AI in SAP Concur

Content:

1. Smart Expense with Smart Match: Less Effort, More Accuracy
2. Intelligent Audit: Risk-Based AI Controls at Scale
3. Request Assistant: Realistic Cost Estimates Before the Trip
4. SAP Joule for Concur Expense: Generative AI for Natural User Interaction
5. Further Information
6. Author

In today’s increasingly digital working world, automating business processes is key to achieving greater efficiency, accuracy, and compliance. This is especially true in the area of expense management, where the potential of Artificial Intelligence (AI) is becoming more apparent: tasks that were once manual, time-consuming, and error-prone can now be optimized using intelligent technologies. SAP Concur addresses this shift with a new generation of AI-powered features that not only automate expense processes but also add a layer of smart decision support.

With solutions like Smart Expense, AI Assist, Intelligent Audit, and the new Request Assistant, SAP Concur goes beyond traditional process optimization to deliver real, measurable value for finance teams, HR departments, and business travelers alike.

Smart Expense with Smart Match: Less Effort, More Accuracy

A central feature in SAP Concur’s AI portfolio is Smart Expense. Combined with Smart Match, it offers intelligent, automated mapping of expenses to the appropriate receipts and transactions. The key: SAP Concur uses AI to automatically match credit card transactions with digitized receipts - even when the data is incomplete or unstructured.

What previously required manual work now happens almost in real time. The system detects patterns, checks for matches, and significantly reduces both processing time and human error—delivering clear efficiency gains for employees and accounting teams alike.

Intelligent Audit: Risk-Based AI Controls at Scale

Another highlight is Intelligent Audit - an automated review process that uses machine learning to analyse submitted expense reports for policy compliance and potential risks. Rather than manually reviewing every single claim, the system intelligently flags outliers, irregularities, or potential policy violations.

The benefits are clear:
• Time savings through risk-based prioritization
• Consistent compliance regardless of location or reviewer experience
• Scalability for growing travel volumes and global teams

For multinational organizations with complex travel and expense policies, Intelligent Audit becomes a strategic tool - enhancing transparency, fairness, and security.

Request Assistant: Realistic Cost Estimates Before the Trip

Even before the trip begins, Request Assistant enables a more professional and data-driven start. Using AI to analyse historical data and market trends, this feature helps employees make realistic cost estimates for upcoming travel - before submitting a request.

As a result, travel budgets can be planned more accurately, approvals become faster and more transparent, and communication between departments, finance, and management is streamlined - reducing unnecessary back-and-forth and rework.