":17},[3166,3174,3178],{"text":3167,"type":52,"marks":3168},"Petty cash",[3169,3173],{"type":345,"attrs":3170},{"href":3171,"uuid":3172,"anchor":17,"target":368,"linktype":1095},"petty-cash-reconciliation","4ed2e325-9721-49d1-b6b9-bc152bb4f2ed",{"type":324},{"text":3175,"type":52,"marks":3176},":",[3177],{"type":324},{"text":3179,"type":52}," Lots of companies keep a box full of loose cash and coins on hand. And no-one every truly knows how much is in there or what the rules are.",{"type":540,"content":3181},[3182],{"type":61,"attrs":3183,"content":3184},{"textAlign":17},[3185,3193,3196,3198,3205,3207,3214],{"text":3186,"type":52,"marks":3187},"Company credit cards",[3188,3192],{"type":345,"attrs":3189},{"href":3190,"uuid":3191,"anchor":17,"target":2165,"linktype":1095},"/blog/what-is-a-corporate-credit-card","6b41af67-a160-47ec-86a4-2f07ca0058a4",{"type":324},{"text":3175,"type":52,"marks":3194},[3195],{"type":324},{"text":3197,"type":52}," Despite the ",{"text":3199,"type":52,"marks":3200},"risk of fraud",[3201],{"type":345,"attrs":3202},{"href":3203,"uuid":3204,"anchor":17,"target":368,"linktype":1095},"company-credit-card-fraud","a26dcdef-bf38-4603-9c48-97d4dfcd31ca",{"text":3206,"type":52},", the lack of accountability, and the ",{"text":3208,"type":52,"marks":3209},"delayed oversight of spending",[3210],{"type":345,"attrs":3211},{"href":3212,"uuid":3213,"anchor":17,"target":368,"linktype":1095},"company-credit-card","283d36ed-2fde-45c7-b0e8-99a8ef26fc10",{"text":3215,"type":52},", a lot of businesses still can’t seem to kick the habit with this one.",{"type":540,"content":3217},[3218],{"type":61,"attrs":3219,"content":3220},{"textAlign":17},[3221,3225,3227,3234,3236,3240],{"text":3222,"type":52,"marks":3223},"Expense claims:",[3224],{"type":324},{"text":3226,"type":52}," Rounding off this unholy trinity is ",{"text":3228,"type":52,"marks":3229},"the dreaded expense claim",[3230],{"type":345,"attrs":3231},{"href":3232,"uuid":3233,"anchor":17,"target":368,"linktype":1095},"employee-expense-reports","fed13de1-910a-4998-83ed-ed339cf860d2",{"text":3235,"type":52},". Here, employees pay business expenses out of their own pockets, hold on to the receipts, fill out a claim form, and wait ",{"text":3237,"type":52,"marks":3238},"ages",[3239],{"type":354},{"text":3241,"type":52}," to be reimbursed.",{"type":61,"attrs":3243,"content":3244},{"textAlign":17},[3245],{"text":3246,"type":52,"marks":3247},"Fortunately, managing expenses no longer has to be quite so painful.",[3248],{"type":324},{"type":61,"attrs":3250,"content":3251},{"textAlign":17},[3252],{"text":3253,"type":52},"Now, there are better ways for businesses to pay for things, and employees can manage their expenses conveniently, securely, and quickly.",{"type":61,"attrs":3255,"content":3256},{"textAlign":17},[3257],{"text":3258,"type":52},"But what makes good spend management software, exactly?",{"type":46,"attrs":3260,"content":3261},{"level":403,"textAlign":17},[3262],{"text":3263,"type":52},"What makes a good spend management software?",{"type":61,"attrs":3265,"content":3266},{"textAlign":17},[3267,3269,3276],{"text":3268,"type":52},"When it comes to ",{"text":3270,"type":52,"marks":3271},"spend management",[3272],{"type":345,"attrs":3273},{"href":3274,"uuid":3275,"anchor":17,"target":368,"linktype":1095},"/glossary/spend-management","47dad6e2-00cd-42dc-ac3b-ca346a036e47",{"text":3277,"type":52},", not all software is created equal.",{"type":61,"attrs":3279,"content":3280},{"textAlign":17},[3281],{"text":3282,"type":52},"No matter how big your operations are, you need a solution that offers:",{"type":537,"content":3284},[3285,3305,3325,3336,3347],{"type":540,"content":3286},[3287],{"type":61,"attrs":3288,"content":3289},{"textAlign":17},[3290,3294,3296,3303],{"text":3291,"type":52,"marks":3292},"Real-time expense tracking:",[3293],{"type":324},{"text":3295,"type":52}," You don’t want to have to wait until the end of the month to find out how much you’ve spent. Instead, find a solution that ",{"text":3297,"type":52,"marks":3298},"tracks expenses",[3299],{"type":345,"attrs":3300},{"href":3301,"uuid":3302,"anchor":17,"target":2165,"linktype":1095},"/blog/track-business-expenses","611a8cb3-7d02-4337-afd1-ef9fd3e396dc",{"text":3304,"type":52}," in real time, providing a reliable snapshot of employee spending.",{"type":540,"content":3306},[3307],{"type":61,"attrs":3308,"content":3309},{"textAlign":17},[3310,3314,3316,3323],{"text":3311,"type":52,"marks":3312},"A quick and simple overview:",[3313],{"type":324},{"text":3315,"type":52}," If you can’t do a ",{"text":3317,"type":52,"marks":3318},"basic spend analysis",[3319],{"type":345,"attrs":3320},{"href":3321,"uuid":3322,"anchor":17,"target":368,"linktype":1095},"spend-analysis","7ea1ea16-d8e7-42a9-9845-bb89ff685793",{"text":3324,"type":52}," at a single glance, something’s not right. Good spend management software presents expense information in a clear, compelling way, putting you in control.",{"type":540,"content":3326},[3327],{"type":61,"attrs":3328,"content":3329},{"textAlign":17},[3330,3334],{"text":3331,"type":52,"marks":3332},"Customizable payment options:",[3333],{"type":324},{"text":3335,"type":52}," Not every employee needs access to the same funds. Your software should let you choose the amount available to each person, and what they can spend it on.",{"type":540,"content":3337},[3338],{"type":61,"attrs":3339,"content":3340},{"textAlign":17},[3341,3345],{"text":3342,"type":52,"marks":3343},"Easy document capture:",[3344],{"type":324},{"text":3346,"type":52}," Businesses spend a lot of time storing and processing documents like invoices, receipts and purchase orders. A good software solution helps you capture and store these documents quickly and conveniently.",{"type":540,"content":3348},[3349],{"type":61,"attrs":3350,"content":3351},{"textAlign":17},[3352,3356],{"text":3353,"type":52,"marks":3354},"Time-saving automation:",[3355],{"type":324},{"text":3357,"type":52}," The most significant downside to traditional expense management is that it takes up so much time. A great spend management platform can free you up to focus on better - and more fun - things.",{"type":61,"attrs":3359,"content":3360},{"textAlign":17},[3361,3363],{"text":3362,"type":52},"This might seem like a lot, but it boils down to a simple idea: ",{"text":3364,"type":52,"marks":3365},"find a solution that gives you and your team a quick, secure and convenient procure-to-pay process.",[3366],{"type":324},{"type":61,"attrs":3368,"content":3369},{"textAlign":17},[3370],{"text":3371,"type":52},"With that in mind, let’s take a look at our software picks.",{"type":46,"attrs":3373,"content":3374},{"level":403,"textAlign":17},[3375],{"text":3376,"type":52},"Expense tools for growing businesses",{"type":61,"attrs":3378,"content":3379},{"textAlign":17},[3380],{"text":3381,"type":52,"marks":3382},"Expense management can be particularly tricky for growing businesses.",[3383],{"type":324},{"type":61,"attrs":3385,"content":3386},{"textAlign":17},[3387,3389,3395],{"text":3388,"type":52},"If you’re a medium-sized startup, you might think you can just get by relying on tried and true methods like employee ",{"text":3390,"type":52,"marks":3391},"expense claims",[3392],{"type":345,"attrs":3393},{"href":3394,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/glossary/expense-claims/",{"text":762,"type":52},{"type":61,"attrs":3397,"content":3398},{"textAlign":17},[3399,3401,3407],{"text":3400,"type":52},"Trust us - as soon as you start using a dedicated ",{"text":3402,"type":52,"marks":3403},"expense management tool",[3404],{"type":345,"attrs":3405},{"href":3406,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/en/expense-management-software/",{"text":3408,"type":52},", you’ll never want to go back.",{"type":61,"attrs":3410,"content":3411},{"textAlign":17},[3412,3414,3418],{"text":3413,"type":52},"For growing businesses, it’s important to ",{"text":3415,"type":52,"marks":3416},"find a software solution that is intuitive and quick to integrate",[3417],{"type":324},{"text":3419,"type":52},", all while being affordable. Fortunately, we’ve got a couple of suggestions.",{"type":46,"attrs":3421,"content":3422},{"level":459,"textAlign":17},[3423],{"text":252,"type":52},{"type":61,"attrs":3425,"content":3426},{"textAlign":17},[3427,3432,3434,3438,3440,3447],{"text":252,"type":52,"marks":3428},[3429],{"type":345,"attrs":3430},{"href":3431,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/",{"text":3433,"type":52}," is a comprehensive spend management solution with a bunch of intuitive and helpful features. With Spendesk, businesses can automate recurring expenses and ",{"text":3435,"type":52,"marks":3436},"automatically match invoices to expense claims",[3437],{"type":324},{"text":3439,"type":52}," (thanks to ",{"text":3441,"type":52,"marks":3442},"OCR software",[3443],{"type":345,"attrs":3444},{"href":3445,"uuid":3446,"anchor":17,"target":368,"linktype":1095},"ocr-software-solutions","ca5db597-b454-4c86-928e-6c9bdee8f3e1",{"text":3448,"type":52},"), saving a lot of time.",{"type":61,"attrs":3450,"content":3451},{"textAlign":17},[3452,3454,3458,3460,3464],{"text":3453,"type":52},"Where Spendesk really comes into its own, however, it in its flexibility. Spendesk allows companies to ",{"text":3455,"type":52,"marks":3456},"tailor debit cards to individual staff and categories of spending",[3457],{"type":324},{"text":3459,"type":52},", and also offers ",{"text":3461,"type":52,"marks":3462},"single-use virtual credit cards for online purchases",[3463],{"type":324},{"text":762,"type":52},{"type":61,"attrs":3466,"content":3467},{"textAlign":17},[3468],{"text":3469,"type":52},"Spendesk also offers same-time payment validation via push notifications, as well as a point-in-time overview of expenses, bringing everything together in a single comprehensive dashboard. Spendesk also integrates with most accounting tools.",{"type":61,"attrs":3471,"content":3472},{"textAlign":17},[3473,3477,3479,3480,3484],{"text":3474,"type":52,"marks":3475},"Pros",[3476],{"type":324},{"text":3478,"type":52},": Intuitive to use; strong focus on security and flexibility; great integration.",{"type":76},{"text":3481,"type":52,"marks":3482},"Cons",[3483],{"type":324},{"text":3485,"type":52},": Better suited to growing businesses rather than lone entrepreneurs.",{"type":61,"attrs":3487,"content":3488},{"textAlign":17},[3489],{"type":326,"attrs":3490},{"id":3491,"body":3492},"52581d94-8001-4783-8001-131213b85fcb",[3493],{"_uid":3494,"html":3495,"component":2545},"8838b739-f0e5-4713-91b2-8a1f5932924c","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-6bf1d8bf-3e39-4201-9135-1fb176a526b5\">\u003Cspan class=\"hs-cta-node hs-cta-6bf1d8bf-3e39-4201-9135-1fb176a526b5\" id=\"hs-cta-6bf1d8bf-3e39-4201-9135-1fb176a526b5\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/6bf1d8bf-3e39-4201-9135-1fb176a526b5\" target=\"_blank\" rel=\"noopener\">\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-6bf1d8bf-3e39-4201-9135-1fb176a526b5\" style=\"border-width:0px;\" height=\"540\" width=\"1680\" src=\"https://no-cache.hubspot.com/cta/default/2694209/6bf1d8bf-3e39-4201-9135-1fb176a526b5.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '6bf1d8bf-3e39-4201-9135-1fb176a526b5', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":46,"attrs":3497,"content":3498},{"level":459,"textAlign":17},[3499],{"text":3500,"type":52},"FreshBooks",{"type":61,"attrs":3502,"content":3503},{"textAlign":17},[3504],{"type":450,"attrs":3505},{"id":17,"alt":3506,"src":3507,"title":17,"source":17,"copyright":17,"meta_data":3508},"FreshBookks-ProductFamily-","https://get.spendesk.com/hubfs/FreshBookks-ProductFamily-.png",{},{"type":61,"attrs":3510,"content":3511},{"textAlign":17},[3512,3514,3519,3521,3525],{"text":3513,"type":52},"Marketed primarily as accounting software, ",{"text":3500,"type":52,"marks":3515},[3516],{"type":345,"attrs":3517},{"href":3518,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://www.freshbooks.com/",{"text":3520,"type":52}," also features an ",{"text":3522,"type":52,"marks":3523},"automated expense tool that allows users to record and manage expenses",[3524],{"type":324},{"text":3526,"type":52},". For a lot of growing businesses already relying on FreshBooks for their accounting needs, this is a handy little feature.",{"type":61,"attrs":3528,"content":3529},{"textAlign":17},[3530,3532,3538],{"text":3531,"type":52},"Though it might not incorporate the wider range of features included in other ",{"text":3533,"type":52,"marks":3534},"expense management tools",[3535],{"type":345,"attrs":3536},{"href":3537,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://blog.economize.cloud/top-cloud-cost-management-tools/",{"text":3539,"type":52},", for a lot of growing businesses, FreshBooks is a good place to start.",{"type":61,"attrs":3541,"content":3542},{"textAlign":17},[3543],{"text":3544,"type":52},"If you’re already using FreshBooks to help manage your accounts, be sure to check out its automated expense management tool - you might not realise how useful it is.",{"type":61,"attrs":3546,"content":3547},{"textAlign":17},[3548,3551,3553,3554,3557],{"text":3474,"type":52,"marks":3549},[3550],{"type":324},{"text":3552,"type":52},": Widespread; easy to use; intuitive user interface.",{"type":76},{"text":3481,"type":52,"marks":3555},[3556],{"type":324},{"text":3558,"type":52},": Foremost an accounting solution; limited functionality beyond expense tracking.",{"type":46,"attrs":3560,"content":3561},{"level":403,"textAlign":17},[3562],{"text":3563,"type":52},"Enterprise tools",{"type":61,"attrs":3565,"content":3566},{"textAlign":17},[3567,3571],{"text":3568,"type":52,"marks":3569},"For larger companies, spend management is a high-stakes question.",[3570],{"type":324},{"text":3572,"type":52}," After all, the more employees making purchases, the more time is spent processing reimbursements.",{"type":61,"attrs":3574,"content":3575},{"textAlign":17},[3576,3578,3585],{"text":3577,"type":52},"A larger number of employees can also contribute to a higher likelihood of ",{"text":3579,"type":52,"marks":3580},"expense fraud",[3581],{"type":345,"attrs":3582},{"href":3583,"uuid":3584,"anchor":17,"target":368,"linktype":1095},"expense-report-process","9b42b8b7-e924-4563-b9fb-c2a622c1dfa6",{"text":3586,"type":52},", as it is often more of a challenge to keep tabs on where company funds are going.",{"type":61,"attrs":3588,"content":3589},{"textAlign":17},[3590,3592,3599],{"text":3591,"type":52},"Enterprises are usually looking for more robust supply chain management, strategic sourcing, and all-around ",{"text":3593,"type":52,"marks":3594},"procurement software",[3595],{"type":345,"attrs":3596},{"href":3597,"uuid":3598,"anchor":17,"target":368,"linktype":1095},"procurement-tools","3690ac74-be27-4c3e-9727-d32eb1b0b562",{"text":762,"type":52},{"type":61,"attrs":3601,"content":3602},{"textAlign":17},[3603],{"text":3604,"type":52},"But fear not! We’ve got a couple of useful tools to help you stay on top of things.",{"type":46,"attrs":3606,"content":3607},{"level":459,"textAlign":17},[3608],{"text":3609,"type":52},"Certify",{"type":61,"attrs":3611,"content":3612},{"textAlign":17},[3613],{"type":450,"attrs":3614},{"id":17,"alt":3615,"src":3616,"title":17,"source":17,"copyright":17,"meta_data":3617},"certify-travel-software","https://get.spendesk.com/hubfs/certify-travel-software.jpg","[object Object]",{"type":61,"attrs":3619,"content":3620},{"textAlign":17},[3621,3623,3628],{"text":3622,"type":52},"Aimed at simplifying the spend management process, from travel expenses to automated accounts payable, ",{"text":3609,"type":52,"marks":3624},[3625],{"type":345,"attrs":3626},{"href":3627,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.certify.com/",{"text":3629,"type":52}," helps larger companies to streamline their systems and save time. For larger enterprises with a workforce on the move, this is particularly helpful.",{"type":61,"attrs":3631,"content":3632},{"textAlign":17},[3633,3635,3639],{"text":3634,"type":52},"Certify includes a handy mileage calculator, and its web-based platform makes it easy for users to ",{"text":3636,"type":52,"marks":3637},"take care of common travel expenses like tickets and meals",[3638],{"type":324},{"text":3640,"type":52},". Companies can also customise approval flows, making sure expense claims go to the right place.",{"type":61,"attrs":3642,"content":3643},{"textAlign":17},[3644,3646,3650],{"text":3645,"type":52},"Certify also includes an intuitive and easy-to-use interface, allowing users to ",{"text":3647,"type":52,"marks":3648},"manage their expenses quickly and painlessly no matter where they are",[3649],{"type":324},{"text":762,"type":52},{"type":61,"attrs":3652,"content":3653},{"textAlign":17},[3654,3657,3659,3663,3665,3666,3669],{"text":3474,"type":52,"marks":3655},[3656],{"type":324},{"text":3658,"type":52},": Can handle accounts payable ",{"text":3660,"type":52,"marks":3661},"and",[3662],{"type":354},{"text":3664,"type":52}," travel expenses; great mileage calculator.",{"type":76},{"text":3481,"type":52,"marks":3667},[3668],{"type":324},{"text":3670,"type":52},": Not as suitable for growing startups.",{"type":46,"attrs":3672,"content":3673},{"level":459,"textAlign":17},[3674],{"text":3675,"type":52},"Certinia",{"type":326,"attrs":3677},{"id":3678,"body":3679},"9bbfe7b8-142f-4a77-904c-4cf2b5c66584",[3680],{"_uid":3681,"type":18,"asset":3682,"shadow":14,"caption":18,"overlay":3686,"component":450},"3dffbd33-6b2b-4d79-b48d-33b0bb7e836a",{"id":3683,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":3684,"copyright":18,"fieldtype":19,"meta_data":3685,"is_external_url":14},10839192,"https://a.storyblok.com/f/146026/850x474/c49d445d4b/capture-d-ecran-2023-08-28-a-11-23-36.png",{},[],{"type":61,"attrs":3688,"content":3689},{"textAlign":17},[3690,3696,3698,3703],{"text":3691,"type":52,"marks":3692},"FinancialForce",[3693],{"type":345,"attrs":3694},{"href":3695,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.financialforce.com/financial-management/accounting/",{"text":3697,"type":52}," has rebranded to ",{"text":3675,"type":52,"marks":3699},[3700],{"type":345,"attrs":3701},{"href":3702,"uuid":17,"anchor":17,"target":2165,"linktype":267},"https://www.salesforceben.com/financialforce-rebrands-as-certinia-beyond-erp/",{"text":3704,"type":52},". It's a multi-purpose cloud accounting and ERP tool run on Salesforce and aimed at helping startups organise their operations and projects. Built with tons of features, Certinia is well-suited for businesses of all sizes looking for a comprehensive ERP platform.",{"type":61,"attrs":3706,"content":3707},{"textAlign":17},[3708],{"text":3709,"type":52},"While more of a general ERP tool than a bespoke spend management tool, it does feature a powerful cash management function. With Certinia, users can streamline cash and banking management, among other features such as automated workflows and direct and indirect spend visibility.",{"type":61,"attrs":3711,"content":3712},{"textAlign":17},[3713,3716,3718,3719,3722],{"text":3474,"type":52,"marks":3714},[3715],{"type":324},{"text":3717,"type":52},": Powerful system and comprehensive customer database maintenance capabilities.",{"type":76},{"text":3481,"type":52,"marks":3720},[3721],{"type":324},{"text":3723,"type":52},": Many features and modules, lengthy configuration process.",{"type":46,"attrs":3725,"content":3726},{"level":403,"textAlign":17},[3727],{"text":3728,"type":52},"Tools for freelancers and solopreneurs",{"type":61,"attrs":3730,"content":3731},{"textAlign":17},[3732,3734,3740],{"text":3733,"type":52},"If you’re a freelancer or solopreneur (",{"text":3735,"type":52,"marks":3736},"it’s a word, trust us",[3737],{"type":345,"attrs":3738},{"href":3739,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://www.entrepreneur.com/article/245766",{"text":3741,"type":52},"), you want a quick and nimble spend management tool that’s easy to get to grips with.",{"type":61,"attrs":3743,"content":3744},{"textAlign":17},[3745,3749],{"text":3746,"type":52,"marks":3747},"For people working either alone or on a smaller scale, simplicity is key.",[3748],{"type":324},{"text":3750,"type":52}," After all, you probably already have a pretty decent idea of your expenses if you’re the only one making business purchases.",{"type":61,"attrs":3752,"content":3753},{"textAlign":17},[3754],{"text":3755,"type":52},"With this in mind, we have a couple of great tools to save you Lone Ranger types a bunch of time and effort.",{"type":46,"attrs":3757,"content":3758},{"level":459,"textAlign":17},[3759],{"text":3760,"type":52},"Wave",{"type":61,"attrs":3762,"content":3763},{"textAlign":17},[3764,3769,3771,3779,3783],{"text":3760,"type":52,"marks":3765},[3766],{"type":345,"attrs":3767},{"href":3768,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://www.waveapps.com/",{"text":3770,"type":52}," is an excellent all-around ",{"text":3772,"type":52,"marks":3773},"bookkeeping tool",[3774,3778],{"type":345,"attrs":3775},{"href":3776,"uuid":3777,"anchor":17,"target":17,"linktype":1095},"what-is-bookkeeping","898f520f-c940-4048-be7b-dde4d4c5fdaa",{"type":324},{"text":3780,"type":52,"marks":3781}," for freelancers and budding entrepreneurs",[3782],{"type":324},{"text":3784,"type":52},". Because most people in this position lack finance skills, the platform does most of the heavy lifting for you.",{"type":61,"attrs":3786,"content":3787},{"textAlign":17},[3788],{"text":3789,"type":52},"It lets solo business owners accept credit card payments, process invoices, and keep their books in order.",{"type":61,"attrs":3791,"content":3792},{"textAlign":17},[3793,3798,3799,3801,3805],{"type":450,"attrs":3794},{"id":17,"alt":3795,"src":3796,"title":17,"source":17,"copyright":17,"meta_data":3797},"wave-spend-management","https://get.spendesk.com/hubfs/wave-spend-management.png",{},{"type":76},{"text":3800,"type":52},"And of course, Wave features ",{"text":3802,"type":52,"marks":3803},"the all-important receipt-scanning software",[3804],{"type":324},{"text":3806,"type":52}," that on-the-go spenders need to track expenses.",{"type":61,"attrs":3808,"content":3809},{"textAlign":17},[3810,3812,3816],{"text":3811,"type":52},"The very best part? You need to pay for credit card processing (if accepting payments), but ",{"text":3813,"type":52,"marks":3814},"everything else is free",[3815],{"type":324},{"text":3817,"type":52},"!",{"type":61,"attrs":3819,"content":3820},{"textAlign":17},[3821,3824,3826,3827,3830],{"text":3474,"type":52,"marks":3822},[3823],{"type":324},{"text":3825,"type":52},": Gives freelancers all of the important tools they might otherwise lack. ",{"type":76},{"text":3481,"type":52,"marks":3828},[3829],{"type":324},{"text":3831,"type":52},": May have more tools than some users need.",{"type":46,"attrs":3833,"content":3834},{"level":459,"textAlign":17},[3835],{"text":3836,"type":52},"Expensify",{"type":61,"attrs":3838,"content":3839},{"textAlign":17},[3840,3845],{"type":450,"attrs":3841},{"id":17,"alt":3842,"src":3843,"title":17,"source":17,"copyright":17,"meta_data":3844},"Expensify-suiteapp","https://get.spendesk.com/hubfs/Expensify-suiteapp.jpeg",{},{"text":3846,"type":52},"Image source: SuiteApp",{"type":61,"attrs":3848,"content":3849},{"textAlign":17},[3850,3855,3857,3863],{"text":3836,"type":52,"marks":3851},[3852],{"type":345,"attrs":3853},{"href":3854,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.expensify.com/",{"text":3856,"type":52}," is a handy expense management tool used by many small businesses. With Expensify, users can import expenses from an existing credit card, and can generate ",{"text":3858,"type":52,"marks":3859},"expense reports",[3860],{"type":345,"attrs":3861},{"href":3862,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://www.spendesk.com/en/expense-report-software/",{"text":3864,"type":52}," quickly and easily.",{"type":61,"attrs":3866,"content":3867},{"textAlign":17},[3868,3870,3874],{"text":3869,"type":52},"Aimed at freelancers and emerging businesses, Expensify ",{"text":3871,"type":52,"marks":3872},"helps to automate recurring payments",[3873],{"type":324},{"text":3875,"type":52},", and also makes it a lot easier to record and process expenses.",{"type":61,"attrs":3877,"content":3878},{"textAlign":17},[3879,3884],{"text":3836,"type":52,"marks":3880},[3881],{"type":345,"attrs":3882},{"href":3883,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://www.spendesk.com/en/alternative/expensify/",{"text":3885,"type":52},"  also wins points for its smooth user interface, presenting expense information in a single screen.",{"type":61,"attrs":3887,"content":3888},{"textAlign":17},[3889,3892,3894,3895,3898],{"text":3474,"type":52,"marks":3890},[3891],{"type":324},{"text":3893,"type":52},": Easy to use; well-suited to small and emerging businesses.",{"type":76},{"text":3481,"type":52,"marks":3896},[3897],{"type":324},{"text":3899,"type":52},": Some reports of software integration issues.",{"type":46,"attrs":3901,"content":3902},{"level":459,"textAlign":17},[3903],{"text":3904,"type":52},"Dext",{"type":61,"attrs":3906,"content":3907},{"textAlign":17},[3908,3913,3915,3921],{"text":3904,"type":52,"marks":3909},[3910],{"type":345,"attrs":3911},{"href":3912,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://dext.com/en",{"text":3914,"type":52}," (formerly ",{"text":3916,"type":52,"marks":3917},"Receipt Bank",[3918],{"type":345,"attrs":3919},{"href":3920,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://dext.com/en/receipt-bank",{"text":3922,"type":52},") focuses on nailing one thing: easy data extraction from invoices, bills, receipts, and other expense documents.",{"type":61,"attrs":3924,"content":3925},{"textAlign":17},[3926,3928,3932],{"text":3927,"type":52},"With Dext, users no longer have to worry about keeping physical copies of documents, and can instead ",{"text":3929,"type":52,"marks":3930},"scan and automatically upload them to a range of accounting software",[3931],{"type":324},{"text":762,"type":52},{"type":61,"attrs":3934,"content":3935},{"textAlign":17},[3936],{"text":3937,"type":52},"Dext also seamlessly integrates with your accounting software: Xero, Quickbooks, Sage, and more.",{"type":61,"attrs":3939,"content":3940},{"textAlign":17},[3941],{"text":3942,"type":52},"This simple design has already saved countless hours of time for freelancers and small business owners. Check it out, and see how it could help you.",{"type":61,"attrs":3944,"content":3945},{"textAlign":17},[3946,3949,3951,3952,3955],{"text":3474,"type":52,"marks":3947},[3948],{"type":324},{"text":3950,"type":52},": Simple concept; great integrations; time-saving data extraction.",{"type":76},{"text":3481,"type":52,"marks":3953},[3954],{"type":324},{"text":3956,"type":52},": Limited features aside from its core purpose.",{"type":61,"attrs":3958,"content":3959},{"textAlign":17},[3960],{"text":3961,"type":52},"Now, let’s take a look at a couple of handy tools for growing businesses.",{"type":46,"attrs":3963,"content":3964},{"level":459,"textAlign":17},[3965],{"text":3966,"type":52},"Scanbot",{"type":61,"attrs":3968,"content":3969},{"textAlign":17},[3970],{"type":450,"attrs":3971},{"id":17,"alt":3972,"src":3973,"title":17,"source":17,"copyright":17,"meta_data":3974},"Scanbot-spend-management","https://get.spendesk.com/hubfs/Scanbot-spend-management.png",{},{"type":61,"attrs":3976,"content":3977},{"textAlign":17},[3978,3983],{"text":3966,"type":52,"marks":3979},[3980],{"type":345,"attrs":3981},{"href":3982,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://scanbot.io/",{"text":3984,"type":52}," is a bit of a bonus on this list, because it's not strictly speaking just for spend management. Instead, this great tool lets you scan any document with your phone.",{"type":61,"attrs":3986,"content":3987},{"textAlign":17},[3988,3990,3994],{"text":3989,"type":52},"Naturally, that includes receipts and invoices. You can ",{"text":3991,"type":52,"marks":3992},"instantly digitise these documents and save them to the folder of your choice",[3993],{"type":324},{"text":3995,"type":52},". Business travellers can therefore save every receipt as they go, safe in the knowledge that they'll have it when they need it (later on).",{"type":61,"attrs":3997,"content":3998},{"textAlign":17},[3999,4002,4004,4005,4008],{"text":3474,"type":52,"marks":4000},[4001],{"type":324},{"text":4003,"type":52},": Very simple to use and has lots of applications. ",{"type":76},{"text":3481,"type":52,"marks":4006},[4007],{"type":324},{"text":4009,"type":52},": Not specifically designed for expenses, so may lack some features.",{"type":46,"attrs":4011,"content":4012},{"level":403,"textAlign":17},[4013],{"text":4014,"type":52},"Spend management for agencies",{"type":61,"attrs":4016,"content":4017},{"textAlign":17},[4018],{"text":4019,"type":52},"Agencies have a unique challenge when it comes to managing spend. They have different budgets for each client, and need to carefully keep track of time, spending, and resources for each. But many simply don’t have that clear spend data at hand.",{"type":61,"attrs":4021,"content":4022},{"textAlign":17},[4023],{"text":4024,"type":52},"In researching this post, we found an interesting expense and project management tool that appeals especially to agencies.",{"type":46,"attrs":4026,"content":4027},{"level":459,"textAlign":17},[4028],{"text":4029,"type":52},"Avaza",{"type":61,"attrs":4031,"content":4032},{"textAlign":17},[4033],{"type":450,"attrs":4034},{"id":17,"alt":4035,"src":4036,"title":17,"source":17,"copyright":17,"meta_data":4037},"avaza-expense-management","https://get.spendesk.com/hubfs/avaza-expense-management.png",{},{"type":61,"attrs":4039,"content":4040},{"textAlign":17},[4041,4046],{"text":4029,"type":52,"marks":4042},[4043],{"type":345,"attrs":4044},{"href":4045,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.avaza.com/",{"text":4047,"type":52}," combines the key features of project management tools like Trello or Slite, alongside some good expense management features. Users can track time spent on a project either manually or in real time, which is a big need for agencies and consultants.",{"type":61,"attrs":4049,"content":4050},{"textAlign":17},[4051,4053,4057],{"text":4052,"type":52},"The tool lets you create budget estimates for projects, then track spending as the project goes along. Expenses are assigned to the correct project and can be labeled ",{"text":4054,"type":52,"marks":4055},"non-billable",[4056],{"type":354},{"text":4058,"type":52}," where appropriate.",{"type":61,"attrs":4060,"content":4061},{"textAlign":17},[4062,4065,4067,4068,4071,4073],{"text":3474,"type":52,"marks":4063},[4064],{"type":324},{"text":4066,"type":52},": Free trial lets you test most features; customisable depending on the project; combines lots of tools in one.",{"type":76},{"text":3481,"type":52,"marks":4069},[4070],{"type":324},{"text":4072,"type":52},": No accounting features; may be too large for managing small projects.",{"type":76},{"type":46,"attrs":4075,"content":4076},{"level":403,"textAlign":17},[4077],{"text":4078,"type":52,"marks":4079},"Travel spend management",[4080],{"type":324},{"type":61,"attrs":4082,"content":4083},{"textAlign":17},[4084],{"text":4085,"type":52},"Spend management shouldn't fall to the wayside when employees travel for work. In fact, managing spend while travelling is even more important than when working from the office -- costs can quickly spiral out of control, not to mention the headache of keeping up with receipts and facing costly travel-related surprises. We have a great tool in mind that helps manage travel spend plus facilitates bookings (and more!).",{"type":46,"attrs":4087,"content":4088},{"level":459,"textAlign":17},[4089],{"text":4090,"type":52,"marks":4091},"TravelPerk",[4092],{"type":324},{"type":61,"attrs":4094,"content":4095},{"textAlign":17},[4096,4101],{"text":4090,"type":52,"marks":4097},[4098],{"type":345,"attrs":4099},{"href":4100,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://www.travelperk.com/?utm_source=spendesk&utm_medium=ipp&utm_campaign=19-04-GL-DO-Spendesk-1986",{"text":4102,"type":52}," is an essential tool for managing spend while travelling for work. It makes booking and managing corporate travel a breeze — plus it also helps businesses limit travel spend so finance teams can rest easy while employees are away.",{"type":61,"attrs":4104,"content":4105},{"textAlign":17},[4106,4108,4114],{"text":4107,"type":52},"The best part? ",{"text":4109,"type":52,"marks":4110},"TravelPerk integrates seamlessly with Spendesk",[4111],{"type":345,"attrs":4112},{"href":4113,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://www.spendesk.com/integrations/travelperk-integration/",{"text":4115,"type":52},"! Now, users can enjoy TravelPerk's travel management they know and love with Spendesk's best-in-class spend management solution. With automated receipt capture, streamlined approval workflows, and optimal spend visibility, these connected spend and travel management tools relieve pressure on both the travelling employee and the finance team.",{"type":46,"attrs":4117,"content":4118},{"level":403,"textAlign":17},[4119],{"text":2922,"type":52},{"type":61,"attrs":4121,"content":4122},{"textAlign":17},[4123],{"text":4124,"type":52,"marks":4125},"When choosing a spend management solution, it helps to know what you’re after.",[4126],{"type":324},{"type":61,"attrs":4128,"content":4129},{"textAlign":17},[4130],{"text":4131,"type":52},"If you’re a freelancer or small business owner, you’ll want something that’s simple and easy to use. If you’re a growing business or a large enterprise, chances are you’ll want something a little more comprehensive, with enough flexibility to suit your needs.",{"type":61,"attrs":4133,"content":4134},{"textAlign":17},[4135,4139,4145,4149],{"text":4136,"type":52,"marks":4137},"Whatever you decide on, it’s time to take business ",[4138],{"type":324},{"text":3270,"type":52,"marks":4140},[4141,4144],{"type":345,"attrs":4142},{"href":4143,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/spend-management/",{"type":324},{"text":4146,"type":52,"marks":4147}," seriously.",[4148],{"type":324},{"text":4150,"type":52}," Not only will you save a lot of time and effort, you’ll also have a higher degree of certainty over where your funds are going.",{"type":61,"attrs":4152,"content":4153},{"textAlign":17},[4154],{"text":4155,"type":52},"Good luck out there!",{"type":61,"attrs":4157,"content":4158},{"textAlign":17},[4159],{"type":326,"attrs":4160},{"id":3491,"body":4161},[4162],{"_uid":4163,"html":4164,"component":2545},"ec67bedc-b5a2-4f6d-a295-93fd9933b3d1","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-37e146ea-8f72-40ab-87b2-85ab3c5466b2\">\u003Cspan class=\"hs-cta-node hs-cta-37e146ea-8f72-40ab-87b2-85ab3c5466b2\" id=\"hs-cta-37e146ea-8f72-40ab-87b2-85ab3c5466b2\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/37e146ea-8f72-40ab-87b2-85ab3c5466b2\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-37e146ea-8f72-40ab-87b2-85ab3c5466b2\" style=\"border-width:0px;\" height=\"244\" width=\"750\" src=\"https://no-cache.hubspot.com/cta/default/2694209/37e146ea-8f72-40ab-87b2-85ab3c5466b2.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '37e146ea-8f72-40ab-87b2-85ab3c5466b2', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"name":1061,"created_at":1062,"published_at":118,"updated_at":1063,"id":1064,"uuid":1065,"content":4166,"slug":1073,"full_slug":1074,"sort_by_date":17,"position":152,"tag_list":4168,"is_startpage":14,"parent_id":1076,"meta_data":17,"group_id":1077,"first_published_at":1078,"release_id":17,"lang":132,"path":17,"alternates":4169,"default_full_slug":1074,"translated_slugs":4170,"_stopResolving":141},{"_uid":1067,"icon":4167,"name":1061,"component":1072},{"id":1069,"alt":1070,"name":18,"focus":18,"title":18,"filename":1071,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[4171,4172,4173],{"path":1074,"name":17,"lang":136,"published":17},{"path":1074,"name":17,"lang":138,"published":17},{"path":1074,"name":17,"lang":140,"published":17},[132],[4176],{"_uid":4177,"type":18,"asset":4178,"shadow":14,"caption":18,"overlay":4183,"component":450},"b49b10f0-3176-4fef-8297-506d1606599e",{"id":4179,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":4180,"copyright":18,"fieldtype":19,"meta_data":4181,"is_external_url":14},6963059,"https://a.storyblok.com/f/146026/1190x670/2adc88ccc8/best-spend-management-software-blog.png",{"size":4182},"1020x680",[],[],"2024-05-15 12:00","10",[],"Looking for the best spend management software available in 2026? Here are the top tools for solopreneurs, growing businesses, & enterprise companies.",[4190],{"_uid":4191,"items":4192,"heading":4238,"reverse":14,"component":1290,"sectionSettings":4256},"c7b946ba-00f1-452d-8b25-3d2ca1b41c20",[4193,4202,4211,4220,4229],{"_uid":4194,"title":4195,"component":1141,"description":4196},"cd390b92-32ac-4f9d-ba5c-e9f5157f1217","What is spend management software and how does Spendesk help?",{"type":43,"content":4197},[4198],{"type":61,"content":4199},[4200],{"text":4201,"type":52},"Spendesk is a spend management platform that centralizes company spending and automates approvals, combining virtual and physical cards, receipt capture, and real-time spend analytics. Spendesk provides automated expense reports, per-card budgets, and detailed reporting to reduce manual reconciliation and give finance teams transparent control over company-wide expenses.",{"_uid":4203,"title":4204,"component":1141,"description":4205},"98282667-849b-4caa-9093-9afe853d6d29","How does Spendesk automate expense reporting for employees and finance teams?",{"type":43,"content":4206},[4207],{"type":61,"content":4208},[4209],{"text":4210,"type":52},"Spendesk automates expense reporting by linking card transactions to digital receipt capture, automatic matching, and preconfigured approval workflows. Spendesk reduces manual entry with one-click receipt uploads, automatic reconciliation to accounting systems, and policy enforcement rules that speed up approvals and shorten month-end close cycles.",{"_uid":4212,"title":4213,"component":1141,"description":4214},"66eca546-67bf-44a0-a78a-7cd3b3c539bf","Can Spendesk integrate with accounting or ERP systems like Xero, QuickBooks, or NetSuite?",{"type":43,"content":4215},[4216],{"type":61,"content":4217},[4218],{"text":4219,"type":52},"Spendesk offers native integrations with major accounting platforms such as Xero, QuickBooks, and NetSuite to automate transaction sync and reconciliation. Spendesk maps transactions, VAT, and cost centers automatically, enabling finance teams to export clean journals and maintain consistent ledgers across systems.",{"_uid":4221,"title":4222,"component":1141,"description":4223},"f98df2de-f101-4fd4-a7b0-8ae6d8062817","How does Spendesk control and prevent unauthorized spending?",{"type":43,"content":4224},[4225],{"type":61,"content":4226},[4227],{"text":4228,"type":52},"Spendesk enforces spending controls through virtual and physical cards with granular spend limits, real-time authorizations, and multi-level approval workflows. Spendesk also provides pre-approval rules, per-project budgets, and instant notifications so finance teams can block or adjust cards immediately and prevent out-of-policy expenses.",{"_uid":4230,"title":4231,"component":1141,"description":4232},"74330c46-8141-44eb-a2b0-1b72e5b1d0d0","Is Spendesk suitable for small businesses and growing finance teams?",{"type":43,"content":4233},[4234],{"type":61,"content":4235},[4236],{"text":4237,"type":52},"Spendesk supports small businesses and growing finance teams with scalable tools such as per-card budgets, approval automation, and tiered user roles for administrators, managers, and employees. 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",[4335],{"type":72,"attrs":4336},{"color":74},{"text":4338,"type":52},"ESG sits at the heart of investment decisions, company strategy and new rules.",{"text":4340,"type":52,"marks":4341}," This is more than a trend – it’s changing how we measure business success and financial health.",[4342],{"type":72,"attrs":4343},{"color":74},{"type":46,"attrs":4345,"content":4346},{"level":403},[4347],{"text":4348,"type":52},"What is ESG and why does it matter?",{"type":61,"content":4350},[4351,4353,4357],{"text":4352,"type":52},"ESG stands for Environmental, Social, and Governance – three key pillars used to ",{"text":4354,"type":52,"marks":4355},"measure the sustainability and ethical impact of a company’s operations",[4356],{"type":324},{"text":4358,"type":52},". ESG criteria are widely used by investors to assess potential investments and by companies to guide responsible business practices. 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But evidence increasingly shows that companies with robust ESG practices can outperform their peers over the long term. 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Achieving net zero emissions by 2050 is expected to require trillions of dollars in global investment.",{"type":61,"content":4700},[4701],{"text":4702,"type":52},"Banks and investors are responding with more green loans, climate-friendly products and green bonds. Groups like the Glasgow Financial Alliance for Net Zero (GFANZ) unite hundreds of banks and funds aiming for net zero by 2050.",{"type":46,"attrs":4704,"content":4705},{"level":403},[4706],{"text":4707,"type":52},"Social factors gaining prominence",{"type":61,"content":4709},[4710],{"text":4711,"type":52},"While climate issues have dominated the ESG agenda in recent years, social factors are receiving increased attention, particularly following the COVID-19 pandemic and heightened awareness of social inequality.",{"type":61,"content":4713},[4714],{"text":4715,"type":52},"Key social considerations for investors include:",{"type":537,"content":4717},[4718,4724,4730,4736,4742],{"type":540,"content":4719},[4720],{"type":61,"content":4721},[4722],{"text":4723,"type":52},"Workforce practices (wages, benefits, health and safety)",{"type":540,"content":4725},[4726],{"type":61,"content":4727},[4728],{"text":4729,"type":52},"Diversity, equity, and inclusion initiatives",{"type":540,"content":4731},[4732],{"type":61,"content":4733},[4734],{"text":4735,"type":52},"Supply chain management and human rights",{"type":540,"content":4737},[4738],{"type":61,"content":4739},[4740],{"text":4741,"type":52},"Product safety and data privacy",{"type":540,"content":4743},[4744],{"type":61,"content":4745},[4746],{"text":4747,"type":52},"Community relations and social impact",{"type":61,"content":4749},[4750],{"text":4751,"type":52},"Companies with strong social performance tend to benefit from enhanced brand reputation, greater customer loyalty, and improved ability to attract and retain employees – all factors that can contribute to long-term financial success.",{"type":46,"attrs":4753,"content":4754},{"level":403},[4755],{"text":4756,"type":52},"Governance: The foundation of ESG",{"type":61,"content":4758},[4759],{"text":4760,"type":52},"Effective governance provides the foundation for addressing environmental and social challenges. ",{"type":61,"content":4762},[4763],{"text":4764,"type":52},"Governance considerations include:",{"type":537,"content":4766},[4767,4773,4779,4785,4791,4797],{"type":540,"content":4768},[4769],{"type":61,"content":4770},[4771],{"text":4772,"type":52},"Board composition, diversity, and independence",{"type":540,"content":4774},[4775],{"type":61,"content":4776},[4777],{"text":4778,"type":52},"Executive compensation structures",{"type":540,"content":4780},[4781],{"type":61,"content":4782},[4783],{"text":4784,"type":52},"Shareholder rights and engagement",{"type":540,"content":4786},[4787],{"type":61,"content":4788},[4789],{"text":4790,"type":52},"Business ethics and anti-corruption measures",{"type":540,"content":4792},[4793],{"type":61,"content":4794},[4795],{"text":4796,"type":52},"Tax transparency and responsibility",{"type":540,"content":4798},[4799],{"type":61,"content":4800},[4801],{"text":4802,"type":52},"Risk management 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questions",[4835],{"type":324},{"text":4837,"type":52},": Different ESG issues may be more or less financially material depending on the industry and company.",{"type":540,"content":4839},[4840],{"type":61,"content":4841},[4842,4846],{"text":4843,"type":52,"marks":4844},"Short-termism",[4845],{"type":324},{"text":4847,"type":52},": Financial markets' focus on quarterly results can conflict with the long-term nature of many ESG considerations.",{"type":540,"content":4849},[4850],{"type":61,"content":4851},[4852,4856],{"text":4853,"type":52,"marks":4854},"Greenwashing concerns",[4855],{"type":324},{"text":4857,"type":52},": Companies may exaggerate their ESG credentials to attract investment without making substantive changes.",{"type":540,"content":4859},[4860],{"type":61,"content":4861},[4862,4866],{"text":4863,"type":52,"marks":4864},"Politicisation",[4865],{"type":324},{"text":4867,"type":52},": In some markets, particularly the US, ESG has become entangled in broader political debates about the role of corporations in society.",{"type":540,"content":4869},[4870],{"type":61,"content":4871},[4872,4876],{"text":4873,"type":52,"marks":4874},"Performance debates",[4875],{"type":324},{"text":4877,"type":52},": While evidence generally supports the financial case for ESG, some studies have found mixed or negative relationships between ESG factors and returns.",{"type":61,"content":4879},[4880],{"text":4881,"type":52},"Addressing these challenges requires continued refinement of ESG methodologies, greater transparency, and clearer connections between specific ESG factors and financial outcomes.",{"type":46,"attrs":4883,"content":4884},{"level":403},[4885],{"text":4886,"type":52},"The future of ESG and finance",{"type":61,"content":4888},[4889],{"text":4890,"type":52},"Looking ahead, several trends are likely to shape the evolution of ESG in finance:",{"type":537,"content":4892},[4893,4903,4913,4923,4933,4943],{"type":540,"content":4894},[4895],{"type":61,"content":4896},[4897,4901],{"text":4898,"type":52,"marks":4899},"Standardisation and regulation",[4900],{"type":324},{"text":4902,"type":52},": Continued movement toward standardised ESG reporting frameworks and increased regulatory requirements.",{"type":540,"content":4904},[4905],{"type":61,"content":4906},[4907,4911],{"text":4908,"type":52,"marks":4909},"Technology integration",[4910],{"type":324},{"text":4912,"type":52},": Advanced data analytics, artificial intelligence, and blockchain applications will improve ESG data collection, verification, and analysis.",{"type":540,"content":4914},[4915],{"type":61,"content":4916},[4917,4921],{"text":4918,"type":52,"marks":4919},"Biodiversity focus",[4920],{"type":324},{"text":4922,"type":52},": Growing attention to biodiversity loss and nature-related financial risks, similar to the evolution of climate risk awareness.",{"type":540,"content":4924},[4925],{"type":61,"content":4926},[4927,4931],{"text":4928,"type":52,"marks":4929},"Just transition emphasis",[4930],{"type":324},{"text":4932,"type":52},": Increased focus on ensuring that the shift to a low-carbon economy is socially inclusive and doesn't exacerbate inequality.",{"type":540,"content":4934},[4935],{"type":61,"content":4936},[4937,4941],{"text":4938,"type":52,"marks":4939},"Outcome-based measurement",[4940],{"type":324},{"text":4942,"type":52},": Moving beyond process-focused ESG assessments toward measuring actual environmental and social outcomes.",{"type":540,"content":4944},[4945],{"type":61,"content":4946},[4947,4951],{"text":4948,"type":52,"marks":4949},"Integration with financial analysis",[4950],{"type":324},{"text":4952,"type":52},": Further embedding of ESG considerations into mainstream financial analysis rather than treating them as separate factors.",{"type":46,"attrs":4954,"content":4955},{"level":403},[4956],{"text":4957,"type":52},"Practical steps for financial professionals",{"type":61,"content":4959},[4960],{"text":4961,"type":52},"For financial professionals looking to enhance their ESG capabilities, several practical steps can help:",{"type":2145,"attrs":4963,"content":4964},{"order":48},[4965,4975,4985,4995,5005,5015,5025],{"type":540,"content":4966},[4967],{"type":61,"content":4968},[4969,4973],{"text":4970,"type":52,"marks":4971},"Develop ESG expertise",[4972],{"type":324},{"text":4974,"type":52},": Invest in training and education to understand ESG issues and their financial implications.",{"type":540,"content":4976},[4977],{"type":61,"content":4978},[4979,4983],{"text":4980,"type":52,"marks":4981},"Enhance data capabilities",[4982],{"type":324},{"text":4984,"type":52},": Improve systems for collecting, analysing, and integrating ESG data into investment processes.",{"type":540,"content":4986},[4987],{"type":61,"content":4988},[4989,4993],{"text":4990,"type":52,"marks":4991},"Clarify ESG philosophy",[4992],{"type":324},{"text":4994,"type":52},": Articulate a clear approach to ESG that aligns with your organisation's values and client expectations.",{"type":540,"content":4996},[4997],{"type":61,"content":4998},[4999,5003],{"text":5000,"type":52,"marks":5001},"Engage with companies",[5002],{"type":324},{"text":5004,"type":52},": Use shareholder rights to encourage improved ESG practices at portfolio companies.",{"type":540,"content":5006},[5007],{"type":61,"content":5008},[5009,5013],{"text":5010,"type":52,"marks":5011},"Collaborate with peers",[5012],{"type":324},{"text":5014,"type":52},": Participate in industry initiatives to share best practices and advocate for improved standards.",{"type":540,"content":5016},[5017],{"type":61,"content":5018},[5019,5023],{"text":5020,"type":52,"marks":5021},"Communicate transparently",[5022],{"type":324},{"text":5024,"type":52},": Provide clear reporting on ESG activities and outcomes to avoid greenwashing allegations.",{"type":540,"content":5026},[5027],{"type":61,"content":5028},[5029,5033],{"text":5030,"type":52,"marks":5031},"Focus on materiality",[5032],{"type":324},{"text":5034,"type":52},": Prioritise ESG factors that are most likely to impact financial performance in specific sectors.",{"type":46,"attrs":5036,"content":5037},{"level":403},[5038],{"text":2922,"type":52},{"type":61,"content":5040},[5041],{"text":5042,"type":52},"The integration of ESG considerations into finance represents one of the most significant shifts in investment practice in generations. 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