SAP Concur launches AI tools for travel & expenses

SAP Concur has launched a new set of artificial intelligence tools for travel and expense management, covering delegates, expense approvals, policy administration, meeting planning and corporate cards.

The new products are intended to cut manual work and improve oversight for finance and travel teams. Several will be released first to early adopter customers before a wider rollout over the coming quarters.

One of the main additions is an AI-assisted delegates dashboard, which brings approval requests, travel bookings and expense reports into a single workspace for people managing travel on behalf of others. The tool is designed to help delegates handle requests for multiple travellers in one place, rather than moving between emails, profiles and different systems.

The dashboard can surface priorities, suggest next steps and keep workflows moving. SAP Concur said customers using it could see up to a 25 per cent reduction in the time spent resolving issues.

Another new product is an AI-assisted approval manager for expense reports. Aimed at approvers reviewing submissions, it brings AI-generated risk insights, spending trends and approval history into one screen, alongside highlighted high-risk claims and explanations of why they have been flagged.

SAP Concur is also adding what it calls enhanced admin control for travel managers and administrators. The feature uses AI-based benchmarking and policy configuration tools to let administrators compare programme performance against similar organisations, identify areas for improvement and receive recommended actions.

Administrators can also upload policy documents and have the system identify differences between written policies and system settings. This is intended to help organisations keep travel and expense programmes aligned with internal rules.

Card management

The latest update also includes AI-assisted corporate card management. Administrators will be able to create virtual card programmes from policy documents, write approval rules using natural language prompts, and set spending limits and merchant category controls from the outset.

Employees will also be able to request and update virtual cards by text message. The feature is planned for Concur Expense customers using virtual cards with participating issuers on the Mastercard network.

Meetings focus

SAP Concur also updated its Meeting Planning Agent, which works through SAP's AI tool Joule. The system can recommend meeting destinations based on an organisation's requirements and flag major events in a selected location that could affect room supply or pricing before a destination is finalised.

The revised meeting tool also brings Groupize hotel room block proposals directly into SAP Concur products. That means organisers can manage group accommodation within the same system instead of tracking it separately.

Alliance products

Alongside the internal product updates, SAP Concur outlined new features developed through its alliance with American Express Global Business Travel. The additions are being made to Complete by SAP Concur and Amex GBT.

Among them is leakage reporting for travel managers. It combines data from Concur Travel and Amex GBT, including offline bookings, to give companies a broader picture of bookings and spending both inside and outside managed travel programmes.

The reporting can break spending down by line of business, travel category, vendor and traveller. SAP Concur said the tool could help organisations identify off-channel bookings that may affect traveller safety oversight, policy compliance and supplier management.

Another addition is Perks, which shows supplier offers and loyalty benefits during the booking process. The feature is designed to display travel management company content, extras, corporate contract benefits and traveller loyalty status entitlements directly at the point of sale.

SAP Concur and Amex GBT also introduced a travel disruption management feature within the same application. It brings notifications, guidance, support and self-service trip changes into one interface, with live chat available when needed.

Market position

The announcements come as software groups push more automation into back-office and employee travel systems, particularly around approvals, policy checks and traveller support. SAP cited IDC data showing it ranked first in worldwide travel and expense management software, with a 48.1 per cent market share in 2025.