SAP Concur

The company states it has embedded AI and machine learning in its solutions for over a decade. These models automate receipt data capture, flag unusual or out-of-policy expenses, and analyze spending patterns to spot potential fraud. An agentic AI assistant, trained on a company's travel policies, now powers the booking experience.

SAP Concur offers over 300 pre-built connectors to ERP, HR, payroll, and CRM systems, alongside open APIs for custom integrations. As part of the SAP family, it is deeply embedded in the broader SAP financial software suite, making it the default expense-management layer for a large base of existing SAP enterprise customers.

The platform serves 92 million users globally and processed one billion expense transactions in a recent single year, according to its own disclosures. This volume underpins the machine-learning models that power its policy enforcement and anomaly detection capabilities.

SAP Concur is the travel, expense, and invoice management division of SAP. It was acquired by SAP and now leverages the parent company's resources to accelerate innovation and global deployment, according to its website.

The platform covers three primary areas: automated expense reporting with real-time policy enforcement, business travel booking through direct supplier connections and TMC integrations, and accounts-payable automation that includes duplicate and incorrect payment detection.