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Top AI-Driven Expense and Spend Management Platforms

Ramp

Ramp is a modern, AI-first finance automation platform offering smart corporate cards, expense management, and real-time spend analytics. Its AI features help detect duplicates, automate categorization, and negotiate better vendor rates effortlessly.

Brex

Brex provides a unified platform for corporate cards, reimbursements, bill pay, and budgeting. AI powers real-time controls, automated workflows, and anomaly detection to help startups and enterprises better manage spend across departments.

Divvy

Divvy, now part of Bill.com, delivers AI-enhanced budgeting and expense management. It categorizes expenses automatically, enforces spend limits, and streamlines reimbursements for real-time expense visibility and control.

Bill.com

Bill.com automates accounts payable and receivable processes with AI-driven data capture, invoice routing, and payment approvals. It reduces manual work while improving cash flow and integrating with popular accounting platforms.

Expensify

Expensify uses AI to scan receipts, categorize expenses, and generate financial reports in real time. Ideal for both small businesses and large teams, it simplifies reimbursement processes and enforces expense policies automatically.

Certify

Certify streamlines expense and travel management with AI-assisted receipt capture and automated compliance enforcement. Designed for mobile-first users, it simplifies approvals and accelerates reimbursements.

SAP Concur

SAP Concur offers a robust, enterprise-grade solution for expense, travel, and invoice management. With AI-powered fraud detection and automation tools, it ensures global compliance and real-time insights across large organizations.