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Es gilt also leider: Nach dem Monatsabschluss ist vor dem Monatsabschluss. Und dabei ist der Monatsabschluss weder spannend noch wertschöpfend.",{"type":61,"content":182},[183],{"text":184,"type":52},"Die Zeit, die das Finanzteam damit verbringt, Belege einzusammeln und offene Posten periodengerecht abzugrenzen, fehlt an anderer Stelle: zum Beispiel bei der Beratung der Geschäftsleitung, der Weiterentwicklung der unternehmensinternen Finanzpolitik, der Evaluierung neuer und besserer Tools, etc.",{"type":61,"content":186},[187,197],{"text":188,"type":52,"marks":189},"Je weniger Zeit in den Monatsabschluss fließt",[190],{"type":191,"attrs":192},"link",{"href":193,"uuid":194,"anchor":17,"target":195,"linktype":196},"/de/blog/monatsabschlusse","11114e89-de27-4c85-9231-789404324176","_self","story",{"text":198,"type":52},", desto besser. 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Dazu gehört auch der Check, ob Ihre Kund:innen offene Rechnungen entsprechend dem Zahlungsziel beglichen und die korrekten Beträge überwiesen haben.",{"type":61,"content":474},[475],{"text":476,"type":52},"Zur Übersicht sollte jede Transaktion protokolliert werden.",{"type":46,"attrs":478,"content":479},{"level":266},[480],{"text":481,"type":52},"Schritt 2: Kreditorenbuchhaltung (Verbindlichkeiten aus Lieferungen und Leistungen)",{"type":61,"content":483},[484],{"text":485,"type":52},"Je nachdem, wie diszipliniert Sie über den Monat hinweg Belege einsammeln, kann dieser Schritt entweder ein Kinderspiel oder der zeitaufwändigste der Liste sein. Ordnen Sie für die Kreditorenbuchhaltung alle ausgehenden Zahlungen dem entsprechenden Ausgabenbeleg bzw. der entsprechenden Rechnung zu.",{"type":61,"content":487},[488,490,497],{"text":489,"type":52},"Wichtig dabei: Überprüfen Sie auch, ob alle ausstehenden Verbindlichkeiten beglichen wurden. Am besten kommunizieren Sie gegenüber den Mitarbeitenden in Ihrem Unternehmen einen Stichtag, bis zu dem Freelancer-Rechnungen, ",{"text":491,"type":52,"marks":492},"Spesenabrechnungen",[493],{"type":191,"attrs":494},{"href":495,"uuid":496,"anchor":17,"target":195,"linktype":196},"/de/blog/spesenabrechnung-automatisch","9ef1fd2a-5d8a-4d5b-a362-b36b597b4a56",{"text":498,"type":52}," und andere Belege eingereicht werden müssen, um im monatlichen Zahlungsturnus begleichen werden zu können.",{"type":46,"attrs":500,"content":501},{"level":266},[502],{"text":503,"type":52},"Schritt 3: Kontenabstimmung",{"type":61,"content":505},[506],{"text":507,"type":52},"Bei diesem Schritt des Monatsabschlusses wird jede Transaktion mit der der entsprechenden Kontobewegung abgeglichen und überprüft. Am Ende müssen die Buchungen dem Saldo auf dem entsprechenden Buchhaltungskonto entsprechen. Oft steckt der Teufel bei Diskrepanzen im Detail: doppelte Buchungen, Buchungen auf dem falschen Buchhaltungskonto oder mehrere kleine Fehlbuchungen, die sich aufsummieren.",{"type":61,"content":509},[510],{"text":511,"type":52},"Zu diesem Schritt gehört auch die Abstimmung der Kassenbestände (also der Abgleich von Kassenkonto in der Buchhaltung mit dem Bargeldbestand in der Kasse), die Abstimmung der Sozialversicherungskonten und der Mehrwertsteuer-Konten.",{"type":46,"attrs":513,"content":514},{"level":266},[515],{"text":516,"type":52},"Schritt 4: Überprüfung der Aktiva und Passiva",{"type":61,"content":518},[519],{"text":520,"type":52},"Ermitteln und dokumentieren Sie nun Ihr gesamtes derzeitiges Anlagevermögen und Ihre liquiden Mittel und notieren Sie, ob es neue Anschaffungen oder Transaktionen im Zusammenhang mit diesen Vermögenswerten gegeben hat. Dokumentieren Sie alle Kredite, die für das Unternehmen aufgenommen wurden, und deren Rückzahlungsverlauf.",{"type":46,"attrs":522,"content":523},{"level":266},[524],{"text":525,"type":52},"Schritt 5: Berichterstellung",{"type":61,"content":527},[528,533,538,543,548,553,558],{"text":529,"type":52,"marks":530},"Jetzt wird es Zeit, die monatlichen Abschlussberichte zu erstellen, z. B. die ",[531],{"type":323,"attrs":532},{"color":325},{"text":534,"type":52,"marks":535},"Monatsbilanz",[536],{"type":323,"attrs":537},{"color":18},{"text":539,"type":52,"marks":540},", die Gewinn- und Verlustrechnung (",[541],{"type":323,"attrs":542},{"color":325},{"text":544,"type":52,"marks":545},"GUV",[546],{"type":323,"attrs":547},{"color":18},{"text":549,"type":52,"marks":550},") und die ",[551],{"type":323,"attrs":552},{"color":325},{"text":554,"type":52,"marks":555},"Einnahmen-Überschuss-Rechnung",[556],{"type":323,"attrs":557},{"color":18},{"text":559,"type":52},". Dabei müssen Forderungen und Verbindlichkeiten auf einen Nettowert von Null als Kontostand kommen. Ansonsten ist in den Schritten zuvor etwas schief gelaufen.",{"type":61,"content":561},[562],{"text":563,"type":52},"Die hier erstellten Finanzberichte sind eine unglaublich wichtige Entscheidungsgrundlage für das Unternehmen. Daher gehört es oft zu den Aufgaben des Finanzteams, die Daten nicht nur zu ermitteln, sondern auch so aufzubereiten und zu visualisieren, dass vielbeschäftigte CEOs sich in wenigen Minuten einen Überblick verschaffen kann.",{"type":46,"attrs":565,"content":566},{"level":210},[567],{"text":568,"type":52},"Ihre Monatsabschluss-Checkliste für Excel und Google Sheets",{"type":61,"content":570},[571,573,578,583,584],{"text":572,"type":52},"Mit unserer Monatsabschluss-Checkliste für Excel und Google Sheets können Sie Ihren Monatsabschluss strukturiert angehen ",{"text":574,"type":52,"marks":575},"— mit Schritt für Schritt automatisierten, ",[576],{"type":323,"attrs":577},{"color":325},{"text":579,"type":52,"marks":580},"standardisierten Prozessen.",[581],{"type":323,"attrs":582},{"color":18},{"text":256,"type":52},{"text":585,"type":52,"marks":586},"⬇️",[587],{"type":261},{"type":200,"attrs":589},{"id":202,"body":590},[591],{"_uid":592,"html":206,"component":207},"i-c0a3a11d-5a3d-4a10-bac4-9a1990cfc0e5",{"type":46,"attrs":594,"content":595},{"level":210},[596],{"text":597,"type":52},"Die Vorbereitung von Monatsabschlüssen",{"type":61,"content":599},[600],{"text":601,"type":52},"Mit Monatsabschlüssen ist es wie beim Wohnungsputz. Wer nach dem Kochen die Oberflächen abwischt und nach dem Duschen die Glasflächen abzieht, hat beim wöchentlichen Reinemachen viel weniger Arbeit. Genauso profitieren Finanzteams, die im Alltag Belege direkt digitalisieren und sorgfältig zuordnen von weniger Stress beim Monatsabschluss.",{"type":61,"content":603},[604],{"text":605,"type":52},"Ein Knackpunkt bei der Vorbereitung von Monatsabschlüssen sind Belege. Diesen hinterherzulaufen kostet Zeit und Nerven. Und wenn Kreditkartenzahlungen sich nicht richtig zuordnen und Genehmigungen sich nicht nachvollziehen lassen können, wird der Monatsabschluss schnell zum Albtraum.",{"type":61,"content":607},[608,610,615,620,625,629],{"text":609,"type":52},"Genau hier setzen Softwarelösungen zum Ausgabenmanagement an. I",{"text":611,"type":52,"marks":612},"n Kombination mit einer gängigen ",[613],{"type":323,"attrs":614},{"color":325},{"text":616,"type":52,"marks":617},"Buchhaltungssoftware",[618],{"type":323,"attrs":619},{"color":18},{"text":621,"type":52,"marks":622}," wie ",[623],{"type":323,"attrs":624},{"color":325},{"text":311,"type":52,"marks":626},[627],{"type":323,"attrs":628},{"color":18},{"text":630,"type":52,"marks":631}," ist diese Gold wert!",[632],{"type":323,"attrs":633},{"color":325},{"type":46,"attrs":635,"content":636},{"level":210},[637],{"text":638,"type":52},"Ausgabenmanagement automatisieren für einen einfacheren Monatsabschluss",{"type":61,"content":640},[641,646,651,656,661,666],{"text":642,"type":52,"marks":643},"Wie wäre es, wenn Sie die Verantwortung für die ",[644],{"type":323,"attrs":645},{"color":325},{"text":647,"type":52,"marks":648},"Belegerfassung",[649],{"type":323,"attrs":650},{"color":18},{"text":652,"type":52,"marks":653}," auf Ihre Mitarbeitenden übertragen könnten, anstatt die ",[654],{"type":323,"attrs":655},{"color":325},{"text":657,"type":52,"marks":658},"Finanzabteilung",[659],{"type":323,"attrs":660},{"color":18},{"text":662,"type":52,"marks":663}," damit zu belasten?",[664],{"type":323,"attrs":665},{"color":325},{"text":667,"type":52}," Je einfacher Mitarbeitende ihre Belege von überall erfassen können, desto seltener gehen diese verloren. Und wenn einmal vergessen wird, den Beleg zu einer Zahlung hochzuladen, wird die betreffende Person automatisch erinnert.",{"type":61,"content":669},[670,672,678],{"text":671,"type":52},"Automatisierter Zahlungsabgleich, Debitkarten für Mitarbeitende, Echtzeitdaten und nachvollziehbare Genehmigungen – all das lässt sich mit der ",{"text":673,"type":52,"marks":674},"Ausgabenmanagement-Software von Spendesk",[675],{"type":191,"attrs":676},{"href":677,"uuid":17,"anchor":17,"target":17,"linktype":120},"https://www.spendesk.com/de/why-spendesk/",{"text":679,"type":52}," realisieren. Laut unserer Kund:innen geht der Monatsabschluss damit ganze vier Tage schneller.",{"type":61,"content":681},[682,687,692,697],{"text":683,"type":52,"marks":684},"Klar, die ",[685],{"type":323,"attrs":686},{"color":325},{"text":688,"type":52,"marks":689},"Erstellung des Monatsabschlusses",[690],{"type":323,"attrs":691},{"color":18},{"text":693,"type":52,"marks":694}," ist Sisyphusarbeit und ganz ohne manuellen Aufwand werden sie sich nicht abwickeln lassen.",[695],{"type":323,"attrs":696},{"color":325},{"text":698,"type":52}," Wer aber die Belegerfassung in den Griff bekommt, hat die Schlacht schon halb gewonnen.",{"type":46,"attrs":700,"content":701},{"level":210},[702],{"text":703,"type":52},"Zusammenfassung: Monatsabschlüsse müssen keine Zeitfresser sein",{"type":61,"content":705},[706,711,716,721,726,731],{"text":707,"type":52,"marks":708},"Monats-, ",[709],{"type":323,"attrs":710},{"color":325},{"text":712,"type":52,"marks":713},"Quartals",[714],{"type":323,"attrs":715},{"color":18},{"text":717,"type":52,"marks":718},"-, ",[719],{"type":323,"attrs":720},{"color":325},{"text":722,"type":52,"marks":723},"Halbjahresabschlüsse",[724],{"type":323,"attrs":725},{"color":18},{"text":727,"type":52,"marks":728}," oder Jahresabschlüsse",[729],{"type":323,"attrs":730},{"color":325},{"text":732,"type":52}," gelten als lästige Pflichtaufgaben, die Finanzteams möglichst lange vor sich herschieben. Doch moderne Lösungen wie Spendesk können die manuelle Dateneingabe, das Einsammeln von Belegen und Rechnungen und den Zahlungsabgleich enorm vereinfachen.",{"type":61,"content":734},[735],{"text":736,"type":52},"Mit der gesparten Zeit lassen sich strategische Aufgaben angehen, die Ihr Unternehmen wirklich weiterbringen.",{"name":738,"created_at":739,"published_at":6,"updated_at":740,"id":741,"uuid":742,"content":743,"slug":750,"full_slug":751,"sort_by_date":17,"position":752,"tag_list":753,"is_startpage":14,"parent_id":754,"meta_data":17,"group_id":755,"first_published_at":756,"release_id":17,"lang":142,"path":17,"alternates":757,"default_full_slug":758,"translated_slugs":759,"_stopResolving":151},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":744,"icon":745,"name":738,"component":749},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":746,"alt":747,"name":18,"focus":18,"title":18,"filename":748,"copyright":18,"fieldtype":19,"is_external_url":14},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","de/blog/category/article",0,[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[760,761,762],{"path":758,"name":17,"lang":147,"published":17},{"path":758,"name":17,"lang":142,"published":17},{"path":758,"name":17,"lang":150,"published":17},[142],[765],{"_uid":766,"asset":767,"shadow":14,"caption":18,"overlay":771,"component":772},"da01f8c9-e212-40e8-b745-1b75201a41f2",{"id":768,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":769,"copyright":18,"fieldtype":19,"meta_data":770,"is_external_url":14},20106131,"https://a.storyblok.com/f/146026/3060x2040/891a8a51aa/monatsabschluss_new.png",{},[],"image",[],"2023-08-14 00:00","5",[],[778],{"_uid":779,"items":780,"heading":818,"reverse":14,"component":836,"sectionSettings":837},"c49aa080-c3fc-4774-b6c0-87e3d6baf588",[781,791,800,809],{"_uid":782,"title":783,"component":784,"description":785},"ced07340-2356-42cf-b3a5-b13b4997b728","Wie erstelle ich eine effektive Monatsabschluss-Checkliste für mein Finanzteam?","faqItem",{"type":43,"content":786},[787],{"type":61,"content":788},[789],{"text":790,"type":52},"Spendesk unterstützt Finanzteams bei der Erstellung einer effektiven Monatsabschluss-Checkliste, indem Spendesk Ausgaben automatisch kategorisiert, Rechnungen per OCR erfasst und Buchhaltungsexporte (z. 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Nutze Spendesk Genehmigungsworkflows, virtuelle Karten und Reporting-Dashboards, um offene Belege, Abgrenzungen und Kontoabstimmungen systematisch zu prüfen und abschließende Buchungsdateien zu erzeugen.",{"_uid":792,"title":793,"component":784,"description":794},"76ee1349-af71-460f-8949-19920474f54c","Welche Schritte gehören in eine Monatsabschluss-Checkliste?",{"type":43,"content":795},[796],{"type":61,"content":797},[798],{"text":799,"type":52},"Spendesk empfiehlt die folgenden Schritte für den Monatsabschluss: Kartenabrechnungen über virtuelle und physische Karten abstimmen, fehlende Belege per Spendesk-Beleg-Upload sammeln, Rechnungen und Zahlungen mit automatischer Zuordnung abgleichen, notwendige Rückstellungen buchen und Buchhaltungsdateien via Spendesk-Export in DATEV oder andere ERP-Systeme übertragen.",{"_uid":801,"title":802,"component":784,"description":803},"8d318fc8-6835-4a34-8e93-837e3e7fcfdb","Wie beschleunigt Spendesk den Monatsabschluss?",{"type":43,"content":804},[805],{"type":61,"content":806},[807],{"text":808,"type":52},"Spendesk beschleunigt den Monatsabschluss durch automatische Belegerfassung per OCR, Ausgabenautomatisierung und Abgleich sowie integrierte Genehmigungsworkflows, die manuelle Prüfungen reduzieren. Mit Spendesk Reporting-Dashboards und direkten Buchhaltungsexporten verkürzt sich die Abstimmungszeit deutlich, sodass Finanzteams schneller Abschlüsse erstellen und weniger Zeit mit manuellen Buchungen und Nachfragen verbringen.",{"_uid":810,"title":811,"component":784,"description":812},"2f1ef460-7608-478e-9614-64a695b3c9bc","Welche Berichte aus Spendesk brauche ich für den Monatsabschluss?",{"type":43,"content":813},[814],{"type":61,"content":815},[816],{"text":817,"type":52},"Spendesk stellt folgende Berichte bereit: Ausgabenübersichten nach Kategorie und Team, Kartenumsätze, offene Rechnungen, Budget‑gegen‑Ist-Reports, Beleg‑Status und Genehmigungstracking. 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Mit über fünf Jahren Erfahrung in der deutschen Tech-Branche – insbesondere in den Bereichen FinTech, InsurTech und E-Commerce – beleuchtet sie aktuelle Entwicklungen und Trends, die Unternehmen jeder Größe dabei helfen, effizienter zu arbeiten.","isabelle-beyer","de/blog/author/isabelle-beyer",-1020,[],"222c1a40-93c3-4aac-9607-a206b5d130b6","2022-11-02T15:25:39.435Z",[],"blog/author/isabelle-beyer",[898,899,900],{"path":896,"name":17,"lang":147,"published":17},{"path":896,"name":17,"lang":142,"published":17},{"path":896,"name":17,"lang":150,"published":17},[902],{"name":903,"created_at":904,"published_at":6,"updated_at":905,"id":906,"uuid":907,"content":908,"slug":912,"full_slug":913,"sort_by_date":17,"position":914,"tag_list":915,"is_startpage":14,"parent_id":166,"meta_data":17,"group_id":916,"first_published_at":917,"release_id":17,"lang":142,"path":17,"alternates":918,"default_full_slug":919,"translated_slugs":920,"_stopResolving":151},"KI & Automatisierung","2025-10-30T10:16:25.586Z","2026-03-12T10:48:07.964Z",107027601800384,"dc5fd2be-ebd4-4eb1-93c4-f79ba25dad3b",{"_uid":909,"icon":910,"name":903,"component":161},"a98c3fba-2d85-46ff-9209-e9fe4477b88e",{"id":17,"alt":17,"name":18,"focus":17,"title":17,"source":17,"filename":18,"copyright":17,"fieldtype":19,"meta_data":911},{},"ki-automatisierung","de/blog/topic/ki-automatisierung",-580,[],"d527e4b6-2234-47af-b12b-cb758cf2f9eb","2025-10-30T10:16:59.284Z",[],"blog/topic/ki-automatisierung",[921,922,923],{"path":919,"name":17,"lang":147,"published":17},{"path":919,"name":17,"lang":142,"published":17},{"path":919,"name":17,"lang":150,"published":17},{"type":43,"content":925},[926,931,943,950,955,978,983,988,994,999,1008,1013,1018,1023,1034,1039,1044,1049,1054,1059,1064,1069,1074,1083,1102,1109,1135,1140,1153,1158,1163,1168,1173,1184,1189,1194,1199,1208,1217,1239,1305,1313,1318,1323,1328,1333,1338,1354,1359,1364,1369,1374,1379,1390,1400,1408,1417,1422,1432,1440,1449,1457,1462,1478,1489,1511],{"type":61,"attrs":927,"content":928},{"textAlign":17},[929],{"text":930,"type":52},"Künstliche Intelligenz (KI) im Finanzwesen ist längst keine Zukunftsvision mehr, sondern ein zentraler Treiber des Wandels. Unternehmen weltweit integrieren KI-Technologien in ihre Prozesse und revolutionieren damit ihre Abläufe, die Entscheidungsfindung und den Kundenservice im Finanzsektor. ",{"type":61,"attrs":932,"content":934},{"textAlign":933},"left",[935,937,941],{"text":936,"type":52},"Doch zwischen Begeisterung und Umsetzung klafft eine deutliche Lücke: ",{"text":938,"type":52,"marks":939},"Während 85 % der CFOs von der Effizienzsteigerung durch KI überzeugt sind, haben 61 % der Finanzteams sie noch nicht in ihre Arbeitsweise integriert.",[940],{"type":261},{"text":942,"type":52}," Diese Diskrepanz zeigt sowohl die Herausforderungen als auch die Chancen auf, die sich Finanzverantwortlichen im Jahr 2025 bieten.",{"type":200,"attrs":944},{"id":945,"body":946},"9c5ecc3c-9730-4ff6-8f3d-10f6e5ada6f1",[947],{"_uid":948,"html":949,"component":207},"i-d76685fc-8f96-4f0b-acac-6cabf70d7a93","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-567e2842-6409-4c16-939e-a2cbf22200e4\">\u003Cspan class=\"hs-cta-node hs-cta-567e2842-6409-4c16-939e-a2cbf22200e4\" id=\"hs-cta-567e2842-6409-4c16-939e-a2cbf22200e4\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/567e2842-6409-4c16-939e-a2cbf22200e4\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-567e2842-6409-4c16-939e-a2cbf22200e4\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/567e2842-6409-4c16-939e-a2cbf22200e4.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, '567e2842-6409-4c16-939e-a2cbf22200e4', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":46,"attrs":951,"content":952},{"level":210,"textAlign":17},[953],{"text":954,"type":52},"Die Rolle der KI im Finanzwesen",{"type":61,"attrs":956,"content":957},{"textAlign":17},[958,964,966,971,973],{"text":959,"type":52,"marks":960},"Die Entwicklung der KI im Finanzwesen ist bemerkenswert. Von den ersten regelbasierten Systemen der 1980er-Jahre bis hin zu den hochentwickelten Algorithmen des ",[961],{"type":323,"attrs":962},{"color":963},"#191B23",{"text":965,"type":52},"maschinellen Lernens",{"text":967,"type":52,"marks":968}," von heute ist sie aus der Finanzbranche nicht mehr wegzudenken. Fortschritte in Bereichen wie ",[969],{"type":323,"attrs":970},{"color":963},{"text":972,"type":52},"Deep Learning",{"text":974,"type":52,"marks":975},", generativer KI, Quantencomputing und federiertem Lernen treiben diese Entwicklung weiter voran und machen KI im Jahr 2025 zu einem unverzichtbaren Instrument der Finanzinnovation.",[976],{"type":323,"attrs":977},{"color":963},{"type":46,"attrs":979,"content":980},{"level":266,"textAlign":17},[981],{"text":982,"type":52},"Sechs Wege, wie KI die Finanzwelt verändert",{"type":61,"attrs":984,"content":985},{"textAlign":17},[986],{"text":987,"type":52},"Führende Finanzunternehmen nutzen KI, um Prozesse zu optimieren und Risiken zu minimieren. Hier sind sechs zentrale Bereiche, in denen der Einsatz von Finance-KI im Jahr 2025 eine entscheidende Rolle spielt:",{"type":46,"attrs":989,"content":991},{"level":990,"textAlign":17},4,[992],{"text":993,"type":52},"1. Echtzeit-Betrugserkennung und Sicherheit",{"type":61,"attrs":995,"content":996},{"textAlign":17},[997],{"text":998,"type":52},"Künstliche Intelligenz dient heute als zunehmend ausgeklügelter Schutzmechanismus für Finanztransaktionen. Sie analysiert in Sekundenschnelle Milliarden von Datenpunkten, um verdächtige Muster zu identifizieren. Große Zahlungsdienstleister setzen auf multimodale KI-gestützte Systeme, die Transaktionsdaten, Nutzerverhalten und kontextbezogene Informationen gleichzeitig auswerten. Dadurch wird eine beispiellose Sicherheit im großen Maßstab gewährleistet – bei gleichzeitiger Reduzierung von Fehlalarmen, die in der Vergangenheit oft legitime Kunden frustrierten.",{"type":61,"attrs":1000,"content":1001},{"textAlign":17},[1002,1004],{"text":1003,"type":52},"Für Unternehmen, die sich mit Identitätsprüfung und Betrugsprävention befassen, ist KI eine wahre Revolution. Während menschliche Compliance-Teams nur 10-20 % der neuen Kundendaten manuell überprüfen können, analysieren KI-Systeme 100 % der Dateien nahezu augenblicklich. ",{"text":1005,"type":52,"marks":1006},"Das erhöht die Sicherheit erheblich und reduziert gleichzeitig die Arbeitsbelastung.",[1007],{"type":261},{"type":46,"attrs":1009,"content":1010},{"level":990,"textAlign":17},[1011],{"text":1012,"type":52},"2. Intelligente Kreditbewertung",{"type":61,"attrs":1014,"content":1015},{"textAlign":17},[1016],{"text":1017,"type":52},"Moderne KI-Modelle gehen weit über traditionelle Kreditscoring-Methoden hinaus. Sie berücksichtigen eine Vielzahl von Datenquellen – von Zahlungshistorien bis hin zu Kommunikationsmustern – und ermöglichen damit eine präzisere und fairere Einschätzung der Kreditwürdigkeit.",{"type":46,"attrs":1019,"content":1020},{"level":990,"textAlign":17},[1021],{"text":1022,"type":52},"3. Prädiktives Risikomanagement",{"type":61,"attrs":1024,"content":1025},{"textAlign":17},[1026,1028,1032],{"text":1027,"type":52},"Finanzinstitute setzen heute fortschrittliche KI Finance-Lösungen ein, um Risiken schneller und genauer vorherzusagen und zu minimieren. Durch die Verarbeitung riesiger Mengen an Marktdaten, alternativen Datenquellen, Kundenverhalten und wirtschaftlichen Indikatoren",{"text":1029,"type":52,"marks":1030}," ermöglicht KI fundiertere Entscheidungen zu treffen, z.B. über Investitionsportfolios und Risikopositionen",[1031],{"type":261},{"text":1033,"type":52},".",{"type":61,"attrs":1035,"content":1036},{"textAlign":17},[1037],{"text":1038,"type":52},"Im Jahr 2025 ist auch die Integration von Klimarisikomodellen in die Finanzanalyse zur gängigen Praxis geworden, um klimabedingte finanzielle Risiken besser zu bewerten und zu steuern.",{"type":46,"attrs":1040,"content":1041},{"level":990,"textAlign":17},[1042],{"text":1043,"type":52},"4. Personalisierte Kundenerlebnisse",{"type":61,"attrs":1045,"content":1046},{"textAlign":17},[1047],{"text":1048,"type":52},"KI-gestützte Plattformen haben das Kundenerlebnis im Finanzwesen revolutioniert. Über einfache Chatbots hinaus setzen Finanzinstitute heute hochentwickelte virtuelle Berater ein, die individuelle Finanzberatung basierend auf persönlichen Umständen, Zielen und Risikoprofilen bieten.",{"type":61,"attrs":1050,"content":1051},{"textAlign":17},[1052],{"text":1053,"type":52},"Diese Systeme lernen kontinuierlich aus Interaktionen, wodurch sie immer besser darin werden, Kundenbedürfnisse vorherzusehen und relevante Lösungen bereitzustellen.",{"type":46,"attrs":1055,"content":1056},{"level":990,"textAlign":17},[1057],{"text":1058,"type":52},"5. Verantwortungsbewusstes algorithmisches Trading",{"type":61,"attrs":1060,"content":1061},{"textAlign":17},[1062],{"text":1063,"type":52},"KI hat den Handel revolutioniert, indem sie eine umfassende Analyse von Marktbedingungen, Nachrichtenstimmungen und wirtschaftlichen Indikatoren ermöglicht. Im Jahr 2025 liegt der Fokus zunehmend auf erklärbarer KI für Handelsalgorithmen. Dies verbessert die Transparenz, erleichtert die Einhaltung regulatorischer Vorgaben und optimiert das Risikomanagement.",{"type":61,"attrs":1065,"content":1066},{"textAlign":17},[1067],{"text":1068,"type":52},"Diese Entwicklung hilft Investoren, ihre Portfolios effizienter zu gestalten, während gleichzeitig eine angemessene menschliche Kontrolle gewährleistet bleibt.",{"type":46,"attrs":1070,"content":1071},{"level":990,"textAlign":17},[1072],{"text":1073,"type":52},"6. Automatisierte Datenverarbeitung und Finanzoperationen",{"type":61,"attrs":1075,"content":1076},{"textAlign":17},[1077,1079],{"text":1078,"type":52},"Finanzteams setzen KI ein, um umfangreiche Datenabgleiche und Finanzberichte effizient zu verwalten. Ein bemerkenswertes Beispiel stammt von OpenAI: Dort nutzte das Finanzteam KI, um die Verarbeitung von Compute-Nutzungsdaten zu automatisieren – eine Aufgabe, die für herkömmliche Excel-basierte Workflows zu komplex geworden war. ",{"text":1080,"type":52,"marks":1081},"Das Ergebnis? Eine 80%ige Reduzierung der manuellen Prozesse und Datenverarbeitungszeit und deutlich schnellere Abschlussprozesse.",[1082],{"type":261},{"type":61,"attrs":1084,"content":1085},{"textAlign":17},[1086,1088,1095,1097,1101],{"text":1087,"type":52},"Ebenso sind moderne KI-Tools in der Lage, ",{"text":1089,"type":52,"marks":1090},"Belege und Rechnungen zu lesen",[1091],{"type":191,"attrs":1092},{"href":1093,"uuid":1094,"anchor":17,"target":195,"linktype":196},"/de/blog/digitale-buchhaltung-scannen","080c3c58-bc56-42d6-b9c8-245665fcdca9",{"text":1096,"type":52},", relevante Informationen zu extrahieren und Ausgaben automatisch den richtigen Budgets zuzuordnen. Einige Unternehmen berichten, dass sich ihre Rechnungsverarbeitungszeit von Stunden auf Minuten verkürzt hat – ",{"text":1098,"type":52,"marks":1099},"bei gleichzeitig um bis zu 90 % reduzierter Fehlerquote",[1100],{"type":261},{"text":1033,"type":52},{"type":61,"attrs":1103,"content":1104},{"textAlign":17},[1105],{"text":1106,"type":52,"marks":1107},"Relevante Artikel: ",[1108],{"type":261},{"type":219,"content":1110},[1111,1123],{"type":222,"content":1112},[1113],{"type":61,"attrs":1114,"content":1115},{"textAlign":933},[1116],{"text":1117,"type":52,"marks":1118},"Die praktische 10-Schritte-Checkliste für Ihre KI-Einführung.",[1119],{"type":191,"attrs":1120},{"href":1121,"uuid":1122,"anchor":17,"target":195,"linktype":196},"/de/blog/ki-readiness-fuer-finanzteams","336364c8-fde6-46df-9e0a-e29ed80fc107",{"type":222,"content":1124},[1125],{"type":61,"attrs":1126,"content":1127},{"textAlign":933},[1128],{"text":1129,"type":52,"marks":1130},"Wird Ihnen KI Ihren Job im Finanzwesen wegnehmen?",[1131],{"type":191,"attrs":1132},{"href":1133,"uuid":1134,"anchor":17,"target":195,"linktype":196},"/de/blog/wird-ki-finanzjobs-ersetzen","d4de7e33-2ace-4c3e-b363-456bc858c90d",{"type":46,"attrs":1136,"content":1137},{"level":210,"textAlign":17},[1138],{"text":1139,"type":52},"Die Vorteile von KI im Finanzwesen",{"type":200,"attrs":1141},{"id":1142,"body":1143},"25f1f6d7-028a-41b6-8045-8aa29eba22cb",[1144],{"_uid":1145,"type":18,"asset":1146,"caption":18,"overlay":1152,"component":772},"i-e9d53906-5193-4af7-a522-cc60340cbf90",{"id":1147,"alt":1148,"name":18,"focus":18,"title":1149,"source":18,"filename":1150,"copyright":18,"fieldtype":19,"meta_data":1151,"is_external_url":14},21277528,"Illustration mit Lupe über einem Balkendiagramm, daneben Zielscheibe, Megafon und Roboterkopf – Symbole für Datenanalyse, Automatisierung und Marketing.","KI im Finanzwesen","https://a.storyblok.com/f/146026/1100x918/3203d02739/benefits-ai-finance.png",{"alt":1148,"title":1149,"source":18,"copyright":18},[],{"type":61,"attrs":1154,"content":1155},{"textAlign":17},[1156],{"text":1157,"type":52},"Über einzelne Anwendungsfälle hinaus bietet die Integration von KI weitreichende strategische Vorteile für zukunftsorientierte Finanzinstitute.",{"type":46,"attrs":1159,"content":1160},{"level":266,"textAlign":17},[1161],{"text":1162,"type":52},"1. Operative Exzellenz und Automatisierung",{"type":61,"attrs":1164,"content":1165},{"textAlign":17},[1166],{"text":1167,"type":52},"Durch den Einsatz von KI werden bislang aufwändige manuelle Tätigkeiten automatisiert, wodurch die betriebliche Effizienz und Genauigkeit spürbar gesteigert werden. Finanz-Expert:innen können sich nun verstärkt auf strategische Initiativen und Beziehungsmanagement konzentrieren, anstatt Routineaufgaben zu erledigen. Das führt zu einem sinnvolleren Arbeitsumfeld und besseren Kundenergebnissen.",{"type":46,"attrs":1169,"content":1170},{"level":266,"textAlign":17},[1171],{"text":1172,"type":52},"2. Erweiterter finanzieller Zugang",{"type":61,"attrs":1174,"content":1175},{"textAlign":17},[1176,1178,1182],{"text":1177,"type":52},"KI-Systeme haben den ",{"text":1179,"type":52,"marks":1180},"Zugang zu Finanzdienstleistungen für bisher unterversorgte Bevölkerungsgruppen",[1181],{"type":261},{"text":1183,"type":52}," erheblich verbessert. Durch die Analyse alternativer Datenquellen und eine differenziertere Risikobewertung können Finanzinstitute nun auch Kunden bedienen, die keine traditionelle Kredithistorie oder Dokumentation vorweisen können. So trägt KI dazu bei, die globale Kluft in der finanziellen Inklusion zu überbrücken.",{"type":46,"attrs":1185,"content":1186},{"level":266,"textAlign":17},[1187],{"text":1188,"type":52},"3. Integration nachhaltiger Finanzstrategien",{"type":61,"attrs":1190,"content":1191},{"textAlign":17},[1192],{"text":1193,"type":52},"KI-Technologien sind mittlerweile essenzielle Werkzeuge zur Messung, Berichterstattung und Überprüfung der ökologischen und sozialen Auswirkungen von Investitionen. Finanzinstitute nutzen diese Fähigkeiten, um ihre Portfolios mit Nachhaltigkeitszielen in Einklang zu bringen, ohne dabei auf wettbewerbsfähige Renditen zu verzichten – und reagieren damit sowohl auf regulatorische Anforderungen als auch auf die steigende Nachfrage der Verbraucher.",{"type":46,"attrs":1195,"content":1196},{"level":266,"textAlign":17},[1197],{"text":1198,"type":52},"4. Proaktives Compliance-Management",{"type":61,"attrs":1200,"content":1201},{"textAlign":17},[1202,1204],{"text":1203,"type":52},"Durch KI-gestützte Regulierungs-Technologie (RegTech) können Unternehmen die immer komplexeren Compliance-Anforderungen effizient bewältigen. Diese Systeme überwachen kontinuierlich Transaktionen, Kommunikation und betriebliche Abläufe, um potenzielle Probleme frühzeitig zu erkennen, bevor sie eskalieren. Dadurch lassen sich Compliance-Risiken und -",{"text":1205,"type":52,"marks":1206},"Kosten senken, während gleichzeitig die Transparenz verbessert wird.",[1207],{"type":261},{"type":46,"attrs":1209,"content":1210},{"level":210,"textAlign":17},[1211],{"text":1212,"type":52,"marks":1213},"Warum Finanzteams bei der Einführung von KI zögern",[1214],{"type":323,"attrs":1215},{"color":1216},"#000000",{"type":61,"attrs":1218,"content":1219},{"textAlign":17},[1220,1225,1234],{"text":1221,"type":52,"marks":1222},"Trotz der zahlreichen Vorteile stehen viele Finanzexperten der Einführung von KI weiterhin vorsichtig gegenüber. ",[1223],{"type":323,"attrs":1224},{"color":1216},{"text":1226,"type":52,"marks":1227},"Als der a16z-Partner Ivan Makarov auf LinkedIn fragte",[1228,1232],{"type":191,"attrs":1229},{"href":1230,"uuid":17,"anchor":17,"target":1231,"linktype":120},"https://www.linkedin.com/posts/ivansmakarov_honest-question-why-are-we-people-in-finance-activity-7303849987249975296-94Ez/","_blank",{"type":323,"attrs":1233},{"color":1216},{"text":1235,"type":52,"marks":1236},", warum Finanzteams KI nur zögerlich übernehmen, nannten die Befragten mehrere zentrale Hürden:",[1237],{"type":323,"attrs":1238},{"color":1216},{"type":219,"content":1240},[1241,1257,1273,1289],{"type":222,"content":1242},[1243],{"type":61,"attrs":1244,"content":1245},{"textAlign":17},[1246,1252],{"text":1247,"type":52,"marks":1248},"Null-Toleranz für Fehler:",[1249,1251],{"type":323,"attrs":1250},{"color":1216},{"type":261},{"text":1253,"type":52,"marks":1254}," Im Finanzwesen sind Fehler inakzeptabel – anders als beispielsweise im Marketing, wo kleine Ungenauigkeiten toleriert werden können.",[1255],{"type":323,"attrs":1256},{"color":1216},{"type":222,"content":1258},[1259],{"type":61,"attrs":1260,"content":1261},{"textAlign":17},[1262,1268],{"text":1263,"type":52,"marks":1264},"Veraltete Systeme und fragmentierte Daten:",[1265,1267],{"type":323,"attrs":1266},{"color":1216},{"type":261},{"text":1269,"type":52,"marks":1270}," Viele bestehende IT-Infrastrukturen sind nicht KI-freundlich.",[1271],{"type":323,"attrs":1272},{"color":1216},{"type":222,"content":1274},[1275],{"type":61,"attrs":1276,"content":1277},{"textAlign":17},[1278,1284],{"text":1279,"type":52,"marks":1280},"Transparenzanforderungen:",[1281,1283],{"type":323,"attrs":1282},{"color":1216},{"type":261},{"text":1285,"type":52,"marks":1286}," Um den Anforderungen von Prüfern und Regulierungsbehörden gerecht zu werden, müssen KI-Entscheidungen nachvollziehbar sein.",[1287],{"type":323,"attrs":1288},{"color":1216},{"type":222,"content":1290},[1291],{"type":61,"attrs":1292,"content":1293},{"textAlign":17},[1294,1300],{"text":1295,"type":52,"marks":1296},"Fehlende klare Überlegenheit:",[1297,1299],{"type":323,"attrs":1298},{"color":1216},{"type":261},{"text":1301,"type":52,"marks":1302}," Viele KI-Lösungen bieten bislang keinen deutlichen Mehrwert gegenüber bestehenden Methoden.",[1303],{"type":323,"attrs":1304},{"color":1216},{"type":61,"attrs":1306,"content":1307},{"textAlign":17},[1308],{"text":1309,"type":52,"marks":1310},"Diese praktischen Herausforderungen erklären, warum viele Finanzteams trotz des Potenzials der Technologie zurückhaltend bleiben. Ein Verständnis dieser Barrieren ist entscheidend für Unternehmen, die KI erfolgreich in ihre Finanzprozesse integrieren möchten.",[1311],{"type":323,"attrs":1312},{"color":1216},{"type":46,"attrs":1314,"content":1315},{"level":210,"textAlign":17},[1316],{"text":1317,"type":52},"Bewältigung der Herausforderungen bei der KI-Implementierung im Finanzsektor",{"type":61,"attrs":1319,"content":1320},{"textAlign":17},[1321],{"text":1322,"type":52},"Trotz des enormen Potenzials von KI müssen Finanzinstitute mehrere entscheidende Hürden überwinden, um eine erfolgreiche Implementierung zu gewährleisten.",{"type":46,"attrs":1324,"content":1325},{"level":266,"textAlign":17},[1326],{"text":1327,"type":52},"1. Datenschutz und Governance",{"type":61,"attrs":1329,"content":1330},{"textAlign":17},[1331],{"text":1332,"type":52},"Da KI-Systeme sensible Finanzdaten verarbeiten, haben Unternehmen umfassende Governance-Rahmenwerke entwickelt, die Innovation mit strengen Datenschutzrichtlinien in Einklang bringen. Datenschutztechnologien wie föderiertes Lernen und homomorphe Verschlüsselung ermöglichen es mittlerweile, wertvolle Erkenntnisse aus Daten zu gewinnen, ohne die Privatsphäre einzelner Personen zu gefährden.",{"type":46,"attrs":1334,"content":1335},{"level":266,"textAlign":17},[1336],{"text":1337,"type":52},"2. Algorithmische Fairness und Transparenz",{"type":61,"attrs":1339,"content":1340},{"textAlign":17},[1341,1343,1347,1349,1352],{"text":1342,"type":52},"Die Gewährleistung fairer und unvoreingenommener KI-Entscheidungen ist essenziell. ",{"text":1344,"type":52,"marks":1345},"Finanzinstitute lassen ihre Algorithmen regelmäßig durch unabhängige Dritte überprüfen, um Diskriminierung zu verhindern ",[1346],{"type":261},{"text":1348,"type":52},"und Fairness im Finanzwesen sicherzustellen.",{"text":256,"type":52,"marks":1350},[1351],{"type":261},{"text":1353,"type":52},"Erklärbare KI-Ansätze sind mittlerweile Standard, sodass Unternehmen ihre Entscheidungsprozesse klar nachvollziehbar machen können.",{"type":46,"attrs":1355,"content":1356},{"level":266,"textAlign":17},[1357],{"text":1358,"type":52},"3. Strategischer Implementierungsansatz",{"type":61,"attrs":1360,"content":1361},{"textAlign":17},[1362],{"text":1363,"type":52},"Statt eine vollständige Systemumstellung auf einmal anzugehen, starten erfolgreiche KI-Implementierungen oft mit einem klar definierten Anwendungsfall. 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Anne-Claire Chanvin, Gründerin von Finup360, beschreibt diesen Wandel treffend:",{"type":200,"attrs":1433},{"id":1434,"body":1435},"95a36e61-c31a-4a49-ac36-80e762a10e29",[1436],{"_uid":1437,"quote":1438,"subtitle":18,"component":1439},"i-d1fd6e32-2ef7-4cfd-a032-483e6fc1cbc4","Künstliche Intelligenz verändert die Finanzwelt derzeit so stark wie die Einführung von Excel in den 1980er-Jahren. Es hat die Arbeitsweise der Finanzteams revolutioniert – und genau das tut KI heute.","quoteWithLine",{"type":46,"attrs":1441,"content":1442},{"level":266,"textAlign":17},[1443],{"text":1444,"type":52,"marks":1445},"Wachsende Zugänglichkeit von KI-Tools",[1446],{"type":323,"attrs":1447},{"color":1448},"#666666",{"type":61,"attrs":1450,"content":1451},{"textAlign":17},[1452],{"text":1453,"type":52,"marks":1454},"KI-Technologien werden zunehmend benutzerfreundlich. Es entstehen Lösungen, die keine tiefgehenden technischen Kenntnisse erfordern, was insbesondere mittelständischen und kleineren Finanzteams den Zugang erleichtert.",[1455],{"type":323,"attrs":1456},{"color":1216},{"type":46,"attrs":1458,"content":1459},{"level":210,"textAlign":17},[1460],{"text":1461,"type":52},"Fazit",{"type":61,"attrs":1463,"content":1464},{"textAlign":17},[1465,1467,1472,1474],{"text":1466,"type":52},"KI verändert das Finanzwesen grundlegend und bietet im Zuge der digitalen Transformation beispiellose Möglichkeiten für Unternehmen Schritt zu halten - oder sogar einen Schritt voraus zu sein. Die zentrale Frage für Finanzverantwortliche im Jahr 2025 lautet nicht mehr ",{"text":1468,"type":52,"marks":1469},"ob",[1470],{"type":1471},"italic",{"text":1473,"type":52}," sie KI nutzen sollten, sondern ",{"text":1475,"type":52,"marks":1476},"wie.",[1477],{"type":1471},{"type":61,"attrs":1479,"content":1480},{"textAlign":17},[1481,1483,1487],{"text":1482,"type":52},"Unternehmen, die das Potenzial von KI gezielt ausschöpfen und dabei Herausforderungen proaktiv adressieren, sichern sich entscheidende Wettbewerbsvorteile. Wer hingegen mit der Implementierung zögert, riskiert den Anschluss zu verlieren. 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Spendesk ermöglicht granulare Ausgabelimits, rollenbasierte Freigaben und Echtzeit-Transparenz, sodass Finanzteams Ausgaben prüfen, Mehrwertsteuer und Sachkonten zuzuweisen und geprüfte Buchungsdaten direkt zu exportieren.",{"_uid":1571,"title":1572,"component":784,"description":1573},"781c55b3-b78f-4ee6-9186-2c764bdc5804","Wie kann Künstliche Intelligenz die Ausgabenverwaltung verbessern?",{"type":43,"content":1574},[1575],{"type":61,"content":1576},[1577],{"text":1578,"type":52},"Künstliche Intelligenz automatisiert Belegerkennung, Kategorisierung und Anomalieerkennung in Ausgabendaten. 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Romberg","2022-10-19T17:36:19.198Z","2026-03-12T10:47:20.161Z",206165079,"72b51623-fd91-4b31-b6b7-902c718560c7",{"_uid":1681,"name":1675,"links":1682,"picture":1688,"lastName":1690,"component":127,"firstName":1691,"description":1692},"2f315338-5911-4fea-8fdf-28f51cd0ecd3",[1683],{"tag":18,"_uid":1684,"icon":1685,"link":1686,"type":18,"label":18,"style":122,"component":123,"onClickEvent":18,"openInANewTab":14,"horizontalFill":14},"d6d0cbfb-e3a4-4817-b063-12bca4053b8d",{"id":116,"alt":18,"name":18,"focus":18,"title":18,"filename":117,"copyright":18,"fieldtype":19,"is_external_url":14},{"id":18,"url":1687,"linktype":120,"fieldtype":121,"cached_url":1687},"https://www.linkedin.com/in/benjamin-romberg-4a758093/",{"alt":1689,"name":18,"focus":18,"title":18,"filename":1689,"copyright":18,"fieldtype":19,"is_external_url":14},"https://a.storyblok.com/f/146026/433x433/41fa3ba8a0/0.jpeg","Romberg","Benjamin",{"type":43,"content":1693},[1694],{"type":61,"content":1695},[1696],{"text":1697,"type":52},"Benjamin Romberg is Head of Communications at Spendesk. Previously, he worked for several years in PR agencies and as a journalist at German Süddeutsche Zeitung.","benjamin-romberg","de/blog/author/benjamin-romberg",-160,[],"5190883f-99dd-4203-8582-26908a0c21f9","2022-11-02T15:26:08.272Z",[],"blog/author/benjamin-romberg",[1707,1708,1709],{"path":1705,"name":17,"lang":147,"published":17},{"path":1705,"name":17,"lang":142,"published":17},{"path":1705,"name":17,"lang":150,"published":17},[1711,1731],{"name":1712,"created_at":1713,"published_at":6,"updated_at":1714,"id":1715,"uuid":1716,"content":1717,"slug":1719,"full_slug":1720,"sort_by_date":17,"position":1721,"tag_list":1722,"is_startpage":14,"parent_id":166,"meta_data":17,"group_id":1723,"first_published_at":1724,"release_id":17,"lang":142,"path":17,"alternates":1725,"default_full_slug":1726,"translated_slugs":1727,"_stopResolving":151},"Spesen und Reisekosten","2022-10-19T17:57:58.476Z","2026-03-12T10:47:23.848Z",206171437,"5e7aefe9-cdac-4a49-b390-70babd2ef7bd",{"_uid":1718,"name":1712,"component":161},"959a1f0e-4729-4406-a877-32a6c59a5298","spesen-und-reisekosten","de/blog/topic/spesen-und-reisekosten",-410,[],"9fd52716-9922-492a-a42b-b42c503a0dac","2022-11-02T15:24:43.761Z",[],"blog/topic/spesen-und-reisekosten",[1728,1729,1730],{"path":1726,"name":17,"lang":147,"published":17},{"path":1726,"name":17,"lang":142,"published":17},{"path":1726,"name":17,"lang":150,"published":17},{"name":1732,"created_at":1733,"published_at":6,"updated_at":1734,"id":1735,"uuid":1736,"content":1737,"slug":1739,"full_slug":1740,"sort_by_date":17,"position":1741,"tag_list":1742,"is_startpage":14,"parent_id":166,"meta_data":17,"group_id":1743,"first_published_at":1744,"release_id":17,"lang":142,"path":17,"alternates":1745,"default_full_slug":1746,"translated_slugs":1747,"_stopResolving":151},"Geschäftsausgaben","2022-10-24T16:11:35.894Z","2026-03-12T10:47:31.364Z",208763789,"2e74ff1e-c931-4b4b-be73-cfed9979a153",{"_uid":1738,"name":1732,"component":161,"hubspotId":18},"3f4c451e-8e90-42af-8ab4-49c7a12230b6","geschaeftsausgaben","de/blog/topic/geschaeftsausgaben",-550,[],"3faaf794-80d2-438d-b107-65619171cb1c","2022-11-02T15:24:38.392Z",[],"blog/topic/geschaeftsausgaben",[1748,1749,1750],{"path":1746,"name":17,"lang":147,"published":17},{"path":1746,"name":17,"lang":142,"published":17},{"path":1746,"name":17,"lang":150,"published":17},{"type":43,"content":1752},[1753,1758,1763,1774,1782,1784,1791,1796,1808,1813,1824,1837,1851,1859,1864,1877,1882,1893,1917,1922,1954,1963,1977,1982,1987,1996,2002,2015,2024,2038,2043,2048,2076,2081,2092,2108,2113,2118,2125,2130,2135,2140,2153,2162,2167,2172,2183,2188,2193,2351,2356,2373,2384,2389,2394,2471,2476,2481,2495,2500,2518,2524,2529,2534,2538,2543,2548,2553,2577,2582,2587,2592,2597,2627,2632,2637,2642,2647,2652,2657,2662],{"type":61,"attrs":1754,"content":1755},{"textAlign":17},[1756],{"text":1757,"type":52},"Deutschland ist weltweit berühmt dafür, Dinge bis ins kleinste Detail zu regeln. Die Abrechnung von Dienstreisen ist da keine Ausnahme.",{"type":61,"attrs":1759,"content":1760},{"textAlign":17},[1761],{"text":1762,"type":52},"Mit dem Verpflegungsmehraufwand bzw. Verpflegungspauschalen können Arbeitnehmer:innen feste Spesensätze für ihre Reisekostenabrechnung nutzen. Nur: Wie funktioniert das genau?",{"type":61,"attrs":1764,"content":1765},{"textAlign":17},[1766,1768,1772],{"text":1767,"type":52},"In diesem Artikel wollen wir Ihnen eine Übersicht über ",{"text":1769,"type":52,"marks":1770},"geltendes Recht für Geschäftsreisen ins In- und Ausland",[1771],{"type":261},{"text":1773,"type":52}," geben.",{"type":200,"attrs":1775},{"id":1776,"body":1777},"8cc1cc36-8487-4d9f-8238-8cc263769ea5",[1778],{"_uid":1779,"text":1780,"color":1414,"title":1781,"component":1416},"i-6f3ebc86-68ea-4507-9b8f-77a0789b0487","- **Inlandsreisen in Deutschland**: Der Verpflegungsmehraufwand beträgt 14 € bei Abwesenheit von 8–24 Stunden (inkl. An- und Abreisetagen) und 28 € bei mindestens 24 Stunden Abwesenheit.\n- **Geltungszeitraum:** Diese Pauschalen gelten seit 2021 unverändert und sind damit auch 2025 und 2026 gültig.\n- **Auslandsreisen:** Die Pauschbeträge für Verpflegungsmehraufwendungen und Übernachtungen unterscheiden sich je nach Land und Stadt. Sie wurden zum 1. Januar 2026 erneut festgelegt. (s. unten)\n- **Abrechnung:** Der Verpflegungsmehraufwand kann über die Reisekostenabrechnung vom Arbeitgeber erstattet oder – falls keine Erstattung erfolgt – in der Steuererklärung (Anlage N) als Werbungskosten geltend gemacht werden.\n\n  \nWeitere Details finden Sie im aktuellen [BMF-Schreiben vom 5. Dezember 2025](https://www.bundesfinanzministerium.de/Content/DE/Downloads/BMF_Schreiben/Steuerarten/Lohnsteuer/2025-12-05-steuerliche-behandlung-reisekosten-2026.pdf?\\__blob=publicationFile&v=4). ","Verpflegungsmehraufwand 2025 & 2026 – zusammengefasst",{"type":61,"attrs":1783},{"textAlign":17},{"type":200,"attrs":1785},{"id":1786,"body":1787},"f2237643-2d1f-4e35-ab9f-95dfc4a88584",[1788],{"_uid":1789,"html":1790,"component":207},"i-aa31dd6e-94cc-4067-a849-8cebd9c8377c","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-e695c629-d1b5-49d4-ac97-078a9cc796e9\">\u003Cspan class=\"hs-cta-node hs-cta-e695c629-d1b5-49d4-ac97-078a9cc796e9\" id=\"hs-cta-e695c629-d1b5-49d4-ac97-078a9cc796e9\">\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/e695c629-d1b5-49d4-ac97-078a9cc796e9\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-e695c629-d1b5-49d4-ac97-078a9cc796e9\" style=\"border-width:0px;\" height=\"1280\" width=\"2560\" src=\"https://no-cache.hubspot.com/cta/default/2694209/e695c629-d1b5-49d4-ac97-078a9cc796e9.png\"  alt=\"Guide für Dienstreisen\"/>\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, 'e695c629-d1b5-49d4-ac97-078a9cc796e9', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":46,"attrs":1792,"content":1793},{"level":210,"textAlign":17},[1794],{"text":1795,"type":52},"Was ist der Verpflegungsmehraufwand?",{"type":61,"attrs":1797,"content":1798},{"textAlign":17},[1799,1801,1807],{"text":1800,"type":52},"Der etwas sperrige Begriff „Verpflegungsmehraufwand” besagt im Grunde Folgendes: Wer wegen einer beruflichen Tätigkeit verreist und dadurch höhere Verpflegungskosten (für Essen und Getränke) hat, als dies an der regelmäßigen Arbeitsstätte der Fall wäre, bekommt diese zusätzlichen Ausgaben vom Arbeitgeber erstattet oder kann sie steuerlich geltend machen. Geltendes Recht ist das Einkommensteuergesetz (EStG), genauer gesagt ",{"text":1802,"type":52,"marks":1803},"Paragraph 9 Absatz 4a",[1804],{"type":191,"attrs":1805},{"href":1806,"uuid":17,"anchor":17,"target":1231,"linktype":120},"https://dejure.org/gesetze/EStG/9.html",{"text":1033,"type":52},{"type":46,"attrs":1809,"content":1810},{"level":266,"textAlign":17},[1811],{"text":1812,"type":52},"Warum Pauschalen statt tatsächlicher Kosten?",{"type":61,"attrs":1814,"content":1815},{"textAlign":17},[1816,1818,1822],{"text":1817,"type":52},"Da es sehr aufwendig wäre, diesen Betrag in jedem Einzelfall zu ermitteln, ",{"text":1819,"type":52,"marks":1820},"können Dienstreisende stattdessen pauschale Spesensätze abrechnen",[1821],{"type":261},{"text":1823,"type":52}," – unabhängig von den tatsächlichen Kosten. Die tatsächlichen Verpflegungskosten bei einer beruflichen Auswärtstätigkeit können hingegen nicht als Betriebsausgabe geltend gemacht werden.",{"type":61,"attrs":1825,"content":1826},{"textAlign":17},[1827,1829,1836],{"text":1828,"type":52},"Für in- und ausländische Dienstreisen gibt es hingegen festgelegte Pauschalen für Verpflegungsmehraufwendungen. Diese richten sich nach Reisedauer und Reiseland (siehe Tabelle weiter unten). Diese Regelung macht zwar vieles einfacher, ",{"text":1830,"type":52,"marks":1831},"bringt aber auch Nachteile mit sich",[1832],{"type":191,"attrs":1833},{"href":1834,"uuid":1835,"anchor":17,"target":195,"linktype":196},"/de/blog/spesensatze","3f63fdcf-5863-42be-a567-bb3f7d1e5cb2",{"text":1033,"type":52},{"type":61,"attrs":1838,"content":1839},{"textAlign":17},[1840,1842,1849],{"text":1841,"type":52},"Arbeitnehmende machen den Mehraufwendungen in der Regel in ihrer ",{"text":1843,"type":52,"marks":1844},"Reisekostenabrechnung",[1845],{"type":191,"attrs":1846},{"href":1847,"uuid":1848,"anchor":17,"target":195,"linktype":196},"/de/glossary/reisekostenabrechnung","fb1c56b2-61e9-4af8-8603-00bdf6f10dd7",{"text":1850,"type":52}," geltend und bekommen die Ausgaben vom Arbeitgeber erstattet. Alternativ können die Kosten in der Einkommensteuererklärung (Anlage N) berücksichtigt werden. Beides zugleich ist allerdings nicht möglich.",{"type":200,"attrs":1852},{"id":1853,"body":1854},"2fee7189-6c40-4e00-b648-a96c67590bfd",[1855],{"_uid":1856,"text":1857,"color":1414,"title":1858,"component":1416},"i-204470b1-8d4b-485d-81a9-d40f4db7563b","Für den Verpflegungsaufwand 2021–2025 wurden keine Änderungen an den Spesensätzen für Inlandsreisen vorgenommen. Auch 2026 bleiben die Pauschalen für Dienstreisen innerhalb Deutschlands unverändert; es gelten weiterhin dieselben Verpflegungspauschalen wie seit 2021.\n\nIm Rahmen des Wachstumschancengesetzes war ursprünglich eine Anhebung der Spesen für 2024 geplant. Der schließlich verabschiedete Gesetzesentwurf hat diese Erhöhungen jedoch nicht mehr enthalten.\n\nFür Auslandsdienstreisen wurden die Pauschalbeträge zum 1. Januar 2025 angepasst. Mit dem BMF-Schreiben vom 5. Dezember 2025 wurden außerdem die Pauschbeträge für Verpflegungsmehraufwendungen und Übernachtungskosten ab 1. Januar 2026 für viele Länder erneut festgelegt. Die jeweils geltenden Sätze für Auslandsreisen finden Sie in der Übersicht und in der offiziellen Tabelle des Bundesfinanzministeriums.","Aktuelle Entwicklungen für die Reisekostenpauschale 2025 / 2026",{"type":46,"attrs":1860,"content":1861},{"level":210,"textAlign":17},[1862],{"text":1863,"type":52},"Zwei Spesensätze für alle Dienstreisen",{"type":61,"attrs":1865,"content":1866},{"textAlign":17},[1867,1869,1875],{"text":1868,"type":52},"Das Bundesministerium der Finanzen hat am 25. November 2020 ein neues Schreiben zur ",{"text":1870,"type":52,"marks":1871},"steuerlichen Behandlung der Reisekosten von Arbeitnehmenden",[1872],{"type":191,"attrs":1873},{"href":1874,"uuid":17,"anchor":17,"target":1231,"linktype":120},"https://www.bva.bund.de/SharedDocs/Downloads/DE/Bundesbedienstete/Mobilitaet-Reisen/RV_RK_TG_UK/Rechtsgrundlagen/Dienstreisen/bmf_erlass_201125_steuerliche_Behandlung_RK_AN.pdf?__blob=publicationFile&v=2",{"text":1876,"type":52}," veröffentlicht. Es ersetzt das zuvor geltende Schreiben vom 24. Oktober 2014.",{"type":61,"attrs":1878,"content":1879},{"textAlign":17},[1880],{"text":1881,"type":52},"Wer zuletzt vor 2014 auf Dienstreise war, wird feststellen, dass sich mit der Reform des Reisekostenrechts ein paar Dinge geändert haben. Die wichtigste Neuerung seit 2014: Auswärtstätigkeiten mit einer Dauer von weniger als acht Stunden können nicht mehr abgerechnet werden.",{"type":61,"attrs":1883,"content":1884},{"textAlign":17},[1885,1887,1891],{"text":1886,"type":52},"Für den Verpflegungsmehraufwand gelten weiterhin ",{"text":1888,"type":52,"marks":1889},"zwei Verpflegungspauschalen, sowohl innerhalb Deutschlands als auch im Ausland ",[1890],{"type":261},{"text":1892,"type":52},"— hierbei handelt es sich um die kleine Pauschale und die große Pauschale. Beide bemessen sich an der Reisedauer.",{"type":219,"content":1894},[1895,1906],{"type":222,"content":1896},[1897],{"type":61,"attrs":1898,"content":1899},{"textAlign":17},[1900,1904],{"text":1901,"type":52,"marks":1902},"Kleine Verpflegungspauschale: ",[1903],{"type":261},{"text":1905,"type":52},"Diese Pauschale gilt für Geschäftsreisen mit einer Dauer von mehr als acht Stunden, jedoch weniger als 24 Stunden Abwesenheit von der ersten Tätigkeitsstätte. Auch gilt dieser Spesensatz für den Anreisetag und Abreisetag von mehrtägigen Reisen.",{"type":222,"content":1907},[1908],{"type":61,"attrs":1909,"content":1910},{"textAlign":17},[1911,1915],{"text":1912,"type":52,"marks":1913},"Große Verpflegungspauschale: ",[1914],{"type":261},{"text":1916,"type":52},"Diese Tagespauschale gilt bei mehrtägigen Dienstreisen, die eine Abwesenheitsdauer von mehr als 24 Stunden haben. Der Spesensatz wird dabei für jeden vollen Tag angewendet.",{"type":61,"attrs":1918,"content":1919},{"textAlign":17},[1920],{"text":1921,"type":52},"Dabei ist zu beachten, dass sich die Berechnung an Kalendertagen orientiert. Um einen ganzen Tag geltend zu machen, muss der/die Reisende also tatsächlich von 0:00 Uhr bis 24:00 Uhr unterwegs sein.",{"type":61,"attrs":1923,"content":1924},{"textAlign":17},[1925,1927,1934,1936,1943,1945,1952],{"text":1926,"type":52},"Übrigens: Zu den Reisekosten gehören neben den Verpflegungsmehraufwendungen natürlich auch ",{"text":1928,"type":52,"marks":1929},"Fahrtkosten",[1930],{"type":191,"attrs":1931},{"href":1932,"uuid":1933,"anchor":17,"target":195,"linktype":196},"/de/blog/kilometerpauschale-bei-dienstreisen","270d38c6-88ec-49c0-ae9c-3a52e71d92e9",{"text":1935,"type":52},", ",{"text":1937,"type":52,"marks":1938},"Übernachtungskosten",[1939],{"type":191,"attrs":1940},{"href":1941,"uuid":1942,"anchor":17,"target":195,"linktype":196},"/de/blog/uebernachtungspauschale","543e4ed0-1374-4f9a-9e77-9689a6f54d08",{"text":1944,"type":52}," und ",{"text":1946,"type":52,"marks":1947},"Reisenebenkosten",[1948],{"type":191,"attrs":1949},{"href":1950,"uuid":1951,"anchor":17,"target":195,"linktype":196},"/de/blog/reisenebenkosten","6f0de099-5327-49a9-8d9a-087bfae7ef94",{"text":1953,"type":52},". Diese sind separat geregelt.",{"type":46,"attrs":1955,"content":1956},{"level":210,"textAlign":17},[1957],{"text":1958,"type":52,"marks":1959},"Welche Verpflegungspauschalen gelten 2025 & 2026 in Deutschland?",[1960],{"type":323,"attrs":1961},{"color":1962},"#111418",{"type":61,"attrs":1964,"content":1965},{"textAlign":17},[1966,1968,1975],{"text":1967,"type":52},"Die ",{"text":1969,"type":52,"marks":1970},"Spesen",[1971],{"type":191,"attrs":1972},{"href":1973,"uuid":1974,"anchor":17,"target":195,"linktype":196},"/de/glossary/spesen","e9826e53-7bfe-44c9-9f15-c51959d5a0c8",{"text":1976,"type":52}," für Dienstreisen im Inland sind lange unverändert geblieben und wurden zuletzt im Jahr 2020 etwas angehoben. Zuvor war der Betrag das letzte Mal bei der Umstellung von D-Mark auf Euro angepasst worden.",{"type":46,"attrs":1978,"content":1979},{"level":266,"textAlign":17},[1980],{"text":1981,"type":52},"Wie lauten die aktuellen Pauschalbeträge für Spesen in Deutschland?",{"type":61,"attrs":1983,"content":1984},{"textAlign":17},[1985],{"text":1986,"type":52},"Der Verpflegungsmehraufwand in den Jahren 2019 und davor lag bei 12 Euro für Abwesenheiten von 8 bis 24 Stunden und 24 Euro für mehr als 24 Stunden.",{"type":61,"attrs":1988,"content":1989},{"textAlign":17},[1990,1994],{"text":1991,"type":52,"marks":1992},"Seit 2021 wurden die Pauschbeträge jedoch nicht mehr verändert – sie gelten damit auch für 2025 und 2026.",[1993],{"type":261},{"text":1995,"type":52}," Zur besseren Übersicht haben wir alle relevanten Beträge der letzten vier Jahre für Sie zusammengestellt:",{"type":200,"attrs":1997},{"id":1853,"body":1998},[1999],{"_uid":2000,"text":2001,"color":1414,"title":18,"component":1416},"i-126e2d3a-fdff-4d23-aaee-f42843b54203","**Aktuelle Pauschalen 2025 & 2026 (Inland)**  \n\n- Dauer: weniger als 8 Std., Pauschale: 0 € \n- Dauer: 8–24 Std. (inkl. An- & Abreisetag), Pauschale: 14 € \n- Dauer: mind. 24 Stunden, Pauschale: 28 €  \n\n**Pauschalen in den Vorjahren**  \n\n- 2024: identische Pauschalen wie 2025/2026   \n- 2023: identische Pauschalen wie 2025/2026  \n- 2022: identische Pauschalen wie 2025/2026   \n- 2021: identische Pauschalen wie 2025/2026   \n- 2020: leichte Abweichungen zu den heutigen Sätzen (Anhebung zum 1. Januar 2020)",{"type":61,"attrs":2003,"content":2004},{"textAlign":17},[2005,2007,2014],{"text":2006,"type":52},"Für Dienstreisen mit einer Dauer von weniger als 24 aber mehr als 8 Stunden müssen 14 Euro in der Reisekostenabrechnung vermerkt werden. Bei einer Mindestdauer von 24 Stunden können für jeden ganzen Tag 28 Euro abgerechnet werden sowie für An- und Abreisetag jeweils 14 Euro. Eine Beispielrechnung finden Sie in unserer ",{"text":2008,"type":52,"marks":2009},"kostenlose Vorlage für die Reisekostenabrechnung",[2010],{"type":191,"attrs":2011},{"href":2012,"uuid":2013,"anchor":17,"target":195,"linktype":196},"/de/blog/spesenabrechnung-vorlage-formular","4256cd90-b1ff-415a-9c25-e721d250c890",{"text":1033,"type":52},{"type":61,"attrs":2016,"content":2017},{"textAlign":17},[2018,2022],{"text":2019,"type":52,"marks":2020},"Die Übernachtungspauschale liegt momentan bei 20 Euro",[2021],{"type":261},{"text":2023,"type":52},". Allerdings wird die Hotelrechnung in der Regel auch bei höheren Beträgen vom Arbeitgeber übernommen. Übernachtungskosten, die nicht erstattet werden, können von Arbeitnehmer:in als Werbungskosten von der Steuer abgesetzt werden.",{"type":61,"attrs":2025,"content":2026},{"textAlign":17},[2027,2029,2036],{"text":2028,"type":52},"Warum die Pauschale so niedrig ist? Eine Theorie besagt, dass dies ",{"text":2030,"type":52,"marks":2031},"Spesenbetrug",[2032],{"type":191,"attrs":2033},{"href":2034,"uuid":2035,"anchor":17,"target":195,"linktype":196},"/de/blog/spesenbetrug","400d3c5b-e7d6-4d54-95ce-45d78f97cc21",{"text":2037,"type":52}," vorbeugen soll, falls Geschäftsreisende bei Freund:innen oder Verwandten unterkommen können.",{"type":46,"attrs":2039,"content":2040},{"level":210,"textAlign":17},[2041],{"text":2042,"type":52},"Verpflegungsmehraufwendungen: Gibt es Ausnahmen & Kürzungen?",{"type":61,"attrs":2044,"content":2045},{"textAlign":17},[2046],{"text":2047,"type":52},"Die Verpflegungspauschale wird in voller Höhe nur dann ausgezahlt, wenn die Dienstreisenden ihre Mahlzeiten selbst bezahlen. Falls der Arbeitgeber Mahlzeiten zur Verfügung stellt, wird der Pauschalbetrag entsprechend gekürzt.",{"type":219,"content":2049},[2050,2063],{"type":222,"content":2051},[2052],{"type":61,"attrs":2053,"content":2054},{"textAlign":17},[2055,2057,2061],{"text":2056,"type":52},"Wird das ",{"text":2058,"type":52,"marks":2059},"Frühstück",[2060],{"type":261},{"text":2062,"type":52}," nicht selbst bezahlt, werden 20 Prozent der Pauschale für den jeweiligen Tag abgezogen. (5,60 Euro bei Inlandsreise)",{"type":222,"content":2064},[2065],{"type":61,"attrs":2066,"content":2067},{"textAlign":17},[2068,2070,2074],{"text":2069,"type":52},"Bei ",{"text":2071,"type":52,"marks":2072},"Mittag- oder Abendessen",[2073],{"type":261},{"text":2075,"type":52},", die vom Arbeitgeber übernommen werden, entfällt sogar 40 Prozent der Pauschale. (11,20 Euro bei Inlandsreise)",{"type":61,"attrs":2077,"content":2078},{"textAlign":17},[2079],{"text":2080,"type":52},"Die Berechnung der Abzüge erfolgt stets auf Grundlage der Ganztagespauschale, und dies gilt auch für An- und Abreisetage.",{"type":61,"attrs":2082,"content":2083},{"textAlign":17},[2084,2086,2090],{"text":2085,"type":52},"Für kürzere Dienstreisen ist zu beachten, dass vom Arbeitgeber bereitgestellte Mahlzeiten lohnsteuerpflichtig sind. In diesem Zusammenhang kommen die sogenannten ",{"text":2087,"type":52,"marks":2088},"Sachbezugswerte",[2089],{"type":261},{"text":2091,"type":52}," zum Tragen, die bei der Abrechnung berücksichtigt werden müssen:",{"type":219,"content":2093},[2094,2101],{"type":222,"content":2095},[2096],{"type":61,"attrs":2097,"content":2098},{"textAlign":17},[2099],{"text":2100,"type":52},"Der Sachbezugswert für ein Frühstück beträgt derzeit 2,00 Euro.",{"type":222,"content":2102},[2103],{"type":61,"attrs":2104,"content":2105},{"textAlign":17},[2106],{"text":2107,"type":52},"Für ein Mittag- oder Abendessen liegt der Sachbezugswert bei 3,80 Euro.",{"type":46,"attrs":2109,"content":2110},{"level":210,"textAlign":17},[2111],{"text":2112,"type":52},"Rechenbeispiel: So berechnen Sie den Verpflegungsmehraufwand ",{"type":61,"attrs":2114,"content":2115},{"textAlign":17},[2116],{"text":2117,"type":52},"Ein praktisches Beispiel macht die Berechnung des Verpflegungsmehraufwands greifbarer.",{"type":200,"attrs":2119},{"id":2120,"body":2121},"89e0f4f9-2b44-4794-aaca-81164a3a44de",[2122],{"_uid":2123,"text":2124,"color":1414,"title":18,"component":1416},"i-d1e9f0eb-adce-4627-9de8-7a0f02bb0e99","**Ausgangssituation:**\n\n- 3-tägige Dienstreise innerhalb Deutschlands im Jahr 2026\n- Anreisetag: Montag, Abreisetag: Mittwoch\n- Abwesenheit:\n  - Montag: 9:00–20:00 Uhr (11 Stunden)\n  - Dienstag: 0:00–24:00 Uhr (voller Kalendertag)\n  - Mittwoch: 8:00–18:00 Uhr (10 Stunden)\n- Hotelübernachtung Montag auf Dienstag und Dienstag auf Mittwoch\n- Frühstück an beiden Tagen im Hotel inklusive (vom Arbeitgeber bezahlt), weitere Mahlzeiten selbst getragen.\n\n**1. Verpflegungspauschalen ohne Kürzung:**\n\n- Montag (Anreisetag, > 8 Std.): 14 €\n- Dienstag (voller Kalendertag): 28 €\n- Mittwoch (Abreisetag, > 8 Std.): 14 €\n\n**Summe brutto Verpflegungsmehraufwand:** 14 € + 28 € + 14 € = 56 €\n\n**2. Kürzung wegen gestellter Mahlzeiten:**\n\nDie Kürzung erfolgt auf Basis der Ganztagespauschale (28 €):\n\n- Frühstück Dienstag: 20 % von 28 € = 5,60 €\n- Frühstück Mittwoch: 20 % von 28 € = 5,60 €\n\n**Gesamtkürzung:** 11,20 €\n\n**3. Erstattungsfähiger Verpflegungsmehraufwand:**\n\n- 56 € (brutto) – 11,20 € (Kürzung) = **44,80 €**",{"type":61,"attrs":2126,"content":2127},{"textAlign":17},[2128],{"text":2129,"type":52},"Diesen Betrag kann die/der Mitarbeiter:in in der Reisekostenabrechnung ansetzen. Wird er nicht vom Arbeitgeber erstattet, kann er in der Steuererklärung als Werbungskosten geltend gemacht werden.",{"type":46,"attrs":2131,"content":2132},{"level":210,"textAlign":17},[2133],{"text":2134,"type":52},"Wie hoch sind die Verpflegungspauschalen im Ausland?",{"type":61,"attrs":2136,"content":2137},{"textAlign":17},[2138],{"text":2139,"type":52},"Die Tagessätze für den Verpflegungsmehraufwand im Ausland werden regelmäßig über BMF-Schreiben angepasst.",{"type":61,"attrs":2141,"content":2142},{"textAlign":17},[2143,2145,2151],{"text":2144,"type":52},"Für Auslandsdienstreisen ab dem 1. Januar 2026 gelten die im ",{"text":2146,"type":52,"marks":2147},"BMF-Schreiben vom 5. Dezember 2025",[2148],{"type":191,"attrs":2149},{"href":2150,"uuid":17,"anchor":17,"target":195,"linktype":120},"https://www.bundesfinanzministerium.de/Content/DE/Downloads/BMF_Schreiben/Steuerarten/Lohnsteuer/2025-12-05-steuerliche-behandlung-reisekosten-2026.pdf?__blob=publicationFile&v=4",{"text":2152,"type":52}," veröffentlichten Pauschbeträge für Verpflegungsmehraufwendungen und Übernachtungskosten.",{"type":61,"attrs":2154,"content":2155},{"textAlign":17},[2156,2158],{"text":2157,"type":52},"Wie bereits erwähnt gelten die Kategorien für die Verpflegungspauschalen für Geschäftsreisen ins In- und Ausland gleichermaßen. Allerdings ",{"text":2159,"type":52,"marks":2160},"können sich die Spesensätze je nach Land deutlich unterscheiden.",[2161],{"type":261},{"type":61,"attrs":2163,"content":2164},{"textAlign":17},[2165],{"text":2166,"type":52},"Während eine Übernachtung in London zum Beispiel 163 Euro kostet, fallen in Rom nur 150 Euro an. Für einen Tag in Tokio beträgt die Pauschale 50 Euro, in Athen sind es hingegen 40 Euro.",{"type":61,"attrs":2168,"content":2169},{"textAlign":17},[2170],{"text":2171,"type":52},"In der Auflistung sind auch die Preise in unterschiedlichen Regionen im gleichen Land berücksichtigt. So werden Sie in der Tabelle am Ende dieses Artikels sehen, dass eine Übernachtung in den USA z.B. in New York City teurer ist als in Los Angeles.",{"type":61,"attrs":2173,"content":2174},{"textAlign":17},[2175,2177,2181],{"text":2176,"type":52},"Anders als die Pauschalen für Dienstreisen innerhalb Deutschlands werden die ",{"text":2178,"type":52,"marks":2179},"Spesensätze für Ziele im Ausland häufig angepasst",[2180],{"type":261},{"text":2182,"type":52},". Die Aktualisierung für 2026 enthielt abermals Änderungen für einige Länder, Landesteile und Städte.",{"type":61,"attrs":2184,"content":2185},{"textAlign":17},[2186],{"text":2187,"type":52},"Hier ist eine Tabelle mit den häufigsten Reisezielen und den jeweiligen Verpflegungspauschalen im Ausland.",{"type":46,"attrs":2189,"content":2190},{"level":266,"textAlign":17},[2191],{"text":2192,"type":52},"Verpflegungsmehraufwand Tabelle (Ausland)",{"type":200,"attrs":2194},{"id":2195,"body":2196},"3ab5002c-ac91-4d08-89af-fe568c569f92",[2197],{"_uid":2198,"table":2199,"component":2350},"i-17281c64-d08b-4170-a602-e9b469d549ab",{"tbody":2200,"thead":2335,"fieldtype":2349},[2201,2218,2233,2248,2263,2278,2292,2307,2322],{"_uid":2202,"body":2203,"component":2217},"0b7871da-6324-489f-b90f-a7a7fbd2793b",[2204,2208,2211,2214],{"_uid":2205,"value":2206,"component":2207},"b2643189-d0d6-4f24-92cb-8005510c699b","Hongkong","_table_col",{"_uid":2209,"value":2210,"component":2207},"43f0a909-283b-4e02-a2f2-4e3735bbb6ae","56",{"_uid":2212,"value":2213,"component":2207},"12fa3669-b882-488f-8e58-98fcf8bfa6f8","83",{"_uid":2215,"value":2216,"component":2207},"8789ad7b-bcf4-4325-b172-3904fe4f7dcb","209","_table_row",{"_uid":2219,"body":2220,"component":2217},"27dcbf9d-7ecb-4894-98ef-e6560ed15872",[2221,2224,2227,2230],{"_uid":2222,"value":2223,"component":2207},"66b94e4e-707a-4e94-ab3b-dd7000eb5744","Paris ",{"_uid":2225,"value":2226,"component":2207},"b89926d0-0482-4ebe-9aa4-7c8db6356013","39",{"_uid":2228,"value":2229,"component":2207},"c7011ee7-5909-4349-ab6b-0a50b47261f4","58",{"_uid":2231,"value":2232,"component":2207},"1f5adb84-66b6-4221-ba1c-e8b3313864ab","159",{"_uid":2234,"body":2235,"component":2217},"08f6efc7-d476-4f42-8937-323e175f8f30",[2236,2239,2242,2245],{"_uid":2237,"value":2238,"component":2207},"89f1a69a-8cec-4158-b752-51c342ac6e4b","Rom",{"_uid":2240,"value":2241,"component":2207},"347f41ec-cbaa-4ad2-be9b-2c3accf6acd1","32",{"_uid":2243,"value":2244,"component":2207},"ea95c611-886a-4ce1-bcc4-b3c0fa4af748","48",{"_uid":2246,"value":2247,"component":2207},"f1a56032-c980-49fe-a7ab-5717619b5cf9","150",{"_uid":2249,"body":2250,"component":2217},"0e2fd2ff-3e49-43a1-a7f9-b89df32a6e06",[2251,2254,2257,2260],{"_uid":2252,"value":2253,"component":2207},"9386238e-43ef-457a-ad85-bdecc4e7d9f0","Mailand",{"_uid":2255,"value":2256,"component":2207},"923a0215-e71e-4270-845d-f73a564aece2","28",{"_uid":2258,"value":2259,"component":2207},"aaa8e306-c096-4ef8-817a-e7d663a885b6","42",{"_uid":2261,"value":2262,"component":2207},"4347a042-f0d1-40aa-8b7c-37a0d661f4a5","191",{"_uid":2264,"body":2265,"component":2217},"0c67a699-14d8-4c75-a6c8-f79e10008c84",[2266,2269,2272,2275],{"_uid":2267,"value":2268,"component":2207},"f605d06d-f2ef-4bb7-9ce2-d0a2cd3384ab","Tokio",{"_uid":2270,"value":2271,"component":2207},"dea781b9-9d3e-499e-ba74-4648b8bf7ef1","33",{"_uid":2273,"value":2274,"component":2207},"937c59e0-1926-4a85-8329-fdac54cb1902","50",{"_uid":2276,"value":2277,"component":2207},"9a1a0c3e-55ea-4f71-9cee-a2a1e3b38508","285",{"_uid":18,"body":2279,"component":2217},[2280,2283,2286,2289],{"_uid":2281,"value":2282,"component":2207},"5f6c2cce-d843-4a51-b314-9ec2fa51fa8b","Bern",{"_uid":2284,"value":2285,"component":2207},"b5674d23-58a0-4f06-91b4-fd85b8c0ce97","55",{"_uid":2287,"value":2288,"component":2207},"b7e0fdc9-2e66-4334-af9e-7d70ccffdc75","82",{"_uid":2290,"value":2291,"component":2207},"85b935f9-b05e-4455-ae5a-b80597bf3c78","195",{"_uid":2293,"body":2294,"component":2217},"aff2ecea-0580-4c59-abee-3065464d3c8b",[2295,2298,2301,2304],{"_uid":2296,"value":2297,"component":2207},"55a37420-e874-4d28-a90c-7f8ff21ac812","Barcelona",{"_uid":2299,"value":2300,"component":2207},"f2eebdd0-d688-4d64-bf45-48b4101fe755","23",{"_uid":2302,"value":2303,"component":2207},"4d008607-5c76-4b9a-8495-03120622781b","34",{"_uid":2305,"value":2306,"component":2207},"b0128b7f-31ac-461c-ab51-b09026fdd553","144",{"_uid":2308,"body":2309,"component":2217},"52e6a442-93c3-4734-819a-3a084ab42683",[2310,2313,2316,2319],{"_uid":2311,"value":2312,"component":2207},"7cd6d9dc-cbf0-438c-a7f2-a4c8a4b1068e","New 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Std. je\nKalendertag",{"_uid":2344,"value":2345,"component":2339},"f2f39ff7-dafb-495f-bfef-38fe04a4f8a2","Abwesenheit\nvon\nmind.\n24 Stunden\nje\nKalendertag",{"_uid":2347,"value":2348,"component":2339},"ef7bffcc-a090-4ee3-a2df-68d0b0d8a2e5","Übernachtungs-\npauschale","table","simpleTable",{"type":61,"attrs":2352,"content":2353},{"textAlign":17},[2354],{"text":2355,"type":52},"Sie benötigen weitere aktuelle Spesensätze für Dienstreisen ins Ausland?",{"type":61,"attrs":2357,"content":2358},{"textAlign":17},[2359,2364,2366,2371],{"text":2360,"type":52,"marks":2361},"Die vollständige Ländertabelle mit allen Pauschbeträgen für Verpflegungsmehraufwendungen und Übernachtungskosten 2026 finden",[2362],{"type":323,"attrs":2363},{"color":1962},{"text":2365,"type":52}," Sie ",{"text":2367,"type":52,"marks":2368},"hier",[2369],{"type":191,"attrs":2370},{"href":2150,"uuid":17,"anchor":17,"target":1231,"linktype":120},{"text":2372,"type":52},". ",{"type":61,"attrs":2374,"content":2375},{"textAlign":17},[2376,2378,2383],{"text":2377,"type":52},"Welche Spesensätze 2025 im Ausland gelten, finden Sie ",{"text":2367,"type":52,"marks":2379},[2380],{"type":191,"attrs":2381},{"href":2382,"uuid":17,"anchor":17,"target":1231,"linktype":120},"https://www.bundesfinanzministerium.de/Content/DE/Downloads/BMF_Schreiben/Steuerarten/Lohnsteuer/2024-12-02-steuerliche-behandlung-reisekosten-2025.pdf?__blob=publicationFile&v=15",{"text":2372,"type":52},{"type":46,"attrs":2385,"content":2386},{"level":210,"textAlign":17},[2387],{"text":2388,"type":52},"Häufige Fehler bei der Abrechnung des Verpflegungsmehraufwands",{"type":61,"attrs":2390,"content":2391},{"textAlign":17},[2392],{"text":2393,"type":52},"Trotz klarer Regeln passieren in der Praxis immer wieder ähnliche Fehler:",{"type":431,"attrs":2395,"content":2396},{"order":48},[2397,2411,2431,2445,2459],{"type":222,"content":2398},[2399,2409],{"type":61,"attrs":2400,"content":2401},{"textAlign":17},[2402,2406,2407],{"text":2403,"type":52,"marks":2404},"Abrechnung bei Abwesenheit unter 8 Stunden",[2405],{"type":261},{"type":69},{"text":2408,"type":52}," Seit der Reform 2014 sind Auswärtstätigkeiten mit einer Dauer von weniger als acht Stunden nicht mehr pauschal abrechenbar. Viele ältere Vorlagen oder Gewohnheiten berücksichtigen das noch nicht.",{"type":61,"attrs":2410},{"textAlign":17},{"type":222,"content":2412},[2413,2429],{"type":61,"attrs":2414,"content":2415},{"textAlign":17},[2416,2420,2421,2423,2427],{"text":2417,"type":52,"marks":2418},"Doppelte Geltendmachung",[2419],{"type":261},{"type":69},{"text":2422,"type":52}," Verpflegungspauschalen dürfen entweder über den Arbeitgeber erstattet ",{"text":2424,"type":52,"marks":2425},"oder",[2426],{"type":261},{"text":2428,"type":52}," in der Steuererklärung als Werbungskosten angesetzt werden – nicht beides. Hier kommt es häufig zu unbewusster Doppelverwendung.",{"type":61,"attrs":2430},{"textAlign":17},{"type":222,"content":2432},[2433,2443],{"type":61,"attrs":2434,"content":2435},{"textAlign":17},[2436,2440,2441],{"text":2437,"type":52,"marks":2438},"Nicht berücksichtigte Mahlzeitenkürzungen",[2439],{"type":261},{"type":69},{"text":2442,"type":52}," Gestellte Mahlzeiten (z. B. Hotel-Frühstück, Konferenz-Catering) müssen zu Kürzungen der Pauschalen führen. In der Praxis werden diese Kürzungen in Reisekostenformularen oft vergessen oder nur pauschal geschätzt.",{"type":61,"attrs":2444},{"textAlign":17},{"type":222,"content":2446},[2447,2457],{"type":61,"attrs":2448,"content":2449},{"textAlign":17},[2450,2454,2455],{"text":2451,"type":52,"marks":2452},"Falscher Umgang mit Auslandsreisen",[2453],{"type":261},{"type":69},{"text":2456,"type":52}," Für das Ausland gelten je nach Land und Stadt unterschiedliche Pauschbeträge. Häufig wird versehentlich mit den Inlandssätzen gerechnet oder es werden veraltete Auslandstabellen verwendet.",{"type":61,"attrs":2458},{"textAlign":17},{"type":222,"content":2460},[2461],{"type":61,"attrs":2462,"content":2463},{"textAlign":17},[2464,2468,2469],{"text":2465,"type":52,"marks":2466},"Unklare Abgrenzung bei doppelter Haushaltsführung",[2467],{"type":261},{"type":69},{"text":2470,"type":52}," Bei doppelter Haushaltsführung gelten Verpflegungspauschalen nur in den ersten drei Monaten. Danach können nur noch die Unterkunftskosten, nicht aber Verpflegungsmehraufwendungen abgesetzt werden – ein Detail, das leicht übersehen wird.",{"type":61,"attrs":2472,"content":2473},{"textAlign":17},[2474],{"text":2475,"type":52},"Mit einem professionellen Reisekosten-Tool lassen sich viele dieser Fehler automatisch vermeiden.",{"type":46,"attrs":2477,"content":2478},{"level":210,"textAlign":17},[2479],{"text":2480,"type":52},"Verpflegungspauschale berechnen - mit einem einfachen Tool",{"type":61,"attrs":2482,"content":2483},{"textAlign":17},[2484,2486,2493],{"text":2485,"type":52},"Unabhängig vom Ziel – am einfachsten ist es, ",{"text":2487,"type":52,"marks":2488},"Ihre Reisekostenabrechnung automatisch",[2489],{"type":191,"attrs":2490},{"href":2491,"uuid":2492,"anchor":17,"target":195,"linktype":196},"/de/use-cases/travel-spending","2a707a65-6597-4ae6-bbc2-5e3f13075706",{"text":2494,"type":52}," von einem intelligenten Tool regeln zu lassen.",{"type":61,"attrs":2496,"content":2497},{"textAlign":17},[2498],{"text":2499,"type":52},"Spendesk hat ein Modul zur Berechnung des Verpflegungsmehraufwands, das den Prozess vereinfacht, indem es automatisch den korrekten Betrag für Verpflegung basierend auf Reiseziel und -dauer berechnet. ",{"type":61,"attrs":2501,"content":2502},{"textAlign":17},[2503,2505],{"text":2504,"type":52},"Klingt interessant? ",{"text":2506,"type":52,"marks":2507},"Buchen Sie noch heute eine Demo mit unseren Expert:innen.",[2508],{"type":191,"attrs":2509},{"href":2510,"uuid":2511,"anchor":17,"target":195,"linktype":196,"story":2512},"/de/schedule-a-demo/","92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4",{"name":2513,"id":2514,"uuid":2511,"slug":2515,"url":2516,"full_slug":2517,"_stopResolving":151},"Schedule a demo",126838129,"schedule-a-demo","schedule-a-demo/","de/schedule-a-demo/",{"type":200,"attrs":2519},{"id":2520,"body":2521},"29a39222-e638-4556-8d55-4c1d52468b82",[2522],{"_uid":2523,"html":1790,"component":207},"i-1d6eb16c-ad8f-4c01-950a-97790428bbba",{"type":46,"attrs":2525,"content":2526},{"level":210,"textAlign":17},[2527],{"text":2528,"type":52},"FAQ zum Verpflegungsmehraufwand 2025 & 2026",{"type":61,"attrs":2530,"content":2531},{"textAlign":17},[2532],{"text":2533,"type":52},"Die wichtigsten Fragen und Antworten zum Verpflegungsmehraufwand 2025/2026.",{"type":46,"attrs":2535,"content":2536},{"level":266,"textAlign":17},[2537],{"text":1795,"type":52},{"type":61,"attrs":2539,"content":2540},{"textAlign":17},[2541],{"text":2542,"type":52},"Der Verpflegungsmehraufwand ist eine Pauschale für zusätzliche Verpflegungskosten, die Arbeitnehmer:innen während einer beruflich bedingten Auswärtstätigkeit entstehen. Sie kann steuerlich geltend gemacht oder vom Arbeitgeber erstattet werden.",{"type":46,"attrs":2544,"content":2545},{"level":266,"textAlign":17},[2546],{"text":2547,"type":52},"Wann kann ich Verpflegungspauschalen abrechnen?",{"type":61,"attrs":2549,"content":2550},{"textAlign":17},[2551],{"text":2552,"type":52},"Die Pauschalen gelten für Dienstreisen mit einer Abwesenheit von mehr als acht Stunden. Es gibt zwei Staffelungen:",{"type":219,"content":2554},[2555,2566],{"type":222,"content":2556},[2557],{"type":61,"attrs":2558,"content":2559},{"textAlign":17},[2560,2564],{"text":2561,"type":52,"marks":2562},"14 Euro",[2563],{"type":261},{"text":2565,"type":52}," für 8–24 Stunden bzw. An- und Abreisetage",{"type":222,"content":2567},[2568],{"type":61,"attrs":2569,"content":2570},{"textAlign":17},[2571,2575],{"text":2572,"type":52,"marks":2573},"28 Euro",[2574],{"type":261},{"text":2576,"type":52}," für volle 24 Stunden Abwesenheit",{"type":46,"attrs":2578,"content":2579},{"level":266,"textAlign":17},[2580],{"text":2581,"type":52},"Gilt das auch für Dienstreisen ins Ausland?",{"type":61,"attrs":2583,"content":2584},{"textAlign":17},[2585],{"text":2586,"type":52},"Ja, allerdings unterscheiden sich die Pauschalen je nach Land und teilweise sogar je nach Stadt oder Region. Eine Übersicht dazu finden Sie in der Auslandstabelle im Artikel.",{"type":46,"attrs":2588,"content":2589},{"level":266,"textAlign":17},[2590],{"text":2591,"type":52},"Was ist mit vom Arbeitgeber gestellten Mahlzeiten?",{"type":61,"attrs":2593,"content":2594},{"textAlign":17},[2595],{"text":2596,"type":52},"Wenn Mahlzeiten gestellt werden, wird eine Kürzung der Verpflegungspauschalen vorgenommen:",{"type":219,"content":2598},[2599,2609,2620],{"type":222,"content":2600},[2601],{"type":61,"attrs":2602,"content":2603},{"textAlign":17},[2604,2607],{"text":2058,"type":52,"marks":2605},[2606],{"type":261},{"text":2608,"type":52},": -20 % der Tagespauschale",{"type":222,"content":2610},[2611],{"type":61,"attrs":2612,"content":2613},{"textAlign":17},[2614,2618],{"text":2615,"type":52,"marks":2616},"Mittag-/Abendessen",[2617],{"type":261},{"text":2619,"type":52},": je -40 % der Tagespauschale",{"type":222,"content":2621},[2622],{"type":61,"attrs":2623,"content":2624},{"textAlign":17},[2625],{"text":2626,"type":52},"Diese Kürzungen gelten auch für An- und Abreisetage",{"type":46,"attrs":2628,"content":2629},{"level":266,"textAlign":17},[2630],{"text":2631,"type":52},"Kann ich die Pauschalen in der Steuererklärung geltend machen?",{"type":61,"attrs":2633,"content":2634},{"textAlign":17},[2635],{"text":2636,"type":52},"Ja, Sie können den Verpflegungsmehraufwand steuerlich absetzen, wenn Ihr Arbeitgeber die Pauschalen nicht erstattet hat. In diesem Fall geben Sie die Beträge in der Anlage N Ihrer Einkommensteuererklärung als Werbungskosten an.",{"type":46,"attrs":2638,"content":2639},{"level":266,"textAlign":17},[2640],{"text":2641,"type":52},"Was ist mit Dienstreisen unter 8 Stunden?",{"type":61,"attrs":2643,"content":2644},{"textAlign":17},[2645],{"text":2646,"type":52},"Für Auswärtstätigkeiten unter 8 Stunden gibt es keine Verpflegungspauschalen, diese sind seit der Reform 2014 ausgeschlossen.",{"type":46,"attrs":2648,"content":2649},{"level":266,"textAlign":17},[2650],{"text":2651,"type":52},"Gibt es 2026 Änderungen bei den Pauschalen?",{"type":61,"attrs":2653,"content":2654},{"textAlign":17},[2655],{"text":2656,"type":52},"Für Inlandsreisen bleiben die Spesen 2026 wie in den Vorjahren. Für Reisen ins Ausland wurden die Pauschalen zum 1. Januar 2026 teilweise angepasst (siehe Tabelle oben).",{"type":46,"attrs":2658,"content":2659},{"level":266,"textAlign":17},[2660],{"text":2661,"type":52},"Gilt der Verpflegungsmehraufwand auch bei doppelter Haushaltsführung?",{"type":61,"attrs":2663,"content":2664},{"textAlign":17},[2665],{"text":2666,"type":52},"Ja, bei einer doppelten Haushaltsführung – also wenn Sie aus beruflichen Gründen einen zweiten Wohnsitz am Arbeitsort führen – können Sie in den ersten drei Monaten ebenfalls Verpflegungspauschalen steuerlich absetzen. Die Regelungen orientieren sich an denen für Dienstreisen.",{"name":738,"created_at":739,"published_at":6,"updated_at":740,"id":741,"uuid":742,"content":2668,"slug":750,"full_slug":751,"sort_by_date":17,"position":752,"tag_list":2670,"is_startpage":14,"parent_id":754,"meta_data":17,"group_id":755,"first_published_at":756,"release_id":17,"lang":142,"path":17,"alternates":2671,"default_full_slug":758,"translated_slugs":2672,"_stopResolving":151},{"_uid":744,"icon":2669,"name":738,"component":749},{"id":746,"alt":747,"name":18,"focus":18,"title":18,"filename":748,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[2673,2674,2675],{"path":758,"name":17,"lang":147,"published":17},{"path":758,"name":17,"lang":142,"published":17},{"path":758,"name":17,"lang":150,"published":17},[142],[2678],{"_uid":2679,"asset":2680,"shadow":14,"caption":18,"overlay":2684,"component":772},"917bd2ff-bf95-41c0-a2e6-c48535f2d534",{"id":2681,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":2682,"copyright":18,"fieldtype":19,"meta_data":2683,"is_external_url":14},17828737,"https://a.storyblok.com/f/146026/1200x680/b2fe0e8f89/verpflegungsmehraufwand-spesensatze-dienstreisen_pink-2.png",{},[],[],"2025-12-29 00:00","6",[],"Verpflegungsmehraufwand 2025 & 2026 in Deutschland: Erfahren Sie, welche Pauschalen für Dienstreisen gelten, sowie die aktuellen Sätze fürs Ausland. Jetzt lesen! ",[2691],{"_uid":2692,"items":2693,"heading":2730,"reverse":14,"component":836,"sectionSettings":2748},"321974f2-a560-48aa-a4d3-2754cc0d04ec",[2694,2703,2712,2721],{"_uid":2695,"title":2696,"component":784,"description":2697},"efdd3e4c-6e65-49eb-b282-73edecd9432f","Wie viel Verpflegungsmehraufwand kann ich bei Dienstreisen in Deutschland ansetzen?",{"type":43,"content":2698},[2699],{"type":61,"content":2700},[2701],{"text":2702,"type":52},"Spendesk unterstützt die korrekte Erfassung und Abrechnung von Verpflegungsmehraufwand gemäß geltender Steuervorschriften, indem Mitarbeiter Pauschalen als Auslagenkategorie wählen und Belege digital hochladen. Die automatische Spesenregel-Prüfung in Spendesk stellt sicher, dass passende Pauschalen angewendet und geprüfte Daten für den Buchhaltungsexport bereitgestellt werden.",{"_uid":2704,"title":2705,"component":784,"description":2706},"691a0176-3543-4096-a360-0e75524a2de8","Wie dokumentiere ich Verpflegungsmehraufwand korrekt für die Spesenabrechnung?",{"type":43,"content":2707},[2708],{"type":61,"content":2709},[2710],{"text":2711,"type":52},"Spendesk speichert digitale Belege und Zeitstempel für Dienstreisen, sodass Verpflegungsmehraufwand mit Datum, Reisedauer und zugeordnetem Projekt lückenlos dokumentiert wird. Die mobile Belegfunktion und automatische Kategorisierung in Spendesk reduziert manuelle Eingaben und ermöglicht den direkten Export der Spesenabrechnung in gängige Buchhaltungssysteme.",{"_uid":2713,"title":2714,"component":784,"description":2715},"b809138f-981d-42c7-b220-393ccfcfbbe3","Wann gelten verkürzte oder volle Verpflegungspauschalen bei Dienstreisen?",{"type":43,"content":2716},[2717],{"type":61,"content":2718},[2719],{"text":2720,"type":52},"Spendesk ordnet automatisch Verpflegungspauschalen basierend auf Reisedauer und Abwesenheitszeiten zu, indem die Reisedaten aus Spesenanträgen oder Kartenabrechnungen verwendet werden. Die Regelengine von Spendesk wendet firmenspezifische Spesenrichtlinien an, dokumentiert Pauschalzuordnungen und liefert Audit-Reports für Steuerprüfungen und den Buchhaltungsexport, mit Zeitstempel und Nutzerangaben.",{"_uid":2722,"title":2723,"component":784,"description":2724},"0e6a9cb5-399b-45d2-a9f2-18765e500841","Wie unterstützt Spendesk die Erstattung von Verpflegungsmehraufwand an Mitarbeiter?",{"type":43,"content":2725},[2726],{"type":61,"content":2727},[2728],{"text":2729,"type":52},"Spendesk automatisiert die Erstattung von Verpflegungsmehraufwand durch eine kombinierte Lösung aus Karten, mobilen Spesenanträgen und automatisierten Genehmigungsworkflows. 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Beschaffungsprozess ist ein wesentlicher Bestandteil des Einkaufsmanagements und umfasst alle Aktivitäten rund um den Erwerb von Waren oder Dienstleistungen für ein Unternehmen. ",[2839],{"type":323,"attrs":2840},{"color":2841},"rgb(0, 0, 0)",{"type":61,"content":2843},[2844],{"text":2845,"type":52,"marks":2846},"Hier erfahren Sie, welche einzelnen Phasen des Beschaffungsprozesses es gibt und wie Sie ihn optimieren können, um Effizienz zu steigern und Kosten zu senken.",[2847],{"type":323,"attrs":2848},{"color":963},{"type":200,"attrs":2850},{"id":2851,"body":2852},"04352852-bd3f-4243-b8f7-5f2a39a11b99",[2853],{"_uid":2854,"html":2855,"component":207},"i-5e047105-cb43-43cf-8337-0479915227b7","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-bc0706f5-090a-4be8-ba49-7f539e6dd5e1\">\u003Cspan class=\"hs-cta-node hs-cta-bc0706f5-090a-4be8-ba49-7f539e6dd5e1\" id=\"hs-cta-bc0706f5-090a-4be8-ba49-7f539e6dd5e1\">\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/bc0706f5-090a-4be8-ba49-7f539e6dd5e1\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-bc0706f5-090a-4be8-ba49-7f539e6dd5e1\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/bc0706f5-090a-4be8-ba49-7f539e6dd5e1.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, 'bc0706f5-090a-4be8-ba49-7f539e6dd5e1', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":46,"attrs":2857,"content":2858},{"level":210},[2859],{"text":2860,"type":52},"Was ist Beschaffung?",{"type":61,"content":2862},[2863,2865,2871],{"text":2864,"type":52},"Beschaffung (oft auch als ",{"text":2813,"type":52,"marks":2866},[2867],{"type":191,"attrs":2868},{"href":2869,"uuid":2870,"anchor":17,"target":195,"linktype":196},"/de/glossary/procurement","27928e0d-955e-452f-b761-b0ea8fae4ebe",{"text":2872,"type":52},", Akquisition oder Purchasing bezeichnet) bezieht sich auf alle Aktivitäten, die notwendig sind, um die Produkte und Dienstleistungen zu erhalten, die ein Unternehmen für seinen täglichen Betrieb benötigt. ",{"type":61,"content":2874},[2875,2881,2883,2888,2894,2898,2904],{"text":2876,"type":52,"marks":2877},"Die Grundlage von ",[2878],{"type":323,"attrs":2879},{"color":2880},"#152637",{"text":2882,"type":52},"Beschaffungsprozessen",{"text":2884,"type":52,"marks":2885}," ist nichts anderes als die Frage: „",[2886],{"type":323,"attrs":2887},{"color":2880},{"text":2889,"type":52,"marks":2890},"Wie kommen wir bestmöglich an alle ",[2891,2892],{"type":1471},{"type":323,"attrs":2893},{"color":2880},{"text":2895,"type":52,"marks":2896},"benötigten Güter",[2897],{"type":1471},{"text":2899,"type":52,"marks":2900},"?",[2901,2902],{"type":1471},{"type":323,"attrs":2903},{"color":2880},{"text":2905,"type":52,"marks":2906},"”  ",[2907],{"type":323,"attrs":2908},{"color":2880},{"type":61,"content":2910},[2911,2916,2918,2923],{"text":2912,"type":52,"marks":2913},"Damit Unternehmen im ",[2914],{"type":323,"attrs":2915},{"color":2880},{"text":2917,"type":52},"Einkauf",{"text":2919,"type":52,"marks":2920}," nichts vergessen, nichts doppelt kaufen und keine unvorteilhaften Verträge abschließen, implementieren sie strukturierte Abläufe – den ",[2921],{"type":323,"attrs":2922},{"color":2880},{"text":2924,"type":52},"Beschaffungsprozess.",{"type":61,"content":2926},[2927],{"text":2928,"type":52,"marks":2929},"Der Beschaffungsprozess dient dazu… ",[2930,2931],{"type":261},{"type":323,"attrs":2932},{"color":1216},{"type":219,"content":2934},[2935,2944,2953,2962,2973],{"type":222,"content":2936},[2937],{"type":61,"content":2938},[2939],{"text":2940,"type":52,"marks":2941},"die richtige Ware",[2942],{"type":323,"attrs":2943},{"color":1216},{"type":222,"content":2945},[2946],{"type":61,"content":2947},[2948],{"text":2949,"type":52,"marks":2950},"in der richtigen Menge ",[2951],{"type":323,"attrs":2952},{"color":1216},{"type":222,"content":2954},[2955],{"type":61,"content":2956},[2957],{"text":2958,"type":52,"marks":2959},"und Qualität",[2960],{"type":323,"attrs":2961},{"color":1216},{"type":222,"content":2963},[2964],{"type":61,"content":2965},[2966,2971],{"text":2967,"type":52,"marks":2968},"zum richtigen Zeitpunkt ",[2969],{"type":323,"attrs":2970},{"color":1216},{"text":2972,"type":52},"zum richtigen Zeitpunkt und am richtigen Ort",{"type":222,"content":2974},[2975],{"type":61,"content":2976},[2977],{"text":2978,"type":52,"marks":2979},"und zu den bestmöglichen Konditionen zu beschaffen. ",[2980],{"type":323,"attrs":2981},{"color":1216},{"type":61,"content":2983},[2984],{"text":2985,"type":52,"marks":2986},"Im schnelllebigen Geschäftsalltag müssen Beschaffungsprozesse ein schwieriges Gleichgewicht halten: Einkaufsentscheidungen müssen ohne bürokratische Hürden möglich sein, damit Abteilungen kurzfristig reagieren und produktiv arbeiten können. ",[2987],{"type":323,"attrs":2988},{"color":1216},{"type":61,"content":2990},[2991,2996],{"text":2992,"type":52,"marks":2993},"Gleichzeitig führen zu kurze Prozesse zu mangelnder Kontrolle und fördern Fehlentscheidungen, die oft erst dann auffallen, wenn fragwürdige Rechnungen bei der Finanzabteilung eingehen und Budgets sprengen. Hier finden Sie eine",[2994],{"type":323,"attrs":2995},{"color":1216},{"text":2997,"type":52,"marks":2998}," Anleitung, wie Sie mit diesem Spannungsfeld umgehen können.",[2999,3003,3006],{"type":191,"attrs":3000},{"href":3001,"uuid":3002,"anchor":17,"target":195,"linktype":196},"/de/blog/einkaufsprozess","3aec91b7-1796-4c21-a739-fabc9c8c2a70",{"type":323,"attrs":3004},{"color":3005},"#1155CC",{"type":3007},"underline",{"type":61,"content":3009},[3010],{"text":3011,"type":52},"In einigen Fällen gehört auch eine Make-or-Buy-Entscheidung dazu, bei der Unternehmen abwägen, ob sie ein Produkt selbst herstellen oder es extern beschaffen. Die Wahl hängt von Faktoren wie Kosten, Qualität und den Bedürfnissen des Unternehmens ab.",{"type":200,"attrs":3013},{"id":3014,"body":3015},"85f234a4-c54f-444d-af23-5da649bd4053",[3016],{"_uid":3017,"type":18,"asset":3018,"caption":18,"overlay":3023,"component":772},"i-04cf2566-fb8d-46b3-b0c9-bf73eb8754e2",{"id":3019,"alt":3020,"name":18,"focus":18,"title":18,"source":18,"filename":3021,"copyright":18,"fieldtype":19,"meta_data":3022,"is_external_url":14},22564024,"Menschen, die ein Tablet und einen Laptop auf einem Glastisch benutzen und in einem gemütlichen Innenraum über digitale Inhalte diskutieren.","https://a.storyblok.com/f/146026/3600x2300/c8d6784887/beschaffungsprozess.jpg",{"alt":3020,"title":18,"source":18,"copyright":18},[],{"type":46,"attrs":3025,"content":3026},{"level":266},[3027],{"text":3028,"type":52},"Beschaffungsprozess & Einkauf",{"type":61,"content":3030},[3031],{"text":3032,"type":52,"marks":3033},"Einkauf und Beschaffung sind zwei Begriffe, die oft verwechselt werden, obwohl sie sich in Umfang, Ziel und Dauer deutlich unterscheiden.",[3034],{"type":323,"attrs":3035},{"color":963},{"type":46,"attrs":3037,"content":3038},{"level":990},[3039],{"text":3040,"type":52},"Beschaffung umfasst:",{"type":219,"content":3042},[3043,3053,3063],{"type":222,"content":3044},[3045],{"type":61,"content":3046},[3047,3051],{"text":3048,"type":52,"marks":3049},"Umfang:",[3050],{"type":261},{"text":3052,"type":52}," Die Aufgaben der Beschaffung umfassen die Einholung von Waren und Dienstleistungen, einschließlich der Beschaffung selbst, der Verhandlung, des Kaufs, der Entgegennahme und der Erfassung.",{"type":222,"content":3054},[3055],{"type":61,"content":3056},[3057,3061],{"text":3058,"type":52,"marks":3059},"Ziel:",[3060],{"type":261},{"text":3062,"type":52}," Konzentriert sich darauf, den besten Wert aus den Produkten oder Dienstleistungen für die Geschäftsrentabilität zu erzielen.",{"type":222,"content":3064},[3065],{"type":61,"content":3066},[3067,3071],{"text":3068,"type":52,"marks":3069},"Dauer:",[3070],{"type":261},{"text":3072,"type":52}," Langfristig ausgerichtet, mit dem Ziel, eine für beide Seiten vorteilhafte Beziehung zu den Lieferanten aufzubauen.",{"type":46,"attrs":3074,"content":3075},{"level":990},[3076],{"text":3077,"type":52},"Einkauf umfasst:",{"type":219,"content":3079},[3080,3089,3098],{"type":222,"content":3081},[3082],{"type":61,"content":3083},[3084,3087],{"text":3048,"type":52,"marks":3085},[3086],{"type":261},{"text":3088,"type":52}," Bezieht sich lediglich auf den Kauf von Waren und Dienstleistungen, ist also ein Teil des umfassenderen Beschaffungsprozesses.",{"type":222,"content":3090},[3091],{"type":61,"content":3092},[3093,3096],{"text":3058,"type":52,"marks":3094},[3095],{"type":261},{"text":3097,"type":52}," Fokussiert sich auf die Erzielung des besten Preises.",{"type":222,"content":3099},[3100],{"type":61,"content":3101},[3102,3105],{"text":3068,"type":52,"marks":3103},[3104],{"type":261},{"text":3106,"type":52}," Kurzfristig und transaktional, ohne langfristige Perspektive auf die Lieferantenbeziehung.",{"type":46,"attrs":3108,"content":3109},{"level":210},[3110],{"text":3111,"type":52},"Operative, taktische und strategische Beschaffung",{"type":61,"content":3113},[3114],{"text":3115,"type":52},"Im Beschaffungswesen unterscheidet man drei Arten von Beschaffung: ",{"type":200,"attrs":3117},{"id":3014,"body":3118},[3119],{"_uid":3120,"table":3121,"component":2350,"noLineBreak":14},"i-ea395d0a-01cc-4e63-955b-065e7b9e53d0",{"tbody":3122,"thead":3147,"fieldtype":2349},[3123,3135],{"_uid":3124,"body":3125,"component":2217},"6d9d5228-80d3-4a7c-b3a3-6f2feb89fee9",[3126,3129,3132],{"_uid":3127,"value":3128,"component":2207},"0dc543a9-ceb4-4f3b-8c58-57560c6debec","Langfristige Planung und Ausrichtung",{"_uid":3130,"value":3131,"component":2207},"6878ca4a-c7d6-4212-8e32-5e77e3816e80","Mittelfristige Maßnahmen, z. B. Vertragsverhandlungen",{"_uid":3133,"value":3134,"component":2207},"799a871c-a6ac-45c9-b45a-11a964ff2282","Tagesgeschäft, z. B. Bestellabwicklung",{"_uid":3136,"body":3137,"component":2217},"51a8fead-100c-4a88-9ea6-1f6e22c2320a",[3138,3141,3144],{"_uid":3139,"value":3140,"component":2207},"d1a0515d-8e2a-4048-a41c-2c12555c0490","Fokus auf Lieferantenentwicklung, Marktanalysen, Kostenstrategie",{"_uid":3142,"value":3143,"component":2207},"5214d163-e399-4af9-a1ec-dfb9196174d9","Anpassungen im Lieferantenmanagement, Bedarfsvorhersagen",{"_uid":3145,"value":3146,"component":2207},"4064231e-a6f0-452f-b3a2-ee17b216b64f","Mengenplanung, Terminsteuerung, Rechnungsprüfung",[3148,3151,3154],{"_uid":3149,"value":3150,"component":2339},"cf62933a-fde4-46b7-a08a-9a450d4a6401","Strategische Beschaffung\n",{"_uid":3152,"value":3153,"component":2339},"d553c3a8-914c-4a1b-972e-6adfd2c23241","Taktische Beschaffung",{"_uid":3155,"value":3156,"component":2339},"9aa821d7-7d26-4ff8-8d03-560d5166189c","Operative Beschaffung",{"type":61,"content":3158},[3159],{"text":3160,"type":52},"Ein Unternehmen, das alle drei Bereiche gut miteinander verzahnt, wird langfristig wettbewerbsfähiger und resilienter gegenüber Marktschwankungen.",{"type":61,"content":3162},[3163,3165,3172,3179],{"text":3164,"type":52},"Sie möchten mehr darüber erfahren, wie Sie eine gute und nachhaltige Beschaffungsstrategie aufstellen? Dann lesen Sie unseren Artikel",{"text":3166,"type":52,"marks":3167}," \"",[3168],{"type":191,"attrs":3169},{"href":3170,"uuid":3171,"anchor":17,"target":195,"linktype":196},"/de/blog/erfolgreiche-beschaffungsstrategie","c88c77d4-5e8e-4f35-b6cf-0ec1e8a486ca",{"text":3173,"type":52,"marks":3174},"So entwickeln Sie 2025 eine erfolgreiche Beschaffungsstrategie\"",[3175,3177],{"type":191,"attrs":3176},{"href":3170,"uuid":3171,"anchor":17,"target":195,"linktype":196},{"type":323,"attrs":3178},{"color":1216},{"text":1033,"type":52,"marks":3180},[3181],{"type":323,"attrs":3182},{"color":1216},{"type":46,"attrs":3184,"content":3185},{"level":210},[3186],{"text":3187,"type":52,"marks":3188},"Die 5 Phasen eines Beschaffungsprozesses",[3189],{"type":323,"attrs":3190},{"color":2841},{"type":61,"content":3192},[3193],{"text":3194,"type":52},"Nicht jeder Einkauf läuft nach demselben Prozess ab. Es ist etwas anderes, ob Bürobedarf bestellt, eine Maschine für die Produktion ausgetauscht oder eine Beraterin engagiert werden soll. Auch das Geschäftsmodell an sich und ob in der Produktion mit oder ohne Lagerhaltung geplant wird, spielt eine Rolle. ",{"type":61,"content":3196},[3197],{"text":3198,"type":52},"Trotzdem lässt sich der Beschaffungsprozess grob in fünf Phasen unterteilen, die je nach Unternehmen, Art der Beschaffung und anderen Faktoren mehr oder weniger umfangreich ausfallen. Der Ablauf eines Beschaffungsprozesses sieht meist so aus: ",{"type":46,"attrs":3200,"content":3201},{"level":266},[3202],{"text":3203,"type":52,"marks":3204},"1. Bedarfsermittlung",[3205],{"type":323,"attrs":3206},{"color":2841},{"type":61,"content":3208},[3209,3214,3219,3224],{"text":3210,"type":52,"marks":3211},"In dieser Phase identifiziert das Unternehmen oder, wenn vorhanden, die ",[3212],{"type":323,"attrs":3213},{"color":325},{"text":3215,"type":52,"marks":3216},"Einkaufsabteilung",[3217],{"type":323,"attrs":3218},{"color":18},{"text":3220,"type":52,"marks":3221}," den Bedarf an Waren oder Dienstleistungen. ",[3222],{"type":323,"attrs":3223},{"color":325},{"text":3225,"type":52,"marks":3226},"Welche Ressourcen werden benötigt, in welcher Menge und Qualität sie benötigt werden und bis wann? Die Bedarfsermittlung zeigt, was wirklich gebraucht wird und sollte unnötige Ausgaben und Engpässe vermeiden.",[3227],{"type":323,"attrs":3228},{"color":2841},{"type":46,"attrs":3230,"content":3231},{"level":266},[3232],{"text":3233,"type":52,"marks":3234},"2. Lieferantenauswahl",[3235],{"type":323,"attrs":3236},{"color":2841},{"type":61,"content":3238},[3239,3246],{"text":3240,"type":52,"marks":3241},"Die Auswahl geeigneter Lieferanten",[3242],{"type":191,"attrs":3243},{"href":3244,"uuid":3245,"anchor":17,"target":195,"linktype":196},"/de/blog/lieferantenbewertung","278cdbe6-c0d0-4a14-a69a-54041ea3a6ba",{"text":3247,"type":52}," erfolgt anhand festgelegter Kriterien wie Preis-Leistungs-Verhältnis, Qualität, Zuverlässigkeit und Lieferzeit. Potenzielle Lieferanten werden bewertet, um sicherzustellen, dass sie den Anforderungen entsprechen.",{"type":46,"attrs":3249,"content":3250},{"level":266},[3251],{"text":3252,"type":52,"marks":3253},"3. Bestellprozess",[3254],{"type":323,"attrs":3255},{"color":2841},{"type":61,"content":3257},[3258,3263,3272],{"text":3259,"type":52,"marks":3260},"Nach der Lieferantenauswahl folgt der operative Teil: Das Einholen von Angeboten, das Bearbeiten der Bestellanforderung (BANF), die Preisverhandlung und die Bestellung. Moderne Unternehmen setzen hier auf ",[3261],{"type":323,"attrs":3262},{"color":963},{"text":3264,"type":52,"marks":3265},"Procure-to-Pay-Prozesse",[3266,3270],{"type":191,"attrs":3267},{"href":3268,"uuid":3269,"anchor":17,"target":195,"linktype":196},"/de/blog/ganzheitlicher-procure-to-pay-prozess","5b841adb-6169-4964-ad15-9dc12f737ea3",{"type":323,"attrs":3271},{"color":963},{"text":3273,"type":52,"marks":3274},", um Effizienz und Transparenz zu erhöhen.",[3275],{"type":323,"attrs":3276},{"color":963},{"type":46,"attrs":3278,"content":3279},{"level":266},[3280],{"text":3281,"type":52,"marks":3282},"4. Wareneingang und Qualitätskontrolle",[3283],{"type":323,"attrs":3284},{"color":2841},{"type":61,"content":3286},[3287,3292,3297,3302,3307],{"text":3288,"type":52,"marks":3289},"Sobald die Waren oder Dienstleistungen geliefert wurden, erfolgt der Wareneingang und eine Qualitätskontrolle. Dabei wird überprüft, ob die gelieferten Produkte den vereinbarten Spezifikationen und Qualitätsstandards entsprechen. ",[3290],{"type":323,"attrs":3291},{"color":2841},{"text":3293,"type":52,"marks":3294},"Zudem wird darauf geachtet, ob die ",[3295],{"type":323,"attrs":3296},{"color":325},{"text":3298,"type":52,"marks":3299},"Lieferfristen",[3300],{"type":323,"attrs":3301},{"color":18},{"text":3303,"type":52,"marks":3304}," eingehalten wurden. ",[3305],{"type":323,"attrs":3306},{"color":325},{"text":3308,"type":52,"marks":3309},"Bei Abweichungen können entsprechende Maßnahmen ergriffen werden, wie z.B. die Rücksendung von defekten Produkten oder die Durchführung von Nachbesserungen.",[3310],{"type":323,"attrs":3311},{"color":2841},{"type":46,"attrs":3313,"content":3314},{"level":266},[3315,3320,3322],{"text":3316,"type":52,"marks":3317},"5. ",[3318],{"type":323,"attrs":3319},{"color":2841},{"text":3321,"type":52},"Rechnungs- und ",{"text":3323,"type":52,"marks":3324},"Zahlungsabwicklung",[3325],{"type":323,"attrs":3326},{"color":18},{"type":61,"content":3328},[3329,3331,3338],{"text":3330,"type":52},"Schließlich werden die ",{"text":3332,"type":52,"marks":3333},"erhaltenen Rechnungen",[3334],{"type":191,"attrs":3335},{"href":3336,"uuid":3337,"anchor":17,"target":195,"linktype":196},"/glossary/eingangsrechnung","b12369ef-2a64-4b00-8ecc-5af6a4edb150",{"text":3339,"type":52}," auf ihre Vollständigkeit und Übereinstimmung mit den Bestellungen und Verträgen geprüft, bevor sie zur Zahlung freigegeben werden. Dies umfasst die Abstimmung der Rechnungsinformationen, wie Preise und Mengen, mit den entsprechenden Bestelldaten und die Bearbeitung der Rechnungen gemäß den vereinbarten Zahlungsbedingungen.",{"type":46,"attrs":3341,"content":3342},{"level":210},[3343],{"text":3344,"type":52,"marks":3345},"7 Faktoren zur Optimierung von Beschaffungsprozessen",[3346],{"type":323,"attrs":3347},{"color":2841},{"type":61,"content":3349},[3350,3355,3360,3371],{"text":3351,"type":52,"marks":3352},"Selbst einfache Beschaffungsprozesse involvieren oft verschiedene Abteilungen im Unternehmen: ",[3353],{"type":323,"attrs":3354},{"color":963},{"text":3356,"type":52,"marks":3357},"Angestellte als Bedarfsermittler:innen, deren Vorgesetzte, die Einkaufs- und Finanzabteilung sowie das Qualitätsmanagement und letztendlich die ",[3358],{"type":323,"attrs":3359},{"color":2841},{"text":3361,"type":52,"marks":3362},"Rechnungsprüfung",[3363,3367,3370],{"type":191,"attrs":3364},{"href":3365,"uuid":3366,"anchor":17,"target":195,"linktype":196},"/de/product/invoice-management","9e3b6790-947e-43d1-acab-ba4d5dcd9ea8",{"type":323,"attrs":3368},{"color":3369},"rgb(17, 85, 204)",{"type":3007},{"text":3372,"type":52,"marks":3373},". ",[3374],{"type":323,"attrs":3375},{"color":2841},{"type":61,"content":3377},[3378],{"text":3379,"type":52,"marks":3380},"Dementsprechend umfangreich sind die negativen Auswirkungen stockender Prozesse: Sie schränken Produktivität durch Verzögerungen ein, verursachen hohe Kosten und können zu einer geringeren Wettbewerbsfähigkeit des Unternehmens führen. Wenn die Beschaffung zu langwierig oder komplex ist, kaufen Angestellte bisweilen sogar einfach abseits des vorgegebenen Prozesses ein (der sogenannte Maverick-Buying-Effekt).",[3381],{"type":323,"attrs":3382},{"color":2841},{"type":61,"content":3384},[3385],{"text":3386,"type":52,"marks":3387},"Um Beschaffungsprozesse zu optimieren, können Sie die Beschaffung kontinuierlich entlang der folgenden Faktoren verbessern: ",[3388],{"type":323,"attrs":3389},{"color":963},{"type":431,"attrs":3391,"content":3393},{"order":3392},{"order":48},[3394,3435,3480,3496,3513,3529,3587],{"type":222,"content":3395},[3396,3434],{"type":61,"content":3397},[3398,3404,3409,3414,3419,3424,3429],{"text":3399,"type":52,"marks":3400},"Standardisierung und Automatisierung",[3401,3402],{"type":261},{"type":323,"attrs":3403},{"color":2841},{"text":3405,"type":52,"marks":3406},": Durch die Standardisierung von Beschaffungsprozessen können wiederkehrende Aufgaben automatisiert werden ",[3407],{"type":323,"attrs":3408},{"color":2841},{"text":3410,"type":52,"marks":3411},"- und das von ",[3412],{"type":323,"attrs":3413},{"color":325},{"text":3415,"type":52,"marks":3416},"Procure-to-Pay",[3417],{"type":323,"attrs":3418},{"color":18},{"text":3420,"type":52,"marks":3421},". Entwickeln Sie ein jeweils immer gleiches Vorgehen für den Abschluss von Einzelbestellungen, Rahmenverträgen, Ausschreibungsverfahren, ",[3422],{"type":323,"attrs":3423},{"color":2841},{"text":3425,"type":52,"marks":3426},"Vertragsverhandlungen",[3427],{"type":323,"attrs":3428},{"color":18},{"text":3430,"type":52,"marks":3431},", etc. Das spart nicht nur Zeit, sondern reduziert auch Fehler. Automatisierte Beschaffungssysteme ermöglichen eine schnellere Bestellabwicklung, Lieferantenkommunikation und Rechnungsverarbeitung.",[3432],{"type":323,"attrs":3433},{"color":2841},{"type":61},{"type":222,"content":3436},[3437,3479],{"type":61,"content":3438},[3439,3445,3450,3459,3464,3469,3474],{"text":3440,"type":52,"marks":3441},"Lieferantenmanagement",[3442,3443],{"type":261},{"type":323,"attrs":3444},{"color":2841},{"text":3446,"type":52,"marks":3447},": ",[3448],{"type":323,"attrs":3449},{"color":2841},{"text":3451,"type":52,"marks":3452},"Wer einmal einen verlässlichen und qualitativ hochwertigen Lieferanten gefunden hat",[3453,3457],{"type":191,"attrs":3454},{"href":3455,"uuid":3456,"anchor":17,"target":195,"linktype":196},"/de/blog/lieferantenmanagement","8fefc281-b6d2-48df-94b3-4b29dc9947a0",{"type":323,"attrs":3458},{"color":2841},{"text":3460,"type":52,"marks":3461},", kann durch regelmäßige Verhandlungen die Weichen für eine langfristige Zusammenarbeit ",[3462],{"type":323,"attrs":3463},{"color":2841},{"text":3465,"type":52,"marks":3466},"und gute ",[3467],{"type":323,"attrs":3468},{"color":325},{"text":3470,"type":52,"marks":3471},"Lieferantenbeziehung",[3472],{"type":323,"attrs":3473},{"color":18},{"text":3475,"type":52,"marks":3476}," stellen. Offene Kommunikation hilft dabei, Qualität, Preise und Lieferzeit kontinuierlich zu verbessern. ",[3477],{"type":323,"attrs":3478},{"color":2841},{"type":61},{"type":222,"content":3481},[3482,3495],{"type":61,"content":3483},[3484,3490],{"text":3485,"type":52,"marks":3486},"Lieferantenkonsolidierung",[3487,3488],{"type":261},{"type":323,"attrs":3489},{"color":2841},{"text":3491,"type":52,"marks":3492},": Die Bündelung von Einkaufsvolumina bei wenigen Lieferanten kann zu besseren Konditionen führen. Deswegen lohnt sich eine sorgfältige Analyse der Lieferantenbasis und eine gezielte Konsolidierung.",[3493],{"type":323,"attrs":3494},{"color":2841},{"type":61},{"type":222,"content":3497},[3498,3512],{"type":61,"content":3499},[3500,3506,3510],{"text":3501,"type":52,"marks":3502},"Bestandsmanagement",[3503,3504],{"type":261},{"type":323,"attrs":3505},{"color":2841},{"text":3446,"type":52,"marks":3507},[3508],{"type":323,"attrs":3509},{"color":2841},{"text":3511,"type":52},"Für produzierende Unternehmen minimiert eine effiziente Bestandsführung Lagerkosten und vermeidet Überbestände oder Engpässe. Durch die Nutzung von Bestandsmanagement-Tools und -Techniken, wie der Just-in-Time-Beschaffung (JIT) oder Vendor-Managed Inventory (VMI) kann der Bestand optimiert und das Supply Chain Management (Lieferkette) rationalisiert werden.",{"type":61},{"type":222,"content":3514},[3515,3528],{"type":61,"content":3516},[3517,3523],{"text":3518,"type":52,"marks":3519},"Leistungs- und Qualitätsprüfung:",[3520,3521],{"type":261},{"type":323,"attrs":3522},{"color":2841},{"text":3524,"type":52,"marks":3525}," Nicht jeder Lieferant wird langfristig überzeugen können. Damit schlechte Anbieter identifiziert und aus der Lieferantenbasis herausgenommen werden können, braucht es eine systematische Messung der Beschaffungsleistung. Kennzahlen wie Lieferzeiten, Fehlerquoten und Kundenzufriedenheit können Schwachstellen sichtbar machen.",[3526],{"type":323,"attrs":3527},{"color":2841},{"type":61},{"type":222,"content":3530},[3531,3586],{"type":61,"content":3532},[3533,3539,3544,3553,3558,3567,3572,3581],{"text":3534,"type":52,"marks":3535},"Technologieeinsatz",[3536,3537],{"type":261},{"type":323,"attrs":3538},{"color":2841},{"text":3540,"type":52,"marks":3541},": Die Implementierung von Tools zur ",[3542],{"type":323,"attrs":3543},{"color":2841},{"text":3545,"type":52,"marks":3546},"Rechnungsverwaltung",[3547,3550,3552],{"type":191,"attrs":3548},{"href":3549,"uuid":17,"anchor":17,"target":17,"linktype":120},"https://www.spendesk.com/de/product/invoice-management/",{"type":323,"attrs":3551},{"color":3369},{"type":3007},{"text":3554,"type":52,"marks":3555}," und dem ",[3556],{"type":323,"attrs":3557},{"color":2841},{"text":3559,"type":52,"marks":3560},"Budgetmanagement",[3561,3564,3566],{"type":191,"attrs":3562},{"href":3563,"uuid":17,"anchor":17,"target":17,"linktype":120},"https://www.spendesk.com/de/product/budgets/",{"type":323,"attrs":3565},{"color":3369},{"type":3007},{"text":3568,"type":52,"marks":3569}," kann den Bestellungsprozess bereits enorm entlasten und ",[3570],{"type":323,"attrs":3571},{"color":2841},{"text":3573,"type":52,"marks":3574},"automatisiert Reports",[3575,3578,3580],{"type":191,"attrs":3576},{"href":3577,"uuid":17,"anchor":17,"target":17,"linktype":120},"https://www.spendesk.com/de/product/spending-reports/",{"type":323,"attrs":3579},{"color":3369},{"type":3007},{"text":3582,"type":52,"marks":3583}," und Analysen rund um ihre Unternehmensausgaben ermöglichen. Je nach Komplexität Ihrer Geschäftsabläufe kann auch eine E-Procurement-Plattform sinnvoll sein, die eine effiziente elektronische Abwicklung von Bestellungen, Lieferantenkommunikation und der Rechnungsverarbeitung ermöglicht.",[3584],{"type":323,"attrs":3585},{"color":2841},{"type":61},{"type":222,"content":3588},[3589,3597],{"type":61,"content":3590},[3591,3595],{"text":3592,"type":52,"marks":3593},"Ein Tool für alles: ",[3594],{"type":261},{"text":3596,"type":52},"Wenn unterschiedliche Systeme nebeneinanderher arbeiten, schleichen sich schnell Fehler ein. Ein gutes Beispiel dafür ist die Rechnungs- und Zahlungsabwicklung: Läuft der Einkauf über ein anderes System als die Rechnungsbearbeitung, fehlt oft der Überblick. ",{"type":61,"content":3598},[3599],{"text":3600,"type":52},"Das führt oft zu: Manuellen Zwischenschritte, langsamen Abläufe, doppelten Zahlungen – und im schlimmsten Fall bleibt sogar Betrug unentdeckt. Die Lösung: eine zentrale Electronic Procurement-Software. Wenn der gesamte Prozess  digital verknüpft ist, wird alles einfacher: weniger Aufwand, mehr Kontrolle, geringere Kosten.",{"type":200,"attrs":3602},{"id":3014,"body":3603},[3604],{"_uid":3605,"type":18,"asset":3606,"caption":18,"overlay":3611,"component":772},"i-0fd569e8-510b-4b3c-8797-250bfd0bb63e",{"id":3607,"alt":3608,"name":18,"focus":18,"title":18,"source":18,"filename":3609,"copyright":18,"fieldtype":19,"meta_data":3610,"is_external_url":14},22564169,"Flussdiagramm zur Veranschaulichung eines Beschaffungsprozesses von der Anfrage bis zur Zahlung, mit Beschriftung der Rollen und Schritte","https://a.storyblok.com/f/146026/1814x974/eaee9e9d19/procurement-ap-prozess.png",{"alt":3608,"title":18,"source":18,"copyright":18},[],{"type":61,"content":3613},[3614],{"text":3615,"type":52,"marks":3616},"Damit Sie Ihren Beschaffungsprozess optimal gestalten können, bedarf es der kontinuierlichen Verbesserung. Das bedeutet: Prüfen Sie aktuelle Abläufe, holen Sie Feedback von den beteiligten Stakeholdern ein und bleiben Sie offen für neue technische Möglichkeiten.",[3617],{"type":323,"attrs":3618},{"color":2841},{"type":46,"attrs":3620,"content":3621},{"level":266},[3622],{"text":3623,"type":52},"Beschaffungsprozess optimieren — Beispiel ",{"type":61,"content":3625},[3626,3628,3632],{"text":3627,"type":52},"Betrachten wir als Beispiel ein fiktives SaaS-Unternehmen namens ",{"text":3629,"type":52,"marks":3630},"Cloudelio",[3631],{"type":1471},{"text":3633,"type":52},". Mit rund 100 Mitarbeitenden wächst das Customer-Success-Team schnell, und die bisherige Kommunikation per E-Mail für neue Tools wird immer unübersichtlicher. Ein neues Support-Tool muss her – und genau hier zahlt sich ein digitaler Beschaffungsprozess aus, der Zeit spart und Fehler vermeidet.",{"type":61,"content":3635},[3636],{"text":3637,"type":52},"So funktioniert der optimierte Beschaffungsprozess bei Cloudelio – mit digitaler Beschaffungssoftware:",{"type":219,"content":3639},[3640,3650,3660,3670,3680],{"type":222,"content":3641},[3642],{"type":61,"content":3643},[3644,3648],{"text":3645,"type":52,"marks":3646},"Bedarf melden:",[3647],{"type":261},{"text":3649,"type":52}," Das Customer-Success-Team gibt den Bedarf für das Helpdesk-Tool direkt über das Spendesk-System ein.",{"type":222,"content":3651},[3652],{"type":61,"content":3653},[3654,3658],{"text":3655,"type":52,"marks":3656},"Genehmigen:",[3657],{"type":261},{"text":3659,"type":52}," Die Anfrage wird digital geprüft und von der Geschäftsführung freigegeben – ganz ohne langes Hin und Her.",{"type":222,"content":3661},[3662],{"type":61,"content":3663},[3664,3668],{"text":3665,"type":52,"marks":3666},"Bestellung auslösen:",[3667],{"type":261},{"text":3669,"type":52}," Nach der Auswahl des Anbieters wird die Bestellung direkt im System erfasst.",{"type":222,"content":3671},[3672],{"type":61,"content":3673},[3674,3678],{"text":3675,"type":52,"marks":3676},"Zahlung & Rechnung:",[3677],{"type":261},{"text":3679,"type":52}," Die Zahlung läuft über die Firmenkarte, Rechnungen werden automatisch erfasst und mit der Bestellung abgeglichen.",{"type":222,"content":3681},[3682],{"type":61,"content":3683},[3684,3688],{"text":3685,"type":52,"marks":3686},"Volle Transparenz:",[3687],{"type":261},{"text":3689,"type":52}," Die Finanzabteilung behält jederzeit den Überblick über den gesamten Prozess – von der Anfrage bis zur Bezahlung.",{"type":61,"content":3691},[3692],{"text":3693,"type":52},"Das Ergebnis? Ein durchgängig digitaler Ablauf ohne manuelle Zwischenschritte, der doppelte Buchungen vermeidet und klare Verantwortlichkeiten schafft. ",{"type":46,"attrs":3695,"content":3696},{"level":210},[3697],{"text":1461,"type":52,"marks":3698},[3699],{"type":323,"attrs":3700},{"color":2841},{"type":61,"content":3702},[3703],{"text":3704,"type":52,"marks":3705},"Durch eine sorgfältige Planung, eine effiziente Umsetzung und eine kontinuierliche Optimierung können Unternehmen ihre Beschaffungskosten senken, die Lieferantenzuverlässigkeit verbessern und die Effizienz des gesamten Unternehmens steigern. ",[3706],{"type":323,"attrs":3707},{"color":2841},{"type":61,"content":3709},[3710,3716],{"text":3711,"type":52,"marks":3712},"Die Nutzung von modernen Technologien, eine strategische Lieferantenauswahl und die regelmäßige Überwachung der Leistung sind dabei Schlüsselfaktoren für den Erfolg",[3713,3714],{"type":261},{"type":323,"attrs":3715},{"color":2841},{"text":1033,"type":52,"marks":3717},[3718],{"type":323,"attrs":3719},{"color":2841},{"type":61,"content":3721},[3722,3727,3736,3741,3743,3750],{"text":3723,"type":52,"marks":3724},"Schon gewusst? ",[3725],{"type":323,"attrs":3726},{"color":2841},{"text":3728,"type":52,"marks":3729},"Spendesk bietet ein umfassendes Procurement-Feature",[3730,3734],{"type":191,"attrs":3731},{"href":3732,"uuid":3733,"anchor":17,"target":195,"linktype":196},"/platform/procure-to-pay","f77dd8b1-8d41-4544-ac6a-c6f16b40172d",{"type":323,"attrs":3735},{"color":2841},{"text":3737,"type":52,"marks":3738},", von der ersten Anfrage bis zur Zahlung inkl. Rechnungsplattform. ",[3739],{"type":323,"attrs":3740},{"color":2841},{"text":3742,"type":52},"Wir unterstützen Sie dabei, moderne Technologien im Bereich Ausgaben- und Beschaffungsmanagement ideal für sich zu nutzen. ",{"text":3744,"type":52,"marks":3745},"Buchen Sie noch heute eine Demo mit unseren Expert:innen",[3746],{"type":191,"attrs":3747},{"href":3748,"uuid":2511,"anchor":17,"target":195,"linktype":196,"story":3749},"/schedule-a-demo/",{"name":2513,"id":2514,"uuid":2511,"slug":2515,"url":2516,"full_slug":2517,"_stopResolving":151},{"text":1033,"type":52},{"type":200,"attrs":3752},{"id":3753,"body":3754},"9bc5b5f2-22ea-4b58-95af-43efc36a62ef",[3755],{"_uid":3756,"html":2855,"component":207},"i-f7a45c6a-aa33-46d6-9280-7d437d264b4a",{"type":46,"attrs":3758,"content":3759},{"level":210},[3760],{"text":3761,"type":52},"FAQ: Häufige Fragen zum Beschaffungsprozess",{"type":61,"content":3763},[3764],{"text":3765,"type":52},"Dieses FAQ beantwortet häufig gestellte Fragen rund um Begriff, Ablauf und Optimierung der Beschaffung.",{"type":46,"attrs":3767,"content":3768},{"level":266},[3769],{"text":2860,"type":52},{"type":61,"content":3771},[3772],{"text":3773,"type":52},"Beschaffung bezeichnet alle unternehmerischen Aktivitäten, die darauf abzielen, externe Güter oder Dienstleistungen zur Deckung des betrieblichen Bedarfs zu erwerben. Dazu zählen sowohl operative Einkäufe (z. B. Büroausstattung) als auch strategische Einkaufsentscheidungen (z. B. Rahmenverträge mit Lieferanten).",{"type":46,"attrs":3775,"content":3776},{"level":266},[3777],{"text":3778,"type":52},"Was unterscheidet Beschaffung von Einkauf?",{"type":61,"content":3780},[3781],{"text":3782,"type":52},"„Beschaffung“ umfasst den gesamten Prozess von der Bedarfserkennung bis zur Zahlung. „Einkauf“ bezieht sich enger auf die operative Umsetzung, z. B. Angebotseinholung, Preisverhandlung oder Bestellung.",{"type":46,"attrs":3784,"content":3785},{"level":266},[3786],{"text":3787,"type":52},"Was versteht man unter dem Beschaffungsprozess?",{"type":61,"content":3789},[3790],{"text":3791,"type":52},"Der Beschaffungsprozess beschreibt den strukturierten Ablauf vom internen Bedarf bis zur Bezahlung externer Leistungen oder Güter. Ziel ist es, Ausgaben zu steuern, Budgets einzuhalten und Lieferantenbeziehungen effizient zu managen.",{"type":46,"attrs":3793,"content":3794},{"level":266},[3795],{"text":3796,"type":52},"Welche Phasen gehören typischerweise dazu?",{"type":219,"content":3798},[3799,3809,3819,3829,3839],{"type":222,"content":3800},[3801],{"type":61,"content":3802},[3803,3807],{"text":3804,"type":52,"marks":3805},"Bedarfserkennung",[3806],{"type":261},{"text":3808,"type":52},": Eine Abteilung stellt fest, dass ein Produkt oder eine Dienstleistung benötigt wird.",{"type":222,"content":3810},[3811],{"type":61,"content":3812},[3813,3817],{"text":3814,"type":52,"marks":3815},"Genehmigung",[3816],{"type":261},{"text":3818,"type":52},": Der Bedarf wird geprüft und formal durch Vorgesetzte oder Budgetverantwortliche freigegeben.",{"type":222,"content":3820},[3821],{"type":61,"content":3822},[3823,3827],{"text":3824,"type":52,"marks":3825},"Bestellung",[3826],{"type":261},{"text":3828,"type":52},": Der Einkauf oder die beschaffende Person bestellt beim passenden Anbieter.",{"type":222,"content":3830},[3831],{"type":61,"content":3832},[3833,3837],{"text":3834,"type":52,"marks":3835},"Lieferung & Wareneingang",[3836],{"type":261},{"text":3838,"type":52},": Die Ware oder Dienstleistung wird geliefert, geprüft und erfasst.",{"type":222,"content":3840},[3841],{"type":61,"content":3842},[3843,3847],{"text":3844,"type":52,"marks":3845},"Bezahlung",[3846],{"type":261},{"text":3848,"type":52},": Nach Rechnungseingang erfolgt die Freigabe zur Zahlung durch das Finanzteam",{"type":46,"attrs":3850,"content":3851},{"level":266},[3852],{"text":3853,"type":52},"Wie lässt sich der Beschaffungsprozess optimieren?",{"type":61,"content":3855},[3856,3858,3864],{"text":3857,"type":52},"Optimierungen entstehen durch klare Richtlinien, automatisierte Freigabeprozesse, zentrale Lieferantendatenbanken und eine durchgängige digitale Dokumentation – von der Anfrage bis zur Zahlung. ",{"text":3859,"type":52,"marks":3860},"Tools wie Spendesk",[3861],{"type":191,"attrs":3862},{"href":3863,"uuid":3733,"anchor":17,"target":195,"linktype":196},"/de/platform/procure-to-pay",{"text":3865,"type":52}," machen es möglich! ",{"type":46,"attrs":3867,"content":3868},{"level":266},[3869],{"text":3870,"type":52},"Worauf sollte bei der Vertragsverwaltung geachtet werden?",{"type":61,"content":3872},[3873,3880],{"text":3874,"type":52,"marks":3875},"Verträge",[3876],{"type":191,"attrs":3877},{"href":3878,"uuid":3879,"anchor":17,"target":195,"linktype":196},"/de/blog/digitales-vertragsmanagement","f3f27cd4-063e-46c4-8932-abd4d63be790",{"text":3881,"type":52}," sollten zentral verwaltet, Fristen überwacht und Zuständigkeiten klar geregelt sein. 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% der Spendesk-Belegschaft haben dieses Jahr ihren eigenen KI-Agenten entwickelt – und damit echte Herausforderungen in unserem Unternehmen gelöst",[4043,4044],{"type":261},{"type":1471},{"type":61,"attrs":4046,"content":4047},{"textAlign":17},[4048],{"text":4049,"type":52,"marks":4050},"2025 war mein erstes volles Jahr als CEO von Spendesk und eine Initiative möchte ich besonders hervorheben: den Einsatz von künstlicher Intelligenz am Arbeitsplatz.",[4051],{"type":323,"attrs":4052},{"color":1962},{"type":61,"attrs":4054,"content":4055},{"textAlign":17},[4056,4058,4065],{"text":4057,"type":52},"Vor zwölf Monaten haben wir begonnen, KI in jeden Bereich von ",{"text":4059,"type":52,"marks":4060},"Spendesk",[4061],{"type":191,"attrs":4062},{"href":4063,"uuid":4064,"anchor":17,"target":195,"linktype":196},"/de/platform/","4b39d188-071f-4f1b-9670-76374dd671b8",{"text":4066,"type":52}," zu integrieren, Europas führender Plattform für Ausgabenmanagement und Beschaffung. Heute kann ich stolz berichten, dass 83 % der Spendesker jede Woche KI-Agenten nutzen. Bedenkt man, dass jede Woche einige Mitarbeitende im Urlaub oder außer Haus sind, entspricht dies nahezu einer vollständigen Abdeckung im gesamten Unternehmen.",{"type":61,"attrs":4068,"content":4069},{"textAlign":17},[4070],{"text":4071,"type":52,"marks":4072},"Am wichtigsten ist: Nachdem Kolleg:innen einen Agenten ausprobiert haben, habe ich von niemandem gehört, dass die alte Arbeitsweise bevorzugt wird.",[4073],{"type":323,"attrs":4074},{"color":1962},{"type":61,"attrs":4076,"content":4077},{"textAlign":17},[4078],{"text":4079,"type":52},"Unsere Kolleg:innen nutzen nicht nur Agenten, sondern entwickeln sie auch selbst. Nach zwei kürzlich stattgefundenen Hackathons, die gezeigt haben, wie einfach selbst nicht technisch affine Mitarbeitende eigene KI-Agenten erstellen können, haben wir jetzt 213 aktive Agenten in unserer internen Bibliothek – im Januar waren es noch zehn.",{"type":61,"attrs":4081,"content":4082},{"textAlign":17},[4083],{"text":4084,"type":52},"Davon werden 135 aktiv genutzt. Mitarbeitende haben außerdem über 1.000 private Agenten für den persönlichen Gebrauch erstellt (dazu gleich mehr). Ein Viertel unserer Belegschaft hat dieses Jahr einen Agenten entwickelt.",{"type":200,"attrs":4086},{"id":4087,"body":4088},"520eee68-25f3-4c28-a3bd-4aafc4fcbdaa",[4089],{"_uid":4090,"type":18,"asset":4091,"caption":18,"overlay":4095,"component":772},"i-89b97175-4ba6-42fd-8297-ea75dd78465c",{"id":4092,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":4093,"copyright":18,"fieldtype":19,"meta_data":4094,"is_external_url":14},130784538892193,"https://a.storyblok.com/f/146026/1440x890/93a7f8196e/ai-native-visual.jpeg",{},[],{"type":61,"attrs":4097,"content":4098},{"textAlign":17},[4099],{"text":4100,"type":52},"Diese Agenten bewältigen reale Aufgaben im gesamten Unternehmen. Einer meiner Favoriten kann mir einen vollständigen Überblick über Kunden – oder potenzielle Kunden – und deren Beziehung zu Spendesk geben. Bevor ich eine Konferenz oder ein Verkaufsgespräch besuche, kann ich einfach eine Liste der Unternehmen, die ich treffen werde, in das Tool ziehen, und es gibt mir ein vollständiges Briefing und schlägt relevante Gesprächsthemen für jedes vor. Ich könnte natürlich ein Mitglied unseres Vertriebsteams bitten, diese Daten zusammenzustellen, aber das würde ein paar Stunden dauern. So bleibt Zeit für strategischere Arbeit, die echten Mehrwert bringt.",{"type":61,"attrs":4102,"content":4103},{"textAlign":17},[4104],{"text":4105,"type":52},"Ich weiß nicht, ob ich das öffentlich mitteilen sollte, aber ich habe tatsächlich meinen eigenen KI-Agenten entwickelt, der mir bei der Vorbereitung auf Vorstandssitzungen hilft. Er hilft mir, meine Präsentationen zu testen, indem er vorhersagt, welche Fragen jedes Vorstandsmitglied haben wird. Er kann auf unheimliche Weise hellsichtig sein!",{"type":61,"attrs":4107,"content":4108},{"textAlign":17},[4109],{"text":4110,"type":52},"Einer meiner Kolleg:innen hat auch einen „Was würde Axel sagen?\"-Agenten erstellt, mit dem Ideen abgestimmt werden können, wenn ich nicht erreichbar bin – oder einfach um sich besser auf ein Meeting mit mir vorzubereiten. Ein weiterer Favorit ist der Agent, der Slack und E-Mails durchsucht und zusammenfasst, was man nach ein paar Tagen Abwesenheit verpasst hat.",{"type":46,"attrs":4112,"content":4113},{"level":210,"textAlign":17},[4114],{"text":4115,"type":52},"Wie KI am Arbeitsplatz meine Perspektive verändert hat",{"type":61,"attrs":4117,"content":4118},{"textAlign":17},[4119,4125],{"text":4120,"type":52,"marks":4121},"Künstliche Intelligenz hat so viel erreicht, so schnell",[4122],{"type":191,"attrs":4123},{"href":4124,"uuid":863,"anchor":17,"target":195,"linktype":196},"/de/blog/ki-im-finanzwesen",{"text":4126,"type":52},". Als ChatGPT vor drei Jahren auf den Markt kam, war meine erste Reaktion, es als reine Auto-Vervollständigung abzutun. Ich hatte auch Bedenken, vertrauliche, berufliche Daten zu teilen. Für eine echte Transformation schien die Technologie noch nicht ganz bereit zu sein.",{"type":61,"attrs":4128,"content":4129},{"textAlign":17},[4130,4132,4139,4140],{"text":4131,"type":52},"In den letzten Jahren, als die KI-Tools ausgereifter wurden, bin ich vollständig überzeugt worden. Ich wollte bei Spendesk eine Kultur aufbauen, in der wir alle gemeinsam lernen und experimentieren können. Niemand sollte sich schämen müssen. Jeder kann in seinem eigenen Tempo voranschreiten. ",{"text":4133,"type":52,"marks":4134},"Dust",[4135,4138],{"type":191,"attrs":4136},{"href":4137,"uuid":17,"anchor":17,"target":1231,"linktype":120},"https://dust.tt/",{"type":261},{"text":1935,"type":52},{"text":4141,"type":52,"marks":4142},"eine Plattform für individuelle KI-Agenten, ist für uns auf dieser Reise zu einem wichtigen Partner geworden. Noch nie habe ich gehört, dass jemand nach dem Ausprobieren zur alten Arbeitsweise zurück wollte.",[4143],{"type":323,"attrs":4144},{"color":1962},{"type":61,"attrs":4146,"content":4147},{"textAlign":17},[4148],{"text":4149,"type":52},"Was kommt also als Nächstes für KI bei Spendesk? 2026 möchte ich, dass wir uns darauf konzentrieren, neue Quellen interner Daten zu erschließen, damit unsere Agenten noch nützlicher werden können – im Grunde unsere Wissensverwaltung KI-fähig machen. Relativ strukturierte Daten aus Slack und Salesforce abzurufen, ist bereits Standard. 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