[{"data":1,"prerenderedAt":4272},["ShallowReactive",2],{"en-blog/expense-report-process":3,"en-global-content":1033,"en-article-global-content":2463,"en-blog-article-more-articles-f1ded6b1-7e22-4841-a982-4b97800ed612":2722,"en-blog-article-more-articles-208785651":4267},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":1021,"full_slug":1022,"sort_by_date":41,"position":1023,"tag_list":1024,"is_startpage":26,"parent_id":1025,"meta_data":41,"group_id":1026,"first_published_at":1027,"release_id":41,"lang":47,"path":41,"alternates":1028,"default_full_slug":1022,"translated_slugs":1029},"17 ways the expense report process hurts your business","2022-10-24T16:28:53.545Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:33.350Z",208785651,"9b42b8b7-e924-4563-b9fb-c2a622c1dfa6",{"_uid":11,"roles":12,"title":4,"author":13,"topics":57,"content":79,"noIndex":26,"category":915,"language":940,"component":928,"heroMedia":943,"sidebarCta":949,"publishedAt":950,"readingTime":951,"redirectUrl":24,"listingImage":952,"metaDescription":24,"componentsAfterTheArticle":953},"5e399870-fa77-417c-bff9-0154548892a9",[],{"name":14,"created_at":15,"published_at":6,"updated_at":16,"id":17,"uuid":18,"content":19,"slug":39,"full_slug":40,"sort_by_date":41,"position":42,"tag_list":43,"is_startpage":26,"parent_id":44,"meta_data":41,"group_id":45,"first_published_at":46,"release_id":41,"lang":47,"path":41,"alternates":48,"default_full_slug":40,"translated_slugs":49,"_stopResolving":56},"Ellen Masterson","2022-10-19T17:38:26.993Z","2026-03-12T10:47:21.391Z",206165123,"95b3647e-1681-4268-a321-7e1cf0d4f7ec",{"_uid":20,"name":14,"links":21,"picture":22,"lastName":27,"component":28,"firstName":29,"description":30},"1227245e-3a42-414b-8cab-1f1d13911149",[],{"alt":23,"name":24,"focus":24,"title":24,"filename":23,"copyright":24,"fieldtype":25,"is_external_url":26},"https://a.storyblok.com/f/146026/433x433/606d1535dd/ellen-masterson.jpeg","","asset",false,"Masterson","author","Ellen",{"type":31,"content":32},"doc",[33],{"type":34,"content":35},"paragraph",[36],{"text":37,"type":38},"Ellen Masterson is a UK and Ireland market expert at Spendesk.","text","ellen-masterson","blog/author/ellen-masterson",null,-570,[],176408854,"97ff1b97-46d9-424e-b85a-b5624bd25e31","2022-11-02T15:25:54.515Z","default",[],[50,52,54],{"path":40,"name":41,"lang":51,"published":41},"fr",{"path":40,"name":41,"lang":53,"published":41},"de",{"path":40,"name":41,"lang":55,"published":41},"es",true,[58],{"name":59,"created_at":60,"published_at":6,"updated_at":61,"id":62,"uuid":63,"content":64,"slug":67,"full_slug":68,"sort_by_date":41,"position":69,"tag_list":70,"is_startpage":26,"parent_id":71,"meta_data":41,"group_id":72,"first_published_at":73,"release_id":41,"lang":47,"path":41,"alternates":74,"default_full_slug":68,"translated_slugs":75,"_stopResolving":56},"Spend management","2022-10-19T17:57:54.407Z","2026-03-12T10:47:23.262Z",206171419,"f1ded6b1-7e22-4841-a982-4b97800ed612",{"_uid":65,"name":59,"component":66},"fba530b2-81a3-4b87-986d-708d05055369","tag","spend-management","blog/topic/spend-management",-230,[],176456153,"485045be-15bb-4bad-be38-3403f2a4f645","2022-11-02T15:24:49.793Z",[],[76,77,78],{"path":68,"name":41,"lang":51,"published":41},{"path":68,"name":41,"lang":53,"published":41},{"path":68,"name":41,"lang":55,"published":41},{"type":31,"content":80},[81,107,116,120,131,138,142,153,159,175,183,187,209,218,223,234,244,248,253,265,269,273,282,287,299,309,313,318,329,342,347,359,370,375,397,401,419,423,428,437,441,445,449,454,471,475,489,497,502,518,527,537,549,554,558,563,567,572,576,581,585,594,598,602,606,619,624,628,641,645,650,674,678,688,702,712,722,726,748,752,757,761,765,769,773,783,787,792,796,800,804,809,813,817,841,845,867,872,884,894,904,908],{"type":34,"content":82},[83,85,98,100,105],{"text":84,"type":38},"We’ve written multiple times about why ",{"text":86,"type":38,"marks":87},"employees hate expense reports",[88],{"type":89,"attrs":90},"link",{"href":91,"uuid":92,"anchor":41,"target":41,"linktype":93,"story":94},"employee-expense-reports","fed13de1-910a-4998-83ed-ed339cf860d2","story",{"name":95,"id":96,"uuid":92,"slug":91,"url":97,"full_slug":97,"_stopResolving":56},"Employee expense reports: how to fix this broken system",208735204,"blog/employee-expense-reports",{"text":99,"type":38},". ",{"text":101,"type":38,"marks":102},"Expense claims aren’t just annoying and clunky - they’re also bad for business",[103],{"type":104},"bold",{"text":106,"type":38},".",{"type":34,"content":108},[109,111,115],{"text":110,"type":38},"The more you dig in and learn about the problems with expense reports, the easier it is to see that ",{"text":112,"type":38,"marks":113},"they’ve simply got to go",[114],{"type":104},{"text":106,"type":38},{"type":34,"content":117},[118],{"text":119,"type":38},"But you don’t have to take our word for it - we have the data.",{"type":34,"content":121},[122],{"type":123,"attrs":124},"blok",{"id":125,"body":126},"34cad7a4-56ca-44d7-bd68-f4b66f923f05",[127],{"_uid":128,"html":129,"component":130},"97435a81-df6d-47bf-ab8b-82f4dba5ca9b","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-1af98bc4-7442-4862-82e7-c26957a481bf\">\u003Cspan class=\"hs-cta-node hs-cta-1af98bc4-7442-4862-82e7-c26957a481bf\" id=\"hs-cta-1af98bc4-7442-4862-82e7-c26957a481bf\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/1af98bc4-7442-4862-82e7-c26957a481bf\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-1af98bc4-7442-4862-82e7-c26957a481bf\" style=\"border-width:0px;\" height=\"375\" width=\"750\" src=\"https://no-cache.hubspot.com/cta/default/2694209/1af98bc4-7442-4862-82e7-c26957a481bf.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, '1af98bc4-7442-4862-82e7-c26957a481bf', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":132,"attrs":133,"content":135},"heading",{"level":134},2,[136],{"text":137,"type":38},"Expense reports are a drain on time and money",{"type":34,"content":139},[140],{"text":141,"type":38},"The most obvious drawback to expense reports is the time they take to prepare and process. Most companies just grin and bear it.",{"type":34,"content":143},[144,146,151],{"text":145,"type":38},"But if more businesses realised just ",{"text":147,"type":38,"marks":148},"how much",[149],{"type":150},"italic",{"text":152,"type":38}," time they lost to the expense report process, perhaps they’d rethink this position.",{"type":132,"attrs":154,"content":156},{"level":155},3,[157],{"text":158,"type":38},"1. The average expense claim takes 20 minutes to process",{"type":34,"content":160},[161,163,167,169,173],{"text":162,"type":38},"This statistic comes from our own client surveys, cross-referenced with industry data available online. Despite the fact that companies everywhere have been using expense reports ",{"text":164,"type":38,"marks":165},"forever",[166],{"type":150},{"text":168,"type":38},", ",{"text":170,"type":38,"marks":171},"the process is still often misunderstood and costs unnecessary time",[172],{"type":104},{"text":174,"type":38}," for everyone involved.",{"type":34,"content":176},[177],{"type":178,"attrs":179},"image",{"id":41,"alt":180,"src":181,"title":41,"source":41,"copyright":41,"meta_data":182},"TIME-WASTED-EXPENSE-REPORTS","https://get.spendesk.com/hubfs/TIME-WASTED-EXPENSE-REPORTS.jpeg",{},{"type":34,"content":184},[185],{"text":186,"type":38},"The typical claim takes:",{"type":188,"content":189},"bullet_list",[190,197,203],{"type":191,"content":192},"list_item",[193],{"type":34,"content":194},[195],{"text":196,"type":38},"5 minutes for the employee to file",{"type":191,"content":198},[199],{"type":34,"content":200},[201],{"text":202,"type":38},"5 minutes for their manager to review and approve",{"type":191,"content":204},[205],{"type":34,"content":206},[207],{"text":208,"type":38},"10 minutes for a finance team member to review, reimburse, and reconcile",{"type":34,"content":210},[211,213,217],{"text":212,"type":38},"Hence 20 minutes. And when we’re talking about dozens of claims per month, that’s a huge amount of ",{"text":214,"type":38,"marks":215},"time that your business teams could be using for something more valuable",[216],{"type":104},{"text":106,"type":38},{"type":132,"attrs":219,"content":220},{"level":155},[221],{"text":222,"type":38},"2. 1 in 5 expense reports are filed incorrectly",{"type":34,"content":224},[225,232],{"text":226,"type":38,"marks":227},"According to the Global Business Travel Association",[228],{"type":89,"attrs":229},{"href":230,"uuid":41,"anchor":41,"target":41,"linktype":231},"https://www.gbta.org/blog/how-much-do-expense-reports-really-cost-a-company/","url",{"text":233,"type":38},", 19% of all expense reports contain errors. And the same report states that it takes a further 18 minutes (on average) to correct each one.",{"type":34,"content":235},[236,238,242],{"text":237,"type":38},"So if it takes 20 minutes to file a claim, and 18 more minutes to correct the errors, that’s ",{"text":239,"type":38,"marks":240},"38 minutes for every fifth expense report",[241],{"type":104},{"text":243,"type":38},". And 28 of those minutes belong to one poor finance team member.",{"type":34,"content":245},[246],{"text":247,"type":38},"It’s no wonder that month-end closing has become such a trial for finance teams.",{"type":132,"attrs":249,"content":250},{"level":155},[251],{"text":252,"type":38},"3. The average expense report costs £16.50 to process",{"type":34,"content":254},[255,257,263],{"text":256,"type":38},"This stat comes from the ",{"text":258,"type":38,"marks":259},"Aberdeen Group",[260],{"type":89,"attrs":261},{"href":262,"uuid":41,"anchor":41,"target":41,"linktype":231},"https://www.aberdeen.com/",{"text":264,"type":38},", and has been quoted all over the place. In fact, that number is probably a little out of date by now - the original case study was from back in 2013. The Aberdeen Group released another report in 2015, and the new number was up to US$35.02 (£27.24 in today’s British pound - without inflation).",{"type":34,"content":266},[267],{"text":268,"type":38},"Either way, it should come as a shock to most employers. One of the chief reasons companies stick with expense reports is that they don’t require any technology or special knowledge. You can basically use them “for free.”",{"type":34,"content":270},[271],{"text":272,"type":38},"Except they’re not free after all.",{"type":34,"content":274},[275,277,281],{"text":276,"type":38},"This figure reflects the time cost from tying up valuable team members with this tedious task. Their time is precious, and ",{"text":278,"type":38,"marks":279},"you’re essentially paying them to do something that can be automated",[280],{"type":104},{"text":106,"type":38},{"type":132,"attrs":283,"content":284},{"level":155},[285],{"text":286,"type":38},"4. 57% of companies say lack of visibility is their biggest spend-related concern",{"type":34,"content":288},[289,291,297],{"text":290,"type":38},"This comes from the Aberdeen Group again. (Hats off to them!) And given the prevalence of ",{"text":292,"type":38,"marks":293},"expense reports",[294],{"type":89,"attrs":295},{"href":296,"uuid":41,"anchor":41,"target":41,"linktype":231},"https://www.spendesk.com/en/expense-report-software/",{"text":298,"type":38},", it’s no real surprise.",{"type":34,"content":300},[301,303,307],{"text":302,"type":38},"One of countless issues with this process is that ",{"text":304,"type":38,"marks":305},"finance teams and managers usually don’t know what’s been spent until the end of the month",[306],{"type":104},{"text":308,"type":38}," when claims flood in. At which point it’s too late to make changes or act strategically.",{"type":34,"content":310},[311],{"text":312,"type":38},"And because (as we’ll see) fraud is a real problem, there’s no guarantee that the reports you receive truly reflect the way that teams are spending.",{"type":132,"attrs":314,"content":315},{"level":155},[316],{"text":317,"type":38},"5. Two-thirds of employees haven’t read their company’s expense policy",{"type":34,"content":319},[320,322,327],{"text":321,"type":38},"This statistic is talking specifically ",{"text":323,"type":38,"marks":324},"about UK companies",[325],{"type":326},"underline",{"text":328,"type":38},", and it’s hard to know what the correct response should be. On the one hand, it’s pretty horrifying. Employees are spending company money without truly knowing what’s allowed and what isn’t.",{"type":34,"content":330},[331,338],{"text":332,"type":38,"marks":333},"But on the other hand, ",[334],{"type":335,"attrs":336},"textStyle",{"color":337},"#191B1B",{"text":339,"type":38,"marks":340},"is it really surprising that people don’t read internal policy documents?",[341],{"type":104},{"type":132,"attrs":343,"content":344},{"level":134},[345],{"text":346,"type":38},"Losses from expense report fraud",{"type":34,"content":348},[349,351,357],{"text":350,"type":38},"So far, we’ve looked at the staggering time cost that comes with ",{"text":352,"type":38,"marks":353},"expense claims",[354],{"type":89,"attrs":355},{"href":356,"uuid":41,"anchor":41,"target":41,"linktype":231},"https://www.spendesk.com/glossary/expense-claims/",{"text":358,"type":38},". But they bring a direct financial hit too, through falsification (aka fraud).",{"type":34,"content":360},[361,368],{"text":362,"type":38,"marks":363},"UK Finance reports",[364],{"type":89,"attrs":365},{"href":366,"uuid":41,"anchor":41,"target":367,"linktype":231},"https://www.ukfinance.org.uk/system/files/2023-05/Annual%20Fraud%20Report%202023_0.pdf","_self",{"text":369,"type":38}," the United Kingdom overall lost £1 billion to fraud in 2022. And while obviously not all of this comes from expenses, they’re responsible for more losses than you’d think.",{"type":132,"attrs":371,"content":372},{"level":155},[373],{"text":374,"type":38},"6. 85% of employees admit to lying on expense reports",{"type":34,"content":376},[377,379,385,387,391,396],{"text":378,"type":38},"This comes ",{"text":380,"type":38,"marks":381},"from one study",[382],{"type":89,"attrs":383},{"href":384,"uuid":41,"anchor":41,"target":41,"linktype":231},"https://www.pymnts.com/news/b2b-payments/2015/most-employees-fib-on-expense-reports/",{"text":386,"type":38},", and we have another just below that makes matters worse. According to this one, ",{"text":388,"type":38,"marks":389},"5% of those who do lie fabricate some part of ",[390],{"type":104},{"text":392,"type":38,"marks":393},"every single claim",[394,395],{"type":104},{"type":150},{"text":106,"type":38},{"type":34,"content":398},[399],{"text":400,"type":38},"The article which links to the study (above) refers to this as employees “fibbing” in expense claims. But we’re not so sure that most employers would use the same language.",{"type":34,"content":402},[403,405,411,413,417],{"text":404,"type":38},"To compound matters, a separate study from the ",{"text":406,"type":38,"marks":407},"Global Payroll Association",[408],{"type":89,"attrs":409},{"href":410,"uuid":41,"anchor":41,"target":41,"linktype":231},"https://globalpayrollassociation.com/blogs/regional-focus/how-to-tackle-the-uk-scourge-of-expenses-fraud",{"text":412,"type":38}," (GPA) found that ",{"text":414,"type":38,"marks":415},"10% of employees admit to submitting erroneous claims “all the time,”",[416],{"type":104},{"text":418,"type":38}," while 20% do so “irregularly.”",{"type":34,"content":420},[421],{"text":422,"type":38},"These figures illustrate how little respect most team members have for the expense process. They even suggest that fraud is simply “to be expected.”",{"type":132,"attrs":424,"content":425},{"level":155},[426],{"text":427,"type":38},"7. Expense fraud costs U.S. businesses over $2.8 billion per year",{"type":34,"content":429},[430,432,436],{"text":431,"type":38},"Wow. ",{"text":433,"type":38,"marks":434},"Expense fraud in the United States alone is higher than the GDP of more than 35 countries",[435],{"type":104},{"text":106,"type":38},{"type":34,"content":438},[439],{"text":440,"type":38},"The GPA study (link above) states that the most common fraud includes “exaggerating mileage (27%), buying office supplies and keeping them for personal use (20%), and altering taxi receipts to claim a higher fare (16%). Such activity is estimated to cost UK business around £2 billion a year.”",{"type":34,"content":442},[443],{"text":444,"type":38},"Starting to see a pattern? Expense fraud is a lot more prevalent - and far more costly - than you may previously have realised.",{"type":34,"content":446},[447],{"text":448,"type":38},"And here’s another shocker...",{"type":132,"attrs":450,"content":451},{"level":155},[452],{"text":453,"type":38},"8. Some individuals claim as much as US$25,000 per year in fraud",{"type":34,"content":455},[456,458,464,466,470],{"text":457,"type":38},"Jaw-dropper. This comes from a report by ",{"text":459,"type":38,"marks":460},"Chrome River",[461],{"type":89,"attrs":462},{"href":463,"uuid":41,"anchor":41,"target":41,"linktype":231},"https://www.businesswire.com/news/home/20160329005218/en/Expense-Fraud-Costs-U.S.-Employers-2.8-Billion",{"text":465,"type":38},". As in, ",{"text":467,"type":38,"marks":468},"some survey respondents steal $25,000 per year from their companies",[469],{"type":104},{"text":106,"type":38},{"type":34,"content":472},[473],{"text":474,"type":38},"The report also shows that while most employees submit honestly, those who do submit fraudulent claims request reimbursement for, on average, $2,448 in false expenses.",{"type":34,"content":476},[477,481,483,487],{"text":478,"type":38,"marks":479},"The sheer extent and volume of expense report fraud is astounding",[480],{"type":104},{"text":482,"type":38},". And as if that wasn’t enough, we have even ",{"text":484,"type":38,"marks":485},"more",[486],{"type":150},{"text":488,"type":38}," statistics to share.",{"type":34,"content":490},[491],{"type":123,"attrs":492},{"id":125,"body":493},[494],{"_uid":495,"html":496,"component":130},"7f82bc55-12c8-4cb0-bf7a-23e4b8552bf3","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-bbb3e38a-34db-411f-85fa-fbf106a4499a\">\u003Cspan class=\"hs-cta-node hs-cta-bbb3e38a-34db-411f-85fa-fbf106a4499a\" id=\"hs-cta-bbb3e38a-34db-411f-85fa-fbf106a4499a\">\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/bbb3e38a-34db-411f-85fa-fbf106a4499a\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-bbb3e38a-34db-411f-85fa-fbf106a4499a\" style=\"border-width:0px;\" height=\"267\" width=\"750\" src=\"https://no-cache.hubspot.com/cta/default/2694209/bbb3e38a-34db-411f-85fa-fbf106a4499a.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, 'bbb3e38a-34db-411f-85fa-fbf106a4499a', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":132,"attrs":498,"content":499},{"level":134},[500],{"text":501,"type":38},"How employees lose with expense reports",{"type":34,"content":503},[504,506,516],{"text":505,"type":38},"It’s not only the company bottom line that can fall victim to ",{"text":292,"type":38,"marks":507},[508],{"type":89,"attrs":509},{"href":510,"uuid":511,"anchor":41,"target":41,"linktype":93,"story":512},"expense-automation","079ff6df-3317-4964-a599-6cecb4f58707",{"name":513,"id":514,"uuid":511,"slug":510,"url":515,"full_slug":515,"_stopResolving":56},"Expense automation: How to automate expense reports and approvals",208735305,"blog/expense-automation",{"text":517,"type":38},". This common business process actually takes a heavier toll on their team members than most executives realise.",{"type":34,"content":519},[520,522,526],{"text":521,"type":38},"And while expenses certainly count as “boring stuff I don’t want to do,” there’s actually ",{"text":523,"type":38,"marks":524},"a real finance burden placed on the average employee",[525],{"type":104},{"text":106,"type":38},{"type":34,"content":528},[529,531,535],{"text":530,"type":38},"What happens when a team member forgets or is unable to recoup expenses? In essence, those ",{"text":532,"type":38,"marks":533},"company costs",[534],{"type":150},{"text":536,"type":38}," come directly out the employee’s payslip.",{"type":34,"content":538},[539,541,547],{"text":540,"type":38},"To celebrate the launch of the first corporate credit card more than 50 years ago, ",{"text":542,"type":38,"marks":543},"Barclaycard conducted a study",[544],{"type":89,"attrs":545},{"href":546,"uuid":41,"anchor":41,"target":41,"linktype":231},"https://buyingbusinesstravel.com/news/1729218-uk-workers-miss-out-%C2%A3962m-unclaimed-expenses/",{"text":548,"type":38}," on business expenses. And the results were, frankly, disturbing:",{"type":132,"attrs":550,"content":551},{"level":155},[552],{"text":553,"type":38},"9. 48% of employees still use their own money to cover business costs without reimbursement",{"type":34,"content":555},[556],{"text":557,"type":38},"Which, as we hope goes without saying, is completely unfair.",{"type":132,"attrs":559,"content":560},{"level":155},[561],{"text":562,"type":38},"11. UK employees are missing out on £962 million in company expenses",{"type":34,"content":564},[565],{"text":566,"type":38},"This is largely thanks to lost receipts and unclaimed costs.",{"type":132,"attrs":568,"content":569},{"level":155},[570],{"text":571,"type":38},"12. 60% of study respondents said they had failed to claim expenses in the past",{"type":34,"content":573},[574],{"text":575,"type":38},"Whether this is their own fault or not isn’t actually relevant. These are company costs being borne by individual employees.",{"type":132,"attrs":577,"content":578},{"level":155},[579],{"text":580,"type":38},"13. The average value of unclaimed expenses was £123 per person, according to the study",{"type":34,"content":582},[583],{"text":584,"type":38},"Some business owners might argue that this is down to the employees themselves. After all, the top reasons given included lost receipts or because the amount in question was “too low to be worth the hassle.”",{"type":34,"content":586},[587,589,593],{"text":588,"type":38},"But it highlights a larger, more troubling issue: ",{"text":590,"type":38,"marks":591},"companies routinely require employees to go through tedious processes just to break even",[592],{"type":104},{"text":106,"type":38},{"type":34,"content":595},[596],{"text":597,"type":38},"And if you’re a business owner, CFO, or member of an HR team, here’s the part that should get your attention:",{"type":34,"content":599},[600],{"text":601,"type":38},"“37% of Barclaycard respondents experienced cash flow problems and one in ten had missed a payment on a personal credit card while waiting for their company to pay them back.”",{"type":34,"content":603},[604],{"text":605,"type":38},"In other words, employees’ personal credit is at risk because of company travel and other expenses.",{"type":34,"content":607},[608,610,617],{"text":609,"type":38},"Another study backs up Barclaycard’s. ",{"text":611,"type":38,"marks":612},"2,000 British workers were polled",[613],{"type":89,"attrs":614},{"href":615,"uuid":41,"anchor":41,"target":616,"linktype":231},"http://www.allstar-out-of-pocket.iprospecthosting.com/","_blank",{"text":618,"type":38}," on the same subject, leading to several shocking revelations:",{"type":132,"attrs":620,"content":621},{"level":155},[622],{"text":623,"type":38},"14. A quarter of workers have postponed or cancelled meetings because they couldn’t cover the costs themselves",{"type":34,"content":625},[626],{"text":627,"type":38},"Which is a problem. If they’re cancelling meetings for personal financial reasons, it reflects poorly on the company overall.",{"type":132,"attrs":629,"content":630},{"level":155},[631,633,639],{"text":632,"type":38},"15. A third of workers feel “",{"text":634,"type":38,"marks":635},"financially unstable",[636],{"type":89,"attrs":637},{"href":638,"uuid":41,"anchor":41,"target":41,"linktype":231},"https://qz.com/work/1232376/employees-get-screwed-by-expense-reports-but-women-much-more-than-men/",{"text":640,"type":38},"” because they had to deal with large or unexpected expenses",{"type":34,"content":642},[643],{"text":644,"type":38},"Company costs should never infringe on an employee’s financial freedom. And yet, for more than 30% of workers, that’s exactly the position they’re in.",{"type":132,"attrs":646,"content":647},{"level":155},[648],{"text":649,"type":38},"16. Expense reports are worse for women",{"type":34,"content":651},[652,654,659,661,672],{"text":653,"type":38},"Another troubling statistic comes from ",{"text":655,"type":38,"marks":656},"this study",[657],{"type":89,"attrs":658},{"href":638,"uuid":41,"anchor":41,"target":41,"linktype":231},{"text":660,"type":38},". 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But whatever the cause, the fact is that ",{"text":292,"type":38,"marks":737},[738,741],{"type":89,"attrs":739},{"href":740,"uuid":41,"anchor":41,"target":367,"linktype":231},"https://www.spendesk.com/templates/blank-expense-report/",{"type":104},{"text":743,"type":38,"marks":744}," simply aren’t the same for everyone",[745],{"type":104},{"text":747,"type":38},". Your employees don’t make claims in the same way, and this is hitting some of them harder than others.",{"type":34,"content":749},[750],{"text":751,"type":38},"And it’s not only the gender divide that should worry you...",{"type":132,"attrs":753,"content":754},{"level":155},[755],{"text":756,"type":38},"17. Younger people are more negatively affected by expenses",{"type":34,"content":758},[759],{"text":760,"type":38},"We saw above that many employees feel a serious economic burden thanks to expense claims. And for younger employees, this burden can feel even heavier.",{"type":34,"content":762},[763],{"text":764,"type":38},"Junior employees usually earn less and often have shallower savings to rely on. Which makes the prospect of waiting until payday to recoup their costs truly daunting.",{"type":34,"content":766},[767],{"text":768,"type":38},"Again, from the qz.com article:",{"type":34,"content":770},[771],{"text":772,"type":38},"“In the UK survey, a third of respondents under the age of 35 said they repeatedly postponed or canceled meetings because they couldn’t afford the expense. 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And the biggest reason is simply that they don’t have anything better.",{"type":34,"content":797},[798],{"text":799,"type":38},"Corporate credit cards were introduced as replacement for expense claims. But not every employee can have one - they’re too expensive and it’s too risky.",{"type":34,"content":801},[802],{"text":803,"type":38},"So companies leave their (non cardholding) employees with no option but to pay with their own money and wait for reimbursement.",{"type":132,"attrs":805,"content":806},{"level":155},[807],{"text":808,"type":38},"\"It’s not my problem\"",{"type":34,"content":810},[811],{"text":812,"type":38},"Sadly, some executives also see it as a good thing to place the burden on employees. If team members have to spend their own money, they’ll be more careful with company funds.",{"type":34,"content":814},[815],{"text":816,"type":38},"But this assumes that:",{"type":818,"attrs":819,"content":822},"ordered_list",{"order":820,"key":821},1,"ol-0",[823,835],{"type":191,"content":824},[825],{"type":34,"content":826},[827,829,833],{"text":828,"type":38},"It’s better ",{"text":830,"type":38,"marks":831},"not",[832],{"type":150},{"text":834,"type":38}," to spend money in business; and",{"type":191,"content":836},[837],{"type":34,"content":838},[839],{"text":840,"type":38},"Employees would otherwise make all kinds of purchases they shouldn’t.",{"type":34,"content":842},[843],{"text":844,"type":38},"As we’ve seen, employees regularly cancel client meetings due to the cost involved. They make frugal decisions which mean they’re not maximising their potential and getting the most for the company. 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This article will guide you through the decision-making process and provide a free downloadable checklist to help you narrow down your choices for spend management software.",[2770],{"_uid":2771,"items":2772,"heading":2816,"reverse":26,"component":1012,"sectionSettings":2833},"61ee362d-742f-4b79-a826-b88634de3a9d",[2773,2781,2789,2798,2807],{"_uid":2774,"title":2576,"component":960,"description":2775},"87b194c8-793d-48ef-8b72-3c0b7972a3d5",{"type":31,"content":2776},[2777],{"type":34,"content":2778},[2779],{"text":2780,"type":38},"Spend management is the end-to-end control of company spending, and Spendesk centralizes that process by issuing physical and virtual cards, automating approvals and expense reports, and reconciling receipts with accounting exports. 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Spendesk reduces out-of-pocket spending and accelerates month-end close with real-time spend controls.",{"_uid":2790,"title":2791,"component":960,"description":2792},"38a08586-88c5-444c-bbff-d5fc49e298d8","How does Spendesk handle approvals and controls?",{"type":31,"content":2793},[2794],{"type":34,"content":2795},[2796],{"text":2797,"type":38},"Spendesk enforces approvals and controls through configurable approval workflows, pre-approved budgets, and per-card spending limits. Managers receive mobile or in-platform approval requests, while finance applies automated rules and real-time alerts to flag exceptions. 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