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AWS's data protection commitments and EU legal frameworks provide additional safeguards against third-party access.",{"type":46,"attrs":876,"content":877},{"level":459,"textAlign":17},[878],{"text":879,"type":52},"SFS — Spendesk's own payment licence",{"type":61,"attrs":881,"content":882},{"textAlign":17},[883],{"text":884,"type":52},"Since launching Spendesk Financial Services in 2022, Spendesk has operated its own regulated payment institution, giving European customers a direct relationship with a payment provider built and supervised in Europe.",{"type":61,"attrs":886,"content":887},{"textAlign":17},[888],{"text":889,"type":52},"Spendesk Financial Services SAS (SFS) is a wholly owned subsidiary and an ACPR-licensed Payment Institution, identified by CIB number 17518 and verifiable on the EBA register. 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Spendesk maintains data residency within the European Union, in Europe, under EU law, supervised by the CNIL as lead supervisory authority. UK GDPR compliance is maintained separately under ICO supervision.",{"type":61,"attrs":906,"content":907},{"textAlign":17},[908],{"text":909,"type":52},"Spendesk is ISO 27001:2022 certified (Certificate #122410, valid through February 2027), DORA compliant since January 2025, and PSD2/SCA compliant on all card transactions.",{"type":61,"attrs":911,"content":912},{"textAlign":17},[913],{"text":914,"type":52},"On e-invoicing: Germany's mandatory B2B e-invoice reception requirement came into force in January 2025. Spendesk was compliant from day one. Belgium's Peppol mandate arrived in January 2026 — Spendesk is a certified Peppol Access Point. France's 2026/2027 rollout is already in preparation.",{"type":61,"attrs":916,"content":917},{"textAlign":17},[918],{"text":919,"type":52},"European e-invoicing mandates are not optional. Building compliance into a product takes years. 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Yet here we are.",{"type":61,"attrs":1421,"content":1422},{"textAlign":17},[1423,1425,1431],{"text":1424,"type":52},"Most finance teams are already using AI in some form. According to ",{"text":1426,"type":52,"marks":1427},"CFO Connect's 2025 Tools Report",[1428],{"type":345,"attrs":1429},{"href":1430,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://www.cfoconnect.eu/resources/reports/top-cfo-tools-report-2025-download-the-report/",{"text":1432,"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":1434,"content":1435},{"textAlign":17},[1436],{"text":1437,"type":52},"The Model Context Protocol (MCP) is what closes the first gap, and starts on the second.",{"type":61,"attrs":1439,"content":1440},{"textAlign":17},[1441],{"text":1442,"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":1444,"content":1445},{"textAlign":17},[1446],{"text":1447,"type":52,"marks":1448},"Key takeaways:",[1449],{"type":324},{"type":537,"content":1451},[1452,1463,1474,1485],{"type":540,"content":1453},[1454],{"type":61,"attrs":1455,"content":1456},{"textAlign":17},[1457,1461],{"text":1458,"type":52,"marks":1459},"MCP is an open standard",[1460],{"type":324},{"text":1462,"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":1464},[1465],{"type":61,"attrs":1466,"content":1467},{"textAlign":17},[1468,1472],{"text":1469,"type":52,"marks":1470},"It works for every role on the finance team.",[1471],{"type":324},{"text":1473,"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":1475},[1476],{"type":61,"attrs":1477,"content":1478},{"textAlign":17},[1479,1483],{"text":1480,"type":52,"marks":1481},"It replaces the export-and-paste workflow",[1482],{"type":324},{"text":1484,"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":1486},[1487],{"type":61,"attrs":1488,"content":1489},{"textAlign":17},[1490,1494],{"text":1491,"type":52,"marks":1492},"The platforms best positioned for MCP",[1493],{"type":324},{"text":1495,"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":1497,"content":1498},{"level":403,"textAlign":17},[1499],{"text":1500,"type":52},"What is the Model Context Protocol?",{"type":46,"attrs":1502,"content":1503},{"level":459,"textAlign":17},[1504],{"text":1505,"type":52},"The finance-first definition",{"type":61,"attrs":1507,"content":1508},{"textAlign":17},[1509],{"text":1510,"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":1512},{"id":1513,"body":1514},"3f1a494d-2373-4748-9475-2625fadf3322",[1515],{"_uid":1516,"type":18,"asset":1517,"caption":18,"overlay":1523,"component":450},"i-cd51c13d-43c3-4948-9f63-0cfec668dbc6",{"id":1518,"alt":1519,"name":18,"focus":18,"title":18,"source":18,"filename":1520,"copyright":18,"fieldtype":19,"meta_data":1521,"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":1519,"size":1522,"title":18,"source":18,"copyright":18},"1520x1151",[],{"type":46,"attrs":1525,"content":1526},{"level":459,"textAlign":17},[1527],{"text":1528,"type":52},"Why the old way was broken",{"type":61,"attrs":1530,"content":1531},{"textAlign":17},[1532],{"text":1533,"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":1535,"content":1536},{"level":459,"textAlign":17},[1537],{"text":1538,"type":52},"The USB moment for AI",{"type":61,"attrs":1540,"content":1541},{"textAlign":17},[1542],{"text":1543,"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":1545,"content":1546},{"textAlign":17},[1547,1549,1555],{"text":1548,"type":52},"Released by ",{"text":1550,"type":52,"marks":1551},"Anthropic",[1552],{"type":345,"attrs":1553},{"href":1554,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://www.anthropic.com/news/model-context-protocol",{"text":1556,"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":1558,"content":1559},{"level":459,"textAlign":17},[1560],{"text":1561,"type":52},"Before MCP vs. after MCP",{"type":61,"attrs":1563,"content":1564},{"textAlign":17},[1565,1569],{"text":1566,"type":52,"marks":1567},"Before MCP: the finance data bottleneck.",[1568],{"type":324},{"text":1570,"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":1572,"content":1573},{"textAlign":17},[1574,1578],{"text":1575,"type":52,"marks":1576},"After MCP: your finance data, ready to talk.",[1577],{"type":324},{"text":1579,"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":1581},[1582,1599,1606,1613],{"type":540,"content":1583},[1584],{"type":61,"attrs":1585,"content":1586},{"textAlign":17},[1587,1589,1593,1595],{"text":1588,"type":52},"Ask: ",{"text":1590,"type":52,"marks":1591},"\"What's our cash position?\"",[1592],{"type":354},{"text":1594,"type":52}," or",{"text":1596,"type":52,"marks":1597},"\"Compare our annual travel spend year-on-year.\"",[1598],{"type":354},{"type":540,"content":1600},[1601],{"type":61,"attrs":1602,"content":1603},{"textAlign":17},[1604],{"text":1605,"type":52},"Get answers in seconds, drawn from real Spendesk data",{"type":540,"content":1607},[1608],{"type":61,"attrs":1609,"content":1610},{"textAlign":17},[1611],{"text":1612,"type":52},"Keep exploring with follow-up questions, no need to rebuild reports",{"type":540,"content":1614},[1615],{"type":61,"attrs":1616,"content":1617},{"textAlign":17},[1618],{"text":1619,"type":52},"Work in tools the team already uses — Claude, ChatGPT, or Dust",{"type":61,"attrs":1621,"content":1622},{"textAlign":17},[1623],{"text":1624,"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":1626,"content":1627},{"level":459,"textAlign":17},[1628],{"text":1629,"type":52},"The building blocks of finance tech connectivity",{"type":326,"attrs":1631},{"id":1513,"body":1632},[1633],{"_uid":1634,"type":18,"asset":1635,"caption":18,"overlay":1641,"component":450},"i-e205f2d9-ec13-4dd2-adcb-b70adbc8b8d4",{"id":1636,"alt":1637,"name":18,"focus":18,"title":18,"source":18,"filename":1638,"copyright":18,"fieldtype":19,"meta_data":1639,"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":1637,"size":1640,"title":18,"source":18,"copyright":18},"762x384",[],{"type":61,"attrs":1643,"content":1644},{"textAlign":17},[1645],{"text":1646,"type":52},"Spend management tools like Spendesk connect your financial stack through three pathways:",{"type":537,"content":1648},[1649,1660,1671],{"type":540,"content":1650},[1651],{"type":61,"attrs":1652,"content":1653},{"textAlign":17},[1654,1658],{"text":1655,"type":52,"marks":1656},"Native integrations",[1657],{"type":324},{"text":1659,"type":52}," sync directly with accounting systems like NetSuite, Xero, and DATEV.",{"type":540,"content":1661},[1662],{"type":61,"attrs":1663,"content":1664},{"textAlign":17},[1665,1669],{"text":1666,"type":52,"marks":1667},"Open APIs",[1668],{"type":324},{"text":1670,"type":52}," connect to BI and reporting tools like Google Sheets.",{"type":540,"content":1672},[1673],{"type":61,"attrs":1674,"content":1675},{"textAlign":17},[1676,1680],{"text":1677,"type":52,"marks":1678},"The MCP connector",[1679],{"type":324},{"text":1681,"type":52}," gives AI tools — Claude, Dust, ChatGPT — live, read-only access to your spend data.",{"type":61,"attrs":1683,"content":1684},{"textAlign":17},[1685],{"text":1686,"type":52},"All three draw from the same source: every transaction your business processes, in one place.",{"type":61,"attrs":1688,"content":1689},{"textAlign":17},[1690,1692,1696],{"text":1691,"type":52},"The practical difference of having all three is immediate. A CFO asking ",{"text":1693,"type":52,"marks":1694},"\"What's our committed spend versus forecast this quarter?\"",[1695],{"type":354},{"text":1697,"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":1699,"content":1700},{"textAlign":17},[1701],{"text":1702,"type":52},"Each layer does a specific job: ",{"type":537,"content":1704},[1705,1712,1719],{"type":540,"content":1706},[1707],{"type":61,"attrs":1708,"content":1709},{"textAlign":17},[1710],{"text":1711,"type":52},"Integrations keep your books accurate. ",{"type":540,"content":1713},[1714],{"type":61,"attrs":1715,"content":1716},{"textAlign":17},[1717],{"text":1718,"type":52},"API keeps your dashboards current. ",{"type":540,"content":1720},[1721],{"type":61,"attrs":1722,"content":1723},{"textAlign":17},[1724],{"text":1725,"type":52},"MCP makes all of it accessible to the AI tools your team already uses, with no new builds required.",{"type":326,"attrs":1727},{"id":1513,"body":1728},[1729],{"_uid":1730,"text":1731,"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":1733,"content":1734},{"level":459,"textAlign":17},[1735],{"text":1736,"type":52},"Examples of what finance teams can ask AI through an MCP connector",{"type":1738,"content":1739},"table",[1740,1768,1821,1863,1915,1967],{"type":1741,"content":1742},"tableRow",[1743,1752,1760],{"type":1744,"attrs":1745,"content":1746},"tableHeader",{"colspan":48,"rowspan":48,"colwidth":17},[1747],{"type":61,"attrs":1748,"content":1749},{"textAlign":17},[1750],{"text":1751,"type":52},"Role",{"type":1744,"attrs":1753,"content":1754},{"colspan":48,"rowspan":48,"colwidth":17},[1755],{"type":61,"attrs":1756,"content":1757},{"textAlign":17},[1758],{"text":1759,"type":52},"What you can ask",{"type":1744,"attrs":1761,"content":1762},{"colspan":48,"rowspan":48,"colwidth":17},[1763],{"type":61,"attrs":1764,"content":1765},{"textAlign":17},[1766],{"text":1767,"type":52},"What you get",{"type":1741,"content":1769},[1770,1779,1813],{"type":1771,"attrs":1772,"content":1773},"tableCell",{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1774],{"type":61,"attrs":1775,"content":1776},{"textAlign":17},[1777],{"text":1778,"type":52},"CFO / Finance Director",{"type":1771,"attrs":1780,"content":1781},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1782],{"type":537,"content":1783},[1784,1794,1804],{"type":540,"content":1785},[1786],{"type":61,"attrs":1787,"content":1788},{"textAlign":17},[1789,1792],{"text":1590,"type":52,"marks":1790},[1791],{"type":354},{"text":1793,"type":52}," ",{"type":540,"content":1795},[1796],{"type":61,"attrs":1797,"content":1798},{"textAlign":17},[1799,1803],{"text":1800,"type":52,"marks":1801},"\"Show me overdue AP this week.\"",[1802],{"type":354},{"text":1793,"type":52},{"type":540,"content":1805},[1806],{"type":61,"attrs":1807,"content":1808},{"textAlign":17},[1809],{"text":1810,"type":52,"marks":1811},"\"What's our spend by department this quarter?\"",[1812],{"type":354},{"type":1771,"attrs":1814,"content":1815},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1816],{"type":61,"attrs":1817,"content":1818},{"textAlign":17},[1819],{"text":1820,"type":52},"Strategic answers from live data, without waiting for a report to be built",{"type":1741,"content":1822},[1823,1831,1855],{"type":1771,"attrs":1824,"content":1825},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1826],{"type":61,"attrs":1827,"content":1828},{"textAlign":17},[1829],{"text":1830,"type":52},"Controller",{"type":1771,"attrs":1832,"content":1833},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1834],{"type":537,"content":1835},[1836,1846],{"type":540,"content":1837},[1838],{"type":61,"attrs":1839,"content":1840},{"textAlign":17},[1841,1845],{"text":1842,"type":52,"marks":1843},"\"Show me all expenses over €500 approved outside normal workflows this month.\"",[1844],{"type":354},{"text":1793,"type":52},{"type":540,"content":1847},[1848],{"type":61,"attrs":1849,"content":1850},{"textAlign":17},[1851],{"text":1852,"type":52,"marks":1853},"\"Which SaaS subscriptions haven't been used in 90 days?\"",[1854],{"type":354},{"type":1771,"attrs":1856,"content":1857},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1858],{"type":61,"attrs":1859,"content":1860},{"textAlign":17},[1861],{"text":1862,"type":52},"Real-time policy compliance visibility, without manual auditing",{"type":1741,"content":1864},[1865,1873,1907],{"type":1771,"attrs":1866,"content":1867},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1868],{"type":61,"attrs":1869,"content":1870},{"textAlign":17},[1871],{"text":1872,"type":52},"FP&A Analyst",{"type":1771,"attrs":1874,"content":1875},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1876],{"type":537,"content":1877},[1878,1888,1898],{"type":540,"content":1879},[1880],{"type":61,"attrs":1881,"content":1882},{"textAlign":17},[1883,1887],{"text":1884,"type":52,"marks":1885},"\"Compare marketing spend Q1 to Q4 by department.\"",[1886],{"type":354},{"text":1793,"type":52},{"type":540,"content":1889},[1890],{"type":61,"attrs":1891,"content":1892},{"textAlign":17},[1893,1897],{"text":1894,"type":52,"marks":1895},"\"Which departments are trending over budget?\"",[1896],{"type":354},{"text":1793,"type":52},{"type":540,"content":1899},[1900],{"type":61,"attrs":1901,"content":1902},{"textAlign":17},[1903],{"text":1904,"type":52,"marks":1905},"\"Run a variance analysis against last quarter.\"",[1906],{"type":354},{"type":1771,"attrs":1908,"content":1909},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1910],{"type":61,"attrs":1911,"content":1912},{"textAlign":17},[1913],{"text":1914,"type":52},"Trend analysis in seconds, without rebuilding reports from scratch",{"type":1741,"content":1916},[1917,1925,1959],{"type":1771,"attrs":1918,"content":1919},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1920],{"type":61,"attrs":1921,"content":1922},{"textAlign":17},[1923],{"text":1924,"type":52},"Head of Accounting",{"type":1771,"attrs":1926,"content":1927},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1928],{"type":537,"content":1929},[1930,1940,1950],{"type":540,"content":1931},[1932],{"type":61,"attrs":1933,"content":1934},{"textAlign":17},[1935,1939],{"text":1936,"type":52,"marks":1937},"\"What invoices are scheduled for payment this week?\"",[1938],{"type":354},{"text":1793,"type":52},{"type":540,"content":1941},[1942],{"type":61,"attrs":1943,"content":1944},{"textAlign":17},[1945,1949],{"text":1946,"type":52,"marks":1947},"\"Show me all payments over £10,000 waiting for approval.\"",[1948],{"type":354},{"text":1793,"type":52},{"type":540,"content":1951},[1952],{"type":61,"attrs":1953,"content":1954},{"textAlign":17},[1955],{"text":1956,"type":52,"marks":1957},"\"What's the status of invoice [X] across all entities?\"",[1958],{"type":354},{"type":1771,"attrs":1960,"content":1961},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1962],{"type":61,"attrs":1963,"content":1964},{"textAlign":17},[1965],{"text":1966,"type":52},"Full payment-pipeline visibility without logging into multiple screens",{"type":1741,"content":1968},[1969,1977,2011],{"type":1771,"attrs":1970,"content":1971},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1972],{"type":61,"attrs":1973,"content":1974},{"textAlign":17},[1975],{"text":1976,"type":52},"Procurement",{"type":1771,"attrs":1978,"content":1979},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[1980],{"type":537,"content":1981},[1982,1992,2002],{"type":540,"content":1983},[1984],{"type":61,"attrs":1985,"content":1986},{"textAlign":17},[1987,1991],{"text":1988,"type":52,"marks":1989},"\"Which are our most expensive contracts?\"",[1990],{"type":354},{"text":1793,"type":52},{"type":540,"content":1993},[1994],{"type":61,"attrs":1995,"content":1996},{"textAlign":17},[1997,2001],{"text":1998,"type":52,"marks":1999},"\"Which vendors haven't been used in six months?\"",[2000],{"type":354},{"text":1793,"type":52},{"type":540,"content":2003},[2004],{"type":61,"attrs":2005,"content":2006},{"textAlign":17},[2007],{"text":2008,"type":52,"marks":2009},"\"How does this supplier's pricing compare to similar vendors?\"",[2010],{"type":354},{"type":1771,"attrs":2012,"content":2013},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[2014],{"type":61,"attrs":2015,"content":2016},{"textAlign":17},[2017],{"text":2018,"type":52},"Spend intelligence to support renegotiations and contract reviews, on demand",{"type":46,"attrs":2020,"content":2021},{"level":403,"textAlign":17},[2022],{"text":2023,"type":52},"MCP tools for finance: where the protocol meets your tech stack",{"type":46,"attrs":2025,"content":2026},{"level":459,"textAlign":17},[2027],{"text":2028,"type":52},"What's already live",{"type":61,"attrs":2030,"content":2031},{"textAlign":17},[2032,2034,2040],{"text":2033,"type":52},"The MCP ecosystem has grown quickly. By ",{"text":2035,"type":52,"marks":2036},"early 2026",[2037],{"type":345,"attrs":2038},{"href":2039,"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":2041,"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":2043,"content":2044},{"level":459,"textAlign":17},[2045],{"text":2046,"type":52},"How Spendesk connects to your AI tools",{"type":61,"attrs":2048,"content":2049},{"textAlign":17},[2050],{"text":2051,"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":2053,"content":2054},{"textAlign":17},[2055],{"text":2056,"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":2058,"content":2059},{"textAlign":17},[2060],{"text":2061,"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":2063},{"level":459,"textAlign":17},{"type":46,"attrs":2065,"content":2066},{"level":403,"textAlign":17},[2067],{"text":2068,"type":52},"Real-world use cases for AI agents in finance",{"type":46,"attrs":2070,"content":2071},{"level":459,"textAlign":17},[2072],{"text":2073,"type":52},"Automated financial reporting with AI",{"type":61,"attrs":2075,"content":2076},{"textAlign":17},[2077],{"text":2078,"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":2080,"content":2081},{"textAlign":17},[2082,2084,2088,2090,2094,2095,2099],{"text":2083,"type":52},"With Spendesk MCP connected to your AI assistant, asking ",{"text":2085,"type":52,"marks":2086},"\"What's our spend by department this month versus budget?\"",[2087],{"type":354},{"text":2089,"type":52}," returns an answer in seconds, drawn from live data. Follow-up questions like ",{"text":2091,"type":52,"marks":2092},"\"Which department is furthest over budget?\"",[2093],{"type":354},{"text":826,"type":52},{"text":2096,"type":52,"marks":2097},"\"What's driving the variance in marketing?\"",[2098],{"type":354},{"text":2100,"type":52}," can continue naturally — without rebuilding the query from scratch.",{"type":46,"attrs":2102,"content":2103},{"level":459,"textAlign":17},[2104],{"text":2105,"type":52},"Use case 1: Real-time policy exception monitoring",{"type":61,"attrs":2107,"content":2108},{"textAlign":17},[2109],{"text":2110,"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":2112,"content":2113},{"level":459,"textAlign":17},[2114],{"text":2115,"type":52},"Use case 2: Weekly AP exposure briefing",{"type":61,"attrs":2117,"content":2118},{"textAlign":17},[2119,2121,2125,2127],{"text":2120,"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":2122,"type":52,"marks":2123},"\"let me pull that together\"",[2124],{"type":354},{"text":2126,"type":52}," begins with ",{"text":2128,"type":52,"marks":2129},"\"here's what we're looking at.\"",[2130],{"type":354},{"type":46,"attrs":2132,"content":2133},{"level":459,"textAlign":17},[2134],{"text":2135,"type":52},"Use case 3. Quarterly supplier and SaaS audit",{"type":61,"attrs":2137,"content":2138},{"textAlign":17},[2139],{"text":2140,"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":2142,"content":2143},{"level":403,"textAlign":17},[2144],{"text":2145,"type":52},"What this means for your spend management strategy",{"type":46,"attrs":2147,"content":2148},{"level":459,"textAlign":17},[2149],{"text":2150,"type":52},"The consolidation question",{"type":61,"attrs":2152,"content":2153},{"textAlign":17},[2154],{"text":2155,"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":2157,"content":2158},{"level":459,"textAlign":17},[2159],{"text":2160,"type":52},"Three questions to assess your readiness",{"type":2162,"attrs":2163,"content":2164},"ordered_list",{"order":48},[2165,2185,2196],{"type":540,"content":2166},[2167],{"type":61,"attrs":2168,"content":2169},{"textAlign":17},[2170,2174,2176,2183],{"text":2171,"type":52,"marks":2172},"Is your spend data in one place?",[2173],{"type":324},{"text":2175,"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":2177},[2178],{"type":345,"attrs":2179},{"href":2180,"uuid":2181,"anchor":17,"target":2182,"linktype":1095},"/platform/","4b39d188-071f-4f1b-9670-76374dd671b8","_self",{"text":2184,"type":52}," connects your finance stack.",{"type":540,"content":2186},[2187],{"type":61,"attrs":2188,"content":2189},{"textAlign":17},[2190,2194],{"text":2191,"type":52,"marks":2192},"Are your approval workflows digital?",[2193],{"type":324},{"text":2195,"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":2197},[2198],{"type":61,"attrs":2199,"content":2200},{"textAlign":17},[2201,2205,2207,2214],{"text":2202,"type":52,"marks":2203},"Does your platform integrate with your accounting software via API?",[2204],{"type":324},{"text":2206,"type":52}," Integrations with ",{"text":2208,"type":52,"marks":2209},"Xero",[2210],{"type":345,"attrs":2211},{"href":2212,"uuid":2213,"anchor":17,"target":2182,"linktype":1095},"/integrations/xero-expense-management","1c5be156-ce97-4ff5-bc9d-23b16b1aa328",{"text":2215,"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":2217,"content":2218},{"level":459,"textAlign":17},[2219],{"text":2220,"type":52},"Start with what you already have",{"type":61,"attrs":2222,"content":2223},{"textAlign":17},[2224],{"text":2225,"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":2227,"content":2228},{"textAlign":17},[2229],{"text":2230,"type":52},"If you answered no to one or more, consolidation comes first. Build the data foundation, and the AI layer follows naturally.",{"type":2232,"content":2233},"blockquote",[2234],{"type":61,"attrs":2235,"content":2236},{"textAlign":17},[2237,2239,2243,2245,2251],{"text":2238,"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":2240,"type":52,"marks":2241},"\"Anybody can make a fancy dashboard. What's really key is the financial engineering in the background that makes it actually work.\"",[2242],{"type":354},{"text":2244,"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":2246,"type":52,"marks":2247},"CFO Connect, Building an AI-Native FP&A App in Claude Code",[2248],{"type":345,"attrs":2249},{"href":2250,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://www.cfoconnect.eu/resources/event-recaps/claude-code-finance-app-fpa-build/",{"text":2252,"type":52},")",{"name":1061,"created_at":1062,"published_at":118,"updated_at":1063,"id":1064,"uuid":1065,"content":2254,"slug":1073,"full_slug":1074,"sort_by_date":17,"position":152,"tag_list":2256,"is_startpage":14,"parent_id":1076,"meta_data":17,"group_id":1077,"first_published_at":1078,"release_id":17,"lang":132,"path":17,"alternates":2257,"default_full_slug":1074,"translated_slugs":2258,"_stopResolving":141},{"_uid":1067,"icon":2255,"name":1061,"component":1072},{"id":1069,"alt":1070,"name":18,"focus":18,"title":18,"filename":1071,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[2259,2260,2261],{"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],[],[],[2266],{"_uid":1124,"type":18,"asset":2267,"caption":18,"overlay":2272,"component":450},{"id":2268,"alt":2269,"name":18,"focus":18,"title":18,"source":18,"filename":2270,"copyright":18,"fieldtype":19,"meta_data":2271,"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":2269,"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.",[],[2276],{"cta":2277,"_uid":1153,"items":2278,"heading":2332,"reverse":14,"component":1307,"sectionSettings":2351},[],[2279,2293,2306,2320],{"_uid":1156,"hide":14,"title":2280,"component":1158,"description":2281},"What is MCP and how does it work for finance?",{"type":43,"content":2282},[2283,2288],{"type":61,"attrs":2284,"content":2285},{"textAlign":17},[2286],{"text":2287,"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":2289,"content":2290},{"textAlign":17},[2291],{"text":2292,"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":1172,"hide":14,"title":2294,"component":1158,"description":2295},"What finance tools support MCP integration?",{"type":43,"content":2296},[2297],{"type":61,"attrs":2298,"content":2299},{"textAlign":17},[2300],{"text":2301,"type":52,"marks":2302},"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.",[2303],{"type":72,"attrs":2304},{"color":2305},"#191B1B",{"_uid":1211,"hide":14,"title":2307,"component":1158,"description":2308},"How does agentic AI differ from traditional automation in finance?",{"type":43,"content":2309},[2310,2315],{"type":61,"attrs":2311,"content":2312},{"textAlign":17},[2313],{"text":2314,"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":2316,"content":2317},{"textAlign":17},[2318],{"text":2319,"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":1245,"hide":14,"title":2321,"component":1158,"description":2322},"What spend management tools are compatible with AI agents and MCP?",{"type":43,"content":2323},[2324],{"type":61,"attrs":2325,"content":2326},{"textAlign":17},[2327],{"text":2328,"type":52,"marks":2329},"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.",[2330],{"type":72,"attrs":2331},{"color":2305},[2333],{"cta":2334,"_uid":1289,"title":2335,"eyebrow":2343,"subtitle":2346,"component":46,"textAlign":18,"eyebrowPill":14,"flexibleSection":2349,"sectionSettings":2350,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],{"type":43,"content":2336},[2337],{"type":46,"attrs":2338,"content":2339},{"level":403,"textAlign":17},[2340],{"text":1296,"type":52,"marks":2341},[2342],{"type":324},{"type":43,"content":2344},[2345],{"type":61},{"type":43,"content":2347},[2348],{"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",-1540,[],"ffc1b343-35d9-4220-8447-5c332bd9c284","2026-05-05T09:22:05.457Z",[],[2360,2361,2362],{"path":2353,"name":17,"lang":136,"published":17},{"path":2353,"name":17,"lang":138,"published":17},{"path":2353,"name":17,"lang":140,"published":17},{"name":2364,"created_at":2365,"published_at":118,"updated_at":2366,"id":2367,"uuid":2368,"content":2369,"slug":3049,"full_slug":3050,"sort_by_date":17,"position":3051,"tag_list":3052,"is_startpage":14,"parent_id":1313,"meta_data":17,"group_id":3053,"first_published_at":3054,"release_id":17,"lang":132,"path":17,"alternates":3055,"default_full_slug":3050,"translated_slugs":3056,"_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":2370,"roles":2371,"title":2372,"author":2373,"topics":2415,"content":2426,"noIndex":14,"category":2956,"language":2965,"component":1073,"heroMedia":2966,"sidebarCta":2974,"publishedAt":2975,"readingTime":2976,"redirectUrl":18,"listingImage":2977,"metaDescription":2983,"componentsAfterTheArticle":2984},"2949a8a8-e55f-416e-9bac-945880993a20",[],"How to implement AI in your finance team: 8-step roadmap",{"name":2374,"created_at":2375,"published_at":118,"updated_at":2376,"id":2377,"uuid":2378,"content":2379,"slug":2404,"full_slug":2405,"sort_by_date":17,"position":2406,"tag_list":2407,"is_startpage":14,"parent_id":285,"meta_data":17,"group_id":2408,"first_published_at":2409,"release_id":17,"lang":132,"path":17,"alternates":2410,"default_full_slug":2405,"translated_slugs":2411,"_stopResolving":141},"Chris Dunne","2024-11-25T19:47:17.907Z","2026-03-12T10:48:04.132Z",584506034,"ced1d806-6e64-42d6-8b0f-d708ebbdbbfa",{"_uid":1359,"links":2380,"picture":2387,"lastName":2391,"component":274,"firstName":2392,"description":2393},[2381],{"tag":18,"_uid":2382,"hide":14,"icon":2383,"link":2385,"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":2384,"is_external_url":14},{},{"id":18,"url":2386,"linktype":267,"fieldtype":268,"cached_url":2386},"https://www.linkedin.com/in/chrisdunne4/",{"id":2388,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":2389,"copyright":18,"fieldtype":19,"meta_data":2390,"is_external_url":14},18695910,"https://a.storyblok.com/f/146026/349x349/9150c24a43/chris-dunne.jpg",{},"Dunne","Chris",{"type":43,"content":2394},[2395],{"type":61,"attrs":2396,"content":2397},{"textAlign":17},[2398],{"text":2399,"type":52,"marks":2400},"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. ",[2401],{"type":72,"attrs":2402},{"color":2403},"#3D3929","chris-dunne","blog/author/chris-dunne",-1150,[],"62a23d5f-cd56-4dee-91e3-5642f66fa78c","2024-11-25T20:08:58.249Z",[],[2412,2413,2414],{"path":2405,"name":17,"lang":136,"published":17},{"path":2405,"name":17,"lang":138,"published":17},{"path":2405,"name":17,"lang":140,"published":17},[2416],{"name":1393,"created_at":1394,"published_at":118,"updated_at":1395,"id":1396,"uuid":1397,"content":2417,"slug":1402,"full_slug":1403,"sort_by_date":17,"position":1404,"tag_list":2420,"is_startpage":14,"parent_id":306,"meta_data":17,"group_id":1406,"first_published_at":1407,"release_id":17,"lang":132,"path":17,"alternates":2421,"default_full_slug":1403,"translated_slugs":2422,"_stopResolving":141},{"_uid":1399,"icon":2418,"name":1393,"component":124},{"id":17,"alt":17,"name":18,"focus":17,"title":17,"source":17,"filename":18,"copyright":17,"fieldtype":19,"meta_data":2419},{},[],[],[2423,2424,2425],{"path":1403,"name":17,"lang":136,"published":17},{"path":1403,"name":17,"lang":138,"published":17},{"path":1403,"name":17,"lang":140,"published":17},{"type":43,"content":2427},[2428,2446,2451,2462,2467,2472,2481,2486,2497,2505,2510,2515,2520,2525,2530,2535,2540,2545,2550,2555,2563,2568,2573,2578,2583,2588,2593,2598,2603,2608,2613,2618,2623,2628,2633,2638,2643,2648,2653,2658,2663,2668,2673,2678,2683,2688,2693,2698,2703,2717,2722,2768,2773,2810,2815,2869,2876,2881,2889,2935,2940,2954],{"type":61,"attrs":2429,"content":2430},{"textAlign":17},[2431,2435,2442],{"text":2432,"type":52,"marks":2433},"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 ",[2434],{"type":324},{"text":2436,"type":52,"marks":2437},"State of AI in Finance 2025",[2438,2441],{"type":345,"attrs":2439},{"href":2440,"uuid":17,"anchor":17,"target":17,"linktype":267},"https://www.spendesk.com/landing/state-of-ai-finance-2025-cfo-connect/",{"type":324},{"text":2443,"type":52,"marks":2444}," report to provide a pragmatic, low-risk roadmap you can start today.",[2445],{"type":324},{"type":46,"attrs":2447,"content":2448},{"level":403,"textAlign":17},[2449],{"text":2450,"type":52},"Why AI, why now",{"type":61,"attrs":2452,"content":2453},{"textAlign":17},[2454,2456,2460],{"text":2455,"type":52},"Finance teams find themselves in a curious position. ",{"text":2457,"type":52,"marks":2458},"While 85% of CFOs are optimistic about AI's potential, 61% still haven't implemented it into their workflows. ",[2459],{"type":324},{"text":2461,"type":52},"The culprits? Unclear ROI, limited team skills, and the time required to implement new systems.",{"type":61,"attrs":2463,"content":2464},{"textAlign":17},[2465],{"text":2466,"type":52},"Meanwhile, early adopters are pulling ahead – cutting close times, automating AP/expenses, accelerating reporting, and improving forecast quality.",{"type":61,"attrs":2468,"content":2469},{"textAlign":17},[2470],{"text":2471,"type":52},"Your objective isn't wholesale transformation. It's a sequence of focused wins that compound.",{"type":326,"attrs":2473},{"id":2474,"body":2475},"b6c4ab16-cb3a-49a2-ab88-0251750c8bc6",[2476],{"_uid":2477,"quote":2478,"subtitle":2479,"component":2480},"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":2482,"content":2483},{"level":403,"textAlign":17},[2484],{"text":2485,"type":52},"An 8-step roadmap",{"type":326,"attrs":2487},{"id":2488,"body":2489},"79b175ba-0b04-4761-9b51-3724115ce9a0",[2490],{"_uid":2491,"type":18,"asset":2492,"caption":18,"overlay":2496,"component":450},"i-439f4218-d31e-43ee-8e07-cd11670a2d37",{"id":2493,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":2494,"copyright":18,"fieldtype":19,"meta_data":2495,"is_external_url":14},21294940,"https://a.storyblok.com/f/146026/728x596/d8fbb4016a/top-ai-prompts-for-finance-teams-1.png",{},[],{"type":61,"attrs":2498,"content":2499},{"textAlign":17},[2500],{"text":2501,"type":52,"marks":2502},"Based on conversations with finance leaders who've successfully implemented AI, here are the key takeaways consolidated into one cohesive plan.",[2503],{"type":72,"attrs":2504},{"color":74},{"type":61,"attrs":2506,"content":2507},{"textAlign":17},[2508],{"text":2509,"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":2511,"content":2512},{"level":459,"textAlign":17},[2513],{"text":2514,"type":52},"Step 1: Perform an initial assessment",{"type":61,"attrs":2516,"content":2517},{"textAlign":17},[2518],{"text":2519,"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":2521,"content":2522},{"textAlign":17},[2523],{"text":2524,"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":2526,"content":2527},{"textAlign":17},[2528],{"text":2529,"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":2531,"content":2532},{"textAlign":17},[2533],{"text":2534,"type":52},"Output: a prioritised backlog with effort vs impact. Pick one \"quick win\" to start.",{"type":46,"attrs":2536,"content":2537},{"level":459,"textAlign":17},[2538],{"text":2539,"type":52},"Step 2: Start with a discrete use case",{"type":61,"attrs":2541,"content":2542},{"textAlign":17},[2543],{"text":2544,"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":2546,"content":2547},{"textAlign":17},[2548],{"text":2549,"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":2551,"content":2552},{"textAlign":17},[2553],{"text":2554,"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":2556},{"id":2557,"body":2558},"b860bc8c-7845-43cc-b854-45a67a8fdaf5",[2559],{"_uid":2560,"html":2561,"component":2562},"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":2564,"content":2565},{"level":459,"textAlign":17},[2566],{"text":2567,"type":52},"Step 3: Clean your data",{"type":61,"attrs":2569,"content":2570},{"textAlign":17},[2571],{"text":2572,"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":2574,"content":2575},{"textAlign":17},[2576],{"text":2577,"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":2579,"content":2580},{"textAlign":17},[2581],{"text":2582,"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":2584,"content":2585},{"level":459,"textAlign":17},[2586],{"text":2587,"type":52},"Step 4: Find the right tools",{"type":61,"attrs":2589,"content":2590},{"textAlign":17},[2591],{"text":2592,"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":2594,"content":2595},{"textAlign":17},[2596],{"text":2597,"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":2599,"content":2600},{"textAlign":17},[2601],{"text":2602,"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":2604,"content":2605},{"textAlign":17},[2606],{"text":2607,"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":2609,"content":2610},{"level":459,"textAlign":17},[2611],{"text":2612,"type":52},"Step 5: Run a pilot",{"type":61,"attrs":2614,"content":2615},{"textAlign":17},[2616],{"text":2617,"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":2619,"content":2620},{"textAlign":17},[2621],{"text":2622,"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":2624,"content":2625},{"textAlign":17},[2626],{"text":2627,"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":2629,"content":2630},{"textAlign":17},[2631],{"text":2632,"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":2634,"content":2635},{"level":459,"textAlign":17},[2636],{"text":2637,"type":52},"Step 6: Scale across teams and geographies",{"type":61,"attrs":2639,"content":2640},{"textAlign":17},[2641],{"text":2642,"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":2644,"content":2645},{"textAlign":17},[2646],{"text":2647,"type":52},"Anne-Claire organised \"learn and develop\" sessions to share results and empower teams to adopt automation in their workflows.",{"type":61,"attrs":2649,"content":2650},{"textAlign":17},[2651],{"text":2652,"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":2654,"content":2655},{"textAlign":17},[2656],{"text":2657,"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":2659,"content":2660},{"level":459,"textAlign":17},[2661],{"text":2662,"type":52},"Step 7: Monitor, optimise and improve",{"type":61,"attrs":2664,"content":2665},{"textAlign":17},[2666],{"text":2667,"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":2669,"content":2670},{"textAlign":17},[2671],{"text":2672,"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":2674,"content":2675},{"textAlign":17},[2676],{"text":2677,"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":2679,"content":2680},{"level":459,"textAlign":17},[2681],{"text":2682,"type":52},"Step 8: Set clear data and security guidelines",{"type":61,"attrs":2684,"content":2685},{"textAlign":17},[2686],{"text":2687,"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":2689,"content":2690},{"textAlign":17},[2691],{"text":2692,"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":2694,"content":2695},{"textAlign":17},[2696],{"text":2697,"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":2699,"content":2700},{"textAlign":17},[2701],{"text":2702,"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":2704,"content":2705},{"textAlign":17},[2706,2710],{"text":2707,"type":52,"marks":2708},"Related: ",[2709],{"type":324},{"text":2711,"type":52,"marks":2712},"Will AI steal my finance job?",[2713],{"type":345,"attrs":2714},{"href":2715,"uuid":2716,"anchor":17,"target":2182,"linktype":1095},"/blog/will-ai-steal-my-finance-job","c764e871-4c8e-468b-85c9-e4bb69576166",{"type":46,"attrs":2718,"content":2719},{"level":403,"textAlign":17},[2720],{"text":2721,"type":52},"What good looks like in 90 days",{"type":537,"content":2723},[2724,2735,2746,2757],{"type":540,"content":2725},[2726],{"type":61,"attrs":2727,"content":2728},{"textAlign":17},[2729,2733],{"text":2730,"type":52,"marks":2731},"Weeks 1–2: ",[2732],{"type":324},{"text":2734,"type":52},"Process and data assessment; choose a single high-impact use case; define baseline metrics.",{"type":540,"content":2736},[2737],{"type":61,"attrs":2738,"content":2739},{"textAlign":17},[2740,2744],{"text":2741,"type":52,"marks":2742},"Weeks 3–6: ",[2743],{"type":324},{"text":2745,"type":52},"Data cleaning; tool configuration; build pilot; implement validation; train a small cohort.",{"type":540,"content":2747},[2748],{"type":61,"attrs":2749,"content":2750},{"textAlign":17},[2751,2755],{"text":2752,"type":52,"marks":2753},"Weeks 7–8: ",[2754],{"type":324},{"text":2756,"type":52},"Run pilot; capture metrics; remediate edge cases; decide on rollout.",{"type":540,"content":2758},[2759],{"type":61,"attrs":2760,"content":2761},{"textAlign":17},[2762,2766],{"text":2763,"type":52,"marks":2764},"Weeks 9–12:",[2765],{"type":324},{"text":2767,"type":52}," Expand to one more entity or process; formalise SOPs; publish results; schedule reviews.",{"type":46,"attrs":2769,"content":2770},{"level":403,"textAlign":17},[2771],{"text":2772,"type":52},"Example KPIs to track",{"type":537,"content":2774},[2775,2782,2789,2796,2803],{"type":540,"content":2776},[2777],{"type":61,"attrs":2778,"content":2779},{"textAlign":17},[2780],{"text":2781,"type":52},"Time saved per cycle (e.g., AP processing time, month-end close days).",{"type":540,"content":2783},[2784],{"type":61,"attrs":2785,"content":2786},{"textAlign":17},[2787],{"text":2788,"type":52},"Touchless rate (percentage processed without human intervention).",{"type":540,"content":2790},[2791],{"type":61,"attrs":2792,"content":2793},{"textAlign":17},[2794],{"text":2795,"type":52},"Error/rework rate and audit findings.",{"type":540,"content":2797},[2798],{"type":61,"attrs":2799,"content":2800},{"textAlign":17},[2801],{"text":2802,"type":52},"SLA adherence for data requests.",{"type":540,"content":2804},[2805],{"type":61,"attrs":2806,"content":2807},{"textAlign":17},[2808],{"text":2809,"type":52},"Finance business partnering time (hours reallocated to analysis).",{"type":46,"attrs":2811,"content":2812},{"level":403,"textAlign":17},[2813],{"text":2814,"type":52},"Tooling patterns that work",{"type":537,"content":2816},[2817,2836,2847,2858],{"type":540,"content":2818},[2819],{"type":61,"attrs":2820,"content":2821},{"textAlign":17},[2822,2826,2828,2834],{"text":2823,"type":52,"marks":2824},"Out-of-the-box for AP and expenses: ",[2825],{"type":324},{"text":2827,"type":52},"Robust platforms like ",{"text":252,"type":52,"marks":2829},[2830],{"type":345,"attrs":2831},{"href":2832,"uuid":2833,"anchor":17,"target":2182,"linktype":1095},"/platform/ai-automation","ebc87909-a3bc-4e54-8bfe-a21df5ef0d70",{"text":2835,"type":52}," can deliver instant wins with built-in extraction, coding and matching.",{"type":540,"content":2837},[2838],{"type":61,"attrs":2839,"content":2840},{"textAlign":17},[2841,2845],{"text":2842,"type":52,"marks":2843},"Co-pilot for FP&A and reporting: ",[2844],{"type":324},{"text":2846,"type":52},"Natural-language SQL and Python to accelerate data pulls and scenario modelling.",{"type":540,"content":2848},[2849],{"type":61,"attrs":2850,"content":2851},{"textAlign":17},[2852,2856],{"text":2853,"type":52,"marks":2854},"Scripted bridges:",[2855],{"type":324},{"text":2857,"type":52}," Light Python or Apps Script to connect spreadsheets and systems where vendor integrations don’t exist yet.",{"type":540,"content":2859},[2860],{"type":61,"attrs":2861,"content":2862},{"textAlign":17},[2863,2867],{"text":2864,"type":52,"marks":2865},"Document intelligence: ",[2866],{"type":324},{"text":2868,"type":52},"Contract/receipt parsing to feed revenue schedules and policy checks.",{"type":326,"attrs":2870},{"id":2871,"body":2872},"65085691-dc04-484d-9971-54727e3f97f5",[2873],{"_uid":2874,"html":2875,"component":2562},"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":2877,"content":2878},{"level":403,"textAlign":17},[2879],{"text":2880,"type":52},"Common pitfalls to avoid",{"type":61,"attrs":2882,"content":2883},{"textAlign":17},[2884],{"text":2885,"type":52,"marks":2886},"While the roadmap above provides a clear path forward, finance teams often stumble on predictable obstacles. Here are the most common mistakes to sidestep:",[2887],{"type":72,"attrs":2888},{"color":74},{"type":537,"content":2890},[2891,2902,2913,2924],{"type":540,"content":2892},[2893],{"type":61,"attrs":2894,"content":2895},{"textAlign":17},[2896,2900],{"text":2897,"type":52,"marks":2898},"Trying to do everything at once:",[2899],{"type":324},{"text":2901,"type":52}," Too many parallel use cases dilute impact.",{"type":540,"content":2903},[2904],{"type":61,"attrs":2905,"content":2906},{"textAlign":17},[2907,2911],{"text":2908,"type":52,"marks":2909},"Dirty inputs:",[2910],{"type":324},{"text":2912,"type":52}," Skipping data standardisation leads to brittle outputs.",{"type":540,"content":2914},[2915],{"type":61,"attrs":2916,"content":2917},{"textAlign":17},[2918,2922],{"text":2919,"type":52,"marks":2920},"Shadow AI: ",[2921],{"type":324},{"text":2923,"type":52},"Unapproved tools with unclear data terms increase risk.",{"type":540,"content":2925},[2926],{"type":61,"attrs":2927,"content":2928},{"textAlign":17},[2929,2933],{"text":2930,"type":52,"marks":2931},"Set and forget:",[2932],{"type":324},{"text":2934,"type":52}," Models, prompts and processes drift — review them.",{"type":46,"attrs":2936,"content":2937},{"level":403,"textAlign":17},[2938],{"text":2939,"type":52},"Final thoughts",{"type":61,"attrs":2941,"content":2942},{"textAlign":17},[2943,2945,2952],{"text":2944,"type":52},"Implementing ",{"text":2946,"type":52,"marks":2947},"AI in finance",[2948],{"type":345,"attrs":2949},{"href":2950,"uuid":2951,"anchor":17,"target":2182,"linktype":1095},"/blog/how-ai-is-transforming-finance","6413053a-46b1-4cbe-b593-51095fe52a81",{"text":2953,"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":2955},{"textAlign":17},{"name":1061,"created_at":1062,"published_at":118,"updated_at":1063,"id":1064,"uuid":1065,"content":2957,"slug":1073,"full_slug":1074,"sort_by_date":17,"position":152,"tag_list":2959,"is_startpage":14,"parent_id":1076,"meta_data":17,"group_id":1077,"first_published_at":1078,"release_id":17,"lang":132,"path":17,"alternates":2960,"default_full_slug":1074,"translated_slugs":2961,"_stopResolving":141},{"_uid":1067,"icon":2958,"name":1061,"component":1072},{"id":1069,"alt":1070,"name":18,"focus":18,"title":18,"filename":1071,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[2962,2963,2964],{"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],[2967],{"_uid":2968,"type":18,"asset":2969,"shadow":14,"caption":18,"overlay":2973,"component":450},"a09d0eac-4fc3-43a0-8e17-37fc82a69a18",{"id":2970,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":2971,"copyright":18,"fieldtype":19,"meta_data":2972,"is_external_url":14},98524846973166,"https://a.storyblok.com/f/146026/1020x680/f65f6c3f83/implement-ai-finance-team.jpg",{},[],[],"2025-10-06 00:00","5",[2978],{"_uid":2979,"type":18,"asset":2980,"shadow":14,"caption":18,"overlay":2982,"component":450},"4d901d6b-cc98-4968-947d-466092341130",{"id":2970,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":2971,"copyright":18,"fieldtype":19,"meta_data":2981,"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.",[2985],{"_uid":2986,"items":2987,"heading":3024,"reverse":14,"component":1307,"sectionSettings":3042},"4a32d90b-3a84-4e94-97d9-b2137a292160",[2988,2997,3006,3015],{"_uid":2989,"title":2990,"component":1158,"description":2991},"8cdf38aa-08eb-49e4-8d1a-253c2477c129","How can a finance team start implementing AI without a large data science team?",{"type":43,"content":2992},[2993],{"type":61,"content":2994},[2995],{"text":2996,"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":2998,"title":2999,"component":1158,"description":3000},"22e5882c-9a2c-4a00-86b4-25d4545c32cf","What are the highest-impact AI use cases for a finance department?",{"type":43,"content":3001},[3002],{"type":61,"content":3003},[3004],{"text":3005,"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":3007,"title":3008,"component":1158,"description":3009},"b588287f-75f8-440b-92ba-a055ae5767ff","How does Spendesk integrate with AI tools and accounting systems?",{"type":43,"content":3010},[3011],{"type":61,"content":3012},[3013],{"text":3014,"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":3016,"title":3017,"component":1158,"description":3018},"c95b078d-2c76-4de7-accf-496c81561dec","How do you maintain security and compliance when using AI with finance data?",{"type":43,"content":3019},[3020],{"type":61,"content":3021},[3022],{"text":3023,"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.",[3025],{"cta":3026,"_uid":3027,"title":3028,"eyebrow":3035,"subtitle":3038,"component":46,"textAlign":18,"sectionSettings":3041,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"8def1559-2404-447a-8861-5734aca337b5",{"type":43,"content":3029},[3030],{"type":46,"attrs":3031,"content":3032},{"level":403},[3033],{"text":3034,"type":52},"How To Implement Ai In Your Finance Team — FAQ",{"type":43,"content":3036},[3037],{"type":61},{"type":43,"content":3039},[3040],{"type":61},[],[3043],{"_uid":3044,"hide":14,"theme":3045,"anchorId":18,"component":87,"spacingTop":18,"hideOnDevices":3046,"spacingBottom":18,"floatingImages":3047,"variableOverrides":3048},"e8e8267a-0dea-463a-958c-ebc2d916d48c","light-theme",[],[],[],"how-to-implement-ai-in-your-finance-team","blog/how-to-implement-ai-in-your-finance-team",70,[],"115ec7a5-1c9d-4f07-b1ea-aaa8bb8e4c86","2025-10-06T08:27:18.251Z",[],[3057,3058,3059],{"path":3050,"name":17,"lang":136,"published":17},{"path":3050,"name":17,"lang":138,"published":17},{"path":3050,"name":17,"lang":140,"published":17},{"name":3061,"created_at":3062,"published_at":3063,"updated_at":3064,"id":3065,"uuid":3066,"content":3067,"slug":5500,"full_slug":5501,"sort_by_date":17,"position":5502,"tag_list":5503,"is_startpage":14,"parent_id":1313,"meta_data":17,"group_id":5505,"first_published_at":5506,"release_id":17,"lang":132,"path":17,"alternates":5507,"default_full_slug":5501,"translated_slugs":5508,"_stopResolving":141},"10 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teams often reach a breaking point when card statements live in one system and supplier invoices in another. That’s before you factor in out-of-pocket claims and separate records for every entity. It’s a fragmented picture, and it makes confident decision-making hard.",{"type":61,"attrs":3121,"content":3122},{"textAlign":17},[3123],{"text":3124,"type":52},"This comparison reflects pricing, capability details, and regulatory information available in September 2026. These details may change. This is general guidance for UK finance teams, not tax advice. VAT treatment depends on your specific circumstances, so consult a qualified tax adviser before making decisions based on the rules covered here.",{"type":326,"attrs":3126},{"id":3127,"body":3128},"e202e774-e504-453e-ad59-8aa5adab93ea",[3129],{"_uid":3130,"text":3131,"color":333,"title":334,"component":335},"i-5e737eb4-2971-4d2a-a3d8-c19d75a64f5e","- Finance teams should narrow the shortlist by entity structure and trading currencies before comparing features.\n- Per-seat billing tracks headcount, while fixed subscriptions track activity.\n- The accounting package handles MTD filing after the spend platform passes across VAT-coded transaction data.\n- The accounting connection matters more than the integration logo. If the integration drops a VAT code, the finance team must correct it manually at month-end.\n- All-in-one platforms win when handoffs cause errors. Specialists win when one workflow is exceptional.",{"type":61,"attrs":3133},{"textAlign":17},{"type":46,"attrs":3135,"content":3136},{"level":403,"textAlign":17},[3137],{"text":3138,"type":52,"marks":3139},"Which spend management software is best for European finance teams?",[3140],{"type":324},{"type":61,"attrs":3142,"content":3143},{"textAlign":17},[3144],{"text":3145,"type":52},"Based on the criteria used in this comparison, Spendesk is our top pick for UK and European finance teams with 50 to 500 employees.",{"type":61,"attrs":3147,"content":3148},{"textAlign":17},[3149,3151,3158],{"text":3150,"type":52},"One platform covers cards and claims alongside ",{"text":3152,"type":52,"marks":3153},"accounts payable",[3154,3157],{"type":345,"attrs":3155},{"href":3156,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/blog/accounts-payable-process/",{"type":324},{"text":3159,"type":52},", procurement, and budgets, with operations in EUR, GBP, DKK, NOK, and SEK.",{"type":61,"attrs":3161,"content":3162},{"textAlign":17},[3163,3170,3172,3179],{"text":3164,"type":52,"marks":3165},"Payhawk",[3166,3169],{"type":345,"attrs":3167},{"href":3168,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/blog/spendesk-vs-payhawk/",{"type":324},{"text":3171,"type":52}," is the closest alternative for teams that want a modular European platform with travel built in. Pleo suits small, single-entity teams on per-user billing, while ",{"text":3173,"type":52,"marks":3174},"Moss",[3175,3178],{"type":345,"attrs":3176},{"href":3177,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/blog/spendesk-vs-moss/",{"type":324},{"text":3180,"type":52}," fits German operations that run on DATEV.",{"type":61,"attrs":3182,"content":3183},{"textAlign":17},[3184,3186,3193],{"text":3185,"type":52},"UK buyers carry one extra constraint. Making Tax Digital (MTD) for VAT has applied to VAT-registered businesses since 1 April 2022 under ",{"text":3187,"type":52,"marks":3188},"HMRC’s VAT Notice 700/22",[3189,3192],{"type":345,"attrs":3190},{"href":3191,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.gov.uk/government/publications/vat-notice-70022-making-tax-digital-for-vat/vat-notice-70022",{"type":324},{"text":3194,"type":52},", which expects digital records in compatible software and digital links between systems rather than re-keyed figures.",{"type":61,"attrs":3196,"content":3197},{"textAlign":17},[3198],{"text":3199,"type":52},"When we checked all ten platforms against HMRC’s compatible software finder, none appeared on it. The UK-available platforms pass VAT-coded transactions into a listed accounting package that does the filing. Options include Xero and Sage, with QuickBooks also available.",{"type":61,"attrs":3201,"content":3202},{"textAlign":17},[3203],{"text":3204,"type":52},"Here is how the ten platforms compare on fit, pricing basis, and the capability that distinguishes each.",{"type":1738,"content":3206},[3207,3249,3284,3319,3355,3390,3426,3462,3498,3534,3570],{"type":1741,"content":3208},[3209,3219,3229,3239],{"type":1744,"attrs":3210,"content":3211},{"colspan":48,"rowspan":48,"colwidth":17},[3212],{"type":61,"attrs":3213,"content":3214},{"textAlign":17},[3215],{"text":3216,"type":52,"marks":3217},"Tool",[3218],{"type":324},{"type":1744,"attrs":3220,"content":3221},{"colspan":48,"rowspan":48,"colwidth":17},[3222],{"type":61,"attrs":3223,"content":3224},{"textAlign":17},[3225],{"text":3226,"type":52,"marks":3227},"Best for",[3228],{"type":324},{"type":1744,"attrs":3230,"content":3231},{"colspan":48,"rowspan":48,"colwidth":17},[3232],{"type":61,"attrs":3233,"content":3234},{"textAlign":17},[3235],{"text":3236,"type":52,"marks":3237},"Pricing model",[3238],{"type":324},{"type":1744,"attrs":3240,"content":3241},{"colspan":48,"rowspan":48,"colwidth":17},[3242],{"type":61,"attrs":3243,"content":3244},{"textAlign":17},[3245],{"text":3246,"type":52,"marks":3247},"Key differentiator",[3248],{"type":324},{"type":1741,"content":3250},[3251,3260,3268,3276],{"type":1771,"attrs":3252,"content":3253},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3254],{"type":61,"attrs":3255,"content":3256},{"textAlign":17},[3257],{"text":252,"type":52,"marks":3258},[3259],{"type":324},{"type":1771,"attrs":3261,"content":3262},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3263],{"type":61,"attrs":3264,"content":3265},{"textAlign":17},[3266],{"text":3267,"type":52},"European mid-market teams consolidating cards, claims, AP, and procurement",{"type":1771,"attrs":3269,"content":3270},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3271],{"type":61,"attrs":3272,"content":3273},{"textAlign":17},[3274],{"text":3275,"type":52},"Quote-based fixed subscription; 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no UK presence",{"type":1741,"content":3499},[3500,3510,3518,3526],{"type":1771,"attrs":3501,"content":3502},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3503],{"type":61,"attrs":3504,"content":3505},{"textAlign":17},[3506],{"text":3507,"type":52,"marks":3508},"Expensify",[3509],{"type":324},{"type":1771,"attrs":3511,"content":3512},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3513],{"type":61,"attrs":3514,"content":3515},{"textAlign":17},[3516],{"text":3517,"type":52},"Reimbursement-heavy travel and expense teams",{"type":1771,"attrs":3519,"content":3520},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3521],{"type":61,"attrs":3522,"content":3523},{"textAlign":17},[3524],{"text":3525,"type":52},"Per member per month, from £5 to £28",{"type":1771,"attrs":3527,"content":3528},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3529],{"type":61,"attrs":3530,"content":3531},{"textAlign":17},[3532],{"text":3533,"type":52},"Receipt SmartScan across 150+ currencies",{"type":1741,"content":3535},[3536,3546,3554,3562],{"type":1771,"attrs":3537,"content":3538},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3539],{"type":61,"attrs":3540,"content":3541},{"textAlign":17},[3542],{"text":3543,"type":52,"marks":3544},"SAP Concur",[3545],{"type":324},{"type":1771,"attrs":3547,"content":3548},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3549],{"type":61,"attrs":3550,"content":3551},{"textAlign":17},[3552],{"text":3553,"type":52},"Enterprise travel and expense with managed travel",{"type":1771,"attrs":3555,"content":3556},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3557],{"type":61,"attrs":3558,"content":3559},{"textAlign":17},[3560],{"text":3561,"type":52},"Quote-only in the UK and EU; US customers pay per expense report",{"type":1771,"attrs":3563,"content":3564},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3565],{"type":61,"attrs":3566,"content":3567},{"textAlign":17},[3568],{"text":3569,"type":52},"Travel, expense, and invoice modules at enterprise scale",{"type":1741,"content":3571},[3572,3582,3590,3598],{"type":1771,"attrs":3573,"content":3574},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3575],{"type":61,"attrs":3576,"content":3577},{"textAlign":17},[3578],{"text":3579,"type":52,"marks":3580},"Tipalti",[3581],{"type":324},{"type":1771,"attrs":3583,"content":3584},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3585],{"type":61,"attrs":3586,"content":3587},{"textAlign":17},[3588],{"text":3589,"type":52},"AP-led teams paying suppliers globally",{"type":1771,"attrs":3591,"content":3592},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3593],{"type":61,"attrs":3594,"content":3595},{"textAlign":17},[3596],{"text":3597,"type":52},"Platform fee from £99 per month plus transaction fees",{"type":1771,"attrs":3599,"content":3600},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3601],{"type":61,"attrs":3602,"content":3603},{"textAlign":17},[3604],{"text":3605,"type":52},"50+ payment methods to 200+ countries in 120 currencies on Advanced",{"type":46,"attrs":3607,"content":3608},{"level":403,"textAlign":17},[3609],{"text":3610,"type":52,"marks":3611},"How we evaluated these platforms",[3612],{"type":324},{"type":61,"attrs":3614,"content":3615},{"textAlign":17},[3616],{"text":3617,"type":52},"We built this comparison from vendor documentation and regulator records, because that is where the real detail lives.",{"type":61,"attrs":3619,"content":3620},{"textAlign":17},[3621],{"text":3622,"type":52},"The vendor material included pricing pages and help documentation. We looked at BACS and SEPA payment rails alongside VAT capture, then traced the route to MTD, since these determine how much manual work survives rollout.",{"type":61,"attrs":3624,"content":3625},{"textAlign":17},[3626],{"text":3627,"type":52},"Accounting connections to Xero, NetSuite, Sage, DATEV, QuickBooks, and Microsoft Business Central matter because coded data is only useful if it reaches the ledger.",{"type":61,"attrs":3629,"content":3630},{"textAlign":17},[3631],{"text":3632,"type":52},"We assessed multi-entity management and operation across EUR, GBP, DKK, NOK, and SEK, which is where international finance teams feel the friction most. Finally, we compared unlimited users against per-seat billing. Whether cost follows headcount or activity shapes the total bill as teams grow.",{"type":61,"attrs":3634,"content":3635},{"textAlign":17},[3636],{"text":3637,"type":52},"We also looked at implementation time.",{"type":46,"attrs":3639,"content":3640},{"level":403,"textAlign":17},[3641],{"text":3642,"type":52,"marks":3643},"What is spend management software, and how does it differ from expense management?",[3644],{"type":324},{"type":61,"attrs":3646,"content":3647},{"textAlign":17},[3648],{"text":3649,"type":52},"If your team is running a claims-only workflow, it is likely missing most of the company’s spend entirely.",{"type":61,"attrs":3651,"content":3652},{"textAlign":17},[3653,3655,3662,3664,3671],{"text":3654,"type":52},"At 50 to 500 employees, cards, supplier invoices, subscriptions, and purchase orders rarely touch an ",{"text":3656,"type":52,"marks":3657},"expense claims",[3658,3661],{"type":345,"attrs":3659},{"href":3660,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/glossary/expense-claims/",{"type":324},{"text":3663,"type":52}," process. And ",{"text":3665,"type":52,"marks":3666},"basic spend analysis",[3667,3670],{"type":345,"attrs":3668},{"href":3669,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/blog/spend-analysis/",{"type":324},{"text":3672,"type":52}," that arrives after the fact is too late to change a decision already made.",{"type":61,"attrs":3674,"content":3675},{"textAlign":17},[3676,3678,3685],{"text":3677,"type":52},"That is the gap ",{"text":3679,"type":52,"marks":3680},"spend management",[3681,3684],{"type":345,"attrs":3682},{"href":3683,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/glossary/spend-management/",{"type":324},{"text":3686,"type":52}," closes. It brings every way money leaves the company into one workflow, including:",{"type":537,"content":3688},[3689,3696,3703,3710,3717],{"type":540,"content":3690},[3691],{"type":61,"attrs":3692,"content":3693},{"textAlign":17},[3694],{"text":3695,"type":52},"Cards",{"type":540,"content":3697},[3698],{"type":61,"attrs":3699,"content":3700},{"textAlign":17},[3701],{"text":3702,"type":52},"Invoices",{"type":540,"content":3704},[3705],{"type":61,"attrs":3706,"content":3707},{"textAlign":17},[3708],{"text":3709,"type":52},"Purchase orders",{"type":540,"content":3711},[3712],{"type":61,"attrs":3713,"content":3714},{"textAlign":17},[3715],{"text":3716,"type":52},"Subscriptions",{"type":540,"content":3718},[3719],{"type":61,"attrs":3720,"content":3721},{"textAlign":17},[3722],{"text":3723,"type":52},"Employee claims",{"type":61,"attrs":3725,"content":3726},{"textAlign":17},[3727],{"text":3728,"type":52},"Approval and payment sit together with receipt capture.",{"type":61,"attrs":3730,"content":3731},{"textAlign":17},[3732,3734,3741,3743,3750],{"text":3733,"type":52},"An ",{"text":3735,"type":52,"marks":3736},"expense management tool",[3737,3740],{"type":345,"attrs":3738},{"href":3739,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/en/expense-management-software/",{"type":324},{"text":3742,"type":52}," does something narrower: it ",{"text":3744,"type":52,"marks":3745},"tracks expenses",[3746,3749],{"type":345,"attrs":3747},{"href":3748,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/blog/track-business-expenses/",{"type":324},{"text":3751,"type":52}," employees have already paid and handles the reimbursement.",{"type":61,"attrs":3753,"content":3754},{"textAlign":17},[3755],{"text":3756,"type":52},"Both approaches have their place, but they are not interchangeable.",{"type":46,"attrs":3758,"content":3759},{"level":403,"textAlign":17},[3760],{"text":3761,"type":52,"marks":3762},"What core features should you look for?",[3763],{"type":324},{"type":61,"attrs":3765,"content":3766},{"textAlign":17},[3767],{"text":3768,"type":52},"Use this checklist to test whether a shortlisted platform removes work rather than moving it:",{"type":537,"content":3770},[3771,3790,3801,3812,3823],{"type":540,"content":3772},[3773],{"type":61,"attrs":3774,"content":3775},{"textAlign":17},[3776,3780,3781,3788],{"text":3777,"type":52,"marks":3778},"Receipt capture with Optical Character Recognition (OCR):",[3779],{"type":324},{"text":1793,"type":52},{"text":3782,"type":52,"marks":3783},"OCR software",[3784,3787],{"type":345,"attrs":3785},{"href":3786,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/blog/ocr-software-solutions/",{"type":324},{"text":3789,"type":52}," should read the supplier and date, plus the amount and VAT, from a photo.",{"type":540,"content":3791},[3792],{"type":61,"attrs":3793,"content":3794},{"textAlign":17},[3795,3799],{"text":3796,"type":52,"marks":3797},"Policy rules applied before payment:",[3798],{"type":324},{"text":3800,"type":52}," Limits and merchant restrictions should sit on the card. The same controls should require receipts when needed.",{"type":540,"content":3802},[3803],{"type":61,"attrs":3804,"content":3805},{"textAlign":17},[3806,3810],{"text":3807,"type":52,"marks":3808},"Approval workflows:",[3809],{"type":324},{"text":3811,"type":52}," Requests should route by cost centre and amount, with category rules adding another condition and status visible to finance.",{"type":540,"content":3813},[3814],{"type":61,"attrs":3815,"content":3816},{"textAlign":17},[3817,3821],{"text":3818,"type":52,"marks":3819},"Physical and virtual company cards:",[3820],{"type":324},{"text":3822,"type":52}," Single-use and multi-use virtual cards should issue without a per-card charge. Subscription cards should follow the same model.",{"type":540,"content":3824},[3825],{"type":61,"attrs":3826,"content":3827},{"textAlign":17},[3828,3832],{"text":3829,"type":52,"marks":3830},"Accounting integrations:",[3831],{"type":324},{"text":3833,"type":52}," Journal exports should carry general ledger (GL) codes and VAT codes, plus cost centres, without CSV mapping.",{"type":46,"attrs":3835,"content":3836},{"level":403,"textAlign":17},[3837],{"text":3838,"type":52,"marks":3839},"Best spend management software compared",[3840],{"type":324},{"type":61,"attrs":3842,"content":3843},{"textAlign":17},[3844],{"text":3845,"type":52},"The options differ most in regional coverage, accounting connections, and billing structure. Those differences determine how much implementation work remains and whether costs rise with headcount or activity.",{"type":46,"attrs":3847,"content":3848},{"level":459,"textAlign":17},[3849],{"text":3850,"type":52,"marks":3851},"1. Spendesk",[3852],{"type":324},{"type":61,"attrs":3854,"content":3855},{"textAlign":17},[3856,3862],{"text":252,"type":52,"marks":3857},[3858,3861],{"type":345,"attrs":3859},{"href":3860,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/",{"type":324},{"text":3863,"type":52}," is an all-in-one spend management platform consolidating company cards, expense management, accounts payable, procurement, and budgeting.",{"type":61,"attrs":3865,"content":3866},{"textAlign":17},[3867],{"text":3868,"type":52},"Those modules run on one platform, so a supplier request and its invoice sit alongside its card payment in the same place.",{"type":537,"content":3870},[3871,3882,3893,3904,3915],{"type":540,"content":3872},[3873],{"type":61,"attrs":3874,"content":3875},{"textAlign":17},[3876,3880],{"text":3877,"type":52,"marks":3878},"Best for:",[3879],{"type":324},{"text":3881,"type":52}," European companies with 50 to 1,500 employees that have outgrown card-and-claims tools but do not need an enterprise procurement suite.",{"type":540,"content":3883},[3884],{"type":61,"attrs":3885,"content":3886},{"textAlign":17},[3887,3891],{"text":3888,"type":52,"marks":3889},"Standout capabilities:",[3890],{"type":324},{"text":3892,"type":52}," Play by the rules can block further card spending when receipts are overdue. According to Spendesk, this supports a 97% to 98% on-time receipt rate. Paid plans include unlimited virtual cards, with operations in EUR, GBP, USD, DKK, NOK, and SEK. Native connections cover Xero, NetSuite, Sage 100, DATEV, and Microsoft Business Central. Spendesk states that it holds ISO 27001:2022 certification.",{"type":540,"content":3894},[3895],{"type":61,"attrs":3896,"content":3897},{"textAlign":17},[3898,3902],{"text":3899,"type":52,"marks":3900},"Evidence:",[3901],{"type":324},{"text":3903,"type":52}," According to Spendesk customer stories, some teams save up to four days per month on month-end closing. These are customer-reported outcomes, not typical results or guarantees.",{"type":540,"content":3905},[3906],{"type":61,"attrs":3907,"content":3908},{"textAlign":17},[3909,3913],{"text":3910,"type":52,"marks":3911},"Pricing model:",[3912],{"type":324},{"text":3914,"type":52}," Fixed monthly platform fee plus variable transaction-usage fees, with a foundations base and modular add-ons. There is no per-user, per-card, or per-login charge, and no free trial. Implementation typically takes two to six weeks.",{"type":540,"content":3916},[3917],{"type":61,"attrs":3918,"content":3919},{"textAlign":17},[3920,3924,3926,3933,3935,3942],{"text":3921,"type":52,"marks":3922},"Limitations:",[3923],{"type":324},{"text":3925,"type":52}," Spendesk now offers in-app travel booking, and a ",{"text":3927,"type":52,"marks":3928},"TravelPerk integration",[3929,3932],{"type":345,"attrs":3930},{"href":3931,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/integrations/travelperk-integration/",{"type":324},{"text":3934,"type":52}," connects booking with Spendesk for teams that prefer to use it. Reviewers mention card acceptance issues in 42% of negative ",{"text":3936,"type":52,"marks":3937},"GetApp reviews",[3938,3941],{"type":345,"attrs":3939},{"href":3940,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.getapp.com/finance-accounting-software/a/spendesk/",{"type":324},{"text":3943,"type":52}," based on a 4.7/5 rating from 227 reviews, retrieved on 10 September 2026. Pricing is not published.",{"type":46,"attrs":3945,"content":3946},{"level":459,"textAlign":17},[3947],{"text":3948,"type":52,"marks":3949},"2. Payhawk",[3950],{"type":324},{"type":61,"attrs":3952,"content":3953},{"textAlign":17},[3954],{"text":3955,"type":52},"Payhawk sells travel and cards alongside expenses, AP, and procurement as separate modules.",{"type":537,"content":3957},[3958,3977,3987,3997],{"type":540,"content":3959},[3960],{"type":61,"attrs":3961,"content":3962},{"textAlign":17},[3963,3966,3968,3975],{"text":3877,"type":52,"marks":3964},[3965],{"type":324},{"text":3967,"type":52}," UK and EEA mid-market teams that want ",{"text":3969,"type":52,"marks":3970},"travel booking",[3971,3974],{"type":345,"attrs":3972},{"href":3973,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/blog/in-app-travel-booking/",{"type":324},{"text":3976,"type":52}," inside the spend platform.",{"type":540,"content":3978},[3979],{"type":61,"attrs":3980,"content":3981},{"textAlign":17},[3982,3985],{"text":3888,"type":52,"marks":3983},[3984],{"type":324},{"text":3986,"type":52}," Payhawk states that VAT and tax codes sync nightly to connected accounting systems.",{"type":540,"content":3988},[3989],{"type":61,"attrs":3990,"content":3991},{"textAlign":17},[3992,3995],{"text":3910,"type":52,"marks":3993},[3994],{"type":324},{"text":3996,"type":52}," A flat monthly fee per module, with Cards and Expenses from $449 per month, plus unit charges for admin seats, cards, invoices, and reimbursements. The £149 per month Growth programme covers single-entity UK or EEA companies with fewer than 20 employees, including 10 seats and 10 cards. Native two-way ERP connections are paid add-ons.",{"type":540,"content":3998},[3999],{"type":61,"attrs":4000,"content":4001},{"textAlign":17},[4002,4005,4007,4014],{"text":3921,"type":52,"marks":4003},[4004],{"type":324},{"text":4006,"type":52}," Payhawk publishes no EUR prices for the modular plans. Approval is the most-tagged issue theme in ",{"text":4008,"type":52,"marks":4009},"G2 reviews",[4010,4013],{"type":345,"attrs":4011},{"href":4012,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.g2.com/products/payhawk/reviews",{"type":324},{"text":4015,"type":52},", with a 4.5/5 rating from 895 reviews, retrieved on 10 September 2026. Missing features and integration issues follow.",{"type":46,"attrs":4017,"content":4018},{"level":459,"textAlign":17},[4019],{"text":4020,"type":52,"marks":4021},"3. Pleo",[4022],{"type":324},{"type":61,"attrs":4024,"content":4025},{"textAlign":17},[4026],{"text":4027,"type":52},"Pleo gives small teams cards and receipt capture quickly, with controls that deepen by plan tier.",{"type":537,"content":4029},[4030,4040,4050,4060],{"type":540,"content":4031},[4032],{"type":61,"attrs":4033,"content":4034},{"textAlign":17},[4035,4038],{"text":3877,"type":52,"marks":4036},[4037],{"type":324},{"text":4039,"type":52}," Small, single-entity teams replacing a shared card and a spreadsheet.",{"type":540,"content":4041},[4042],{"type":61,"attrs":4043,"content":4044},{"textAlign":17},[4045,4048],{"text":3888,"type":52,"marks":4046},[4047],{"type":324},{"text":4049,"type":52}," The Build plan adds approval workflows and recurring vendor tracking. It also includes mileage tracking. Optimise adds budgets and HRIS integrations, and supports up to 50 vendor cards.",{"type":540,"content":4051},[4052],{"type":61,"attrs":4053,"content":4054},{"textAlign":17},[4055,4058],{"text":3910,"type":52,"marks":4056},[4057],{"type":324},{"text":4059,"type":52}," £8 per user per month for Start on monthly billing, £14 for Build, and £18 for Optimise on yearly billing. Reimbursements on Build carry a 0.90% fee. Pleo currently offers no free tier.",{"type":540,"content":4061},[4062],{"type":61,"attrs":4063,"content":4064},{"textAlign":17},[4065,4068],{"text":3921,"type":52,"marks":4066},[4067],{"type":324},{"text":4069,"type":52}," Pleo bills each entity separately, and an account manager sets the price, so multi-entity cost is not visible upfront.",{"type":46,"attrs":4071,"content":4072},{"level":459,"textAlign":17},[4073],{"text":4074,"type":52,"marks":4075},"4. Moss",[4076],{"type":324},{"type":61,"attrs":4078,"content":4079},{"textAlign":17},[4080],{"text":4081,"type":52},"Moss is the DATEV-native option and has been an official DATEV Schnittstellen Partner since September 2021.",{"type":537,"content":4083},[4084,4094,4104,4114],{"type":540,"content":4085},[4086],{"type":61,"attrs":4087,"content":4088},{"textAlign":17},[4089,4092],{"text":3877,"type":52,"marks":4090},[4091],{"type":324},{"text":4093,"type":52}," German, Dutch, and UK SMEs, as well as any team whose accountant works in DATEV.",{"type":540,"content":4095},[4096],{"type":61,"attrs":4097,"content":4098},{"textAlign":17},[4099,4102],{"text":3888,"type":52,"marks":4100},[4101],{"type":324},{"text":4103,"type":52}," Moss includes one-click export to DATEV Unternehmen Online in the standard plan and offers a two-way DATEV Rechnungswesen sync as an ERP add-on. Moss supports multi-entity portfolios. In the EEA, Moss GmbH, a BaFin-regulated e-money institution, issues Moss cards. The UK operates under a separate issuing and payment-services structure.",{"type":540,"content":4105},[4106],{"type":61,"attrs":4107,"content":4108},{"textAlign":17},[4109,4112],{"text":3910,"type":52,"marks":4110},[4111],{"type":324},{"text":4113,"type":52}," A free plan covers up to three users, unlimited cards, and 20 invoices per month. Paid plans charge a single platform fee regardless of user count, plus a volume-based transaction fee.",{"type":540,"content":4115},[4116],{"type":61,"attrs":4117,"content":4118},{"textAlign":17},[4119,4122],{"text":3921,"type":52,"marks":4120},[4121],{"type":324},{"text":4123,"type":52}," UK VAT filing runs through Xero or a similar package. Moss states that it is not HMRC bridging software. Sage 50 and Sage 200 connect by CSV rather than API.",{"type":46,"attrs":4125,"content":4126},{"level":459,"textAlign":17},[4127],{"text":4128,"type":52,"marks":4129},"5. Ramp",[4130],{"type":324},{"type":61,"attrs":4132,"content":4133},{"textAlign":17},[4134],{"text":4135,"type":52},"Ramp is a large US spend platform with a free, interchange-funded card programme.",{"type":537,"content":4137},[4138,4148,4158,4168],{"type":540,"content":4139},[4140],{"type":61,"attrs":4141,"content":4142},{"textAlign":17},[4143,4146],{"text":3877,"type":52,"marks":4144},[4145],{"type":324},{"text":4147,"type":52}," US-headquartered companies or European subsidiaries of a US-headquartered company.",{"type":540,"content":4149},[4150],{"type":61,"attrs":4151,"content":4152},{"textAlign":17},[4153,4156],{"text":3888,"type":52,"marks":4154},[4155],{"type":324},{"text":4157,"type":52}," The free tier covers charge cards and expense management. It also includes AP. Integrations include QuickBooks Online and Xero. Ramp lists more than 200 integrations and an AI agent suite for expense and AP workflows. Since Q1 2026, it can pay vendors from local accounts through SEPA in the EU and BACS in the UK.",{"type":540,"content":4159},[4160],{"type":61,"attrs":4161,"content":4162},{"textAlign":17},[4163,4166],{"text":3910,"type":52,"marks":4164},[4165],{"type":324},{"text":4167,"type":52}," Free at $0 per user. Plus costs $15 per user per month plus a platform fee. Enterprise is available on custom annual terms. Ramp publishes no GBP or EUR plan prices.",{"type":540,"content":4169},[4170],{"type":61,"attrs":4171,"content":4172},{"textAlign":17},[4173,4176],{"text":3921,"type":52,"marks":4174},[4175],{"type":324},{"text":4177,"type":52}," Ramp describes itself as being in beta for UK-headquartered businesses. Local GBP and EUR card issuing and local bank connections are Enterprise-only early access. EUR cards require an entity in one of six EU countries. Multi-entity support starts at Plus, excluding QuickBooks Online and Xero users. Ramp states that it captures and codes VAT but does not file or reclaim it. Ramp’s documentation includes no DATEV integration.",{"type":46,"attrs":4179,"content":4180},{"level":459,"textAlign":17},[4181],{"text":4182,"type":52,"marks":4183},"6. Brex",[4184],{"type":324},{"type":61,"attrs":4186,"content":4187},{"textAlign":17},[4188],{"text":4189,"type":52},"Brex runs one card programme across US and EU entities. It secured an EU payment institution licence in the Netherlands in August 2025, authorising card issuance to EU-based companies without a US presence.",{"type":537,"content":4191},[4192,4202,4212,4222],{"type":540,"content":4193},[4194],{"type":61,"attrs":4195,"content":4196},{"textAlign":17},[4197,4200],{"text":3877,"type":52,"marks":4198},[4199],{"type":324},{"text":4201,"type":52}," US-headquartered groups that need EU subsidiaries on the same card programme.",{"type":540,"content":4203},[4204],{"type":61,"attrs":4205,"content":4206},{"textAlign":17},[4207,4210],{"text":3888,"type":52,"marks":4208},[4209],{"type":324},{"text":4211,"type":52}," Physical and virtual cards in more than 60 countries and 30+ currencies, SEPA credit transfers, native VAT tracking on transactions, and ISO/IEC 27001:2022 certification.",{"type":540,"content":4213},[4214],{"type":61,"attrs":4215,"content":4216},{"textAlign":17},[4217,4220],{"text":3910,"type":52,"marks":4218},[4219],{"type":324},{"text":4221,"type":52}," Tiered plans. VAT tracking export to an ERP requires Premium or above.",{"type":540,"content":4223},[4224],{"type":61,"attrs":4225,"content":4226},{"textAlign":17},[4227,4230],{"text":3921,"type":52,"marks":4228},[4229],{"type":324},{"text":4231,"type":52}," Brex’s documentation includes no DATEV integration.",{"type":46,"attrs":4233,"content":4234},{"level":459,"textAlign":17},[4235],{"text":4236,"type":52,"marks":4237},"7. Qonto",[4238],{"type":324},{"type":61,"attrs":4240,"content":4241},{"textAlign":17},[4242],{"text":4243,"type":52},"Qonto pairs a licensed business account with cards and invoicing. It also provides accounting connections.",{"type":537,"content":4245},[4246,4256,4266,4276],{"type":540,"content":4247},[4248],{"type":61,"attrs":4249,"content":4250},{"textAlign":17},[4251,4254],{"text":3877,"type":52,"marks":4252},[4253],{"type":324},{"text":4255,"type":52}," Continental SMEs in France, Germany, Spain, Italy, Austria, Belgium, the Netherlands, or Portugal that want banking and cards in one account.",{"type":540,"content":4257},[4258],{"type":61,"attrs":4259,"content":4260},{"textAlign":17},[4261,4264],{"text":3888,"type":52,"marks":4262},[4263],{"type":324},{"text":4265,"type":52}," Instant SEPA transfers at no extra fee up to €100,000, plus four DATEV integrations. Qonto has been an official DATEV partner since August 2023.",{"type":540,"content":4267},[4268],{"type":61,"attrs":4269,"content":4270},{"textAlign":17},[4271,4274],{"text":3910,"type":52,"marks":4272},[4273],{"type":324},{"text":4275,"type":52}," Fixed EUR plans for teams at €49 for Essential, €99 for Business in France and Germany, and €199 for Enterprise per month on annual billing. Essential includes unlimited users.",{"type":540,"content":4277},[4278],{"type":61,"attrs":4279,"content":4280},{"textAlign":17},[4281,4284],{"text":3921,"type":52,"marks":4282},[4283],{"type":324},{"text":4285,"type":52}," Qonto does not operate in the UK, and its public pages do not describe a consolidated dashboard across separate legal entities.",{"type":46,"attrs":4287,"content":4288},{"level":459,"textAlign":17},[4289],{"text":4290,"type":52,"marks":4291},"8. Expensify",[4292],{"type":324},{"type":61,"attrs":4294,"content":4295},{"textAlign":17},[4296,4302],{"text":3507,"type":52,"marks":4297},[4298,4301],{"type":345,"attrs":4299},{"href":4300,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/en/alternative/expensify/",{"type":324},{"text":4303,"type":52}," built its reputation on receipt scanning and remains capable for reimbursement-heavy teams.",{"type":537,"content":4305},[4306,4316,4326,4336],{"type":540,"content":4307},[4308],{"type":61,"attrs":4309,"content":4310},{"textAlign":17},[4311,4314],{"text":3877,"type":52,"marks":4312},[4313],{"type":324},{"text":4315,"type":52}," Teams whose employees pay for most travel and meals out of pocket.",{"type":540,"content":4317},[4318],{"type":61,"attrs":4319,"content":4320},{"textAlign":17},[4321,4324],{"text":3888,"type":52,"marks":4322},[4323],{"type":324},{"text":4325,"type":52}," SmartScan pulls the merchant and date from receipts. It also captures the amount in more than 150 currencies. GBP or EUR workspaces can track VAT rates per expense.",{"type":540,"content":4327},[4328],{"type":61,"attrs":4329,"content":4330},{"textAlign":17},[4331,4334],{"text":3910,"type":52,"marks":4332},[4333],{"type":324},{"text":4335,"type":52}," Submit is free. Collect costs £5 per member per month. Control costs £14 per member per month on annual terms, or £7 with the Expensify Card. Pay-per-use pricing is £28 per active member.",{"type":540,"content":4337},[4338],{"type":61,"attrs":4339,"content":4340},{"textAlign":17},[4341,4344],{"text":3921,"type":52,"marks":4342},[4343],{"type":324},{"text":4345,"type":52}," Expensify states that SmartScan reads the tax amount on receipts and applies it automatically where possible. Accounting administrators manage tax rates in the connected accounting system when a direct integration is active. NetSuite and Sage Intacct connections require Control.",{"type":46,"attrs":4347,"content":4348},{"level":459,"textAlign":17},[4349],{"text":4350,"type":52,"marks":4351},"9. SAP Concur",[4352],{"type":324},{"type":61,"attrs":4354,"content":4355},{"textAlign":17},[4356],{"text":4357,"type":52},"SAP Concur is an established enterprise travel-and-expense platform and describes itself as the only vendor with Leader status across all four 2025 IDC T&E reports.",{"type":537,"content":4359},[4360,4370,4380,4399],{"type":540,"content":4361},[4362],{"type":61,"attrs":4363,"content":4364},{"textAlign":17},[4365,4368],{"text":3877,"type":52,"marks":4366},[4367],{"type":324},{"text":4369,"type":52}," Organisations with a managed travel programme or subsidiaries of an SAP-run group.",{"type":540,"content":4371},[4372],{"type":61,"attrs":4373,"content":4374},{"textAlign":17},[4375,4378],{"text":3888,"type":52,"marks":4376},[4377],{"type":324},{"text":4379,"type":52}," Concur Travel and Concur Expense work with ExpenseIt receipt capture and Concur Invoice at global scale, with audit trails that Concur states support local tax documentation.",{"type":540,"content":4381},[4382],{"type":61,"attrs":4383,"content":4384},{"textAlign":17},[4385,4388,4390,4397],{"text":3910,"type":52,"marks":4386},[4387],{"type":324},{"text":4389,"type":52}," Quote-only in the UK and EU. SAP Concur charges US customers per expense report from $7, so ",{"text":4391,"type":52,"marks":4392},"expense report",[4393,4396],{"type":345,"attrs":4394},{"href":4395,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/en/expense-report-software/",{"type":324},{"text":4398,"type":52}," volume drives cost rather than headcount. Readers should not treat those US rates as European prices.",{"type":540,"content":4400},[4401],{"type":61,"attrs":4402,"content":4403},{"textAlign":17},[4404,4407,4408,4415],{"text":3921,"type":52,"marks":4405},[4406],{"type":324},{"text":1793,"type":52},{"text":4409,"type":52,"marks":4410},"Software Advice reviewers",[4411,4414],{"type":345,"attrs":4412},{"href":4413,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.softwareadvice.com/accounting/sap-concur-profile/reviews/",{"type":324},{"text":4416,"type":52}," most often cite simple tasks requiring too many clicks and poor mobile approvals. The platform received a 4.3/5 rating from 2,254 reviews, retrieved on 10 September 2026.",{"type":46,"attrs":4418,"content":4419},{"level":459,"textAlign":17},[4420],{"text":4421,"type":52,"marks":4422},"10. Tipalti",[4423],{"type":324},{"type":61,"attrs":4425,"content":4426},{"textAlign":17},[4427],{"text":4428,"type":52},"Tipalti is an AP and payouts platform that has added cards, expenses, and procurement as modules.",{"type":537,"content":4430},[4431,4441,4451,4461],{"type":540,"content":4432},[4433],{"type":61,"attrs":4434,"content":4435},{"textAlign":17},[4436,4439],{"text":3877,"type":52,"marks":4437},[4438],{"type":324},{"text":4440,"type":52}," Teams paying hundreds of suppliers, partners, or creators across borders every month.",{"type":540,"content":4442},[4443],{"type":61,"attrs":4444,"content":4445},{"textAlign":17},[4446,4449],{"text":3888,"type":52,"marks":4447},[4448],{"type":324},{"text":4450,"type":52}," Unlimited users and a supplier portal support AI Smart Scan invoice processing. Certified integrations include NetSuite OneWorld, Xero, Sage Intacct, and Business Central.",{"type":540,"content":4452},[4453],{"type":61,"attrs":4454,"content":4455},{"textAlign":17},[4456,4459],{"text":3910,"type":52,"marks":4457},[4458],{"type":324},{"text":4460,"type":52}," Platform fees start at £99 per month for AP and £199 per month for Mass Payments, plus transaction-based fees by volume, entity, and module. Tipalti does not publish per-transaction fees.",{"type":540,"content":4462},[4463],{"type":61,"attrs":4464,"content":4465},{"textAlign":17},[4466,4469],{"text":3921,"type":52,"marks":4467},[4468],{"type":324},{"text":4470,"type":52}," Expense management is a paid add-on, and multi-entity support on Advanced is domestic only.",{"type":46,"attrs":4472,"content":4473},{"level":403,"textAlign":17},[4474],{"text":4475,"type":52,"marks":4476},"Best for multi-entity European operations",[4477],{"type":324},{"type":61,"attrs":4479,"content":4480},{"textAlign":17},[4481],{"text":4482,"type":52},"When a finance team adds a legal entity, the operational cost lands in different places depending on the tool.",{"type":61,"attrs":4484,"content":4485},{"textAlign":17},[4486],{"text":4487,"type":52},"Payhawk charges for each additional entity as an add-on. With Ramp, multi-entity accounting requires the Plus plan and carries restrictions for QuickBooks Online and Xero users, meaning configuration work falls on the team.",{"type":61,"attrs":4489,"content":4490},{"textAlign":17},[4491],{"text":4492,"type":52},"Spendesk handles multi-entity operations with consolidated group reporting and entity-level policies, so month-end reconciliation across a European group becomes a reporting exercise rather than a manual coordination effort.",{"type":46,"attrs":4494,"content":4495},{"level":403,"textAlign":17},[4496],{"text":4497,"type":52,"marks":4498},"Best for teams replacing Sspreadsheets and shared cards",[4499],{"type":324},{"type":61,"attrs":4501,"content":4502},{"textAlign":17},[4503],{"text":4504,"type":52},"A shared card and a spreadsheet can work brilliantly when everyone knows everyone. Around 50 people, though, the volume of spend events outgrows what a small team can reconcile comfortably.",{"type":61,"attrs":4506,"content":4507},{"textAlign":17},[4508],{"text":4509,"type":52},"That is where individual cards with a receipt prompt at the point of spend change finance’s day. Finance teams review transactions rather than chasing them down.",{"type":61,"attrs":4511,"content":4512},{"textAlign":17},[4513],{"text":4514,"type":52},"Above that threshold, Spendesk brings cards, claims, and invoices together in one place. Below it, Pleo is the lighter option.",{"type":46,"attrs":4516,"content":4517},{"level":403,"textAlign":17},[4518],{"text":4519,"type":52,"marks":4520},"Best for SaaS and subscription spend control",[4521],{"type":324},{"type":61,"attrs":4523,"content":4524},{"textAlign":17},[4525],{"text":4526,"type":52},"Spendesk and Moss both issue unlimited cards without a per-card charge. Each renewal can have its own limit and named owner, and finance can switch it off when needed.",{"type":61,"attrs":4528,"content":4529},{"textAlign":17},[4530],{"text":4531,"type":52},"When the team issues a subscription virtual card for each vendor, a named budget owner retains control of the renewal instead of leaving it on a shared card.",{"type":61,"attrs":4533,"content":4534},{"textAlign":17},[4535],{"text":4536,"type":52},"Recurring vendor tracking shows finance the renewal before it lands, and finance can freeze the card instead of chasing a supplier.",{"type":46,"attrs":4538,"content":4539},{"level":403,"textAlign":17},[4540],{"text":4541,"type":52,"marks":4542},"How do corporate and virtual cards change spend control?",[4543],{"type":324},{"type":61,"attrs":4545,"content":4546},{"textAlign":17},[4547],{"text":4548,"type":52},"Traditional payment methods put control after the payment.",{"type":61,"attrs":4550,"content":4551},{"textAlign":17},[4552,4559,4561,4568,4570,4577,4578,4585],{"text":4553,"type":52,"marks":4554},"Petty cash",[4555,4558],{"type":345,"attrs":4556},{"href":4557,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/blog/petty-cash-reconciliation/",{"type":324},{"text":4560,"type":52}," requires a manual reconciliation that rarely happens on time. Colleagues who share ",{"text":4562,"type":52,"marks":4563},"company credit cards",[4564,4567],{"type":345,"attrs":4565},{"href":4566,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/blog/what-is-a-corporate-credit-card/",{"type":324},{"text":4569,"type":52}," leave finance reading statements weeks later. They also create a ",{"text":4571,"type":52,"marks":4572},"risk of fraud",[4573,4576],{"type":345,"attrs":4574},{"href":4575,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/blog/company-credit-card-fraud/",{"type":324},{"text":826,"type":52},{"text":4579,"type":52,"marks":4580},"delayed oversight of spending",[4581,4584],{"type":345,"attrs":4582},{"href":4583,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/blog/company-credit-card/",{"type":324},{"text":762,"type":52},{"type":61,"attrs":4587,"content":4588},{"textAlign":17},[4589,4596],{"text":4590,"type":52,"marks":4591},"Smart company cards",[4592,4595],{"type":345,"attrs":4593},{"href":4594,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/product/cards/",{"type":324},{"text":4597,"type":52}," move control forward. Each physical Visa card or virtual card carries its own limit and approval rule, with a receipt reminder attached.",{"type":61,"attrs":4599,"content":4600},{"textAlign":17},[4601],{"text":4602,"type":52},"Moss offers flexible debit or credit funding, while Ramp issues charge cards with the full balance due each cycle.",{"type":46,"attrs":4604,"content":4605},{"level":403,"textAlign":17},[4606],{"text":4607,"type":52,"marks":4608},"How does pre-approval policy control prevent overspending?",[4609],{"type":324},{"type":61,"attrs":4611,"content":4612},{"textAlign":17},[4613],{"text":4614,"type":52},"Approval workflows can route by cost centre and amount. Category rules provide another condition, catching out-of-policy spend before payment.",{"type":61,"attrs":4616,"content":4617},{"textAlign":17},[4618],{"text":4619,"type":52},"For example, a £300 software request might need only the budget owner’s approval. At £5,000, a supplier contract could route from the budget owner to finance.",{"type":61,"attrs":4621,"content":4622},{"textAlign":17},[4623],{"text":4624,"type":52},"Receipt controls carry the biggest return because a card programme that can block further spending until the employee submits an overdue receipt removes the chase.",{"type":61,"attrs":4626,"content":4627},{"textAlign":17},[4628],{"text":4629,"type":52},"Pleo applies AI spend guidelines and AI expense review to flag out-of-policy items, while Ramp adds AI approval recommendations on Plus.",{"type":61,"attrs":4631,"content":4632},{"textAlign":17},[4633,4635,4642,4644,4651],{"text":4634,"type":52},"The same pre-payment checks reduce ",{"text":4636,"type":52,"marks":4637},"expense fraud",[4638,4641],{"type":345,"attrs":4639},{"href":4640,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/blog/expense-report-process/",{"type":324},{"text":4643,"type":52}," exposure and shrink ",{"text":4645,"type":52,"marks":4646},"the dreaded expense claim",[4647,4650],{"type":345,"attrs":4648},{"href":4649,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.spendesk.com/blog/employee-expense-reports/",{"type":324},{"text":4652,"type":52}," to the rare case where an employee had no card to hand.",{"type":46,"attrs":4654,"content":4655},{"level":403,"textAlign":17},[4656],{"text":4657,"type":52,"marks":4658},"Which integrations preserve the accounting fields your bookkeeping needs?",[4659],{"type":324},{"type":61,"attrs":4661,"content":4662},{"textAlign":17},[4663],{"text":4664,"type":52},"An integration that drops a VAT code or cost centre creates a problem at month-end, not at the demo. Someone then has to re-key those codes into the ledger.",{"type":61,"attrs":4666,"content":4667},{"textAlign":17},[4668],{"text":4669,"type":52},"The table below lists what each accounting system’s own API supports and the field to test before signing.",{"type":1738,"content":4671},[4672,4704,4738,4766,4801],{"type":1741,"content":4673},[4674,4684,4694],{"type":1744,"attrs":4675,"content":4676},{"colspan":48,"rowspan":48,"colwidth":17},[4677],{"type":61,"attrs":4678,"content":4679},{"textAlign":17},[4680],{"text":4681,"type":52,"marks":4682},"Accounting system",[4683],{"type":324},{"type":1744,"attrs":4685,"content":4686},{"colspan":48,"rowspan":48,"colwidth":17},[4687],{"type":61,"attrs":4688,"content":4689},{"textAlign":17},[4690],{"text":4691,"type":52,"marks":4692},"Connection 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available on all plans",{"type":1771,"attrs":4731,"content":4732},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[4733],{"type":61,"attrs":4734,"content":4735},{"textAlign":17},[4736],{"text":4737,"type":52},"Maximum of two tracking categories per invoice line",{"type":1741,"content":4739},[4740,4750,4758],{"type":1771,"attrs":4741,"content":4742},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[4743],{"type":61,"attrs":4744,"content":4745},{"textAlign":17},[4746],{"text":4747,"type":52,"marks":4748},"NetSuite",[4749],{"type":324},{"type":1771,"attrs":4751,"content":4752},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[4753],{"type":61,"attrs":4754,"content":4755},{"textAlign":17},[4756],{"text":4757,"type":52},"SuiteTalk REST",{"type":1771,"attrs":4759,"content":4760},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[4761],{"type":61,"attrs":4762,"content":4763},{"textAlign":17},[4764],{"text":4765,"type":52},"Subsidiary field on OneWorld records",{"type":1741,"content":4767},[4768,4778,4793],{"type":1771,"attrs":4769,"content":4770},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[4771],{"type":61,"attrs":4772,"content":4773},{"textAlign":17},[4774],{"text":4775,"type":52,"marks":4776},"DATEV",[4777],{"type":324},{"type":1771,"attrs":4779,"content":4780},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[4781],{"type":61,"attrs":4782,"content":4783},{"textAlign":17},[4784,4791],{"text":4785,"type":52,"marks":4786},"DATEVconnect online API",[4787,4790],{"type":345,"attrs":4788},{"href":4789,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://developer.datev.de/de/guides/authentication",{"type":324},{"text":4792,"type":52}," or EXTF CSV, format version 700 and batch version 12",{"type":1771,"attrs":4794,"content":4795},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[4796],{"type":61,"attrs":4797,"content":4798},{"textAlign":17},[4799],{"text":4800,"type":52},"BU-Schlüssel VAT keys",{"type":1741,"content":4802},[4803,4813,4828],{"type":1771,"attrs":4804,"content":4805},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[4806],{"type":61,"attrs":4807,"content":4808},{"textAlign":17},[4809],{"text":4810,"type":52,"marks":4811},"QuickBooks Online",[4812],{"type":324},{"type":1771,"attrs":4814,"content":4815},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[4816],{"type":61,"attrs":4817,"content":4818},{"textAlign":17},[4819,4826],{"text":4820,"type":52,"marks":4821},"REST API 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connector.",{"type":540,"content":4858},[4859],{"type":61,"attrs":4860,"content":4861},{"textAlign":17},[4862],{"text":4863,"type":52},"Sage 50 UK uses the SDO SDK or CSV.",{"type":61,"attrs":4865,"content":4866},{"textAlign":17},[4867],{"text":4868,"type":52},"Microsoft Business Central’s standard REST v2.0 APIs cannot be extended without a custom API page.",{"type":61,"attrs":4870,"content":4871},{"textAlign":17},[4872,4874,4880,4882,4889],{"text":4873,"type":52},"Check Spendesk’s ",{"text":4875,"type":52,"marks":4876},"integration catalogue",[4877,4879],{"type":345,"attrs":4878},{"href":853,"uuid":17,"anchor":17,"target":368,"linktype":267},{"type":324},{"text":4881,"type":52}," for your system version, and confirm that the export carries clean records into your ",{"text":4883,"type":52,"marks":4884},"bookkeeping 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approval engine removes the re-keying.",{"type":61,"attrs":4916,"content":4917},{"textAlign":17},[4918,4920,4927],{"text":4919,"type":52},"Specialists win when one workflow is exceptional. 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These prices reflect the latest numbers",{"text":1793,"type":52,"marks":4952},[4953],{"type":324},{"text":4955,"type":52},"and may change.",{"type":1738,"content":4957},[4958,4989,5019,5049,5079,5109],{"type":1741,"content":4959},[4960,4969,4979],{"type":1744,"attrs":4961,"content":4962},{"colspan":48,"rowspan":48,"colwidth":17},[4963],{"type":61,"attrs":4964,"content":4965},{"textAlign":17},[4966],{"text":3236,"type":52,"marks":4967},[4968],{"type":324},{"type":1744,"attrs":4970,"content":4971},{"colspan":48,"rowspan":48,"colwidth":17},[4972],{"type":61,"attrs":4973,"content":4974},{"textAlign":17},[4975],{"text":4976,"type":52,"marks":4977},"Cost driver",[4978],{"type":324},{"type":1744,"attrs":4980,"content":4981},{"colspan":48,"rowspan":48,"colwidth":17},[4982],{"type":61,"attrs":4983,"content":4984},{"textAlign":17},[4985],{"text":4986,"type":52,"marks":4987},"Scaling implication",[4988],{"type":324},{"type":1741,"content":4990},[4991,5003,5011],{"type":1771,"attrs":4992,"content":4993},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[4994],{"type":61,"attrs":4995,"content":4996},{"textAlign":17},[4997,5001],{"text":4998,"type":52,"marks":4999},"Per user or per member",[5000],{"type":324},{"text":5002,"type":52},": Pleo £8 to £18; 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",[5573],{"type":72,"attrs":5574},{"color":74},{"text":5576,"type":52},"ESG sits at the heart of investment decisions, company strategy and new rules.",{"text":5578,"type":52,"marks":5579}," This is more than a trend – it’s changing how we measure business success and financial health.",[5580],{"type":72,"attrs":5581},{"color":74},{"type":46,"attrs":5583,"content":5584},{"level":403},[5585],{"text":5586,"type":52},"What is ESG and why does it matter?",{"type":61,"content":5588},[5589,5591,5595],{"text":5590,"type":52},"ESG stands for Environmental, Social, and Governance – three key pillars used to ",{"text":5592,"type":52,"marks":5593},"measure the sustainability and ethical impact of a company’s operations",[5594],{"type":324},{"text":5596,"type":52},". ESG criteria are widely used by investors to assess potential investments and by companies to guide responsible business practices. By considering ESG factors, financial leaders gain a fuller understanding of long-term risks and opportunities beyond traditional financial metrics.",{"type":537,"content":5598},[5599,5609,5619],{"type":540,"content":5600},[5601],{"type":61,"content":5602},[5603,5607],{"text":5604,"type":52,"marks":5605},"Environmental",[5606],{"type":324},{"text":5608,"type":52},": How a company treats the planet. This covers energy use, waste, pollution and climate action.",{"type":540,"content":5610},[5611],{"type":61,"content":5612},[5613,5617],{"text":5614,"type":52,"marks":5615},"Social",[5616],{"type":324},{"text":5618,"type":52},": How a company treats people. This means workers, customers, suppliers and the local community.",{"type":540,"content":5620},[5621],{"type":61,"content":5622},[5623,5627],{"text":5624,"type":52,"marks":5625},"Governance",[5626],{"type":324},{"text":5628,"type":52},": How a company is run. This includes leadership, fair pay, diversity, ethics and clear reporting.",{"type":61,"content":5630},[5631],{"text":5632,"type":52,"marks":5633},"ESG is not just about ticking boxes. It helps spot risks and chances that standard financial checks might miss.",[5634],{"type":72,"attrs":5635},{"color":74},{"type":46,"attrs":5637,"content":5638},{"level":403},[5639],{"text":5640,"type":52},"The evolution of ESG in finance",{"type":61,"content":5642},[5643],{"text":5644,"type":52},"ESG has roots in socially responsible investing from the 1960s, when funds avoided industries like tobacco or weapons. Now, ESG is much more than exclusion – it involves evaluating a company’s practices and performance across a wide range of environmental, social, and governance criteria.",{"type":61,"content":5646},[5647],{"text":5648,"type":52},"Why the change? There’s more proof that ESG affects profits. People care more about climate and fairness. Better data tools help, and new rules require more transparent reporting. Today, ESG factors into almost every financial decision, from single investments to global strategies.",{"type":46,"attrs":5650,"content":5651},{"level":403},[5652],{"text":5653,"type":52},"The business case for ESG",{"type":326,"attrs":5655},{"id":5656,"body":5657},"4a7b3fa3-d8a3-43e5-98b2-9f6e9373ab7e",[5658],{"_uid":5659,"type":18,"asset":5660,"caption":18,"overlay":5665,"component":450},"i-e3d98778-a37f-4fe8-9a62-0e1ea731149f",{"id":5661,"alt":5662,"name":18,"focus":18,"title":18,"source":18,"filename":5663,"copyright":18,"fieldtype":19,"meta_data":5664,"is_external_url":14},22313142,"ESG in finance","https://a.storyblok.com/f/146026/5712x3779/f922e7a2b6/esg-in-finance.jpg",{"alt":5662,"title":18,"source":18,"copyright":18},[],{"type":61,"content":5667},[5668],{"text":5669,"type":52},"Some argue ESG is about ethics, not economics. But evidence increasingly shows that companies with robust ESG practices can outperform their peers over the long term. They typically:",{"type":537,"content":5671},[5672,5678,5684,5690,5696],{"type":540,"content":5673},[5674],{"type":61,"content":5675},[5676],{"text":5677,"type":52},"Get cheaper loans and lower costs",{"type":540,"content":5679},[5680],{"type":61,"content":5681},[5682],{"text":5683,"type":52},"Face fewer fines and scandals",{"type":540,"content":5685},[5686],{"type":61,"content":5687},[5688],{"text":5689,"type":52},"Operate more efficiently",{"type":540,"content":5691},[5692],{"type":61,"content":5693},[5694],{"text":5695,"type":52},"Attract and retain talented staff",{"type":540,"content":5697},[5698],{"type":61,"content":5699},[5700],{"text":5701,"type":52},"Show greater resilience during tough times",{"type":61,"content":5703},[5704,5706,5712],{"text":5705,"type":52},"A major review by ",{"text":5707,"type":52,"marks":5708},"NYU Stern",[5709],{"type":345,"attrs":5710},{"href":5711,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.stern.nyu.edu/sites/default/files/assets/documents/NYU-RAM_ESG-Paper_2021.pdf",{"text":5713,"type":52}," in 2021 examined over 1,000 studies. Most showed a positive link between strong ESG and improved financial results. Only a small number found the opposite.",{"type":46,"attrs":5715,"content":5716},{"level":403},[5717],{"text":5718,"type":52},"ESG investment strategies",{"type":61,"content":5720},[5721,5723,5729],{"text":5722,"type":52},"Investors have developed various approaches to ",{"text":5724,"type":52,"marks":5725},"incorporate ESG considerations",[5726],{"type":345,"attrs":5727},{"href":5728,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.forbes.com/uk/advisor/investing/what-is-esg-investing/",{"text":5730,"type":52}," into their portfolios:",{"type":537,"content":5732},[5733,5743,5753,5763,5773,5783],{"type":540,"content":5734},[5735],{"type":61,"content":5736},[5737,5741],{"text":5738,"type":52,"marks":5739},"ESG integration",[5740],{"type":324},{"text":5742,"type":52}," involves systematically including ESG factors alongside traditional financial metrics when making investment decisions. This approach doesn't necessarily exclude any industries but weights investments based on relative ESG performance.",{"type":540,"content":5744},[5745],{"type":61,"content":5746},[5747,5751],{"text":5748,"type":52,"marks":5749},"Negative screening",[5750],{"type":324},{"text":5752,"type":52}," excludes companies or sectors that don't meet specific ESG criteria, such as fossil fuel producers, weapons manufacturers, or companies with poor human rights records.",{"type":540,"content":5754},[5755],{"type":61,"content":5756},[5757,5761],{"text":5758,"type":52,"marks":5759},"Positive screening",[5760],{"type":324},{"text":5762,"type":52}," (or best-in-class) selects companies with stronger ESG performance relative to industry peers.",{"type":540,"content":5764},[5765],{"type":61,"content":5766},[5767,5771],{"text":5768,"type":52,"marks":5769},"Thematic investing",[5770],{"type":324},{"text":5772,"type":52}," focuses on specific ESG themes like clean energy, water scarcity, or gender diversity.",{"type":540,"content":5774},[5775],{"type":61,"content":5776},[5777,5781],{"text":5778,"type":52,"marks":5779},"Impact investing",[5780],{"type":324},{"text":5782,"type":52}," aims to generate measurable social or environmental benefits alongside financial returns, often through direct investments in projects or companies with explicit sustainability goals.",{"type":540,"content":5784},[5785],{"type":61,"content":5786},[5787,5791],{"text":5788,"type":52,"marks":5789},"Active ownership",[5790],{"type":324},{"text":5792,"type":52}," involves using shareholder rights to influence company behaviour through voting and engagement.",{"type":46,"attrs":5794,"content":5795},{"level":403},[5796],{"text":5797,"type":52},"The rise of ESG data and ratings",{"type":61,"content":5799},[5800],{"text":5801,"type":52},"ESG growth has led to the rise of many data providers and ESG rating agencies, such as MSCI, Sustainalytics and S&P. They rate companies across hundreds of ESG criteria, though methodologies and results can vary significantly.",{"type":61,"content":5803},[5804],{"text":5805,"type":52},"But there are problems:",{"type":537,"content":5807},[5808,5821,5831],{"type":540,"content":5809},[5810],{"type":61,"content":5811},[5812,5816],{"text":5813,"type":52,"marks":5814},"No single ESG standard: ",[5815],{"type":324},{"text":5817,"type":52,"marks":5818},"Each ratings agency uses its own method.",[5819],{"type":72,"attrs":5820},{"color":74},{"type":540,"content":5822},[5823],{"type":61,"content":5824},[5825,5829],{"text":5826,"type":52,"marks":5827},"Some data is missing",[5828],{"type":324},{"text":5830,"type":52},": Especially for smaller firms or new markets",{"type":540,"content":5832},[5833],{"type":61,"content":5834},[5835,5839,5846,5849],{"text":5836,"type":52,"marks":5837},"Risk of ",[5838],{"type":324},{"text":5840,"type":52,"marks":5841},"greenwashing",[5842,5845],{"type":345,"attrs":5843},{"href":5844,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://www.un.org/en/climatechange/science/climate-issues/greenwashing",{"type":324},{"text":349,"type":52,"marks":5847},[5848],{"type":324},{"text":5850,"type":52},"When companies make themselves look greener than they are",{"type":61,"content":5852},[5853,5855,5861],{"text":5854,"type":52},"Groups like the ",{"text":5856,"type":52,"marks":5857},"Sustainability Accounting Standards Board",[5858],{"type":345,"attrs":5859},{"href":5860,"uuid":17,"anchor":17,"target":368,"linktype":267},"https://sasb.ifrs.org/",{"text":5862,"type":52}," (SASB) and the Global Reporting Initiative (GRI) work on better, clearer standards.",{"type":46,"attrs":5864,"content":5865},{"level":403},[5866],{"text":5867,"type":52},"Regulatory developments in ESG",{"type":61,"content":5869},[5870],{"text":5871,"type":52},"Regulatory requirements for ESG disclosure and integration are evolving quickly in the UK, EU and worldwide.",{"type":537,"content":5873},[5874,5884,5894,5904],{"type":540,"content":5875},[5876],{"type":61,"content":5877},[5878,5882],{"text":5879,"type":52,"marks":5880},"EU",[5881],{"type":324},{"text":5883,"type":52},": New rules require funds to explain how they use ESG in decisions",{"type":540,"content":5885},[5886],{"type":61,"content":5887},[5888,5892],{"text":5889,"type":52,"marks":5890},"UK",[5891],{"type":324},{"text":5893,"type":52},": Companies must report climate risks and follow green standards by 2025",{"type":540,"content":5895},[5896],{"type":61,"content":5897},[5898,5902],{"text":5899,"type":52,"marks":5900},"US",[5901],{"type":324},{"text":5903,"type":52},": Plans for more climate-related reporting and investment rules",{"type":540,"content":5905},[5906],{"type":61,"content":5907},[5908,5912],{"text":5909,"type":52,"marks":5910},"Global",[5911],{"type":324},{"text":5913,"type":52},": The International Sustainability Standards Board (ISSB) is setting new worldwide standards",{"type":61,"content":5915},[5916],{"text":5917,"type":52},"These changes mean ESG is now part of the financial system, not just a nice extra.",{"type":46,"attrs":5919,"content":5920},{"level":403},[5921],{"text":5922,"type":52},"Climate finance and the net zero transition",{"type":326,"attrs":5924},{"id":5656,"body":5925},[5926],{"_uid":5927,"type":18,"asset":5928,"caption":18,"overlay":5932,"component":450},"i-8d0c7d00-6bf4-4d0c-b3c1-117889ec2bc9",{"id":5929,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":5930,"copyright":18,"fieldtype":19,"meta_data":5931,"is_external_url":14},22316258,"https://a.storyblok.com/f/146026/3750x2000/4247873ebb/net-zero.jpg",{},[],{"type":61,"content":5934},[5935],{"text":5936,"type":52},"Climate change presents one of the biggest ESG challenges for the financial sector. Achieving net zero emissions by 2050 is expected to require trillions of dollars in global investment.",{"type":61,"content":5938},[5939],{"text":5940,"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":5942,"content":5943},{"level":403},[5944],{"text":5945,"type":52},"Social factors gaining prominence",{"type":61,"content":5947},[5948],{"text":5949,"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":5951},[5952],{"text":5953,"type":52},"Key social considerations for investors include:",{"type":537,"content":5955},[5956,5962,5968,5974,5980],{"type":540,"content":5957},[5958],{"type":61,"content":5959},[5960],{"text":5961,"type":52},"Workforce practices (wages, benefits, health and safety)",{"type":540,"content":5963},[5964],{"type":61,"content":5965},[5966],{"text":5967,"type":52},"Diversity, equity, and inclusion initiatives",{"type":540,"content":5969},[5970],{"type":61,"content":5971},[5972],{"text":5973,"type":52},"Supply chain management and human rights",{"type":540,"content":5975},[5976],{"type":61,"content":5977},[5978],{"text":5979,"type":52},"Product safety and data privacy",{"type":540,"content":5981},[5982],{"type":61,"content":5983},[5984],{"text":5985,"type":52},"Community relations and social impact",{"type":61,"content":5987},[5988],{"text":5989,"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":5991,"content":5992},{"level":403},[5993],{"text":5994,"type":52},"Governance: The foundation of ESG",{"type":61,"content":5996},[5997],{"text":5998,"type":52},"Effective governance provides the foundation for addressing environmental and social challenges. ",{"type":61,"content":6000},[6001],{"text":6002,"type":52},"Governance considerations include:",{"type":537,"content":6004},[6005,6011,6017,6023,6029,6035],{"type":540,"content":6006},[6007],{"type":61,"content":6008},[6009],{"text":6010,"type":52},"Board composition, diversity, and independence",{"type":540,"content":6012},[6013],{"type":61,"content":6014},[6015],{"text":6016,"type":52},"Executive compensation structures",{"type":540,"content":6018},[6019],{"type":61,"content":6020},[6021],{"text":6022,"type":52},"Shareholder rights and engagement",{"type":540,"content":6024},[6025],{"type":61,"content":6026},[6027],{"text":6028,"type":52},"Business ethics and anti-corruption measures",{"type":540,"content":6030},[6031],{"type":61,"content":6032},[6033],{"text":6034,"type":52},"Tax transparency and responsibility",{"type":540,"content":6036},[6037],{"type":61,"content":6038},[6039],{"text":6040,"type":52},"Risk management frameworks",{"type":61,"content":6042},[6043],{"text":6044,"type":52},"Good governance practices help ensure that companies are well-positioned to address ESG risks and opportunities while aligning management incentives with long-term value creation.",{"type":46,"attrs":6046,"content":6047},{"level":403},[6048],{"text":6049,"type":52},"ESG challenges and criticisms",{"type":61,"content":6051},[6052],{"text":6053,"type":52},"Despite its growing prominence, ESG investing faces several challenges and criticisms:",{"type":537,"content":6055},[6056,6066,6076,6086,6096,6106],{"type":540,"content":6057},[6058],{"type":61,"content":6059},[6060,6064],{"text":6061,"type":52,"marks":6062},"Measurement difficulties",[6063],{"type":324},{"text":6065,"type":52},": ESG factors can be difficult to quantify consistently, leading to divergent ratings and assessments.",{"type":540,"content":6067},[6068],{"type":61,"content":6069},[6070,6074],{"text":6071,"type":52,"marks":6072},"Materiality questions",[6073],{"type":324},{"text":6075,"type":52},": Different ESG issues may be more or less financially material depending on the industry and company.",{"type":540,"content":6077},[6078],{"type":61,"content":6079},[6080,6084],{"text":6081,"type":52,"marks":6082},"Short-termism",[6083],{"type":324},{"text":6085,"type":52},": Financial markets' focus on quarterly results can conflict with the long-term nature of many ESG considerations.",{"type":540,"content":6087},[6088],{"type":61,"content":6089},[6090,6094],{"text":6091,"type":52,"marks":6092},"Greenwashing concerns",[6093],{"type":324},{"text":6095,"type":52},": Companies may exaggerate their ESG credentials to attract investment without making substantive changes.",{"type":540,"content":6097},[6098],{"type":61,"content":6099},[6100,6104],{"text":6101,"type":52,"marks":6102},"Politicisation",[6103],{"type":324},{"text":6105,"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":6107},[6108],{"type":61,"content":6109},[6110,6114],{"text":6111,"type":52,"marks":6112},"Performance debates",[6113],{"type":324},{"text":6115,"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":6117},[6118],{"text":6119,"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":6121,"content":6122},{"level":403},[6123],{"text":6124,"type":52},"The future of ESG and finance",{"type":61,"content":6126},[6127],{"text":6128,"type":52},"Looking ahead, several trends are likely to shape the evolution of ESG in finance:",{"type":537,"content":6130},[6131,6141,6151,6161,6171,6181],{"type":540,"content":6132},[6133],{"type":61,"content":6134},[6135,6139],{"text":6136,"type":52,"marks":6137},"Standardisation and regulation",[6138],{"type":324},{"text":6140,"type":52},": Continued movement toward standardised ESG reporting frameworks and increased regulatory requirements.",{"type":540,"content":6142},[6143],{"type":61,"content":6144},[6145,6149],{"text":6146,"type":52,"marks":6147},"Technology integration",[6148],{"type":324},{"text":6150,"type":52},": Advanced data analytics, artificial intelligence, and blockchain applications will improve ESG data collection, verification, and analysis.",{"type":540,"content":6152},[6153],{"type":61,"content":6154},[6155,6159],{"text":6156,"type":52,"marks":6157},"Biodiversity focus",[6158],{"type":324},{"text":6160,"type":52},": Growing attention to biodiversity loss and nature-related financial risks, similar to the evolution of climate risk awareness.",{"type":540,"content":6162},[6163],{"type":61,"content":6164},[6165,6169],{"text":6166,"type":52,"marks":6167},"Just transition emphasis",[6168],{"type":324},{"text":6170,"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":6172},[6173],{"type":61,"content":6174},[6175,6179],{"text":6176,"type":52,"marks":6177},"Outcome-based measurement",[6178],{"type":324},{"text":6180,"type":52},": Moving beyond process-focused ESG assessments toward measuring actual environmental and social outcomes.",{"type":540,"content":6182},[6183],{"type":61,"content":6184},[6185,6189],{"text":6186,"type":52,"marks":6187},"Integration with financial analysis",[6188],{"type":324},{"text":6190,"type":52},": Further embedding of ESG considerations into mainstream financial analysis rather than treating them as separate factors.",{"type":46,"attrs":6192,"content":6193},{"level":403},[6194],{"text":6195,"type":52},"Practical steps for financial professionals",{"type":61,"content":6197},[6198],{"text":6199,"type":52},"For financial professionals looking to enhance their ESG capabilities, several practical steps can help:",{"type":2162,"attrs":6201,"content":6202},{"order":48},[6203,6213,6223,6233,6243,6253,6263],{"type":540,"content":6204},[6205],{"type":61,"content":6206},[6207,6211],{"text":6208,"type":52,"marks":6209},"Develop ESG expertise",[6210],{"type":324},{"text":6212,"type":52},": Invest in training and education to understand ESG issues and their financial implications.",{"type":540,"content":6214},[6215],{"type":61,"content":6216},[6217,6221],{"text":6218,"type":52,"marks":6219},"Enhance data capabilities",[6220],{"type":324},{"text":6222,"type":52},": Improve systems for collecting, analysing, and integrating ESG data into investment processes.",{"type":540,"content":6224},[6225],{"type":61,"content":6226},[6227,6231],{"text":6228,"type":52,"marks":6229},"Clarify ESG philosophy",[6230],{"type":324},{"text":6232,"type":52},": Articulate a clear approach to ESG that aligns with your organisation's values and client expectations.",{"type":540,"content":6234},[6235],{"type":61,"content":6236},[6237,6241],{"text":6238,"type":52,"marks":6239},"Engage with companies",[6240],{"type":324},{"text":6242,"type":52},": Use shareholder rights to encourage improved ESG practices at portfolio companies.",{"type":540,"content":6244},[6245],{"type":61,"content":6246},[6247,6251],{"text":6248,"type":52,"marks":6249},"Collaborate with peers",[6250],{"type":324},{"text":6252,"type":52},": Participate in industry initiatives to share best practices and advocate for improved standards.",{"type":540,"content":6254},[6255],{"type":61,"content":6256},[6257,6261],{"text":6258,"type":52,"marks":6259},"Communicate transparently",[6260],{"type":324},{"text":6262,"type":52},": Provide clear reporting on ESG activities and outcomes to avoid greenwashing allegations.",{"type":540,"content":6264},[6265],{"type":61,"content":6266},[6267,6271],{"text":6268,"type":52,"marks":6269},"Focus on materiality",[6270],{"type":324},{"text":6272,"type":52},": Prioritise ESG factors that are most likely to impact financial performance in specific sectors.",{"type":46,"attrs":6274,"content":6275},{"level":403},[6276],{"text":2939,"type":52},{"type":61,"content":6278},[6279],{"text":6280,"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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