[{"data":1,"prerenderedAt":4162},["ShallowReactive",2],{"en-blog/budget-variance-analysis":3,"en-global-content":1298,"en-article-global-content":2722,"en-blog-article-more-articles-4c34e454-8993-474f-a2d1-5c1f6a260e14":2985,"en-blog-article-more-articles-168562058384690":4157},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":1287,"full_slug":1288,"sort_by_date":25,"position":1289,"tag_list":1290,"is_startpage":28,"parent_id":1291,"meta_data":25,"group_id":1292,"first_published_at":6,"release_id":25,"lang":32,"path":25,"alternates":1293,"default_full_slug":1288,"translated_slugs":1294},"Budget variance analysis: How to spot variances and act on them","2026-04-22T07:20:46.270Z","2026-04-23T11:11:07.369Z","2026-04-23T11:11:07.390Z",168562058384690,"ee91332d-dd0b-42f9-9aaa-c5ed8e5bc419",{"_uid":11,"roles":12,"title":4,"author":61,"topics":114,"content":154,"noIndex":28,"category":1248,"language":1272,"component":1261,"heroMedia":1273,"sidebarCta":1281,"publishedAt":1282,"redirectUrl":72,"listingImage":1283,"metaDescription":1284,"bottomArticleCta":1285,"componentsAfterTheArticle":1286},"899652a7-2d28-43aa-bef2-32893f082749",[13,42],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":23,"full_slug":24,"sort_by_date":25,"position":26,"tag_list":27,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":30,"first_published_at":31,"release_id":25,"lang":32,"path":25,"alternates":33,"default_full_slug":24,"translated_slugs":34,"_stopResolving":41},"Finance Manager","2024-11-14T16:28:41.778Z","2026-03-12T10:47:18.012Z","2026-03-12T10:48:04.003Z",579108186,"ac906673-c199-4d4b-900d-b03772ebac22",{"_uid":21,"name":14,"component":22},"8ee7bc5e-ac5d-48c5-8424-e446196b1d39","tag","finance-manager","blog/role/finance-manager",null,0,[],false,190903385,"bec0b063-2fa8-44a2-aefc-e1335f13ea22","2024-11-14T16:29:40.515Z","default",[],[35,37,39],{"path":24,"name":25,"lang":36,"published":25},"fr",{"path":24,"name":25,"lang":38,"published":25},"de",{"path":24,"name":25,"lang":40,"published":25},"es",true,{"name":43,"created_at":44,"published_at":16,"updated_at":45,"id":46,"uuid":47,"content":48,"slug":50,"full_slug":51,"sort_by_date":25,"position":52,"tag_list":53,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":54,"first_published_at":55,"release_id":25,"lang":32,"path":25,"alternates":56,"default_full_slug":51,"translated_slugs":57,"_stopResolving":41},"CFO","2022-09-20T14:27:36.164Z","2026-03-12T10:47:19.605Z",191679062,"a5510262-f27a-456f-aafb-282a0dc1152c",{"_uid":49,"name":43,"component":22},"0a20d718-30d9-4f0d-9b62-6d1d5842bf81","cfo","blog/role/cfo",-10,[],"13455da7-6739-4b5f-9d1e-993eccd54cdf","2022-11-02T15:24:18.724Z",[],[58,59,60],{"path":51,"name":25,"lang":36,"published":25},{"path":51,"name":25,"lang":38,"published":25},{"path":51,"name":25,"lang":40,"published":25},{"name":62,"created_at":63,"published_at":64,"updated_at":65,"id":66,"uuid":67,"content":68,"slug":103,"full_slug":104,"sort_by_date":25,"position":105,"tag_list":106,"is_startpage":28,"parent_id":107,"meta_data":25,"group_id":108,"first_published_at":64,"release_id":25,"lang":32,"path":25,"alternates":109,"default_full_slug":104,"translated_slugs":110,"_stopResolving":41},"Maxime Reding","2026-03-17T08:39:44.277Z","2026-03-17T08:43:08.491Z","2026-03-17T08:43:08.502Z",155841266825828,"30784b49-7d4f-4209-ab52-8ffb11664c7d",{"_uid":69,"links":70,"picture":85,"lastName":89,"component":90,"firstName":91,"description":92},"88e4340f-e2bc-42fe-a8f0-79dafdd55f97",[71],{"tag":72,"_uid":73,"hide":28,"icon":74,"link":79,"type":72,"label":72,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":41,"horizontalFill":28},"","4ba61fb6-4159-4585-93bd-76c8eacb7945",{"id":75,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":76,"copyright":72,"fieldtype":77,"meta_data":78,"is_external_url":28},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",{},{"id":72,"url":80,"linktype":81,"fieldtype":82,"cached_url":80},"https://www.linkedin.com/in/maxime-reding-0777b7172/","url","multilink","primary","cta",{"id":86,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":87,"copyright":72,"fieldtype":77,"meta_data":88,"is_external_url":28},155841634553012,"https://a.storyblok.com/f/146026/512x512/cf0a8b2f08/t3hl6t4qp-u02bu4jb4d8-a93da9d1f60a-512.png",{},"Reding","author","Maxime",{"type":93,"content":94},"doc",[95],{"type":96,"attrs":97,"content":99},"paragraph",{"textAlign":25,"key":98},"p-0",[100],{"text":101,"type":102},"Originally from Luxembourg and educated at the Rotterdam School of Management, he brings a sharp analytical mindset and a background in strategic management to our finance team. Maxime joined Spendesk in 2021 and has grown steadily through the ranks since, becoming our resident finance engineer.","text","maxime-reding","blog/author/maxime-reding",-1140,[],176408854,"21643648-1964-4f50-93e1-adc353a4c358",[],[111,112,113],{"path":104,"name":25,"lang":36,"published":25},{"path":104,"name":25,"lang":38,"published":25},{"path":104,"name":25,"lang":40,"published":25},[115,135],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":121,"slug":123,"full_slug":124,"sort_by_date":25,"position":125,"tag_list":126,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":128,"first_published_at":129,"release_id":25,"lang":32,"path":25,"alternates":130,"default_full_slug":124,"translated_slugs":131,"_stopResolving":41},"Finance strategy","2022-10-19T17:57:50.961Z","2026-03-12T10:47:22.861Z",206171406,"4c34e454-8993-474f-a2d1-5c1f6a260e14",{"_uid":122,"name":116,"component":22},"11f616ce-9f54-42bb-967c-fdb960b62cef","finance-strategy","blog/topic/finance-strategy",-100,[],176456153,"5a788f5a-b853-4a56-959b-15a4ea69fd80","2022-11-02T15:24:54.143Z",[],[132,133,134],{"path":124,"name":25,"lang":36,"published":25},{"path":124,"name":25,"lang":38,"published":25},{"path":124,"name":25,"lang":40,"published":25},{"name":136,"created_at":137,"published_at":16,"updated_at":138,"id":139,"uuid":140,"content":141,"slug":143,"full_slug":144,"sort_by_date":25,"position":145,"tag_list":146,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":147,"first_published_at":148,"release_id":25,"lang":32,"path":25,"alternates":149,"default_full_slug":144,"translated_slugs":150,"_stopResolving":41},"Expense management","2022-10-19T17:57:51.580Z","2026-03-12T10:47:22.910Z",206171408,"850961c4-ad89-4a0e-9294-8ac179da7176",{"_uid":142,"name":136,"component":22},"1d1a3e21-352f-4cb9-aa7b-7c289d6480be","expense-management","blog/topic/expense-management",-120,[],"3eab4956-fb03-4f41-b5a2-7a537d9ab106","2022-11-02T15:24:53.472Z",[],[151,152,153],{"path":144,"name":25,"lang":36,"published":25},{"path":144,"name":25,"lang":38,"published":25},{"path":144,"name":25,"lang":40,"published":25},{"type":93,"content":155},[156,191,234,243,253,266,297,326,341,350,447,456,471,480,488,497,506,535,544,573,581,605,613,642,650,658,762,770,778,806,814,822,856,922,930,951,959,967,975,1017,1045,1053,1061,1070,1099,1107,1117,1126,1155,1163,1171,1180,1188,1197,1205,1214,1222,1231,1239],{"type":96,"attrs":157,"content":158},{"textAlign":25,"key":98},[159,166,186],{"text":160,"type":102,"marks":161},"Budget variance analysis compares your actual financial results against your budget to find, quantify, and explain the differences. Most ",[162],{"type":163,"attrs":164},"textStyle",{"color":165},"#000000",{"text":167,"type":102,"marks":168},"finance teams",[169,181,184],{"type":170,"attrs":171},"link",{"href":172,"uuid":173,"anchor":25,"target":174,"linktype":175,"story":176},"/blog/finance-team-efficiency/","064a715a-e2cf-4673-b9eb-da91b8da14f2","_self","story",{"name":177,"id":178,"uuid":173,"slug":179,"url":180,"full_slug":180,"_stopResolving":41},"Increase your finance team’s efficiency in 6 steps",296008345,"finance-team-efficiency","blog/finance-team-efficiency",{"type":163,"attrs":182},{"color":183},"#1155CC",{"type":185},"underline",{"text":187,"type":102,"marks":188}," run some form of it. Fewer do it in a way that drives business impact. The difference between a variance report that triggers action and one that keeps finance in the back office usually comes down to three things: comparing against the wrong baseline, investigating without materiality thresholds, and reporting too late for anyone to respond.",[189],{"type":163,"attrs":190},{"color":165},{"type":96,"attrs":192,"content":194},{"textAlign":25,"key":193},"p-1",[195,200,207,212,218,223,229],{"text":196,"type":102,"marks":197},"Those three pitfalls are avoidable, and the fixes don't require new software or a bigger team. They require a clear framework for deciding ",[198],{"type":163,"attrs":199},{"color":165},{"text":201,"type":102,"marks":202},"which",[203,205],{"type":163,"attrs":204},{"color":165},{"type":206},"bold",{"text":208,"type":102,"marks":209}," variances matter, ",[210],{"type":163,"attrs":211},{"color":165},{"text":213,"type":102,"marks":214},"what",[215,217],{"type":163,"attrs":216},{"color":165},{"type":206},{"text":219,"type":102,"marks":220}," caused them, and ",[221],{"type":163,"attrs":222},{"color":165},{"text":224,"type":102,"marks":225},"who",[226,228],{"type":163,"attrs":227},{"color":165},{"type":206},{"text":230,"type":102,"marks":231}," should act.",[232],{"type":163,"attrs":233},{"color":165},{"type":96,"attrs":235,"content":237},{"textAlign":25,"key":236},"p-2",[238],{"text":239,"type":102,"marks":240},"This is a guide for UK finance teams, not accounting, legal, or regulatory advice. If your reporting or governance obligations are complex, speak to your accountant or adviser.",[241],{"type":163,"attrs":242},{"color":165},{"type":244,"attrs":245,"content":247},"heading",{"level":246,"textAlign":25},2,[248],{"text":249,"type":102,"marks":250},"Why comparing against a static budget misleads you",[251],{"type":163,"attrs":252},{"color":165},{"type":254,"attrs":255},"blok",{"id":256,"body":257},"0fad4739-d449-43cc-8009-5ae95ddb170e",[258],{"_uid":259,"type":72,"asset":260,"caption":72,"overlay":264,"component":265},"i-dd497dbc-2462-496b-9421-47d5ba15b217",{"id":261,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":262,"copyright":72,"fieldtype":77,"meta_data":263,"is_external_url":28},168565554170317,"https://a.storyblok.com/f/146026/2121x1414/90d93dee09/a-team-of-employees-meeting.jpg",{},[],"image",{"type":96,"attrs":267,"content":269},{"textAlign":25,"key":268},"p-3",[270,275,281,286,292],{"text":271,"type":102,"marks":272},"The most common mistake in budget variance analysis is comparing your actuals against the wrong baseline. A ",[273],{"type":163,"attrs":274},{"color":165},{"text":276,"type":102,"marks":277},"static",[278,280],{"type":163,"attrs":279},{"color":165},{"type":206},{"text":282,"type":102,"marks":283}," budget variance compares actuals against the original budget locked at the planned activity level, which conflates volume effects with price and efficiency effects. A ",[284],{"type":163,"attrs":285},{"color":165},{"text":287,"type":102,"marks":288},"flexible",[289,291],{"type":163,"attrs":290},{"color":165},{"type":206},{"text":293,"type":102,"marks":294}," budget variance restates the budget at your actual activity level, isolating the variances you can act on.",[295],{"type":163,"attrs":296},{"color":165},{"type":96,"attrs":298,"content":300},{"textAlign":25,"key":299},"p-4",[301,306,321],{"text":302,"type":102,"marks":303},"Anyone who's presented monthly ",[304],{"type":163,"attrs":305},{"color":165},{"text":307,"type":102,"marks":308},"management accounts",[309,318,320],{"type":170,"attrs":310},{"href":311,"uuid":312,"anchor":25,"target":174,"linktype":175,"story":313},"/glossary/management-accounts/","a9adcb34-6b67-45e2-a960-dcd0752a6380",{"name":314,"id":315,"uuid":312,"slug":316,"url":317,"full_slug":317,"_stopResolving":41},"Management accounts",263562831,"management-accounts","glossary/management-accounts",{"type":163,"attrs":319},{"color":183},{"type":185},{"text":322,"type":102,"marks":323}," knows the frustration of explaining an apparent cost saving that's really just lower production volume. The following worked example shows why flexing your budget first matters.",[324],{"type":163,"attrs":325},{"color":165},{"type":96,"attrs":327,"content":329},{"textAlign":25,"key":328},"p-5",[330,336],{"text":331,"type":102,"marks":332},"Scenario:",[333,335],{"type":163,"attrs":334},{"color":165},{"type":206},{"text":337,"type":102,"marks":338}," Thornfield Manufacturing Ltd budgeted for 10,000 units. The actual output ended up being 8,000 units.",[339],{"type":163,"attrs":340},{"color":165},{"type":96,"attrs":342,"content":344},{"textAlign":25,"key":343},"p-6",[345],{"text":346,"type":102,"marks":347},"Comparing actuals against the static budget shows a £21,200 adverse net profit variance, with apparently favourable cost variances on materials (£6,000 F) and labour (£4,800 F). But those cost savings are largely automatic consequences of producing fewer units. They tell you nothing about operational efficiency. Restate variable costs at the actual volume of 8,000 units, and the picture changes:",[348],{"type":163,"attrs":349},{"color":165},{"type":254,"attrs":351},{"id":352,"body":353},"54f6f864-2d03-4b4d-8ca7-8ce7489d18da",[354],{"_uid":355,"table":356,"component":446,"noLineBreak":28,"highlightLastRow":28},"053067ec-99b2-4883-867b-07cc5cc480c5",{"tbody":357,"thead":432,"fieldtype":445},[358,373,388,403,417],{"_uid":359,"body":360},"fdeacba1-d89e-4b89-968c-19de8d7b7f6e",[361,364,367,370],{"_uid":362,"value":363},"7af26d22-7b5f-400a-a2cc-34ce822d5be1","Revenue",{"_uid":365,"value":366},"61407387-6406-4a23-8bc3-aea88094f716","£160,000",{"_uid":368,"value":369},"ebcb99f2-5e0f-4598-9489-a69479fbaaa9","£168,000",{"_uid":371,"value":372},"51c2f62b-618c-4f4e-addf-9a0f2ea17861","£8,000 F",{"_uid":374,"body":375},"bdb5362a-b7c8-411b-aaae-992bf2e62101",[376,379,382,385],{"_uid":377,"value":378},"58362e7f-1cfe-46c0-a2df-e8c3d248d258","Direct materials",{"_uid":380,"value":381},"43df9170-d236-4d61-ad87-02403b74a77b","£40,000",{"_uid":383,"value":384},"808b3c48-8ade-4bdb-8e0f-88179d82ea00","£44,000",{"_uid":386,"value":387},"8adaa183-fee9-413d-9339-8a4840728b79","£4,000 A",{"_uid":389,"body":390},"56913512-1962-41c5-b1cc-bba8b068d01d",[391,394,397,400],{"_uid":392,"value":393},"cd9a79ec-1c71-48e4-975b-5b0540d97bcb","Direct labour",{"_uid":395,"value":396},"f1dd9e05-6dd2-4d0b-bdc4-6b76f674668c","£32,000",{"_uid":398,"value":399},"02c42e7f-81a7-412d-99ab-f1576c8034a0","£35,200",{"_uid":401,"value":402},"f45e5b34-90da-42cf-8560-da39d468482b","£3,200 A",{"_uid":404,"body":405},"d9beccc6-5866-4975-a338-e77fc5ad8338",[406,409,412,414],{"_uid":407,"value":408},"e4ad793a-e8b8-4c29-83b9-69d15e0c272a","Fixed overheads",{"_uid":410,"value":411},"c33d1b32-d7e4-4555-a377-a9a2b78924d5","£30,000",{"_uid":413,"value":411},"7e121ab1-8c8b-461a-847c-8647a2446a17",{"_uid":415,"value":416},"d454fe17-541d-4d40-87cb-5667ca5636b2","£0",{"_uid":418,"body":419},"349750dc-02ab-44e2-a097-15280b472837",[420,423,426,429],{"_uid":421,"value":422},"d0f33814-f866-4350-aabe-cc98694ad66f","Net profit",{"_uid":424,"value":425},"80bf1277-3e19-4afa-8da9-7599f37c1165","£58,000",{"_uid":427,"value":428},"d890e0fc-dc34-4ab4-9468-d13cc5c03664","£58,800",{"_uid":430,"value":431},"5736db60-9799-49f6-b7e4-eaa97fc7abc9","£800 F",[433,436,439,442],{"_uid":434,"value":435},"353e8c9a-993f-4c83-a9c2-d5152e50c3bb","Line item",{"_uid":437,"value":438},"6af50492-349e-4482-84a6-cc7977c1f94d","Flexed budget (8,000 units)",{"_uid":440,"value":441},"b993e970-78be-4714-8402-9855e586bea1","Actual results (8,000 units)",{"_uid":443,"value":444},"4ffb455a-755e-4c5d-a4dc-d2c31886ffad","Flexible budget variance","table","simpleTable",{"type":96,"attrs":448,"content":450},{"textAlign":25,"key":449},"p-7",[451],{"text":452,"type":102,"marks":453},"Thornfield achieved a higher selling price (£21.00 vs £20.00 per unit, £8,000 F), but overspent on materials (£4,000 A) and labour (£3,200 A). The net position is £800 favourable. Operational performance was slightly better than expected at the actual volume.",[454],{"type":163,"attrs":455},{"color":165},{"type":96,"attrs":457,"content":459},{"textAlign":25,"key":458},"p-8",[460,466],{"text":461,"type":102,"marks":462},"Reconciliation check:",[463,465],{"type":163,"attrs":464},{"color":165},{"type":206},{"text":467,"type":102,"marks":468}," Sales Volume Variance (£22,000 A) + Flexible Budget Variance (£800 F) = £21,200 A static budget variance. ✓",[469],{"type":163,"attrs":470},{"color":165},{"type":96,"attrs":472,"content":474},{"textAlign":25,"key":473},"p-9",[475],{"text":476,"type":102,"marks":477},"The volume variance tells you about market demand. The flexible budget variance tells you about operational performance. Thornfield's operations were fine. Their market wasn't. That's a fundamentally different conversation, and the static budget hides which one you should be having.",[478],{"type":163,"attrs":479},{"color":165},{"type":244,"attrs":481,"content":482},{"level":246,"textAlign":25},[483],{"text":484,"type":102,"marks":485},"How to spot the variances worth investigating",[486],{"type":163,"attrs":487},{"color":165},{"type":96,"attrs":489,"content":491},{"textAlign":25,"key":490},"p-10",[492],{"text":493,"type":102,"marks":494},"So you've flexed the budget and isolated the real variances. Now you need to decide which ones are worth your team's time. Setting the right thresholds and applying them to the right baseline is what prevents you from chasing noise or overlooking genuine problems.",[495],{"type":163,"attrs":496},{"color":165},{"type":244,"attrs":498,"content":500},{"level":499,"textAlign":25},3,[501],{"text":502,"type":102,"marks":503},"Set dual-trigger materiality thresholds",[504],{"type":163,"attrs":505},{"color":165},{"type":96,"attrs":507,"content":509},{"textAlign":25,"key":508},"p-11",[510,515,530],{"text":511,"type":102,"marks":512},"Many finance teams default to investigating everything above a flat percentage, or nothing below it. Both approaches can lead to wasting time. A 15% variance on a £2,000 ",[513],{"type":163,"attrs":514},{"color":165},{"text":516,"type":102,"marks":517},"cost centre",[518,527,529],{"type":170,"attrs":519},{"href":520,"uuid":521,"anchor":25,"target":174,"linktype":175,"story":522},"/glossary/cost-centre/","7e4cfaf8-f135-4ffd-986e-4fb58047f4c0",{"name":523,"id":524,"uuid":521,"slug":525,"url":526,"full_slug":526,"_stopResolving":41},"Cost centre",378099747,"cost-centre","glossary/cost-centre",{"type":163,"attrs":528},{"color":183},{"type":185},{"text":531,"type":102,"marks":532}," is arithmetically large but operationally trivial. A 3% variance on a £500,000 revenue line demands attention.",[533],{"type":163,"attrs":534},{"color":165},{"type":96,"attrs":536,"content":538},{"textAlign":25,"key":537},"p-12",[539],{"text":540,"type":102,"marks":541},"ACCA treats variance significance as a professional judgement competency, and for good reason. No single threshold works across all expense categories. Using both percentage and absolute-value triggers gives your team a filter that catches what matters without chasing what doesn't.",[542],{"type":163,"attrs":543},{"color":165},{"type":96,"attrs":545,"content":547},{"textAlign":25,"key":546},"p-13",[548,553,568],{"text":549,"type":102,"marks":550},"One detail that's easy to miss is that you should apply these thresholds to your flexed budget, not the static one. Comparing budget vs actuals at the original activity level before flexing generates false positives. Apparent cost overruns that are simply volume effects will trigger investigation when they shouldn't. Setting ",[551],{"type":163,"attrs":552},{"color":165},{"text":554,"type":102,"marks":555},"budget controls",[556,565,567],{"type":170,"attrs":557},{"href":558,"uuid":559,"anchor":25,"target":174,"linktype":175,"story":560},"/blog/budget-controls/","13ebcb93-7143-44a9-a6de-eaf25948b1c4",{"name":561,"id":562,"uuid":559,"slug":563,"url":564,"full_slug":564,"_stopResolving":41},"How budget controls help businesses stay compliant",134691737457847,"budget-controls","blog/budget-controls",{"type":163,"attrs":566},{"color":183},{"type":185},{"text":569,"type":102,"marks":570}," that reference the flexed baseline avoids this.",[571],{"type":163,"attrs":572},{"color":165},{"type":244,"attrs":574,"content":575},{"level":499,"textAlign":25},[576],{"text":577,"type":102,"marks":578},"Decompose into price, volume, and mix",[579],{"type":163,"attrs":580},{"color":165},{"type":96,"attrs":582,"content":584},{"textAlign":25,"key":583},"p-14",[585,590,600],{"text":586,"type":102,"marks":587},"For any material variance, breaking it into component drivers reveals where corrective action can make a difference. As GrowCFO's research on ",[588],{"type":163,"attrs":589},{"color":165},{"text":591,"type":102,"marks":592},"AI-assisted variance decomposition",[593,597,599],{"type":170,"attrs":594},{"href":595,"uuid":25,"anchor":25,"target":596,"linktype":81},"https://growcfo.net/wp-content/uploads/2025/08/Q3-Innovation-Report-Planning-Budgeting.pdf","_blank",{"type":163,"attrs":598},{"color":183},{"type":185},{"text":601,"type":102,"marks":602}," shows, tools can now separate a sales drop into volume and price components automatically. Whether done manually or with software support, this decomposition directs attention to the right lever.",[603],{"type":163,"attrs":604},{"color":165},{"type":244,"attrs":606,"content":607},{"level":499,"textAlign":25},[608],{"text":609,"type":102,"marks":610},"Track cumulative YTD trends",[611],{"type":163,"attrs":612},{"color":165},{"type":96,"attrs":614,"content":616},{"textAlign":25,"key":615},"p-15",[617,622,637],{"text":618,"type":102,"marks":619},"A single-month variance that reverses the following month is a timing difference. A variance that persists and compounds in the year-to-date (YTD) column is a structural divergence from plan. ",[620],{"type":163,"attrs":621},{"color":165},{"text":623,"type":102,"marks":624},"Rolling forecasts",[625,634,636],{"type":170,"attrs":626},{"href":627,"uuid":628,"anchor":25,"target":174,"linktype":175,"story":629},"/glossary/rolling-forecast/","eb52f1aa-71d1-4aa4-9cf2-17e940ac9cbe",{"name":630,"id":631,"uuid":628,"slug":632,"url":633,"full_slug":633,"_stopResolving":41},"Rolling forecast",349428223,"rolling-forecast","glossary/rolling-forecast",{"type":163,"attrs":635},{"color":183},{"type":185},{"text":638,"type":102,"marks":639}," used by FP&A teams can add a second variance column, showing actuals against your latest forecast alongside the standard actuals-against-original-budget comparison. This second column reveals genuine surprises against your current assumptions rather than stale ones.",[640],{"type":163,"attrs":641},{"color":165},{"type":244,"attrs":643,"content":644},{"level":246,"textAlign":25},[645],{"text":646,"type":102,"marks":647},"What causes variances and how to act on them",[648],{"type":163,"attrs":649},{"color":165},{"type":96,"attrs":651,"content":652},{"textAlign":25,"key":98},[653],{"text":654,"type":102,"marks":655},"You've flagged a material variance. The spreadsheet tells you something's off. It doesn't tell you why, and the why determines everything. Do you need to change something operationally, adjust the forecast, or simply document it and move on? The root causes tend to cluster into a few categories.",[656],{"type":163,"attrs":657},{"color":165},{"type":659,"content":660},"bullet_list",[661,678,694,710],{"type":662,"content":663},"list_item",[664],{"type":96,"attrs":665,"content":666},{"textAlign":25,"key":193},[667,673],{"text":668,"type":102,"marks":669},"Outdated cost standards.",[670,672],{"type":163,"attrs":671},{"color":165},{"type":206},{"text":674,"type":102,"marks":675}," Your raw material costs were set in 2022. The market moved. That's not an operational problem. It's a stale assumption generating phantom variances every month until someone updates the standard.",[676],{"type":163,"attrs":677},{"color":165},{"type":662,"content":679},[680],{"type":96,"attrs":681,"content":682},{"textAlign":25,"key":236},[683,689],{"text":684,"type":102,"marks":685},"External shocks.",[686,688],{"type":163,"attrs":687},{"color":165},{"type":206},{"text":690,"type":102,"marks":691}," Exchange rate movements, energy price volatility, supplier disruptions, and tariff changes are ultimately beyond the company's direct control.",[692],{"type":163,"attrs":693},{"color":165},{"type":662,"content":695},[696],{"type":96,"attrs":697,"content":698},{"textAlign":25,"key":268},[699,705],{"text":700,"type":102,"marks":701},"Volume and activity divergence.",[702,704],{"type":163,"attrs":703},{"color":165},{"type":206},{"text":706,"type":102,"marks":707}," Actual volumes differing from the budget create misleading cost variances if you don't flex first.",[708],{"type":163,"attrs":709},{"color":165},{"type":662,"content":711},[712],{"type":96,"attrs":713,"content":714},{"textAlign":25,"key":299},[715,721,737,743,748,757],{"text":716,"type":102,"marks":717},"Inaccurate ",[718,720],{"type":163,"attrs":719},{"color":165},{"type":206},{"text":722,"type":102,"marks":723},"budget assumptions",[724,733,735,736],{"type":170,"attrs":725},{"href":726,"uuid":727,"anchor":25,"target":174,"linktype":175,"story":728},"/blog/budgeting-process/","7d3e5194-5ad6-4dd5-8f00-986dd12bae39",{"name":729,"id":730,"uuid":727,"slug":731,"url":732,"full_slug":732,"_stopResolving":41},"The budgeting process for smart, modern companies",208802941,"budgeting-process","blog/budgeting-process",{"type":163,"attrs":734},{"color":183},{"type":206},{"type":185},{"text":738,"type":102,"marks":739},".",[740,742],{"type":163,"attrs":741},{"color":165},{"type":206},{"text":744,"type":102,"marks":745}," The revenue growth figure felt ambitious in January. By April it's clearly wrong, but the budget still reflects it. As ACCA's ",[746],{"type":163,"attrs":747},{"color":165},{"text":749,"type":102,"marks":750},"planning agility research",[751,754,756],{"type":170,"attrs":752},{"href":753,"uuid":25,"anchor":25,"target":596,"linktype":81},"https://www.accaglobal.com/content/dam/ACCA_Global/professional-insights/planning-performance-management-paradigm/PI-PLANNING-PERFOMANCE%20v4.pdf",{"type":163,"attrs":755},{"color":183},{"type":185},{"text":758,"type":102,"marks":759}," notes, planning needs to be far more agile than many annual cycles allow.",[760],{"type":163,"attrs":761},{"color":165},{"type":96,"attrs":763,"content":764},{"textAlign":25,"key":328},[765],{"text":766,"type":102,"marks":767},"Understanding the cause determines the response. The first diagnostic step is classifying the variance correctly, which we’ll explore in the next sections.",[768],{"type":163,"attrs":769},{"color":165},{"type":244,"attrs":771,"content":772},{"level":499,"textAlign":25},[773],{"text":774,"type":102,"marks":775},"Separate planning variances from operational variances",[776],{"type":163,"attrs":777},{"color":165},{"type":96,"attrs":779,"content":780},{"textAlign":25,"key":343},[781,786,801],{"text":782,"type":102,"marks":783},"A planning variance means the original budget was based on inaccurate assumptions or unanticipated external changes. An operational variance means actual performance differed from what was realistically achievable. This distinction stops you penalising ",[784],{"type":163,"attrs":785},{"color":165},{"text":787,"type":102,"marks":788},"budget holders",[789,798,800],{"type":170,"attrs":790},{"href":791,"uuid":792,"anchor":25,"target":174,"linktype":175,"story":793},"/blog/budget-manager/","f75334ec-dac2-4982-af89-d12f16d95d41",{"name":794,"id":795,"uuid":792,"slug":796,"url":797,"full_slug":797,"_stopResolving":41},"What is a budget manager? The responsibilities and keys to success",213425752,"budget-manager","blog/budget-manager",{"type":163,"attrs":799},{"color":183},{"type":185},{"text":802,"type":102,"marks":803}," for forecast errors they didn't create, and it directs corrective action to the right level. A planning variance triggers a reforecast, while an operational variance triggers a process or behaviour change.",[804],{"type":163,"attrs":805},{"color":165},{"type":244,"attrs":807,"content":808},{"level":499,"textAlign":25},[809],{"text":810,"type":102,"marks":811},"Apply the controllability principle",[812],{"type":163,"attrs":813},{"color":165},{"type":96,"attrs":815,"content":816},{"textAlign":25,"key":449},[817],{"text":818,"type":102,"marks":819},"Once you've traced the cause, the practical question is who owns the fix. If your finance team investigates every variance centrally, you become the bottleneck. If you delegate without a framework, budget holders don't know which variances to escalate.",[820],{"type":163,"attrs":821},{"color":165},{"type":96,"attrs":823,"content":824},{"textAlign":25,"key":458},[825,830,839,844,851],{"text":826,"type":102,"marks":827},"Henttu-Aho's research on ",[828],{"type":163,"attrs":829},{"color":165},{"text":831,"type":102,"marks":832},"rolling forecast practices",[833,836,838],{"type":170,"attrs":834},{"href":835,"uuid":25,"anchor":25,"target":596,"linktype":81},"https://d-nb.info/1179537556/34",{"type":163,"attrs":837},{"color":183},{"type":185},{"text":840,"type":102,"marks":841}," in the ",[842],{"type":163,"attrs":843},{"color":165},{"text":845,"type":102,"marks":846},"Journal of Management Control",[847,849],{"type":163,"attrs":848},{"color":165},{"type":850},"italic",{"text":852,"type":102,"marks":853}," points to a practical resolution. For variances stemming from larger market forces, direct efforts toward factors actually influenced by internal decision-making. The following framework helps you decide what stays with the budget holder and what comes to finance.",[854],{"type":163,"attrs":855},{"color":165},{"type":254,"attrs":857},{"id":858,"body":859},"4ddfd951-96b2-4390-a19f-551cc56415f6",[860],{"_uid":861,"table":862,"component":446,"noLineBreak":28,"highlightLastRow":28},"c4d2de36-653e-42e9-8ac8-ea2cf53d530e",{"tbody":863,"thead":912,"fieldtype":445},[864,876,888,900],{"_uid":865,"body":866},"0513f0fd-6179-49b1-a1c9-777b6a1fb373",[867,870,873],{"_uid":868,"value":869},"b2edce32-7e53-4f25-bf33-61ee7a2c923a","Adverse, material, internal driver",{"_uid":871,"value":872},"af97dc80-16d0-4428-b945-1912b92014eb","Controllable",{"_uid":874,"value":875},"3ff1d49e-9cbd-4fba-9240-d5f03cac908f","Immediate corrective action by the budget holder; escalate to your Finance Director if unresolved within the reporting period",{"_uid":877,"body":878},"8b6a71f7-e720-407e-81ea-700acd9fcf6b",[879,882,885],{"_uid":880,"value":881},"1fa41693-645e-4008-9f09-ab079a2b5620","Adverse or favourable, material, external driver",{"_uid":883,"value":884},"965900d0-56e8-461f-acd1-baa07df5f21f","Uncontrollable",{"_uid":886,"value":887},"81ea9d00-09cc-4732-9eb5-e81b39fdff01","Escalate to CFO or board; trigger scenario planning and reforecast",{"_uid":889,"body":890},"8eb79f48-839c-4bf1-9a4f-8c366789504c",[891,894,897],{"_uid":892,"value":893},"2542c2dd-76c7-4801-a05e-d29646567c2d","Timing/phasing only",{"_uid":895,"value":896},"3b5885cf-3b8f-4786-9b25-dea5e2534f6f","N/A",{"_uid":898,"value":899},"8f89c51b-af47-4f14-b305-4f1ca904ba08","Document and monitor; adjust phasing in the forecast without changing the full-year number",{"_uid":901,"body":902},"caf7fa63-c6b0-4cf4-9917-3fe1f8f9d59e",[903,906,909],{"_uid":904,"value":905},"08d92130-6153-42f6-aee1-878c745b4be8","Favourable, material",{"_uid":907,"value":908},"f170486e-7834-4d55-b7f7-43e7e13977b8","Investigate first",{"_uid":910,"value":911},"2d1f8962-e734-41ee-879e-a239ed8dfcba","May signal under-investment, deferred maintenance, or quality reduction",[913,916,919],{"_uid":914,"value":915},"64f06966-848f-4bca-8e28-a86164bf23c0","Variance type",{"_uid":917,"value":918},"70bccda8-5439-482d-8241-fd85146158dd","Controllability",{"_uid":920,"value":921},"8b8da70c-a684-4ec8-97dc-40d2a14c609e","Your response",{"type":244,"attrs":923,"content":924},{"level":499,"textAlign":25},[925],{"text":926,"type":102,"marks":927},"Decide when to reforecast",[928],{"type":163,"attrs":929},{"color":165},{"type":96,"attrs":931,"content":932},{"textAlign":25,"key":473},[933,938,946],{"text":934,"type":102,"marks":935},"When does a variance stop being a blip and start being a structural problem? Not every material variance triggers a full reforecast. According to ACCA, CA ANZ, and PwC’s 2022 ",[936],{"type":163,"attrs":937},{"color":165},{"text":939,"type":102,"marks":940},"planning paradigm survey",[941,943,945],{"type":170,"attrs":942},{"href":753,"uuid":25,"anchor":25,"target":596,"linktype":81},{"type":163,"attrs":944},{"color":183},{"type":185},{"text":947,"type":102,"marks":948}," of nearly 3,000 finance professionals, 37% of organisations fully adjust their annual plan quarterly, while 17% do so monthly.",[949],{"type":163,"attrs":950},{"color":165},{"type":96,"attrs":952,"content":953},{"textAlign":25,"key":490},[954],{"text":955,"type":102,"marks":956},"A structural change to your cost base (permanent supplier price rise) calls for updated full-year numbers. A phasing variance where the full-year total is unchanged calls for a monthly profile adjustment, not a reforecast.",[957],{"type":163,"attrs":958},{"color":165},{"type":244,"attrs":960,"content":961},{"level":246,"textAlign":25},[962],{"text":963,"type":102,"marks":964},"How to close the gap between variance and action",[965],{"type":163,"attrs":966},{"color":165},{"type":96,"attrs":968,"content":969},{"textAlign":25,"key":508},[970],{"text":971,"type":102,"marks":972},"The gap between when a variance occurs and when your finance team spots it determines how much corrective action is still available. If you've ever presented a variance analysis to the board only to hear \"yes, but that was three weeks ago,\" you already know the problem. Real-time spend visibility is the most direct way to close it.",[973],{"type":163,"attrs":974},{"color":165},{"type":96,"attrs":976,"content":977},{"textAlign":25,"key":537},[978,983,992,997,1012],{"text":979,"type":102,"marks":980},"Ventana Research's 2023 ",[981],{"type":163,"attrs":982},{"color":165},{"text":984,"type":102,"marks":985},"Smart Financial Close",[986,989,991],{"type":170,"attrs":987},{"href":988,"uuid":25,"anchor":25,"target":596,"linktype":81},"https://www.24-7pressrelease.com/press-release/506137/ventana-research-releases-dynamic-insights-research-on-the-smart-financial-close",{"type":163,"attrs":990},{"color":183},{"type":185},{"text":993,"type":102,"marks":994}," study found that only 58% of organisations complete their monthly close within six business days, a figure virtually unchanged since 2019 despite significant investment in digital transformation. When your ",[995],{"type":163,"attrs":996},{"color":165},{"text":998,"type":102,"marks":999},"month-end close",[1000,1009,1011],{"type":170,"attrs":1001},{"href":1002,"uuid":1003,"anchor":25,"target":174,"linktype":175,"story":1004},"/blog/month-end-close-process/","f778feef-eceb-47d1-8cd9-d3540951d72d",{"name":1005,"id":1006,"uuid":1003,"slug":1007,"url":1008,"full_slug":1008,"_stopResolving":41},"Month-end close process: how to make accounting more efficient",208803061,"month-end-close-process","blog/month-end-close-process",{"type":163,"attrs":1010},{"color":183},{"type":185},{"text":1013,"type":102,"marks":1014}," takes that long, the variances you're analysing are already stale.",[1015],{"type":163,"attrs":1016},{"color":165},{"type":96,"attrs":1018,"content":1019},{"textAlign":25,"key":546},[1020,1025,1040],{"text":1021,"type":102,"marks":1022},"Real-time dashboards that capture spend as it happens, rather than after period-end batch reporting, represent the clearest shift in variance detection. ",[1023],{"type":163,"attrs":1024},{"color":165},{"text":1026,"type":102,"marks":1027},"Budget automation",[1028,1037,1039],{"type":170,"attrs":1029},{"href":1030,"uuid":1031,"anchor":25,"target":174,"linktype":175,"story":1032},"/blog/budget-automation/","0c09be87-a7f5-4c05-ae79-de431e0e3535",{"name":1033,"id":1034,"uuid":1031,"slug":1035,"url":1036,"full_slug":1036,"_stopResolving":41},"Budget automation: how to pick the right budgeting tool",213436275,"budget-automation","blog/budget-automation",{"type":163,"attrs":1038},{"color":183},{"type":185},{"text":1041,"type":102,"marks":1042}," is now a standard capability in financial planning software.",[1043],{"type":163,"attrs":1044},{"color":165},{"type":96,"attrs":1046,"content":1047},{"textAlign":25,"key":583},[1048],{"text":1049,"type":102,"marks":1050},"Spendesk closes one of the biggest gaps in this process. The lag between when employees spend and when finance sees the data is where most variance reports go stale.",[1051],{"type":163,"attrs":1052},{"color":165},{"type":96,"attrs":1054,"content":1055},{"textAlign":25,"key":615},[1056],{"text":1057,"type":102,"marks":1058},"With card transactions, invoice payments, and expense claims feeding into a single real-time view with live budget monitoring, your team can see committed versus actual spend by department throughout the month, not just at close. That \"three weeks ago\" board conversation becomes a thing of the past.",[1059],{"type":163,"attrs":1060},{"color":165},{"type":96,"attrs":1062,"content":1064},{"textAlign":25,"key":1063},"p-16",[1065],{"text":1066,"type":102,"marks":1067},"Embedding this visibility into your reporting cadence is what makes it stick. Monthly reviews should flex the budget to actual volumes and flag variances that need investigation. Quarterly reviews add a deeper decomposition and connect backward-looking variances to forward-looking forecast implications. Without that connection, you're producing a historical document rather than a decision tool.",[1068],{"type":163,"attrs":1069},{"color":165},{"type":96,"attrs":1071,"content":1073},{"textAlign":25,"key":1072},"p-17",[1074,1079,1094],{"text":1075,"type":102,"marks":1076},"If you're looking to move variance detection from a monthly exercise to a continuous one, ",[1077],{"type":163,"attrs":1078},{"color":165},{"text":1080,"type":102,"marks":1081},"real-time budget monitoring",[1082,1091,1093],{"type":170,"attrs":1083},{"href":1084,"uuid":1085,"anchor":25,"target":174,"linktype":175,"story":1086},"/blog/budgetary-control/","fb7bef51-a1a3-4b66-be90-c4316c5ab812",{"name":1087,"id":1088,"uuid":1085,"slug":1089,"url":1090,"full_slug":1090,"_stopResolving":41},"Budgetary control: Turn your budget plan into reality",208802979,"budgetary-control","blog/budgetary-control",{"type":163,"attrs":1092},{"color":183},{"type":185},{"text":1095,"type":102,"marks":1096}," offers one approach. That continuous feed changes what finance can bring to the board. With real-time visibility, you’re then able to present a compelling view to the board and earn their buy-in more easily.",[1097],{"type":163,"attrs":1098},{"color":165},{"type":244,"attrs":1100,"content":1101},{"level":246,"textAlign":25},[1102],{"text":1103,"type":102,"marks":1104},"How to stop your variance report gathering dust",[1105],{"type":163,"attrs":1106},{"color":165},{"type":254,"attrs":1108},{"id":256,"body":1109},[1110],{"_uid":1111,"type":72,"asset":1112,"caption":72,"overlay":1116,"component":265},"i-255306f0-7e9a-45bd-8792-8c7734f47df6",{"id":1113,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1114,"copyright":72,"fieldtype":77,"meta_data":1115,"is_external_url":28},168565554321873,"https://a.storyblok.com/f/146026/2121x1414/597b39424a/a-team-of-employees-meeting.jpg",{},[],{"type":96,"attrs":1118,"content":1120},{"textAlign":25,"key":1119},"p-18",[1121],{"text":1122,"type":102,"marks":1123},"Variance reports get filed and forgotten for three reasons: comparing against a static baseline instead of a flexed one, treating every variance as equally important, and reporting findings after the window for corrective action has closed. Fix those three, and your budget stops being the document that gathers dust by March. It becomes the live management tool it was meant to be.",[1124],{"type":163,"attrs":1125},{"color":165},{"type":96,"attrs":1127,"content":1129},{"textAlign":25,"key":1128},"p-19",[1130,1135,1150],{"text":1131,"type":102,"marks":1132},"If your team is looking to close the gap between when spend happens and when it appears in your reporting, ",[1133],{"type":163,"attrs":1134},{"color":165},{"text":1136,"type":102,"marks":1137},"automated budget reporting",[1138,1147,1149],{"type":170,"attrs":1139},{"href":1140,"uuid":1141,"anchor":25,"target":174,"linktype":175,"story":1142},"/blog/modern-budgeting-reports/","3cd27c9d-8dc8-4ad7-ac5d-20e5fe70a565",{"name":1143,"id":1144,"uuid":1141,"slug":1145,"url":1146,"full_slug":1146,"_stopResolving":41},"Modern budgeting reports: how to improve budget control",208801909,"modern-budgeting-reports","blog/modern-budgeting-reports",{"type":163,"attrs":1148},{"color":183},{"type":185},{"text":1151,"type":102,"marks":1152}," is a practical next step toward earlier intervention and better forecasting decisions.",[1153],{"type":163,"attrs":1154},{"color":165},{"type":244,"attrs":1156,"content":1157},{"level":246,"textAlign":25},[1158],{"text":1159,"type":102,"marks":1160},"Frequently asked questions about budget variance analysis",[1161],{"type":163,"attrs":1162},{"color":165},{"type":244,"attrs":1164,"content":1165},{"level":499,"textAlign":25},[1166],{"text":1167,"type":102,"marks":1168},"What is the formula for budget variance?",[1169],{"type":163,"attrs":1170},{"color":165},{"type":96,"attrs":1172,"content":1174},{"textAlign":25,"key":1173},"p-20",[1175],{"text":1176,"type":102,"marks":1177},"The simplest formula subtracts actual spending from the budgeted amount. For cost lines, a positive number is adverse (A); for revenue lines, a positive number is favourable (F). You'll typically decompose this into sub-variances (material price, material usage, labour rate, labour efficiency), each following standard management accounting conventions.",[1178],{"type":163,"attrs":1179},{"color":165},{"type":244,"attrs":1181,"content":1182},{"level":499,"textAlign":25},[1183],{"text":1184,"type":102,"marks":1185},"What is the difference between a static and flexible budget variance?",[1186],{"type":163,"attrs":1187},{"color":165},{"type":96,"attrs":1189,"content":1191},{"textAlign":25,"key":1190},"p-21",[1192],{"text":1193,"type":102,"marks":1194},"A static budget variance compares actuals against the original budget fixed at the planned activity level. A flexible budget variance compares actuals against a budget restated at the actual activity level. The flexible approach removes volume effects, isolating the price and efficiency variances you can actually control.",[1195],{"type":163,"attrs":1196},{"color":165},{"type":244,"attrs":1198,"content":1199},{"level":499,"textAlign":25},[1200],{"text":1201,"type":102,"marks":1202},"What is budget variance analysis?",[1203],{"type":163,"attrs":1204},{"color":165},{"type":96,"attrs":1206,"content":1208},{"textAlign":25,"key":1207},"p-22",[1209],{"text":1210,"type":102,"marks":1211},"Budget variance analysis is the process of comparing your actual financial results against your budgeted figures for the same period, then investigating why the two differ. It sits within management accounting rather than statutory reporting, and most UK mid-market finance teams run it monthly as part of their management accounts cycle. The goal isn't just to find the differences but to determine which ones are large enough to investigate, what caused them, and whether corrective action is needed.",[1212],{"type":163,"attrs":1213},{"color":165},{"type":244,"attrs":1215,"content":1216},{"level":499,"textAlign":25},[1217],{"text":1218,"type":102,"marks":1219},"What is a good materiality threshold for variance investigation?",[1220],{"type":163,"attrs":1221},{"color":165},{"type":96,"attrs":1223,"content":1225},{"textAlign":25,"key":1224},"p-23",[1226],{"text":1227,"type":102,"marks":1228},"No UK professional body mandates a specific threshold. It's a professional judgement call. You'll want to set different thresholds for different expense categories based on their strategic importance, using both percentage and absolute-value triggers.",[1229],{"type":163,"attrs":1230},{"color":165},{"type":244,"attrs":1232,"content":1233},{"level":499,"textAlign":25},[1234],{"text":1235,"type":102,"marks":1236},"Should you investigate favourable variances?",[1237],{"type":163,"attrs":1238},{"color":165},{"type":96,"attrs":1240,"content":1242},{"textAlign":25,"key":1241},"p-24",[1243],{"text":1244,"type":102,"marks":1245},"Yes. A favourable cost variance may indicate deferred maintenance, under-resourcing, quality reduction, or poorly calibrated standards rather than genuine operational improvement. Don't assume a favourable number means good performance. The cause matters. A cost saving from deferred maintenance is a future liability, not an efficiency gain. Investigating both directions protects your team from decisions based on incomplete information.",[1246],{"type":163,"attrs":1247},{"color":165},{"name":1249,"created_at":1250,"published_at":16,"updated_at":1251,"id":1252,"uuid":1253,"content":1254,"slug":1261,"full_slug":1262,"sort_by_date":25,"position":26,"tag_list":1263,"is_startpage":28,"parent_id":1264,"meta_data":25,"group_id":1265,"first_published_at":1266,"release_id":25,"lang":32,"path":25,"alternates":1267,"default_full_slug":1262,"translated_slugs":1268,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1255,"icon":1256,"name":1249,"component":1260},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1257,"alt":1258,"name":72,"focus":72,"title":72,"filename":1259,"copyright":72,"fieldtype":77,"is_external_url":28},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],[1269,1270,1271],{"path":1262,"name":25,"lang":36,"published":25},{"path":1262,"name":25,"lang":38,"published":25},{"path":1262,"name":25,"lang":40,"published":25},[32],[1274],{"_uid":1275,"type":72,"asset":1276,"caption":72,"overlay":1280,"component":265},"95e09d22-5b5a-47b4-89ba-e49e22c85b40",{"id":1277,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1278,"copyright":72,"fieldtype":77,"meta_data":1279,"is_external_url":28},168583896408479,"https://a.storyblok.com/f/146026/1376x768/378759bda3/budget-variance-analysis.png",{},[],[],"2026-04-22 07:20",[],"Budget variance analysis done right: a worked GBP example, materiality thresholds, a controllability framework, and when to reforecast.",[],[],"budget-variance-analysis","blog/budget-variance-analysis",-1360,[],176386517,"d0b81cbe-f94e-4f46-9117-8424ba70896b",[],[1295,1296,1297],{"path":1288,"name":25,"lang":36,"published":25},{"path":1288,"name":25,"lang":38,"published":25},{"path":1288,"name":25,"lang":40,"published":25},{"header":1299,"footer":2088,"commonContent":2536,"userCentricsAndSegmentMappingTable":2689},{"name":1300,"created_at":1301,"published_at":1302,"updated_at":1303,"id":1304,"uuid":1305,"content":1306,"slug":1979,"full_slug":2076,"sort_by_date":25,"position":26,"tag_list":2077,"is_startpage":28,"parent_id":2079,"meta_data":25,"group_id":2080,"first_published_at":2081,"release_id":25,"lang":32,"path":2082,"alternates":2083,"default_full_slug":2076,"translated_slugs":2084},"Header","2022-03-03T10:18:44.837Z","2026-04-22T08:38:07.415Z","2026-04-22T08:38:07.516Z",112682816,"5cdfaafc-a9d2-47fd-a16f-d782131160fd",{"_uid":1307,"logo":1308,"navbar":1313,"loginBtn":1978,"component":1979,"languages":1980,"logoBlack":1999,"logoWhite":2003,"topNavbar":2008,"homepageLink":2017,"getStartedBtn":2027,"announcementBanner":2040,"localeSwitcherTitle":2075},"d642d99f-3914-487e-abe1-9515eca76325",{"id":1309,"alt":1310,"name":72,"focus":72,"title":1310,"source":72,"filename":1311,"copyright":72,"fieldtype":77,"meta_data":1312,"is_external_url":28},4112223,"Spendesk","https://a.storyblok.com/f/146026/x/5f4956f538/spendesk-logo.svg",{},[1314,1485,1729,1738,1749,1907],{"_uid":1315,"label":1316,"columns":1317,"component":1422,"headingNewBranding":1423},"e4e694b0-b265-4570-ad24-bd39e68e252d","Solutions",[1318,1380],{"_uid":1319,"ctas":1320,"label":1377,"component":1378,"labelColor":72,"backgroundIconColor":1379},"910b58bd-214d-44e6-b817-868580118d44",[1321,1335,1349,1363],{"tag":72,"_uid":1322,"hide":28,"icon":1323,"link":1327,"type":72,"label":1334,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"07b7af57-b06c-45b7-89cf-41aeacb0c1da",{"id":1324,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1325,"copyright":72,"fieldtype":77,"meta_data":1326,"is_external_url":28},16281094,"https://a.storyblok.com/f/146026/16x16/acfb59577a/icon-plane-carbon_no-bg.svg",{},{"id":1328,"url":72,"linktype":175,"fieldtype":82,"cached_url":1329,"story":1330},"2a707a65-6597-4ae6-bbc2-5e3f13075706","use-cases/travel-spending",{"name":1331,"id":1332,"uuid":1328,"slug":1333,"url":1329,"full_slug":1329,"_stopResolving":41},"Travel spending",129190854,"travel-spending","Business travel",{"tag":72,"_uid":1336,"hide":28,"icon":1337,"link":1341,"type":72,"label":1345,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"a2b1b91d-e211-471a-ab36-2c2e72f662a6",{"id":1338,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1339,"copyright":72,"fieldtype":77,"meta_data":1340,"is_external_url":28},16281108,"https://a.storyblok.com/f/146026/16x16/7e83fce79b/icon-subscription-carbon_no-bg.svg",{},{"id":1342,"url":72,"linktype":175,"fieldtype":82,"cached_url":1343,"story":1344},"a5ebc082-5ced-490f-beeb-91473f913fb7","product/subscription-management",{"name":1345,"id":1346,"uuid":1342,"slug":1347,"url":1348,"full_slug":1348,"_stopResolving":41},"Subscription management",127813566,"subscription-management","platform/subscription-management",{"tag":72,"_uid":1350,"hide":28,"icon":1351,"link":1355,"type":72,"label":1362,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"5c846046-055a-4ba5-95e4-6a0d8a1b3f7e",{"id":1352,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1353,"copyright":72,"fieldtype":77,"meta_data":1354,"is_external_url":28},16281103,"https://a.storyblok.com/f/146026/16x16/ca603cbd06/icon-settings-carbon_no-bg.svg",{},{"id":1356,"url":72,"linktype":175,"fieldtype":82,"cached_url":1357,"story":1358},"0925f744-a413-46d2-af4e-ed4c9fbd5f06","use-cases/administrative-expenses",{"name":1359,"id":1360,"uuid":1356,"slug":1361,"url":1357,"full_slug":1357,"_stopResolving":41},"Administrative expenses",129781018,"administrative-expenses","Admin & office expenses",{"tag":72,"_uid":1364,"hide":28,"icon":1365,"link":1369,"type":72,"label":1376,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"7dfefafd-dbba-4d9d-a097-c9412640d856",{"id":1366,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1367,"copyright":72,"fieldtype":77,"meta_data":1368,"is_external_url":28},16281105,"https://a.storyblok.com/f/146026/16x16/214a53f9c3/icon-advertising-carbon_no-bg.svg",{},{"id":1370,"url":72,"linktype":175,"fieldtype":82,"cached_url":1371,"story":1372},"ca384414-4154-4849-a5c9-3738c1ad70fd","use-cases/digital-advertising-spending",{"name":1373,"id":1374,"uuid":1370,"slug":1375,"url":1371,"full_slug":1371,"_stopResolving":41},"Digital advertising spending",129684661,"digital-advertising-spending","Digital advertising","Use cases","ctasColumn","--color-accent-03",{"_uid":1381,"ctas":1382,"label":1421,"component":1378,"labelColor":72,"backgroundIconColor":1379},"522818c5-8a80-491a-acf2-5076692c42b8",[1383,1396,1409,1415],{"tag":72,"_uid":1384,"hide":28,"icon":1385,"link":1389,"type":72,"label":1393,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"9d20303b-a836-4054-90c1-3692975dd9e7",{"id":1386,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1387,"copyright":72,"fieldtype":77,"meta_data":1388,"is_external_url":28},16729302,"https://a.storyblok.com/f/146026/32x32/8ebd65d145/icon-data-32px-carbon-naked.svg",{},{"id":1390,"url":72,"linktype":175,"fieldtype":82,"cached_url":1391,"story":1392},"14c532e3-be70-49f6-a7a8-b278a4765048","solutions/marketing-agencies",{"name":1393,"id":1394,"uuid":1390,"slug":1395,"url":1391,"full_slug":1391,"_stopResolving":41},"Marketing agencies",88680689699046,"marketing-agencies",{"tag":72,"_uid":1397,"hide":28,"icon":1398,"link":1402,"type":72,"label":1406,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"3bf0de10-90e2-46c1-852a-ea7c82f2b66e",{"id":1399,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1400,"copyright":72,"fieldtype":77,"meta_data":1401,"is_external_url":28},16729292,"https://a.storyblok.com/f/146026/32x32/13a655b516/icon-bank-32px-carbon-naked.svg",{},{"id":1403,"url":72,"linktype":175,"fieldtype":82,"cached_url":1404,"story":1405},"361e778c-9e2d-4b32-9aab-0a9bfbdfd551","solutions/education",{"name":1406,"id":1407,"uuid":1403,"slug":1408,"url":1404,"full_slug":1404,"_stopResolving":41},"Education",89639726954432,"education",{"tag":72,"_uid":1410,"hide":41,"icon":1411,"link":1413,"type":72,"label":1345,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"0c9184c2-c891-4fa4-a052-65b482d994dc",{"id":1338,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1339,"copyright":72,"fieldtype":77,"meta_data":1412,"is_external_url":28},{},{"id":1342,"url":72,"linktype":175,"fieldtype":82,"cached_url":1343,"story":1414},{"name":1345,"id":1346,"uuid":1342,"slug":1347,"url":1348,"full_slug":1348,"_stopResolving":41},{"tag":72,"_uid":1416,"hide":41,"icon":1417,"link":1419,"type":72,"label":1362,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"a3da358b-a450-44c1-846b-d33adb407390",{"id":1352,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1353,"copyright":72,"fieldtype":77,"meta_data":1418,"is_external_url":28},{},{"id":1356,"url":72,"linktype":175,"fieldtype":82,"cached_url":1357,"story":1420},{"name":1359,"id":1360,"uuid":1356,"slug":1361,"url":1357,"full_slug":1357,"_stopResolving":41},"Industries","dropdownMenu",[1424,1454],{"cta":1425,"_uid":1438,"title":1439,"eyebrow":1444,"subtitle":1447,"component":244,"textAlign":72,"sectionSettings":1453,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":72},[1426],{"tag":72,"_uid":1427,"hide":28,"icon":1428,"link":1430,"type":72,"label":1437,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"aceb3221-33ac-4dbe-a245-d52c549e9272",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":1429},{},{"id":1431,"url":72,"linktype":175,"fieldtype":82,"cached_url":1432,"story":1433},"c5228c54-f5a9-4c29-99d5-175ff3ddeded","solutions",{"name":1434,"id":1435,"uuid":1431,"slug":1432,"url":1436,"full_slug":1436,"_stopResolving":41},"Spendesk Solutions",130907109,"solutions/","Our solutions","c93c04c5-1a04-4fe1-87c1-94e54f6cba55",{"type":93,"content":1440},[1441],{"type":96,"content":1442},[1443],{"text":1316,"type":102},{"type":93,"content":1445},[1446],{"type":96},{"type":93,"content":1448},[1449],{"type":96,"content":1450},[1451],{"text":1452,"type":102},"Spendesk brings efficiency, visibility and control. ",[],{"cta":1455,"_uid":1468,"title":1469,"eyebrow":1475,"subtitle":1478,"component":244,"textAlign":72,"sectionSettings":1484,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":72},[1456],{"tag":72,"_uid":1457,"hide":28,"icon":1458,"link":1460,"type":72,"label":1467,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"d99b6858-ce22-47ad-a486-8103fd55e066",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":1459},{},{"id":1461,"url":72,"linktype":175,"fieldtype":82,"cached_url":1462,"story":1463},"1c30ee8f-415f-43f5-b430-2308d9c1fc92","solutions/our-support",{"name":1464,"id":1465,"uuid":1461,"slug":1466,"url":1462,"full_slug":1462,"_stopResolving":41},"Our Support",531777498,"our-support","Our support","c00ed66c-7ff0-4b41-b880-9b2a5120d1e5",{"type":93,"content":1470},[1471],{"type":96,"content":1472},[1473],{"text":1474,"type":102},"User care",{"type":93,"content":1476},[1477],{"type":96},{"type":93,"content":1479},[1480],{"type":96,"content":1481},[1482],{"text":1483,"type":102},"Our consultative approach sets us appart.",[],{"_uid":1486,"label":1487,"columns":1488,"component":1422,"headingNewBranding":1668},"99e54924-f77d-4501-978a-b578da0140ca","Platform",[1489,1551,1610],{"_uid":1490,"ctas":1491,"label":1549,"component":1378,"labelColor":72,"backgroundIconColor":1550},"5f198563-42a4-441a-bdb5-8a4ee4320b66",[1492,1506,1520,1535],{"tag":72,"_uid":1493,"hide":28,"icon":1494,"link":1498,"type":72,"label":1505,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"68a2616c-26e5-4688-8333-6c5a4fab3190",{"id":1495,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1496,"copyright":72,"fieldtype":77,"meta_data":1497,"is_external_url":28},16281100,"https://a.storyblok.com/f/146026/16x16/cc8b7906c6/icon-cart-carbon_no-bg.svg",{},{"id":1499,"url":72,"linktype":175,"fieldtype":82,"cached_url":1500,"story":1501},"f77dd8b1-8d41-4544-ac6a-c6f16b40172d","platform/procure-to-pay",{"name":1502,"id":1503,"uuid":1499,"slug":1504,"url":1500,"full_slug":1500,"_stopResolving":41},"Procure to pay",547924382,"procure-to-pay","Procure-to-pay",{"tag":72,"_uid":1507,"hide":28,"icon":1508,"link":1512,"type":72,"label":1519,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"9dee1a69-11fd-470d-a6b7-98afd828410c",{"id":1509,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1510,"copyright":72,"fieldtype":77,"meta_data":1511,"is_external_url":28},16281102,"https://a.storyblok.com/f/146026/16x17/f28007595c/icon-approved-expenses-carbon_no-bg.svg",{},{"id":1513,"url":72,"linktype":175,"fieldtype":82,"cached_url":1514,"story":1515},"9e3b6790-947e-43d1-acab-ba4d5dcd9ea8","platform/invoice-management",{"name":1516,"id":1517,"uuid":1513,"slug":1518,"url":1514,"full_slug":1514,"_stopResolving":41},"Invoice management ",126360243,"invoice-management","Accounts payable",{"tag":72,"_uid":1521,"icon":1522,"link":1526,"type":72,"label":1534,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28},"40af8152-1e3f-4e5c-b9f2-5d8ff7672be7",{"id":1523,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1524,"copyright":72,"fieldtype":77,"meta_data":1525,"is_external_url":28},16281091,"https://a.storyblok.com/f/146026/16x16/c5475cecd9/icon-platic-card-carbon_no-bg.svg",{},{"id":1527,"url":72,"linktype":175,"fieldtype":82,"cached_url":1528,"story":1529},"27dba625-a774-450b-9fb8-47efecbc5fc1","product/smart-company-cards",{"name":1530,"id":1531,"uuid":1527,"slug":1532,"url":1533,"full_slug":1533,"_stopResolving":41},"Cards page",129613969,"smart-company-cards","platform/smart-company-cards","Corporate cards",{"tag":72,"_uid":1536,"icon":1537,"link":1541,"type":72,"label":136,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28},"d4a764d5-0117-45bc-a861-015535b1c2c7",{"id":1538,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1539,"copyright":72,"fieldtype":77,"meta_data":1540,"is_external_url":28},16281106,"https://a.storyblok.com/f/146026/16x16/b57ae3cc57/icon-expenses-carbon_no-bg.svg",{},{"id":1542,"url":72,"linktype":175,"fieldtype":82,"cached_url":1543,"story":1544},"c865b29b-fbb1-4988-a734-7b12cffb7a10","product/expense-reimbursements",{"name":1545,"id":1546,"uuid":1542,"slug":1547,"url":1548,"full_slug":1548,"_stopResolving":41},"Employee expense reimbursements",126358479,"expense-reimbursements","platform/expense-reimbursements","Features","--color-accent-04",{"_uid":1552,"ctas":1553,"label":1609,"component":1378,"labelColor":72,"backgroundIconColor":1550},"c7e769a0-95c8-49e3-a177-8c7061def31b",[1554,1568,1582,1596],{"tag":72,"_uid":1555,"icon":1556,"link":1560,"type":72,"label":1567,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28},"b4465174-3e37-44c2-99ee-8cd84e6e5a98",{"id":1557,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1558,"copyright":72,"fieldtype":77,"meta_data":1559,"is_external_url":28},16281085,"https://a.storyblok.com/f/146026/16x16/aa4d62e541/icon-office-carbon_no-bg.svg",{},{"id":1561,"url":72,"linktype":175,"fieldtype":82,"cached_url":1562,"story":1563},"401777c6-ec33-41bf-a126-f5675213ce30","platform/multi-entity-management",{"name":1564,"id":1565,"uuid":1561,"slug":1566,"url":1562,"full_slug":1562,"_stopResolving":41},"Multi entity management ",543790980,"multi-entity-management","Multi-entity management",{"tag":72,"_uid":1569,"icon":1570,"link":1574,"type":72,"label":1578,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28},"a221e345-d3e8-4ff0-a369-05e61f9fba59",{"id":1571,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1572,"copyright":72,"fieldtype":77,"meta_data":1573,"is_private":28,"is_external_url":28},16281109,"https://a.storyblok.com/f/146026/16x16/e708885b4d/icon-wallet-carbon_no-bg.svg",{},{"id":1575,"url":72,"linktype":175,"fieldtype":82,"cached_url":1576,"story":1577},"dc5827db-8929-4b1e-87bd-21f53a1360bd","product/budgets",{"name":1578,"id":1579,"uuid":1575,"slug":1580,"url":1581,"full_slug":1581,"_stopResolving":41},"Budgets",126326949,"budgets","platform/budgets",{"tag":72,"_uid":1583,"icon":1584,"link":1588,"type":72,"label":1592,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28},"9e220b42-d0a6-4c36-a96b-91b01b87e101",{"id":1585,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1586,"copyright":72,"fieldtype":77,"meta_data":1587,"is_private":28,"is_external_url":28},16281101,"https://a.storyblok.com/f/146026/16x16/b034825fce/icon-accounting-carbon_no-bg.svg",{},{"id":1589,"url":72,"linktype":175,"fieldtype":82,"cached_url":1590,"story":1591},"3299ad8c-d6b6-4293-a690-4003b9c06318","product/accounting-automation",{"name":1592,"id":1593,"uuid":1589,"slug":1594,"url":1595,"full_slug":1595,"_stopResolving":41},"Accounting automation",126272847,"accounting-automation","platform/accounting-automation",{"tag":72,"_uid":1597,"hide":28,"icon":1598,"link":1602,"type":72,"label":1608,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"76b72eb5-5280-4090-a668-a95a133fa704",{"id":1599,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1600,"copyright":72,"fieldtype":77,"meta_data":1601,"is_external_url":28},21457318,"https://a.storyblok.com/f/146026/20x20/22db21b3ea/icon-globe-32px-carbon-naked.svg",{},{"id":1603,"url":72,"linktype":175,"fieldtype":82,"cached_url":1604,"story":1605},"9ea35e7e-0f2b-40f0-b05d-afd93b736da1","platform/international-payments",{"name":1606,"id":1607,"uuid":1603,"slug":1606,"url":1604,"full_slug":1604,"_stopResolving":41},"international-payments",641735127,"International payments"," ",{"_uid":1611,"ctas":1612,"label":72,"component":1378,"labelColor":72,"backgroundIconColor":1550},"1ba2d79a-bfdc-40f8-bc32-d9f90b067954",[1613,1627,1641,1654],{"tag":72,"_uid":1614,"hide":28,"icon":1615,"link":1619,"type":72,"label":1626,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"e34c6eb7-e2bb-431a-b5b9-b73d3b012ed6",{"id":1616,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1617,"copyright":72,"fieldtype":77,"meta_data":1618,"is_private":28,"is_external_url":28},16281093,"https://a.storyblok.com/f/146026/16x16/6958f61a21/icon-puzzle-carbon_no-bg.svg",{},{"id":1620,"url":72,"linktype":175,"fieldtype":82,"cached_url":1621,"story":1622},"e0594f7b-c01a-45b3-96e2-186a17439c46","integrations/",{"name":1623,"id":1624,"uuid":1620,"slug":1625,"url":1621,"full_slug":1621,"_stopResolving":41},"Integrations",129006144,"integrations","API & integrations",{"tag":72,"_uid":1628,"hide":28,"icon":1629,"link":1633,"type":72,"label":1640,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"ba5adb04-14d2-4bba-8fc3-e9135e68115b",{"id":1630,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1631,"copyright":72,"fieldtype":77,"meta_data":1632,"is_external_url":28},16281089,"https://a.storyblok.com/f/146026/16x16/ce87d35ba0/icon-policy-carbon_no-bg.svg",{},{"id":1634,"url":72,"linktype":175,"fieldtype":82,"cached_url":1635,"story":1636},"79d1bdda-8e35-460a-989e-aa49bb0b9234","platform/spend-control",{"name":1637,"id":1638,"uuid":1634,"slug":1639,"url":1635,"full_slug":1635,"_stopResolving":41},"Control",126270405,"spend-control","Approvals",{"tag":72,"_uid":1642,"hide":28,"icon":1643,"link":1647,"type":72,"label":1653,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"19426b5b-4673-4b54-8db8-7fecd4e1615d",{"id":1644,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1645,"copyright":72,"fieldtype":77,"meta_data":1646,"is_external_url":28},16281095,"https://a.storyblok.com/f/146026/16x16/517c30f879/icon-1.svg",{},{"id":1648,"url":72,"linktype":175,"fieldtype":82,"cached_url":1649,"story":1650},"0fcd9d53-6332-4709-aeeb-2e72863eb107","spendesk-security",{"name":1651,"id":1652,"uuid":1648,"slug":1649,"url":1649,"full_slug":1649,"_stopResolving":41},"Security",126230553,"Security & privacy",{"tag":72,"_uid":1655,"hide":28,"icon":1656,"link":1660,"type":72,"label":1667,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"b3f6d767-9773-4921-9d2c-5a3779121461",{"id":1657,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1658,"copyright":72,"fieldtype":77,"meta_data":1659,"is_external_url":28},16729328,"https://a.storyblok.com/f/146026/32x32/b0f8886cda/icon-marvin-32px-carbon-naked.svg",{},{"id":1661,"url":72,"linktype":175,"fieldtype":82,"cached_url":1662,"story":1663},"ebc87909-a3bc-4e54-8bfe-a21df5ef0d70","platform/ai-automation",{"name":1664,"id":1665,"uuid":1661,"slug":1666,"url":1662,"full_slug":1662,"_stopResolving":41},"AI & automation",642738535,"ai-automation","AI",[1669,1697],{"cta":1670,"_uid":1681,"title":1682,"eyebrow":1687,"subtitle":1690,"component":244,"textAlign":72,"sectionSettings":1696,"subtitleLeftBorder":28},[1671],{"tag":72,"_uid":1672,"icon":1673,"link":1674,"type":72,"label":1680,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28},"c116cfe4-00a7-4def-bfa6-50635b56f3cd",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":77},{"id":1675,"url":72,"linktype":175,"fieldtype":82,"cached_url":1676,"story":1677},"4b39d188-071f-4f1b-9670-76374dd671b8","platform",{"name":1487,"id":1678,"uuid":1675,"slug":1676,"url":1679,"full_slug":1679,"_stopResolving":41},511195522,"platform/","Overview","5602ee0e-a19d-4a6d-81c7-654623a62c53",{"type":93,"content":1683},[1684],{"type":96,"content":1685},[1686],{"text":1487,"type":102},{"type":93,"content":1688},[1689],{"type":96},{"type":93,"content":1691},[1692],{"type":96,"content":1693},[1694],{"text":1695,"type":102},"See how our all-in-one spending solution works.",[],{"cta":1698,"_uid":1709,"title":1710,"eyebrow":1717,"subtitle":1720,"component":244,"textAlign":72,"flexibleSection":1727,"sectionSettings":1728,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":72},[1699],{"tag":72,"_uid":1700,"hide":28,"icon":1701,"link":1702,"type":72,"label":1708,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"1cd3d32b-b66d-4608-9ddd-d8ea0ef7fac7",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":77},{"id":1703,"url":72,"linktype":175,"fieldtype":82,"cached_url":1704,"story":1705},"9ea7c945-f9d9-47ba-80fa-d62ca19442f8","platform/platform-releases/march-update-2026",{"name":1706,"id":1707,"uuid":1703,"slug":1706,"url":1704,"full_slug":1704,"_stopResolving":41},"march-update-2026",147111594254215,"Discover what's new","02a2cec4-8d22-41c4-9372-4fcd44497875",{"type":93,"content":1711},[1712],{"type":96,"attrs":1713,"content":1714},{"textAlign":25,"key":98},[1715],{"text":1716,"type":102},"Spring updates",{"type":93,"content":1718},[1719],{"type":96},{"type":93,"content":1721},[1722],{"type":96,"attrs":1723,"content":1724},{"textAlign":25,"key":98},[1725],{"text":1726,"type":102},"Take a look at the latest product features.",[],[],{"tag":72,"_uid":1730,"hide":28,"icon":1731,"link":1732,"type":72,"label":1736,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"3e099d1d-7633-470a-b225-70ff55117055",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":77},{"id":1733,"url":72,"linktype":175,"fieldtype":82,"cached_url":1734,"story":1735},"3fa6ea10-966e-4089-af4b-7e6e442aa044","pricing",{"name":1736,"id":1737,"uuid":1733,"slug":1734,"url":1734,"full_slug":1734,"_stopResolving":41},"Pricing",118542802,{"tag":72,"_uid":1739,"icon":1740,"link":1741,"type":72,"label":1748,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28},"d5e1987a-f5af-4885-8aaa-ef59abcd1856",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":77},{"id":1742,"url":72,"linktype":175,"fieldtype":82,"cached_url":1743,"story":1744},"09ad78b4-d4be-4ef1-9f8d-7f452d2592ee","customers/",{"name":1745,"id":1746,"uuid":1742,"slug":1747,"url":1743,"full_slug":1743,"_stopResolving":41},"Listing page",107236629,"customers","Customer stories",{"_uid":1750,"label":1751,"columns":1752,"component":1422,"headingNewBranding":1906},"59752063-d282-4855-95bc-45cfb825ed90","Resources",[1753,1810,1875],{"_uid":1754,"ctas":1755,"label":1808,"component":1378,"backgroundIconColor":1809},"705444cd-cbfb-417a-99c3-8481453ed293",[1756,1770,1782,1795],{"tag":72,"_uid":1757,"icon":1758,"link":1762,"type":72,"label":1769,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28},"5fa4f3ea-1139-4bfb-9f4b-5bfc2ee878e4",{"id":1759,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1760,"copyright":72,"fieldtype":77,"meta_data":1761,"is_private":28,"is_external_url":28},16281084,"https://a.storyblok.com/f/146026/16x16/4c0bcd937c/icon-edit-carbon_no-bg.svg",{},{"id":1763,"url":72,"linktype":175,"fieldtype":82,"cached_url":1764,"story":1765},"f85ca87f-b289-449f-9fc4-9c760a70f55b","blog/",{"name":1766,"id":1767,"uuid":1763,"slug":1768,"url":1764,"full_slug":1764,"_stopResolving":41},"Blog homepage (listing page)",181576014,"blog","Blog",{"tag":72,"_uid":1771,"hide":28,"icon":1772,"link":1776,"type":72,"label":1780,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"550defa8-3f12-404f-93c9-d1712a0cede6",{"id":1773,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1774,"copyright":72,"fieldtype":77,"meta_data":1775,"is_external_url":28},22166084,"https://a.storyblok.com/f/146026/16x16/70203afe7e/icon_-_play_-_carbon.svg",{},{"id":1777,"url":72,"linktype":175,"fieldtype":82,"cached_url":1778,"story":1779},"ee09d2a9-10e7-4197-8982-50a2e4c7e73e","webinars",{"name":1780,"id":1781,"uuid":1777,"slug":1778,"url":1778,"full_slug":1778,"_stopResolving":41},"Webinars",657702684,{"tag":72,"_uid":1783,"hide":28,"icon":1784,"link":1788,"type":72,"label":1794,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"d6c7b904-02c6-4635-b6ef-7c41c9ffc857",{"id":1785,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1786,"copyright":72,"fieldtype":77,"meta_data":1787,"is_private":28,"is_external_url":28},16281086,"https://a.storyblok.com/f/146026/16x16/0e8759095b/icon-help-carbon_no-bg.svg",{},{"id":1789,"url":72,"linktype":175,"fieldtype":82,"cached_url":1790,"story":1791},"58f938c1-a22b-4a2a-8ba3-85610455b1e2","faq",{"name":1792,"id":1793,"uuid":1789,"slug":1790,"url":1790,"full_slug":1790,"_stopResolving":41},"FAQ",126231937,"FAQs",{"tag":72,"_uid":1796,"hide":28,"icon":1797,"link":1801,"type":72,"label":1805,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"615e7cc9-41e0-4033-aa94-52ae8aa728ff",{"id":1798,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1799,"copyright":72,"fieldtype":77,"meta_data":1800,"is_private":28,"is_external_url":28},16281080,"https://a.storyblok.com/f/146026/17x17/dfacf276ea/icon-search-carbon_no-bg.svg",{},{"id":1802,"url":72,"linktype":175,"fieldtype":82,"cached_url":1803,"story":1804},"73f35c2d-ebf7-4761-8e05-7ef4d9d7df01","glossary/",{"name":1805,"id":1806,"uuid":1802,"slug":1807,"url":1803,"full_slug":1803,"_stopResolving":41},"Glossary",127190994,"glossary","Helpful content","--color-accent-05",{"_uid":1811,"ctas":1812,"label":1874,"component":1378,"labelColor":72,"backgroundIconColor":1809},"487d38bc-1a08-45a5-807a-5a7c04de8a6e",[1813,1823,1836,1849,1863],{"tag":72,"_uid":1814,"hide":28,"icon":1815,"link":1817,"type":72,"label":1821,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"8f6dba5c-37eb-4e62-a1ab-3c40a4558b8e",{"id":1657,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1658,"copyright":72,"fieldtype":77,"meta_data":1816,"is_external_url":28},{},{"id":1818,"url":72,"linktype":175,"fieldtype":82,"cached_url":1819,"story":1820},"9425912b-288d-48f1-a7c7-6247f58ed8ed","ai",{"name":1821,"id":1822,"uuid":1818,"slug":1819,"url":1819,"full_slug":1819,"_stopResolving":41},"AI Hub",114865617041697,{"tag":72,"_uid":1824,"icon":1825,"link":1829,"type":72,"label":1835,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28},"7777fb05-58e5-4f3c-aa58-92cdbc65fd09",{"id":1826,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1827,"copyright":72,"fieldtype":77,"meta_data":1828,"is_external_url":28},16281087,"https://a.storyblok.com/f/146026/16x16/e6ec37650f/icon-file-carbon_no-bg.svg",{},{"id":1830,"url":72,"linktype":175,"fieldtype":82,"cached_url":1831,"story":1832},"b116361a-f2a4-40f7-a021-4b9b64edade9","finance-resources",{"name":1833,"id":1834,"uuid":1830,"slug":1831,"url":1831,"full_slug":1831,"_stopResolving":41},"Finance resources",363638378,"Finance Team Resources",{"tag":72,"_uid":1837,"hide":28,"icon":1838,"link":1842,"type":72,"label":1846,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"627fe88e-fe6c-48e9-a3c4-2fd3336c1013",{"id":1839,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1840,"copyright":72,"fieldtype":77,"meta_data":1841,"is_external_url":28},70200044241480,"https://a.storyblok.com/f/146026/20x20/c23deb7ab6/icon-map-carbon_no-bg.svg",{},{"id":1843,"url":72,"linktype":175,"fieldtype":82,"cached_url":1844,"story":1845},"52ff1d3e-2698-4924-98a8-bb3c78d08bac","tools/cfo-tech-stack-map",{"name":1846,"id":1847,"uuid":1843,"slug":1848,"url":1844,"full_slug":1844,"_stopResolving":41},"CFO Tech Stack Map",688303595,"cfo-tech-stack-map",{"tag":72,"_uid":1850,"hide":41,"icon":1851,"link":1855,"type":72,"label":1862,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"bcc29e92-02f7-467c-95b2-b1a3745b8641",{"id":1852,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1853,"copyright":72,"fieldtype":77,"meta_data":1854,"is_external_url":28},16281098,"https://a.storyblok.com/f/146026/16x16/3e30487589/icon-calculator-carbon_no-bg.svg",{},{"id":1856,"url":72,"linktype":175,"fieldtype":82,"cached_url":1857,"story":1858},"ab956bec-b6b4-434a-b4aa-b772873f9577","tools/spend-management-calculator",{"name":1859,"id":1860,"uuid":1856,"slug":1861,"url":1857,"full_slug":1857,"_stopResolving":41},"ROI calculator",159362364,"spend-management-calculator","ROI Calculator",{"tag":72,"_uid":1864,"icon":1865,"link":1867,"type":72,"label":1873,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28},"2ebe313f-59e0-4d88-b72e-217efc4a1c17",{"id":1509,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1510,"copyright":72,"fieldtype":77,"meta_data":1866,"is_external_url":28},{},{"id":1868,"url":72,"linktype":175,"fieldtype":82,"cached_url":1869,"story":1870},"001bfc30-c6f3-44bd-93ed-888c2ec3bc46","tools/hmrc-mileage-calculator",{"name":1871,"id":1872,"uuid":1868,"slug":1871,"url":1869,"full_slug":1869,"_stopResolving":41},"hmrc-mileage-calculator",590567568,"HMRC Mileage Calculator","Resources & Tools",{"_uid":1876,"ctas":1877,"label":1905,"component":1378,"backgroundIconColor":1809},"42cd977b-64fd-4daa-a999-3e539c48fdf8",[1878,1887,1896],{"tag":72,"_uid":1879,"icon":1880,"link":1884,"type":72,"label":1886,"style":83,"component":84,"onClickEvent":72,"openInANewTab":41},"2d80d8b9-bc29-451a-8830-93f777a4035f",{"id":1881,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1882,"copyright":72,"fieldtype":77,"meta_data":1883,"is_external_url":28},16281104,"https://a.storyblok.com/f/146026/24x24/9630540d4d/icon-cfoc-carbon_no-bg.svg",{},{"id":72,"url":1885,"linktype":81,"fieldtype":82,"cached_url":1885},"https://www.cfoconnect.eu/en/","Join CFO Connect",{"tag":72,"_uid":1888,"icon":1889,"link":1893,"type":72,"label":1895,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28},"8aa1408e-a5de-4956-b981-e612681b1217",{"id":1890,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1891,"copyright":72,"fieldtype":77,"meta_data":1892,"is_private":28,"is_external_url":28},16281088,"https://a.storyblok.com/f/146026/16x16/11abf8539b/icon-calendar-carbon_no-bg.svg",{},{"id":72,"url":1894,"linktype":81,"cached_url":1894},"https://www.cfoconnect.eu/en/events/?__hstc=41219197.bbead300ed8109c4e10bec25b53311f8.1650355153846.1650355153846.1650393005163.2&__hssc=41219197.10.1650393005163&__hsfp=2647279916","Events",{"tag":72,"_uid":1897,"icon":1898,"link":1902,"type":72,"label":1904,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28},"51f87bc2-673b-462f-8774-e0e4ff7d7c32",{"id":1899,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1900,"copyright":72,"fieldtype":77,"meta_data":1901,"is_private":28,"is_external_url":28},16281082,"https://a.storyblok.com/f/146026/16x16/d2c2ef928e/icon-chat-carbon_no-bg.svg",{},{"id":72,"url":1903,"linktype":81,"cached_url":1903},"https://www.cfoconnect.eu/en/resources/faces-of-finance/?__hstc=41219197.bbead300ed8109c4e10bec25b53311f8.1650355153846.1650355153846.1650393005163.2&__hssc=41219197.11.1650393005163&__hsfp=2647279916","Faces of Finance","Community",[],{"_uid":1908,"label":1909,"columns":1910,"component":1422,"headingNewBranding":1977},"4d29560b-a121-4a55-83cc-9ad81e6c3b0d","Company",[1911,1949],{"_uid":1912,"ctas":1913,"label":1909,"component":1378,"labelColor":72,"backgroundIconColor":1948},"e742d8be-34ef-4dd7-a505-637bcae2bfe0",[1914,1925,1934],{"tag":72,"_uid":1915,"hide":28,"icon":1916,"link":1918,"type":72,"label":1924,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"08110155-0385-4a0d-bb1f-23db5d38e45f",{"id":1557,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1558,"copyright":72,"fieldtype":77,"meta_data":1917,"is_private":28,"is_external_url":28},{},{"id":1919,"url":72,"linktype":175,"fieldtype":82,"cached_url":1920,"story":1921},"e44ca227-8de9-44c9-93ac-9229f1e769ba","about",{"name":1922,"id":1923,"uuid":1919,"slug":1920,"url":1920,"full_slug":1920,"_stopResolving":41},"Our story",126213445,"About us",{"tag":72,"_uid":1926,"hide":28,"icon":1927,"link":1931,"type":72,"label":1933,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"10f20954-92be-45a9-a38d-4ff377ae1a91",{"id":1928,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1929,"copyright":72,"fieldtype":77,"meta_data":1930,"is_external_url":28},16281083,"https://a.storyblok.com/f/146026/16x16/4710670fe5/icon-suitcase-carbon_no-bg.svg",{},{"id":72,"url":1932,"linktype":81,"fieldtype":82,"cached_url":1932},"https://career.spendesk.com","Careers",{"tag":72,"_uid":1935,"hide":28,"icon":1936,"link":1940,"type":72,"label":1947,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"54992a01-315a-44ea-8d42-530e6a4991e4",{"id":1937,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1938,"copyright":72,"fieldtype":77,"meta_data":1939,"is_private":28,"is_external_url":28},16281079,"https://a.storyblok.com/f/146026/16x16/b2eba365dd/icon-news-carbon_no-bg.svg",{},{"id":1941,"url":72,"linktype":175,"fieldtype":82,"cached_url":1942,"story":1943},"f09d7678-b42b-4c68-b4a5-3d26d457355c","press/",{"name":1944,"id":1945,"uuid":1941,"slug":1946,"url":1942,"full_slug":1942,"_stopResolving":41},"Spendesk Press",265014512,"press","News & Press","--color-accent-06",{"_uid":1950,"ctas":1951,"label":1609,"component":1378,"labelColor":72,"backgroundIconColor":1948},"59a11592-e6cb-405d-8208-9e3c365ac046",[1952,1965],{"tag":72,"_uid":1953,"hide":28,"icon":1954,"link":1958,"type":72,"label":1962,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"4c769292-9f5f-404f-90d3-9a6ed38483ff",{"id":1955,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1956,"copyright":72,"fieldtype":77,"meta_data":1957,"is_private":28,"is_external_url":28},16281099,"https://a.storyblok.com/f/146026/18x16/a7c116c072/icon-people-carbon_no-bg.svg",{},{"id":1959,"url":72,"linktype":175,"fieldtype":82,"cached_url":1960,"story":1961},"256bc156-b5de-4af2-a9d9-17e2f24d8448","partners/",{"name":1962,"id":1963,"uuid":1959,"slug":1964,"url":1960,"full_slug":1960,"_stopResolving":41},"Partners",113802294,"partners",{"tag":72,"_uid":1966,"hide":28,"icon":1967,"link":1971,"type":72,"label":1975,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"f0e6324a-5e60-43c4-bffc-3430ec5c000b",{"id":1968,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1969,"copyright":72,"fieldtype":77,"meta_data":1970,"is_private":28,"is_external_url":28},16281081,"https://a.storyblok.com/f/146026/18x18/01e1262e82/icon-phone-carbon_no-bg.svg",{},{"id":1972,"url":72,"linktype":175,"fieldtype":82,"cached_url":1973,"story":1974},"07eb4f4d-6829-4200-a43a-40fe668dbd09","contact-us",{"name":1975,"id":1976,"uuid":1972,"slug":1973,"url":1973,"full_slug":1973,"_stopResolving":41},"Contact us",126275406,[],"Login","header",[1981,1986,1991,1995],{"_uid":1982,"code":38,"name":1983,"component":1984,"shortName":1985},"3825432f-6270-4fc5-a6de-2268b10d53ab","Deutsch","language","DE",{"_uid":1987,"code":1988,"name":1989,"component":1984,"shortName":1990},"5050c343-1954-40e4-bc50-71a22fceaf28","en","English","EN",{"_uid":1992,"code":40,"name":1993,"component":1984,"shortName":1994},"76d21077-cbac-4f11-9fed-1cee8e6221ae","Español","ES",{"_uid":1996,"code":36,"name":1997,"component":1984,"shortName":1998},"a451f395-b57c-4be1-8e17-c87dbc81b87b","Français","FR",{"id":2000,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":2001,"copyright":72,"fieldtype":77,"meta_data":2002,"is_external_url":28},15300953,"https://a.storyblok.com/f/146026/143x22/ff77add2ca/spendesk-logo-black.svg",{},{"id":2004,"alt":1310,"name":72,"focus":72,"title":2005,"source":72,"filename":2006,"copyright":72,"fieldtype":77,"meta_data":2007,"is_external_url":28},4112224,"Spendesk white","https://a.storyblok.com/f/146026/x/8000a10792/spendesk-logo-white.svg",{},[2009],{"tag":72,"_uid":2010,"hide":28,"icon":2011,"link":2013,"type":72,"label":2015,"style":83,"component":84,"onClickEvent":2016,"openInANewTab":41,"horizontalFill":28},"76967f37-ad44-44e4-942f-2b6c1c1ee456",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2012},{},{"id":72,"url":2014,"linktype":81,"fieldtype":82,"cached_url":2014},"https://helpcenter.spendesk.com","Help Center","website:navbar:helpcenter_cta:clicked",[2018],{"tag":72,"_uid":2019,"hide":28,"icon":2020,"link":2021,"type":72,"label":72,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"b3e35b40-8a11-4b10-8610-d965ad8998f4",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":77},{"id":2022,"url":72,"linktype":175,"fieldtype":82,"cached_url":2023,"story":2024},"cda85daf-0d14-4698-9bb2-d5fbb6bd7bc5","home",{"name":2025,"id":2026,"uuid":2022,"slug":2023,"url":2023,"full_slug":2023,"_stopResolving":41},"Homepage",106735746,[2028],{"tag":72,"_uid":2029,"hide":28,"icon":2030,"link":2031,"type":72,"label":2038,"style":83,"component":84,"onClickEvent":2039,"openInANewTab":28,"horizontalFill":28},"2c621606-7c33-47b3-9eb1-456d185505fe",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":72,"copyright":25,"fieldtype":77},{"id":2032,"url":72,"anchor":72,"linktype":175,"fieldtype":82,"cached_url":2033,"story":2034},"92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","schedule-a-demo/",{"name":2035,"id":2036,"uuid":2032,"slug":2037,"url":2033,"full_slug":2033,"_stopResolving":41},"Schedule a demo",126838129,"schedule-a-demo","Book a demo","website:navbar:book_a_demo_cta:clicked",[2041],{"_uid":2042,"hide":41,"style":2043,"content":2044,"display":2061,"component":2062,"hideOnMobile":28,"mobileContent":2063},"295cfee8-25ae-49d8-8704-8e96565866d5","blue",{"type":93,"content":2045},[2046],{"type":96,"attrs":2047,"content":2048},{"textAlign":25},[2049,2055],{"text":2050,"type":102,"marks":2051},"Join our Finance Masterclass on 9 December at 4pm GMT: How to Become an AI-First CFO in 2026. ",[2052],{"type":163,"attrs":2053},{"color":2054},"#1D1C1D",{"text":2056,"type":102,"marks":2057},"Register nower",[2058],{"type":170,"attrs":2059},{"href":2060,"uuid":25,"anchor":25,"target":596,"linktype":81},"https://www.spendesk.com/events/spendesk-x-nicolas-boucher-ai-webinar/","Whole website","announcementBanner",{"type":93,"content":2064},[2065],{"type":96,"attrs":2066,"content":2067},{"textAlign":25},[2068,2070],{"text":2069,"type":102},"Join our Finance Masterclass Dec 9, 4pm GMT: Become an AI-First CFO in 2026. ",{"text":2071,"type":102,"marks":2072},"Register now",[2073],{"type":170,"attrs":2074},{"href":2060,"uuid":25,"anchor":25,"target":596,"linktype":81},"Select your language","global-components/header",[2078],"Links checked",111907194,"ef28e32e-3701-433a-b77f-08737a82cfdc","2022-03-09T14:32:27.754Z","/",[],[2085,2086,2087],{"path":2076,"name":25,"lang":36,"published":25},{"path":2076,"name":25,"lang":38,"published":25},{"path":2076,"name":25,"lang":40,"published":25},{"name":2089,"created_at":2090,"published_at":2091,"updated_at":2092,"id":2093,"uuid":2094,"content":2095,"slug":2349,"full_slug":2527,"sort_by_date":25,"position":52,"tag_list":2528,"is_startpage":28,"parent_id":2079,"meta_data":25,"group_id":2529,"first_published_at":2530,"release_id":25,"lang":32,"path":1764,"alternates":2531,"default_full_slug":2527,"translated_slugs":2532},"Footer","2022-03-03T10:27:46.390Z","2025-08-25T13:05:26.924Z","2025-08-25T13:05:26.946Z",112689691,"bd332f6b-f70a-4f07-abe4-434b845b6945",{"_uid":2096,"lists":2097,"component":2349,"logoLinks":2350,"legalLinks":2375,"socialLinks":2426,"newsletterForm":2467,"newsletterTitle":2505,"smallDescription":2506,"newsletterSubtitle":2512,"legalDescriptionText":2513},"68acc184-683a-412b-863a-297708c3cffb",[2098,2186,2254,2317],{"_uid":2099,"ctas":2100,"label":1316,"component":1378,"labelColor":72,"backgroundIconColor":72},"d0f2d38f-3465-422c-9ebf-15df11d2c26b",[2101,2113,2120,2127,2134,2146,2153,2164,2175],{"tag":72,"_uid":2102,"hide":28,"icon":2103,"link":2105,"type":72,"label":2112,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"6c234d18-72c2-4bd6-9f55-f4e43594afab",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2104},{},{"id":2106,"url":72,"linktype":175,"fieldtype":82,"cached_url":2107,"story":2108},"55eff7ea-e09a-4ede-98c5-21bc5a882f28","use-cases/invoice-processing",{"name":2109,"id":2110,"uuid":2106,"slug":2111,"url":2107,"full_slug":2107,"_stopResolving":41},"Automated invoice processing",129356665,"invoice-processing","Invoice Processing",{"tag":72,"_uid":2114,"hide":28,"icon":2115,"link":2117,"type":72,"label":2119,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"85a7dae5-f766-4f55-b545-3cfe43c0f819",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2116},{},{"id":1356,"url":72,"linktype":175,"fieldtype":82,"cached_url":1357,"story":2118},{"name":1359,"id":1360,"uuid":1356,"slug":1361,"url":1357,"full_slug":1357,"_stopResolving":41},"Administrative Expenses",{"tag":72,"_uid":2121,"hide":28,"icon":2122,"link":2124,"type":72,"label":2126,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"dca639bb-1c45-45e9-8ab9-6bf130a9fff7",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2123},{},{"id":1342,"url":72,"linktype":175,"fieldtype":82,"cached_url":1343,"story":2125},{"name":1345,"id":1346,"uuid":1342,"slug":1347,"url":1348,"full_slug":1348,"_stopResolving":41},"Subscription Management",{"tag":72,"_uid":2128,"hide":28,"icon":2129,"link":2131,"type":72,"label":2133,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"9ba916f8-6ed9-4789-a107-907007efc326",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2130},{},{"id":1328,"url":72,"linktype":175,"fieldtype":82,"cached_url":1329,"story":2132},{"name":1331,"id":1332,"uuid":1328,"slug":1333,"url":1329,"full_slug":1329,"_stopResolving":41},"Business Travel",{"tag":72,"_uid":2135,"hide":28,"icon":2136,"link":2138,"type":72,"label":2145,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"f94a4adb-4c2b-459f-a640-f0c0279ea721",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2137},{},{"id":2139,"url":72,"linktype":175,"fieldtype":82,"cached_url":2140,"story":2141},"8191ed3b-30f0-4e58-b83d-9bc4c524b120","use-cases/office-expenses",{"name":2142,"id":2143,"uuid":2139,"slug":2144,"url":2140,"full_slug":2140,"_stopResolving":41},"Easily manage office expenses | Spendesk",128717906,"office-expenses","Office Expenses",{"tag":72,"_uid":2147,"hide":28,"icon":2148,"link":2150,"type":72,"label":2152,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"518b355a-04dc-4755-ae49-4242b463744d",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2149},{},{"id":1370,"url":72,"linktype":175,"fieldtype":82,"cached_url":1371,"story":2151},{"name":1373,"id":1374,"uuid":1370,"slug":1375,"url":1371,"full_slug":1371,"_stopResolving":41},"Digital Advertising",{"tag":72,"_uid":2154,"hide":28,"icon":2155,"link":2157,"type":72,"label":2163,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"dc00429b-285a-4699-ba81-97bbaf890a70",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2156},{},{"id":2158,"url":72,"linktype":175,"fieldtype":82,"cached_url":2159,"story":2160},"1c9f0a4a-55a7-46a3-aa93-4bd1ac73c52a","expense-management-software",{"name":2161,"id":2162,"uuid":2158,"slug":2159,"url":2159,"full_slug":2159,"_stopResolving":41},"Expense management software",130935631,"Expense Management",{"tag":72,"_uid":2165,"hide":28,"icon":2166,"link":2168,"type":72,"label":2174,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"469f4c3f-514e-4233-9145-28711379d5ce",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2167},{},{"id":2169,"url":72,"linktype":175,"fieldtype":82,"cached_url":2170,"story":2171},"73ff0017-620a-491e-88a2-e14a86be013a","business-expense-cards",{"name":2172,"id":2173,"uuid":2169,"slug":2170,"url":2170,"full_slug":2170,"_stopResolving":41},"Business expense cards ",127581560,"Business Cards",{"tag":72,"_uid":2176,"hide":28,"icon":2177,"link":2179,"type":72,"label":2185,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"4cde6a66-266d-48bc-b86f-406e5bc0ec2a",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2178},{},{"id":2180,"url":72,"linktype":175,"fieldtype":82,"cached_url":2181,"story":2182},"01ed1057-9896-498c-926e-60bc926469a8","accounts-payable-software",{"name":2183,"id":2184,"uuid":2180,"slug":2181,"url":2181,"full_slug":2181,"_stopResolving":41},"Accounts payable software",128157999,"Accounts Payable",{"_uid":2187,"ctas":2188,"label":1487,"component":1378,"labelColor":72,"backgroundIconColor":72},"f5cbd7bc-f736-4698-a51e-febd689e8aba",[2189,2195,2202,2209,2216,2228,2235,2241,2247],{"tag":72,"_uid":2190,"hide":28,"icon":2191,"link":2193,"type":72,"label":1680,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"bdc33375-72d8-4afc-b7d3-fc2fb82dc0af",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2192},{},{"id":1675,"url":72,"linktype":175,"fieldtype":82,"cached_url":1676,"story":2194},{"name":1487,"id":1678,"uuid":1675,"slug":1676,"url":1679,"full_slug":1679,"_stopResolving":41},{"tag":72,"_uid":2196,"hide":28,"icon":2197,"link":2199,"type":72,"label":2201,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"7e976f79-3fe6-4f3c-81db-baabd41b8546",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2198},{},{"id":1499,"url":72,"linktype":175,"fieldtype":82,"cached_url":1500,"story":2200},{"name":1502,"id":1503,"uuid":1499,"slug":1504,"url":1500,"full_slug":1500,"_stopResolving":41},"Procure-to-Pay",{"tag":72,"_uid":2203,"hide":28,"icon":2204,"link":2206,"type":72,"label":2208,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"7e85bd5b-350e-424b-89f7-86a41638fc46",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2205},{},{"id":1561,"url":72,"linktype":175,"fieldtype":82,"cached_url":1562,"story":2207},{"name":1564,"id":1565,"uuid":1561,"slug":1566,"url":1562,"full_slug":1562,"_stopResolving":41},"Multi-Entity Management",{"tag":72,"_uid":2210,"hide":28,"icon":2211,"link":2213,"type":72,"label":2215,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"8e12ff56-aeb4-4c77-a7a0-fb740301c3f6",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2212},{},{"id":1527,"url":72,"linktype":175,"fieldtype":82,"cached_url":1528,"story":2214},{"name":1530,"id":1531,"uuid":1527,"slug":1532,"url":1533,"full_slug":1533,"_stopResolving":41},"Corporate Cards",{"tag":72,"_uid":2217,"hide":28,"icon":2218,"link":2220,"type":72,"label":2227,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"2fc815b6-120c-475a-9ad5-3365b07f3046",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2219},{},{"id":2221,"url":72,"linktype":175,"fieldtype":82,"cached_url":2222,"story":2223},"69439fab-65c8-476b-b817-bcd2c0b66df4","platform/virtual-cards",{"name":2224,"id":2225,"uuid":2221,"slug":2226,"url":2222,"full_slug":2222,"_stopResolving":41},"Virtual cards",126627408,"virtual-cards","Virtual Cards",{"tag":72,"_uid":2229,"hide":28,"icon":2230,"link":2232,"type":72,"label":2234,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"31cd840e-93a6-4549-a575-70e49458dd04",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2231},{},{"id":1620,"url":72,"linktype":175,"fieldtype":82,"cached_url":1621,"story":2233},{"name":1623,"id":1624,"uuid":1620,"slug":1625,"url":1621,"full_slug":1621,"_stopResolving":41},"API & Integrations",{"tag":72,"_uid":2236,"hide":28,"icon":2237,"link":2239,"type":72,"label":1736,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"6ceacb70-4395-4d46-a104-52bcbb12549a",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2238},{},{"id":1733,"url":72,"linktype":175,"fieldtype":82,"cached_url":1734,"story":2240},{"name":1736,"id":1737,"uuid":1733,"slug":1734,"url":1734,"full_slug":1734,"_stopResolving":41},{"tag":72,"_uid":2242,"hide":28,"icon":2243,"link":2245,"type":72,"label":1651,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"aaf8481c-eaf9-49d6-bbf8-294414629527",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2244},{},{"id":1648,"url":72,"linktype":175,"fieldtype":82,"cached_url":1649,"story":2246},{"name":1651,"id":1652,"uuid":1648,"slug":1649,"url":1649,"full_slug":1649,"_stopResolving":41},{"tag":72,"_uid":2248,"hide":28,"icon":2249,"link":2251,"type":72,"label":2253,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"9ac83939-1d0e-4acd-a388-b7e84d5fe919",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2250},{},{"id":72,"url":2252,"linktype":81,"fieldtype":82,"cached_url":2252},"https://trust.spendesk.com/","Trust Center",{"_uid":2255,"ctas":2256,"label":1751,"component":1378,"backgroundIconColor":72},"a5692a00-27ae-4696-a7e1-1634fdadec5f",[2257,2263,2268,2274,2280,2286,2292,2299,2305,2311],{"tag":72,"_uid":2258,"hide":28,"icon":2259,"link":2261,"type":72,"label":1748,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"51465f21-aec8-4db0-8abf-a7642c30c371",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2260},{},{"id":1742,"url":72,"linktype":175,"fieldtype":82,"cached_url":1743,"story":2262},{"name":1745,"id":1746,"uuid":1742,"slug":1747,"url":1743,"full_slug":1743,"_stopResolving":41},{"tag":72,"_uid":2264,"icon":2265,"link":2266,"type":72,"label":1769,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28},"d8b26908-181b-4ad4-ac37-10378e37c224",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":77},{"id":1763,"url":72,"linktype":175,"fieldtype":82,"cached_url":1764,"story":2267},{"name":1766,"id":1767,"uuid":1763,"slug":1768,"url":1764,"full_slug":1764,"_stopResolving":41},{"tag":72,"_uid":2269,"hide":28,"icon":2270,"link":2272,"type":72,"label":1780,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"ce775eab-1c6b-429e-b2ca-a231431b2f3e",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2271},{},{"id":1777,"url":72,"linktype":175,"fieldtype":82,"cached_url":1778,"story":2273},{"name":1780,"id":1781,"uuid":1777,"slug":1778,"url":1778,"full_slug":1778,"_stopResolving":41},{"tag":72,"_uid":2275,"hide":28,"icon":2276,"link":2278,"type":72,"label":1835,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"c39d3fa4-a923-42b8-9d7c-0b9b936c5bcc",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2277},{},{"id":1830,"url":72,"linktype":175,"fieldtype":82,"cached_url":1831,"story":2279},{"name":1833,"id":1834,"uuid":1830,"slug":1831,"url":1831,"full_slug":1831,"_stopResolving":41},{"tag":72,"_uid":2281,"hide":28,"icon":2282,"link":2284,"type":72,"label":1846,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"240f0a34-aa81-43d6-bda7-2d971d0d57b7",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2283},{},{"id":1843,"url":72,"linktype":175,"fieldtype":82,"cached_url":1844,"story":2285},{"name":1846,"id":1847,"uuid":1843,"slug":1848,"url":1844,"full_slug":1844,"_stopResolving":41},{"tag":72,"_uid":2287,"icon":2288,"link":2290,"type":72,"label":1873,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28},"bdd90120-f369-405f-8e86-565a0cb8bebc",{"id":1509,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1510,"copyright":72,"fieldtype":77,"meta_data":2289,"is_external_url":28},{},{"id":1868,"url":72,"linktype":175,"fieldtype":82,"cached_url":1869,"story":2291},{"name":1871,"id":1872,"uuid":1868,"slug":1871,"url":1869,"full_slug":1869,"_stopResolving":41},{"tag":72,"_uid":2293,"hide":28,"icon":2294,"link":2296,"type":72,"label":2298,"style":83,"component":84,"onClickEvent":72,"openInANewTab":41,"horizontalFill":28},"1e38a088-1716-44d2-91c9-b42a77573314",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2295},{},{"id":72,"url":2297,"linktype":81,"fieldtype":82,"cached_url":2297},"https://www.cfoconnect.eu/","CFO Connect",{"tag":72,"_uid":2300,"hide":28,"icon":2301,"link":2303,"type":72,"label":1794,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"bc6ea1e5-e214-4c5b-891b-97f3a463ab96",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2302},{},{"id":1789,"url":72,"linktype":175,"fieldtype":82,"cached_url":1790,"story":2304},{"name":1792,"id":1793,"uuid":1789,"slug":1790,"url":1790,"full_slug":1790,"_stopResolving":41},{"tag":72,"_uid":2306,"hide":28,"icon":2307,"link":2309,"type":72,"label":1805,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"a4cbb496-40d2-47fe-a675-0be9c945ac68",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2308},{},{"id":1802,"url":72,"linktype":175,"fieldtype":82,"cached_url":1803,"story":2310},{"name":1805,"id":1806,"uuid":1802,"slug":1807,"url":1803,"full_slug":1803,"_stopResolving":41},{"tag":72,"_uid":2312,"hide":28,"icon":2313,"link":2315,"type":72,"label":2015,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"729e5d8c-44e2-4878-abfd-74b1064926c4",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2314},{},{"id":72,"url":2316,"linktype":81,"fieldtype":82,"cached_url":2316},"https://helpcenter.spendesk.com/en/",{"_uid":2318,"ctas":2319,"label":1909,"component":1378,"backgroundIconColor":72},"a55f4bc1-606b-46eb-a94d-b098cfcbf0c3",[2320,2326,2332,2336,2342],{"tag":72,"_uid":2321,"hide":28,"icon":2322,"link":2324,"type":72,"label":1924,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"2258dba0-720f-4a72-8616-3ee8ad748d39",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2323},{},{"id":1919,"url":72,"linktype":175,"fieldtype":82,"cached_url":1920,"story":2325},{"name":1922,"id":1923,"uuid":1919,"slug":1920,"url":1920,"full_slug":1920,"_stopResolving":41},{"tag":72,"_uid":2327,"hide":28,"icon":2328,"link":2330,"type":72,"label":1962,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"7f0c013f-0597-4295-8eb2-947bce9f3038",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2329},{},{"id":1959,"url":72,"linktype":175,"fieldtype":82,"cached_url":1960,"story":2331},{"name":1962,"id":1963,"uuid":1959,"slug":1964,"url":1960,"full_slug":1960,"_stopResolving":41},{"tag":72,"_uid":2333,"icon":2334,"link":2335,"type":72,"label":1933,"style":83,"component":84,"onClickEvent":72,"openInANewTab":41},"55725d79-a09b-441b-9950-02d332513ec3",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":72,"copyright":25,"fieldtype":77},{"id":72,"url":1932,"linktype":81,"fieldtype":82,"cached_url":1932},{"tag":72,"_uid":2337,"icon":2338,"link":2339,"type":72,"label":1947,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28},"be048aa8-7d04-41a6-bee0-8d53fcb6149f",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":72,"copyright":25,"fieldtype":77},{"id":1941,"url":72,"linktype":175,"fieldtype":82,"cached_url":2340,"story":2341},"press/press-v2",{"name":1944,"id":1945,"uuid":1941,"slug":1946,"url":1942,"full_slug":1942,"_stopResolving":41},{"tag":72,"_uid":2343,"hide":28,"icon":2344,"link":2346,"type":72,"label":2348,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"b3c4b61d-001b-4c3f-99f0-f787b5837ee9",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2345},{},{"id":1972,"url":72,"linktype":175,"fieldtype":82,"cached_url":1973,"story":2347},{"name":1975,"id":1976,"uuid":1972,"slug":1973,"url":1973,"full_slug":1973,"_stopResolving":41},"Contact Us","footer",[2351,2359,2367],{"tag":72,"_uid":2352,"hide":28,"icon":2353,"link":2357,"type":72,"label":72,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"c5c6a930-9701-453c-b97e-1cdb84e26bb7",{"id":2354,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":2355,"copyright":72,"fieldtype":77,"meta_data":2356,"is_external_url":28},15634686,"https://a.storyblok.com/f/146026/69x22/4d9cde3045/visa.svg",{},{"id":72,"url":2358,"linktype":81,"fieldtype":82,"cached_url":2358},"https://helpcenter.spendesk.com/en/articles/8850615-before-after-what-s-changed-regarding-spendesk-your-visa-business-premium-cards",{"tag":72,"_uid":2360,"hide":28,"icon":2361,"link":2365,"type":72,"label":72,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"225df49b-7d21-46c3-986a-89b609d15540",{"id":2362,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":2363,"copyright":72,"fieldtype":77,"meta_data":2364,"is_private":28,"is_external_url":28},15734029,"https://a.storyblok.com/f/146026/133x44/679ed6e80d/app_store.svg",{},{"id":72,"url":2366,"linktype":81,"fieldtype":82,"cached_url":2366},"https://apps.apple.com/gb/app/spendesk/id1189271166",{"tag":72,"_uid":2368,"hide":28,"icon":2369,"link":2373,"type":72,"label":72,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"304ab845-c02d-4797-ac5d-b731333ea7dd",{"id":2370,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":2371,"copyright":72,"fieldtype":77,"meta_data":2372,"is_private":28,"is_external_url":28},15734027,"https://a.storyblok.com/f/146026/133x40/c2b47a4e83/g_play.svg",{},{"id":72,"url":2374,"linktype":81,"fieldtype":82,"cached_url":2374},"https://play.google.com/store/apps/details?id=com.spendesk.spendesk",[2376,2382,2394,2404,2414,2420],{"tag":72,"_uid":2377,"icon":2378,"link":2379,"type":72,"label":2381,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28},"18c52dc1-2550-498e-947d-ad963cf65b82",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":72,"copyright":25,"fieldtype":77},{"id":2022,"url":72,"linktype":175,"fieldtype":82,"cached_url":2023,"story":2380},{"name":2025,"id":2026,"uuid":2022,"slug":2023,"url":2023,"full_slug":2023,"_stopResolving":41},"© Spendesk",{"tag":72,"_uid":2383,"icon":2384,"link":2385,"type":72,"label":2393,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"e04f239b-a66b-4a6e-a5aa-98e51dc8ed87",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":72,"copyright":25,"fieldtype":77},{"id":2386,"url":72,"linktype":175,"fieldtype":82,"cached_url":2387,"story":2388},"9ab6c86b-54a0-4c11-815c-fabbc1170f1a","legals/terms",{"name":2389,"id":2390,"uuid":2386,"slug":2391,"url":2392,"full_slug":2392,"_stopResolving":41},"T&C index page",126275944,"terms","legals/terms/","Terms of Service",{"tag":72,"_uid":2395,"icon":2396,"link":2397,"type":72,"label":2401,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"8ce65fa2-298d-48d3-813f-ad303b474ba9",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":72,"copyright":25,"fieldtype":77},{"id":2398,"url":72,"linktype":175,"fieldtype":82,"cached_url":2399,"story":2400},"79cf9763-fbf7-44fc-b713-7375d45cc602","legals/privacy",{"name":2401,"id":2402,"uuid":2398,"slug":2403,"url":2399,"full_slug":2399,"_stopResolving":41},"Privacy Policy",126276104,"privacy",{"tag":72,"_uid":2405,"icon":2406,"link":2407,"type":72,"label":2411,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"4102590b-cbea-46dc-a189-9d8f7a6b918d",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":72,"copyright":25,"fieldtype":77},{"id":2408,"url":72,"linktype":175,"fieldtype":82,"cached_url":2409,"story":2410},"48c66e1a-a010-45ab-824d-e2fe67bdc73b","legals/cookies-policy",{"name":2411,"id":2412,"uuid":2408,"slug":2413,"url":2409,"full_slug":2409,"_stopResolving":41},"Cookies Policy",156606099,"cookies-policy",{"tag":72,"_uid":2415,"icon":2416,"link":2417,"type":72,"label":2419,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"a04b6ac0-49a7-4255-8df7-25607c934f2b",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":72,"copyright":25,"fieldtype":77},{"id":72,"url":2418,"linktype":81,"fieldtype":82,"cached_url":2418},"https://helpcenter.spendesk.com/en/articles/4168878-our-legal-notice","Legal Notice",{"tag":72,"_uid":2421,"hide":28,"icon":2422,"link":2423,"type":72,"label":2425,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":28,"horizontalFill":28},"13ba1af3-98e6-4327-9fd1-0d23d1d77f28",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":72,"copyright":25,"fieldtype":77},{"id":72,"url":2424,"linktype":81,"fieldtype":82,"cached_url":2424},"openConsentManager.action","Cookie Settings",[2427,2435,2443,2451,2459],{"tag":72,"_uid":2428,"icon":2429,"link":2433,"type":72,"label":72,"style":83,"component":84,"onClickEvent":72,"openInANewTab":41},"b8ae0710-0ec7-4295-a29f-077356785735",{"id":2430,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":2431,"copyright":72,"fieldtype":77,"meta_data":2432,"is_external_url":28},16281248,"https://a.storyblok.com/f/146026/12x12/2d962efd0e/icon-facebook-carbon_no-bg.svg",{},{"id":72,"url":2434,"linktype":81,"fieldtype":82,"cached_url":2434},"https://www.facebook.com/spendesk/",{"tag":72,"_uid":2436,"icon":2437,"link":2441,"type":72,"label":72,"style":83,"component":84,"onClickEvent":72,"openInANewTab":41},"ba7893c6-6da5-49f9-860d-c9a859f7d1c7",{"id":2438,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":2439,"copyright":72,"fieldtype":77,"meta_data":2440,"is_private":28,"is_external_url":28},16281245,"https://a.storyblok.com/f/146026/12x12/3d1e2f35e1/icon-instagram-carbon_no-bg.svg",{},{"id":72,"url":2442,"linktype":81,"fieldtype":82,"cached_url":2442},"https://www.instagram.com/spendesk",{"tag":72,"_uid":2444,"icon":2445,"link":2449,"type":72,"label":72,"style":83,"component":84,"onClickEvent":72,"openInANewTab":41},"acea7ba4-1c98-4646-8648-cc6c8283efb6",{"id":2446,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":2447,"copyright":72,"fieldtype":77,"meta_data":2448,"is_private":28,"is_external_url":28},16281247,"https://a.storyblok.com/f/146026/12x12/864442ea5c/icon-linkedin-carbon_no-bg.svg",{},{"id":72,"url":2450,"linktype":81,"fieldtype":82,"cached_url":2450},"https://www.linkedin.com/company/spendesk/",{"tag":72,"_uid":2452,"icon":2453,"link":2457,"type":72,"label":72,"style":83,"component":84,"onClickEvent":72,"openInANewTab":41},"c9f2572b-c12f-49af-bef8-18e30f455bec",{"id":2454,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":2455,"copyright":72,"fieldtype":77,"meta_data":2456,"is_private":28,"is_external_url":28},16281249,"https://a.storyblok.com/f/146026/12x12/2b24154a63/icon-x-carbon_no-bg.svg",{},{"id":72,"url":2458,"linktype":81,"fieldtype":82,"cached_url":2458},"https://x.com/Spendesk",{"tag":72,"_uid":2460,"hide":28,"icon":2461,"link":2465,"type":72,"label":72,"style":83,"component":84,"mobileLabel":72,"onClickEvent":72,"openInANewTab":41,"horizontalFill":28},"17d82410-d4b0-45ca-b555-6942ae3c15a2",{"id":2462,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":2463,"copyright":72,"fieldtype":77,"meta_data":2464,"is_private":28,"is_external_url":28},16281246,"https://a.storyblok.com/f/146026/12x12/169fccc4c0/icon-youtube-carbon_no-bg.svg",{},{"id":72,"url":2466,"linktype":81,"fieldtype":82,"cached_url":2466},"https://www.youtube.com/c/spendesk",[2468],{"_uid":2469,"fields":2470,"component":2500,"submitUrl":2501,"hubspotFormId":2502,"successMessage":2503,"horizontalAlign":72,"onSubmitSegmentEvent":2504},"b2ae7250-4af9-4eb3-be82-7d6f594a0049",[2471],{"_uid":2472,"name":2473,"type":102,"label":2474,"required":41,"component":2475,"submitBtn":2476,"legalNotice":2477,"placeholder":72,"validateEmail":41,"blockPersonalEmailAddresses":28},"96a2a670-a75c-4d4e-bd95-a8907909d223","email","Your email address","textField","Subscribe",{"type":93,"content":2478},[2479],{"type":96,"content":2480},[2481,2483,2491,2493,2499],{"text":2482,"type":102},"By submitting this form, you agree to be contacted by Spendesk - in accordance with Spendesk's ",{"text":2484,"type":102,"marks":2485},"Terms of Use",[2486],{"type":170,"attrs":2487},{"href":2488,"uuid":2386,"anchor":25,"custom":2489,"target":596,"linktype":175,"story":2490},"/legals/terms","[object Object]",{"name":2389,"id":2390,"uuid":2386,"slug":2391,"url":2392,"full_slug":2392,"_stopResolving":41},{"text":2492,"type":102}," and ",{"text":2401,"type":102,"marks":2494},[2495],{"type":170,"attrs":2496},{"href":2497,"uuid":2398,"anchor":25,"custom":2489,"target":596,"linktype":175,"story":2498},"/legals/privacy",{"name":2401,"id":2402,"uuid":2398,"slug":2403,"url":2399,"full_slug":2399,"_stopResolving":41},{"text":738,"type":102},"formGroup",{"id":72,"url":72,"linktype":175,"fieldtype":82,"cached_url":72},"8b1b128b-c02a-41d9-a512-63e778c062c6","Success","website:footer:blog_newsletter:form_completed","Never miss an update",{"type":93,"content":2507},[2508],{"type":96,"content":2509},[2510],{"text":2511,"type":102},"Empower your team with the complete spend management solution","Subscribe to receive the freshest subscription resources from Spendesk.",{"type":93,"content":2514},[2515,2519,2523],{"type":96,"content":2516},[2517],{"text":2518,"type":102},"Payments services are provided as part of the Spendesk product by Spendesk Financial Services in the EEA, by Adyen in the UK and by Sutton Bank in the US.",{"type":96,"content":2520},[2521],{"text":2522,"type":102},"Spendesk Financial Services is a French payment institution licensed by the ACPR under number 17518. Adyen N.V. is a Dutch bank, whose UK branch is licensed by the FCA to provide payment services under number 779800. Sutton Bank is an FDIC insured member institution.",{"type":96,"content":2524},[2525],{"text":2526,"type":102},"Visa debit cards are issued by Spendesk Financial Services in the EEA, by Adyen in the UK and by Sutton Bank in the US, pursuant to a license from Visa.","global-components/footer",[],"8637d535-2095-4870-baed-1138fa7e786e","2022-03-24T16:23:19.302Z",[],[2533,2534,2535],{"path":2527,"name":25,"lang":36,"published":25},{"path":2527,"name":25,"lang":38,"published":25},{"path":2527,"name":25,"lang":40,"published":25},{"name":2537,"created_at":2538,"published_at":2539,"updated_at":2540,"id":2541,"uuid":2542,"content":2543,"slug":2678,"full_slug":2679,"sort_by_date":25,"position":2680,"tag_list":2681,"is_startpage":28,"parent_id":2079,"meta_data":25,"group_id":2682,"first_published_at":2683,"release_id":25,"lang":32,"path":25,"alternates":2684,"default_full_slug":2679,"translated_slugs":2685},"Common Content","2022-06-07T08:36:57.529Z","2026-02-27T11:13:24.481Z","2026-02-27T11:13:24.503Z",146453805,"fdf08e93-c532-4aac-bc09-a68c69394432",{"_uid":2544,"modalBtn":2545,"component":2546,"modalTitle":2547,"countdownDay":2548,"modalContent":2549,"modalSuccess":2561,"countdownHour":2562,"hubspotFormId":2563,"countdownLabel":2564,"formErrorTitle":2565,"countdownMinute":2566,"countdownSecond":2567,"formErrorButton":2568,"selectNoOptions":2569,"formErrorSubtitle":2570,"blogAuthorResources":2571,"modalEmailPlaceholder":2572,"emailValidationInvalid":2573,"imageItemsListNoResult":2574,"phoneValidationInvalid":2575,"blogLoadMoreButtonLabel":2576,"blogArticleUpdatedAtLabel":2577,"blogArticleWatchTimeLabel":2578,"modalExistingAccountTitle":2579,"modalExistingCompanyTitle":2580,"modalForExistingCustomers":2581,"organizationSchemaOffices":2588,"blogArticleListenTimeLabel":2578,"blogArticlePublishedOnLabel":2641,"blogArticleReadingTimeLabel":2578,"emailValidationInvalidExist":2642,"modalForUnsupportedCountries":2643,"emailValidationInvalidInvited":2649,"organizationSchemaDescription":2650,"organizationSchemaContactEmail":2651,"modalExistingAccountDescription":2652,"modalExistingCompanyDescription":2668,"emailValidationInvalidDomainName":2674,"multiSelectDropdownSelectedLabel":2675,"emailValidationInvalidUnexpectedError":2676,"emailValidationInvalidCompanyRegistered":2677},"c86a540c-0da7-40e9-a9a5-5053e71081de","Submit","commonContent","Spendesk is not available in your country yet","Days",{"type":93,"content":2550},[2551,2556],{"type":96,"attrs":2552,"content":2553},{"textAlign":25},[2554],{"text":2555,"type":102},"It looks like you’re in a country we don’t currently serve. However, if you have a business in the European Economic Area or the United Kingdom, we can work with you, and you can book a demo.",{"type":96,"attrs":2557,"content":2558},{"textAlign":25},[2559],{"text":2560,"type":102},"Otherwise, enter your email below, and we’ll let you know when we can help in your country.","Thanks for submitting the form","Hours","b095740c-b878-41dd-9a7b-f393d2e4de30","Events starts in","Oops, something went wrong…","Minutes","Seconds","Try again","No Options Here!","An error occurred while submitting the form. Make sure to disable your browser’s ad blockers, and try again.","{firstName}'s resources","Work email address","Invalid email address","No results","Invalid phone number","Load more","Updated on","min","You already have a Spendesk account","Your company already has a Spendesk account",{"type":93,"content":2582},[2583,2587],{"type":96,"content":2584},[2585],{"text":2586,"type":102},"It looks like your company already has a Spendesk account. Please request access from your finance team.",{"type":96},[2589,2605,2617,2629],{"cta":2590,"_uid":2597,"image":2598,"title":2602,"subtitle":2603,"component":2604},[2591],{"tag":72,"_uid":2592,"icon":2593,"link":2594,"type":72,"label":2596,"style":83,"component":84,"onClickEvent":72,"openInANewTab":41},"27667f76-0f06-4f10-9e17-a5fb46eb51eb",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":72,"copyright":25,"fieldtype":77},{"id":72,"url":2595,"linktype":81,"fieldtype":82,"cached_url":2595},"https://www.google.com/maps/place/Spendesk/@48.878282,2.3229527,17z/data=!3m1!4b1!4m5!3m4!1s0x47e66dde28328977:0xc584517ccc2c3038!8m2!3d48.8782785!4d2.3251414","Map","ae40634e-f543-4194-ad8b-b80fb446e253",{"id":2599,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":2600,"copyright":72,"fieldtype":77,"meta_data":2601,"is_external_url":28},16726400,"https://a.storyblok.com/f/146026/32x32/991bcc40dc/icon-location-32px-bright-purple-filled.svg",{},"Paris, FR","7 Rue de Madrid, 75008","officeLocationsItem",{"cta":2606,"_uid":2612,"image":2613,"title":2615,"subtitle":2616,"component":2604},[2607],{"tag":72,"_uid":2608,"icon":2609,"link":2610,"type":72,"label":2596,"style":83,"component":84,"onClickEvent":72,"openInANewTab":41},"b4c061b1-4c53-40fe-88e9-786150dc1f48",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":72,"copyright":25,"fieldtype":77},{"id":72,"url":2611,"linktype":81,"fieldtype":82,"cached_url":2611},"https://maps.app.goo.gl/9pFn7ohL5zdGnC3H6","41ed7761-debf-40b7-bd75-e2389bfb20dc",{"id":2599,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":2600,"copyright":72,"fieldtype":77,"meta_data":2614,"is_external_url":28},{},"London, GB","168 Old Street, EC1V 9BP",{"cta":2618,"_uid":2624,"image":2625,"title":2627,"subtitle":2628,"component":2604},[2619],{"tag":72,"_uid":2620,"icon":2621,"link":2622,"type":72,"label":2596,"style":83,"component":84,"onClickEvent":72,"openInANewTab":41},"38c45a5f-f897-4567-9b07-94da07c069c6",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":72,"copyright":25,"fieldtype":77},{"id":72,"url":2623,"linktype":81,"fieldtype":82,"cached_url":2623},"https://maps.app.goo.gl/1sRofgrfatSwRecbA","b69cb15c-bf2d-4d26-9514-1b4301fa22f0",{"id":2599,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":2600,"copyright":72,"fieldtype":77,"meta_data":2626,"is_external_url":28},{},"Berlin, DE","Warschauer Pl. 11-13, 10245",{"cta":2630,"_uid":2636,"image":2637,"title":2639,"subtitle":2640,"component":2604},[2631],{"tag":72,"_uid":2632,"icon":2633,"link":2634,"type":72,"label":2596,"style":83,"component":84,"onClickEvent":72,"openInANewTab":41},"e45749e6-59bb-4c57-a078-bd965da09b48",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":72,"copyright":25,"fieldtype":77},{"id":72,"url":2635,"linktype":81,"fieldtype":82,"cached_url":2635},"https://www.google.fr/maps/place/P.%C2%BA+de+la+Castellana,+194,+28046+Madrid,+Espagne/@40.461669,-3.6916388,17z/data=!3m1!4b1!4m6!3m5!1s0xd42291a4a992797:0x841e7e5325bcf405!8m2!3d40.461669!4d-3.6890639!16s%2Fg%2F11c1_kdlzk?entry=ttu","acb64cc8-ddee-4be7-814c-25ce7afba6e5",{"id":2599,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":2600,"copyright":72,"fieldtype":77,"meta_data":2638,"is_external_url":28},{},"Barcelona, ES","Carrer de Rera Palau, 11, Planta 5, Ciutat Vella, 08003","Published on","Sorry, it looks like you already have a Spendesk account.",{"type":93,"content":2644},[2645],{"type":96,"content":2646},[2647],{"text":2648,"type":102},"It looks like you're in a country we don't currently serve. Enter your email below and we'll let you know when we can help.","It looks like you have already been invited to Spendesk. Please check your emails or ask your admin to resend the invitation.","Spendesk is an all-in-one spend management and procurement platform that helps businesses manage corporate cards, invoice payments, subscriptions and company spend in real time.","support@spendesk.com",{"type":93,"content":2653},[2654,2658,2667],{"type":96,"content":2655},[2656],{"text":2657,"type":102},"There is already a Spendesk account associated with this email address. Click the link below to log in.",{"type":254,"attrs":2659},{"id":2660,"body":2661},"2f29aeb2-e646-4f49-90e1-6deabd2d7c33",[2662],{"tag":72,"_uid":2663,"icon":72,"link":2664,"type":2666,"label":1978,"style":83,"component":84,"onClickEvent":72,"openInANewTab":28,"horizontalFill":41},"i-54f06f4e-0b0e-4959-a534-078d044f5515",{"id":72,"url":2665,"linktype":81,"cached_url":2665},"https://app.spendesk.com/auth/login","btn",{"type":96},{"type":93,"content":2669},[2670,2673],{"type":96,"content":2671},[2672],{"text":2586,"type":102},{"type":96},"This looks like your personal email. Please enter your professional email address.","selected","Sorry, an unexpected error happened. Please retry later or contact support for help.","This company is already registered. Please contact your admin.","commoncontent","global-components/commoncontent",-30,[],"426c6c03-a0cf-4332-9288-22e88c385143","2022-06-07T09:23:48.804Z",[],[2686,2687,2688],{"path":2679,"name":25,"lang":36,"published":25},{"path":2679,"name":25,"lang":38,"published":25},{"path":2679,"name":25,"lang":40,"published":25},[2690,2694,2698,2702,2706,2710,2714,2718],{"id":2691,"name":2692,"value":2693,"dimension_value":25},10736153,"Amplitude (Actions)","Sk9kb5VoOi-7",{"id":2695,"name":2696,"value":2697,"dimension_value":25},10736154,"Google Analytics 4 Web","HkocEodjb7",{"id":2699,"name":2700,"value":2701,"dimension_value":25},10736155,"Intercom","ryDQcVoOoZQ",{"id":2703,"name":2704,"value":2705,"dimension_value":25},10736156,"HubSpot","ry0QcNodoWQ",{"id":2707,"name":2708,"value":2709,"dimension_value":25},10736157,"Facebook Pixel","ko1w5PpFl",{"id":2711,"name":2712,"value":2713,"dimension_value":25},10736159,"Facebook Conversions API (Actions)","hMRPcifE3",{"id":2715,"name":2716,"value":2717,"dimension_value":25},10736765,"Bing Ads","dsS7z9Hv4",{"id":2719,"name":2720,"value":2721,"dimension_value":25},10736882,"LinkedIn Insight Tag","JQ2XQxIk",{"_uid":2723,"component":2724,"sidebarCta":2725,"exitModalPopup":2765,"newsletterForm":2766,"newsletterTitle":2791,"bottomArticleCta":2792,"moreArticlesLabel":2821,"breadcrumbBlogLink":2822,"newsletterSubtitle":2824,"breadcrumbBlogLabel":1769,"breadcrumbArticleLabel":1249,"hiddenNewsletterOnTopics":2825,"componentsAfterTheArticle":2828,"moreArticlesLabelFallback":2983,"sidebarTableOfContentsLabel":2984},"55aaa7a8-90eb-4bfc-82d2-fac89f2d77fb","blogArticleGlobal",[2726],{"cta":2727,"_uid":2735,"image":2736,"title":2740,"subtitle":2763,"component":2764},[2728],{"tag":72,"_uid":2729,"hide":28,"icon":2730,"link":2732,"type":72,"label":2038,"style":83,"component":84,"mobileLabel":72,"onClickEvent":2734,"openInANewTab":28,"horizontalFill":28},"1044c89e-408a-4543-acbd-f3b05e79fc22",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2731},{},{"id":2032,"url":72,"linktype":175,"fieldtype":82,"cached_url":2033,"story":2733},{"name":2035,"id":2036,"uuid":2032,"slug":2037,"url":2033,"full_slug":2033,"_stopResolving":41},"website:blog_sidebar_button:clicked","f7a8e7d9-9cbe-43aa-8797-3cff6be1ffc2",{"id":2737,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":2738,"copyright":72,"fieldtype":77,"meta_data":2739,"is_external_url":28},141863894965290,"https://a.storyblok.com/f/146026/2471x1843/baa22902e7/image-spendesk-product-1-cropped.png",{},{"type":93,"content":2741},[2742],{"type":96,"attrs":2743,"content":2744},{"textAlign":25,"key":98},[2745,2754,2756],{"text":2746,"type":102,"marks":2747},"Spend smarter. ",[2748,2750],{"type":163,"attrs":2749},{"color":72},{"type":2751,"attrs":2752},"styled",{"class":2753},"text-item-heading text-item-heading-md",{"type":2755},"hard_break",{"text":2757,"type":102,"marks":2758},"Work better.",[2759,2761],{"type":163,"attrs":2760},{"color":72},{"type":2751,"attrs":2762},{"class":2753},"Bring cards, invoices and expenses into one controlled flow, so you get real-time visibility and a faster close.","ctaBlock",[],[2767],{"_uid":2768,"fields":2769,"component":2500,"submitUrl":2789,"hubspotFormId":2502,"successMessage":2503,"horizontalAlign":72,"onSubmitSegmentEvent":2790},"631b3bd4-d4d7-468c-a4b2-8dbe164362b8",[2770],{"_uid":2771,"name":2473,"type":102,"label":2474,"required":41,"component":2475,"submitBtn":2476,"legalNotice":2772,"placeholder":72,"validateEmail":41,"blockPersonalEmailAddresses":28},"cc924123-e126-4829-a72a-43fcf863a045",{"type":93,"content":2773},[2774],{"type":96,"content":2775},[2776,2777,2782,2783,2788],{"text":2482,"type":102},{"text":2484,"type":102,"marks":2778},[2779],{"type":170,"attrs":2780},{"href":2488,"uuid":2386,"anchor":25,"custom":2489,"target":596,"linktype":175,"story":2781},{"name":2389,"id":2390,"uuid":2386,"slug":2391,"url":2392,"full_slug":2392,"_stopResolving":41},{"text":2492,"type":102},{"text":2401,"type":102,"marks":2784},[2785],{"type":170,"attrs":2786},{"href":2497,"uuid":2398,"anchor":25,"custom":2489,"target":596,"linktype":175,"story":2787},{"name":2401,"id":2402,"uuid":2398,"slug":2403,"url":2399,"full_slug":2399,"_stopResolving":41},{"text":738,"type":102},{"id":72,"url":72,"linktype":175,"fieldtype":82,"cached_url":72},"website:article:blog_newsletter:form_completed","Enjoying what you're reading?",[2793],{"cta":2794,"_uid":2807,"image":2808,"title":2810,"subtitle":2820,"component":2764},[2795],{"tag":72,"_uid":2796,"hide":28,"icon":2797,"link":2799,"type":72,"label":2805,"style":83,"component":84,"mobileLabel":72,"onClickEvent":2806,"openInANewTab":28,"horizontalFill":28},"9cd3ad49-6a07-48f7-9aa3-34022fabf2d5",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"source":25,"filename":72,"copyright":25,"fieldtype":77,"meta_data":2798},{},{"id":2800,"url":72,"linktype":175,"fieldtype":82,"cached_url":2801,"story":2802},"0e21aea9-1207-42a1-93a5-48a5a547b5d4","platform-tour",{"name":2803,"id":2804,"uuid":2800,"slug":2801,"url":2801,"full_slug":2801,"_stopResolving":41},"Platform tour",413550505,"Get a free tour","website:blog_bottom_cta_block:clicked","ebce360c-a91d-46ab-8653-18bd86bb08be",{"id":25,"alt":25,"name":72,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":77,"meta_data":2809,"is_external_url":28},{},{"type":93,"content":2811},[2812],{"type":96,"attrs":2813,"content":2814},{"textAlign":25,"key":98},[2815],{"text":2816,"type":102,"marks":2817},"Curious how Spendesk works?",[2818],{"type":2751,"attrs":2819},{"class":2753},"Try an interactive demo to see spend control and approvals end-to-end.","More reads on",{"id":1763,"url":72,"linktype":175,"fieldtype":82,"cached_url":1764,"story":2823},{"name":1766,"id":1767,"uuid":1763,"slug":1768,"url":1764,"full_slug":1764,"_stopResolving":41},"We publish new articles like this every week. Subscribe to our newsletter to stay informed.",[2826,2827],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2829],{"cta":2830,"_uid":2831,"items":2832,"heading":2960,"reverse":28,"component":2981,"sectionSettings":2982},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2833,2903],{"_uid":2834,"title":2835,"component":2836,"description":2837},"dfc0accd-ab64-464a-8597-b76754748f04","What is spend management?","faqItem",{"type":93,"content":2838},[2839,2843],{"type":96,"content":2840},[2841],{"text":2842,"type":102},"Business spending includes different types of spend:",{"type":2844,"attrs":2845,"content":2848},"ordered_list",{"order":2846},{"order":2847},1,[2849,2860,2871],{"type":662,"content":2850},[2851],{"type":96,"content":2852},[2853,2857,2859],{"text":2854,"type":102,"marks":2855},"Strategic",[2856],{"type":206},{"text":2858,"type":102}," spend is usually centralized and managed by C-level executives with dedicated spenders. It can be managed through invoices, wire transfers and purchase orders.",{"type":2755},{"type":662,"content":2861},[2862],{"type":96,"content":2863},[2864,2868,2870],{"text":2865,"type":102,"marks":2866},"Discretionary and operational spend",[2867],{"type":206},{"text":2869,"type":102}," is also centralized, but spending is done by managers and employees during their daily professional lives. It includes card purchases, subscription payments, digital ads, events, office orders, and business travel.",{"type":2755},{"type":662,"content":2872},[2873],{"type":96,"content":2874},[2875,2879,2881,2882,2883,2885,2889,2891,2892,2893,2895,2896,2897,2899,2900,2901],{"text":2876,"type":102,"marks":2877},"Expenses",[2878],{"type":206},{"text":2880,"type":102},", unlike strategic spend, represent a significant amount of small purchases that can be difficult to track. These include card payments, expense claims, team perks, and travel expenses.",{"type":2755},{"type":2755},{"text":2884,"type":102},"Spend management is ",{"text":2886,"type":102,"marks":2887},"the process through which companies manage business spending",[2888],{"type":206},{"text":2890,"type":102},". It takes into account the end-to-end process when someone needs to spend: getting purchase approvals, providing payment methods, submitting and processing invoices, submitting and reimbursing expense claims, chasing receipts and invoices for reconciliation, and assigning the right analytical codes, expense accounts, and VAT rates to all those expenses for bookkeeping.",{"type":2755},{"type":2755},{"text":2894,"type":102},"Spend management tools become necessary when the number of employees increases and the need for clear processes, better visibility and control starts to grow for finance teams.",{"type":2755},{"type":2755},{"text":2898,"type":102},"Employees need flexible, user-friendly tools, in order to spend easily and be empowered to do their job.",{"type":2755},{"type":2755},{"text":2902,"type":102},"That’s when Spendesk can be a good fit.",{"_uid":2904,"title":2905,"component":2836,"description":2906},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","How does Spendesk work?",{"type":93,"content":2907},[2908],{"type":96,"content":2909},[2910,2912,2913,2914,2918,2919,2921,2922,2923,2925,2926,2927,2931,2932,2934,2935,2936,2938,2939,2940,2942,2946,2948,2949,2950,2952,2953,2954,2956,2957,2958],{"text":2911,"type":102},"Spendesk provides payment methods for modern businesses, and a powerful platform for finance teams to manage spending. This includes debit cards to replace old-fashioned company credit cards, virtual cards for online purchases, and automated expense reports for unexpected payments.",{"type":2755},{"type":2755},{"text":2915,"type":102,"marks":2916},"For employees",[2917],{"type":206},{"type":2755},{"text":2920,"type":102},"Employees no longer need to spend out-of-pocket. They request funds for a particular purchase, and can use their Spendesk card or virtual card to execute the payment.",{"type":2755},{"type":2755},{"text":2924,"type":102},"If for any reason the employee can’t use their Spendesk card, they snap a picture of the receipt via the Spendesk mobile app and create an expense claim on the spot. This is sent directly to their manager for validation, and on to the finance team.",{"type":2755},{"type":2755},{"text":2928,"type":102,"marks":2929},"For finance teams",[2930],{"type":206},{"type":2755},{"text":2933,"type":102},"Each employee has their own Spendesk profile and debit expense card. So unlike the company credit card, you always know who’s spending company money.",{"type":2755},{"type":2755},{"text":2937,"type":102},"The platform lets controllers create spending limits and pre-approvals. C-Level executives or managers will have a different level of pre-approved spend from other staff. Should a team member need to go over their pre-approved budget, they can make a request to their manager via the mobile app or the platform online.",{"type":2755},{"type":2755},{"text":2941,"type":102},"When an expense is made with a Spendesk card, ",{"text":2943,"type":102,"marks":2944},"the employee simply snaps a picture of the receipt",[2945],{"type":206},{"text":2947,"type":102}," at the time of purchase. Which means no more lost receipts.",{"type":2755},{"type":2755},{"text":2951,"type":102},"Finance teams can see real-time company spend and follow up on missing receipts or invoices by sending reminders to employees via the platform.",{"type":2755},{"type":2755},{"text":2955,"type":102},"Reviewing expenses is also easier as finance teams can group expenses and assign them the right VAT rates and expense accounts before exporting everything easily to their accounting tools.",{"type":2755},{"type":2755},{"text":2959,"type":102},"Spendesk streamlines the whole business spending process, making spend management intuitive, simple and efficient.",[2961],{"cta":2962,"_uid":2963,"title":2964,"eyebrow":2971,"subtitle":2974,"component":244,"textAlign":72,"sectionSettings":2980,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":72},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":93,"content":2965},[2966],{"type":244,"attrs":2967,"content":2968},{"level":246},[2969],{"text":2970,"type":102},"Get started with Spendesk",{"type":93,"content":2972},[2973],{"type":96},{"type":93,"content":2975},[2976],{"type":96,"content":2977},[2978],{"text":2979,"type":102},"Close the books 4x faster, collect over 95% of receipts on time, and get 100% visibility over company spending.",[],"faqSection",[],"More reads","Table of Contents",[2986,3029,3099,3158,3228,3280,3332,3390,3511,3625,3745,3871,3928,4048,4101],{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":2987,"slug":1287,"full_slug":1288,"sort_by_date":25,"position":1289,"tag_list":3023,"is_startpage":28,"parent_id":1291,"meta_data":25,"group_id":1292,"first_published_at":6,"release_id":25,"lang":32,"path":25,"alternates":3024,"default_full_slug":1288,"translated_slugs":3025},{"_uid":11,"title":4,"topics":2988,"noIndex":28,"category":3005,"language":3014,"component":1261,"heroMedia":3015,"publishedAt":1282,"redirectUrl":72,"listingImage":3020,"metaDescription":1284,"bottomArticleCta":3021,"componentsAfterTheArticle":3022},[2989,2997],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":2990,"slug":123,"full_slug":124,"sort_by_date":25,"position":125,"tag_list":2991,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":128,"first_published_at":129,"release_id":25,"lang":32,"path":25,"alternates":2992,"default_full_slug":124,"translated_slugs":2993,"_stopResolving":41},{"_uid":122,"name":116,"component":22},[],[],[2994,2995,2996],{"path":124,"name":25,"lang":36,"published":25},{"path":124,"name":25,"lang":38,"published":25},{"path":124,"name":25,"lang":40,"published":25},{"name":136,"created_at":137,"published_at":16,"updated_at":138,"id":139,"uuid":140,"content":2998,"slug":143,"full_slug":144,"sort_by_date":25,"position":145,"tag_list":2999,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":147,"first_published_at":148,"release_id":25,"lang":32,"path":25,"alternates":3000,"default_full_slug":144,"translated_slugs":3001,"_stopResolving":41},{"_uid":142,"name":136,"component":22},[],[],[3002,3003,3004],{"path":144,"name":25,"lang":36,"published":25},{"path":144,"name":25,"lang":38,"published":25},{"path":144,"name":25,"lang":40,"published":25},{"name":1249,"created_at":1250,"published_at":16,"updated_at":1251,"id":1252,"uuid":1253,"content":3006,"slug":1261,"full_slug":1262,"sort_by_date":25,"position":26,"tag_list":3008,"is_startpage":28,"parent_id":1264,"meta_data":25,"group_id":1265,"first_published_at":1266,"release_id":25,"lang":32,"path":25,"alternates":3009,"default_full_slug":1262,"translated_slugs":3010,"_stopResolving":41},{"_uid":1255,"icon":3007,"name":1249,"component":1260},{"id":1257,"alt":1258,"name":72,"focus":72,"title":72,"filename":1259,"copyright":72,"fieldtype":77,"is_external_url":28},[],[],[3011,3012,3013],{"path":1262,"name":25,"lang":36,"published":25},{"path":1262,"name":25,"lang":38,"published":25},{"path":1262,"name":25,"lang":40,"published":25},[32],[3016],{"_uid":1275,"type":72,"asset":3017,"caption":72,"overlay":3019,"component":265},{"id":1277,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1278,"copyright":72,"fieldtype":77,"meta_data":3018,"is_external_url":28},{},[],[],[],[],[],[],[3026,3027,3028],{"path":1288,"name":25,"lang":36,"published":25},{"path":1288,"name":25,"lang":38,"published":25},{"path":1288,"name":25,"lang":40,"published":25},{"name":3030,"created_at":3031,"published_at":3032,"updated_at":3033,"id":3034,"uuid":3035,"content":3036,"slug":3089,"full_slug":3090,"sort_by_date":25,"position":3091,"tag_list":3092,"is_startpage":28,"parent_id":1291,"meta_data":25,"group_id":3093,"first_published_at":3032,"release_id":25,"lang":32,"path":25,"alternates":3094,"default_full_slug":3090,"translated_slugs":3095},"ERP implementation: Phases, timelines, and pitfalls UK finance teams need to plan for","2026-04-22T07:19:05.648Z","2026-04-23T10:36:35.498Z","2026-04-23T10:36:35.520Z",168561646230079,"5ef46a51-beb7-4951-be06-349324feaf38",{"_uid":3037,"title":3030,"topics":3038,"noIndex":28,"category":3066,"language":3075,"component":1261,"heroMedia":3076,"publishedAt":3084,"redirectUrl":72,"listingImage":3085,"metaDescription":3086,"bottomArticleCta":3087,"componentsAfterTheArticle":3088},"5d854c2f-7563-4aa9-ac68-f9110bdcd21d",[3039,3058],{"name":3040,"created_at":3041,"published_at":16,"updated_at":3042,"id":3043,"uuid":3044,"content":3045,"slug":3047,"full_slug":3048,"sort_by_date":25,"position":3049,"tag_list":3050,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":3051,"first_published_at":3052,"release_id":25,"lang":32,"path":25,"alternates":3053,"default_full_slug":3048,"translated_slugs":3054,"_stopResolving":41},"Finance tools & tech","2022-10-23T14:54:45.602Z","2026-03-12T10:47:24.227Z",208013309,"1ea23fbc-cf76-421e-a8c6-73b89787bb95",{"_uid":3046,"name":3040,"component":22,"hubspotId":72},"3f4c451e-8e90-42af-8ab4-49c7a12230b6","finance-tools-tech","blog/topic/finance-tools-tech",-550,[],"fb813b9f-0756-465f-92a3-1598217d5c5c","2022-11-02T15:24:38.734Z",[],[3055,3056,3057],{"path":3048,"name":25,"lang":36,"published":25},{"path":3048,"name":25,"lang":38,"published":25},{"path":3048,"name":25,"lang":40,"published":25},{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3059,"slug":123,"full_slug":124,"sort_by_date":25,"position":125,"tag_list":3060,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":128,"first_published_at":129,"release_id":25,"lang":32,"path":25,"alternates":3061,"default_full_slug":124,"translated_slugs":3062,"_stopResolving":41},{"_uid":122,"name":116,"component":22},[],[],[3063,3064,3065],{"path":124,"name":25,"lang":36,"published":25},{"path":124,"name":25,"lang":38,"published":25},{"path":124,"name":25,"lang":40,"published":25},{"name":1249,"created_at":1250,"published_at":16,"updated_at":1251,"id":1252,"uuid":1253,"content":3067,"slug":1261,"full_slug":1262,"sort_by_date":25,"position":26,"tag_list":3069,"is_startpage":28,"parent_id":1264,"meta_data":25,"group_id":1265,"first_published_at":1266,"release_id":25,"lang":32,"path":25,"alternates":3070,"default_full_slug":1262,"translated_slugs":3071,"_stopResolving":41},{"_uid":1255,"icon":3068,"name":1249,"component":1260},{"id":1257,"alt":1258,"name":72,"focus":72,"title":72,"filename":1259,"copyright":72,"fieldtype":77,"is_external_url":28},[],[],[3072,3073,3074],{"path":1262,"name":25,"lang":36,"published":25},{"path":1262,"name":25,"lang":38,"published":25},{"path":1262,"name":25,"lang":40,"published":25},[32],[3077],{"_uid":3078,"type":72,"asset":3079,"caption":72,"overlay":3083,"component":265},"c9f9cc25-8893-423e-b089-dfbb86580fa6",{"id":3080,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3081,"copyright":72,"fieldtype":77,"meta_data":3082,"is_external_url":28},168580497833836,"https://a.storyblok.com/f/146026/1376x768/6efb2f6452/erp-implementation.png",{},[],"2026-04-22 07:19",[],"Seven phases of ERP implementation, realistic timelines, UK regulatory deadlines, and how to protect your month-end close.",[],[],"erp-implementation","blog/erp-implementation",-1330,[],"02d4f989-3cc7-4c7d-a534-952acee6e567",[],[3096,3097,3098],{"path":3090,"name":25,"lang":36,"published":25},{"path":3090,"name":25,"lang":38,"published":25},{"path":3090,"name":25,"lang":40,"published":25},{"name":3100,"created_at":3101,"published_at":3102,"updated_at":3103,"id":3104,"uuid":3105,"content":3106,"slug":3148,"full_slug":3149,"sort_by_date":25,"position":3150,"tag_list":3151,"is_startpage":28,"parent_id":1291,"meta_data":25,"group_id":3152,"first_published_at":3102,"release_id":25,"lang":32,"path":25,"alternates":3153,"default_full_slug":3149,"translated_slugs":3154},"Expense categorisation: How to standardise categories and reduce rework","2026-04-22T07:18:48.220Z","2026-04-23T10:09:06.446Z","2026-04-23T10:29:38.089Z",168561574861373,"2a68ed48-90aa-4e2e-bece-fad1f721fedf",{"_uid":3107,"title":3100,"topics":3108,"noIndex":28,"category":3125,"language":3134,"component":1261,"heroMedia":3135,"publishedAt":3143,"redirectUrl":72,"listingImage":3144,"metaDescription":3145,"bottomArticleCta":3146,"componentsAfterTheArticle":3147},"957d1205-938d-4de4-8aa8-8599d543bbbc",[3109,3117],{"name":136,"created_at":137,"published_at":16,"updated_at":138,"id":139,"uuid":140,"content":3110,"slug":143,"full_slug":144,"sort_by_date":25,"position":145,"tag_list":3111,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":147,"first_published_at":148,"release_id":25,"lang":32,"path":25,"alternates":3112,"default_full_slug":144,"translated_slugs":3113,"_stopResolving":41},{"_uid":142,"name":136,"component":22},[],[],[3114,3115,3116],{"path":144,"name":25,"lang":36,"published":25},{"path":144,"name":25,"lang":38,"published":25},{"path":144,"name":25,"lang":40,"published":25},{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3118,"slug":123,"full_slug":124,"sort_by_date":25,"position":125,"tag_list":3119,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":128,"first_published_at":129,"release_id":25,"lang":32,"path":25,"alternates":3120,"default_full_slug":124,"translated_slugs":3121,"_stopResolving":41},{"_uid":122,"name":116,"component":22},[],[],[3122,3123,3124],{"path":124,"name":25,"lang":36,"published":25},{"path":124,"name":25,"lang":38,"published":25},{"path":124,"name":25,"lang":40,"published":25},{"name":1249,"created_at":1250,"published_at":16,"updated_at":1251,"id":1252,"uuid":1253,"content":3126,"slug":1261,"full_slug":1262,"sort_by_date":25,"position":26,"tag_list":3128,"is_startpage":28,"parent_id":1264,"meta_data":25,"group_id":1265,"first_published_at":1266,"release_id":25,"lang":32,"path":25,"alternates":3129,"default_full_slug":1262,"translated_slugs":3130,"_stopResolving":41},{"_uid":1255,"icon":3127,"name":1249,"component":1260},{"id":1257,"alt":1258,"name":72,"focus":72,"title":72,"filename":1259,"copyright":72,"fieldtype":77,"is_external_url":28},[],[],[3131,3132,3133],{"path":1262,"name":25,"lang":36,"published":25},{"path":1262,"name":25,"lang":38,"published":25},{"path":1262,"name":25,"lang":40,"published":25},[32],[3136],{"_uid":3137,"type":72,"asset":3138,"caption":72,"overlay":3142,"component":265},"64cfdabf-ec17-4a6e-bea2-4ab3edd15af1",{"id":3139,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3140,"copyright":72,"fieldtype":77,"meta_data":3141,"is_external_url":28},168579769286404,"https://a.storyblok.com/f/146026/1376x768/344bc06cba/expense-categorisation.png",{},[],"2026-04-22 07:18",[],"How to standardise expense categories for FRS 102, HMRC rules, and VAT recovery to reduce month-end rework across your UK finance team.",[],[],"expense-categorisation","blog/expense-categorisation",-1320,[],"d7097a5e-ae7c-4c55-ac66-4979644c6223",[],[3155,3156,3157],{"path":3149,"name":25,"lang":36,"published":25},{"path":3149,"name":25,"lang":38,"published":25},{"path":3149,"name":25,"lang":40,"published":25},{"name":3159,"created_at":3160,"published_at":3161,"updated_at":3162,"id":3163,"uuid":3164,"content":3165,"slug":3218,"full_slug":3219,"sort_by_date":25,"position":3220,"tag_list":3221,"is_startpage":28,"parent_id":1291,"meta_data":25,"group_id":3222,"first_published_at":3161,"release_id":25,"lang":32,"path":25,"alternates":3223,"default_full_slug":3219,"translated_slugs":3224},"Currency hedging: What it is and when it makes sense","2026-04-10T18:59:30.724Z","2026-04-16T07:55:41.988Z","2026-04-16T07:55:42.010Z",164487048155360,"37f282a7-d42a-4455-a410-a98aafb11ead",{"_uid":3166,"title":3159,"topics":3167,"noIndex":28,"category":3195,"language":3204,"component":1261,"heroMedia":3205,"publishedAt":3213,"redirectUrl":72,"listingImage":3214,"metaDescription":3215,"bottomArticleCta":3216,"componentsAfterTheArticle":3217},"8a61002a-da94-4d61-b3b1-a171ee5b650d",[3168,3176],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3169,"slug":123,"full_slug":124,"sort_by_date":25,"position":125,"tag_list":3170,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":128,"first_published_at":129,"release_id":25,"lang":32,"path":25,"alternates":3171,"default_full_slug":124,"translated_slugs":3172,"_stopResolving":41},{"_uid":122,"name":116,"component":22},[],[],[3173,3174,3175],{"path":124,"name":25,"lang":36,"published":25},{"path":124,"name":25,"lang":38,"published":25},{"path":124,"name":25,"lang":40,"published":25},{"name":3177,"created_at":3178,"published_at":16,"updated_at":3179,"id":3180,"uuid":3181,"content":3182,"slug":3184,"full_slug":3185,"sort_by_date":25,"position":3186,"tag_list":3187,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":3188,"first_published_at":3189,"release_id":25,"lang":32,"path":25,"alternates":3190,"default_full_slug":3185,"translated_slugs":3191,"_stopResolving":41},"Fintech","2022-10-19T17:57:50.533Z","2026-03-12T10:47:22.809Z",206171404,"94ef2b79-ef39-4ddb-ba77-abaff9b051ed",{"_uid":3183,"name":3177,"component":22},"16e6840d-5cff-46db-b4ee-e63ad7b07a55","fintech","blog/topic/fintech",-80,[],"a49fb63a-e971-415c-bf8b-ef68db8b0ae4","2022-11-02T15:24:54.822Z",[],[3192,3193,3194],{"path":3185,"name":25,"lang":36,"published":25},{"path":3185,"name":25,"lang":38,"published":25},{"path":3185,"name":25,"lang":40,"published":25},{"name":1249,"created_at":1250,"published_at":16,"updated_at":1251,"id":1252,"uuid":1253,"content":3196,"slug":1261,"full_slug":1262,"sort_by_date":25,"position":26,"tag_list":3198,"is_startpage":28,"parent_id":1264,"meta_data":25,"group_id":1265,"first_published_at":1266,"release_id":25,"lang":32,"path":25,"alternates":3199,"default_full_slug":1262,"translated_slugs":3200,"_stopResolving":41},{"_uid":1255,"icon":3197,"name":1249,"component":1260},{"id":1257,"alt":1258,"name":72,"focus":72,"title":72,"filename":1259,"copyright":72,"fieldtype":77,"is_external_url":28},[],[],[3201,3202,3203],{"path":1262,"name":25,"lang":36,"published":25},{"path":1262,"name":25,"lang":38,"published":25},{"path":1262,"name":25,"lang":40,"published":25},[32],[3206],{"_uid":3207,"type":72,"asset":3208,"caption":72,"overlay":3212,"component":265},"143971f4-935f-4b43-867f-2b2bc18a5d44",{"id":3209,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3210,"copyright":72,"fieldtype":77,"meta_data":3211,"is_external_url":28},164487197151134,"https://a.storyblok.com/f/146026/1536x1024/670f6493cd/1773976736358-7crxx7-1.png",{},[],"2026-04-10 18:59",[],"How forward contracts, options, and natural hedges protect UK mid-market businesses from FX risk, and when to formalise a hedging strategy.",[],[],"currency-hedging","blog/currency-hedging",-1190,[],"63855588-35e2-4d00-8653-91dd35584acc",[],[3225,3226,3227],{"path":3219,"name":25,"lang":36,"published":25},{"path":3219,"name":25,"lang":38,"published":25},{"path":3219,"name":25,"lang":40,"published":25},{"name":3229,"created_at":3230,"published_at":3231,"updated_at":3232,"id":3233,"uuid":3234,"content":3235,"slug":3270,"full_slug":3271,"sort_by_date":25,"position":3272,"tag_list":3273,"is_startpage":28,"parent_id":1291,"meta_data":25,"group_id":3274,"first_published_at":3231,"release_id":25,"lang":32,"path":25,"alternates":3275,"default_full_slug":3271,"translated_slugs":3276},"Financial due diligence (FDD): what to review and key red flags","2026-03-24T03:51:50.553Z","2026-03-27T16:03:54.158Z","2026-03-27T16:03:54.183Z",158247774462214,"4bd1200d-7515-47a9-b0a1-dda8836c40f9",{"_uid":3236,"title":3237,"topics":3238,"noIndex":28,"category":3247,"language":3256,"component":1261,"heroMedia":3257,"publishedAt":3265,"redirectUrl":72,"listingImage":3266,"metaDescription":3267,"bottomArticleCta":3268,"componentsAfterTheArticle":3269},"bd26f405-28ad-4dea-82ae-ce79da9bd8c7","Financial due diligence (FDD): What to review and key red flags",[3239],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3240,"slug":123,"full_slug":124,"sort_by_date":25,"position":125,"tag_list":3241,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":128,"first_published_at":129,"release_id":25,"lang":32,"path":25,"alternates":3242,"default_full_slug":124,"translated_slugs":3243,"_stopResolving":41},{"_uid":122,"name":116,"component":22},[],[],[3244,3245,3246],{"path":124,"name":25,"lang":36,"published":25},{"path":124,"name":25,"lang":38,"published":25},{"path":124,"name":25,"lang":40,"published":25},{"name":1249,"created_at":1250,"published_at":16,"updated_at":1251,"id":1252,"uuid":1253,"content":3248,"slug":1261,"full_slug":1262,"sort_by_date":25,"position":26,"tag_list":3250,"is_startpage":28,"parent_id":1264,"meta_data":25,"group_id":1265,"first_published_at":1266,"release_id":25,"lang":32,"path":25,"alternates":3251,"default_full_slug":1262,"translated_slugs":3252,"_stopResolving":41},{"_uid":1255,"icon":3249,"name":1249,"component":1260},{"id":1257,"alt":1258,"name":72,"focus":72,"title":72,"filename":1259,"copyright":72,"fieldtype":77,"is_external_url":28},[],[],[3253,3254,3255],{"path":1262,"name":25,"lang":36,"published":25},{"path":1262,"name":25,"lang":38,"published":25},{"path":1262,"name":25,"lang":40,"published":25},[32],[3258],{"_uid":3259,"type":72,"asset":3260,"caption":72,"overlay":3264,"component":265},"3ecc259a-9816-49a7-866a-aa480add35b4",{"id":3261,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3262,"copyright":72,"fieldtype":77,"meta_data":3263,"is_external_url":28},158248270548124,"https://a.storyblok.com/f/146026/1536x1024/168b93ea18/financial-due-diligence.png",{},[],"2026-03-23 00:00",[],"What acquirers scrutinise in FDD, the red flags that kill deals, and how mid-market finance teams build sell-side readiness before a transaction.",[],[],"financial-due-diligence","blog/financial-due-diligence",-1060,[],"3191a5c3-a09f-41e0-96b6-f5eedd31bb3c",[],[3277,3278,3279],{"path":3271,"name":25,"lang":36,"published":25},{"path":3271,"name":25,"lang":38,"published":25},{"path":3271,"name":25,"lang":40,"published":25},{"name":3281,"created_at":3282,"published_at":3283,"updated_at":3284,"id":3285,"uuid":3286,"content":3287,"slug":3322,"full_slug":3323,"sort_by_date":25,"position":3324,"tag_list":3325,"is_startpage":28,"parent_id":1291,"meta_data":25,"group_id":3326,"first_published_at":3283,"release_id":25,"lang":32,"path":25,"alternates":3327,"default_full_slug":3323,"translated_slugs":3328},"What is a cash flow forecast?","2026-03-16T15:52:34.501Z","2026-03-26T21:30:48.021Z","2026-03-26T21:30:48.043Z",155593746481338,"f183e902-930e-4fc6-83e1-8b7d533d45b0",{"_uid":3288,"title":3289,"topics":3290,"noIndex":28,"category":3299,"language":3308,"component":1261,"heroMedia":3309,"publishedAt":3317,"redirectUrl":72,"listingImage":3318,"metaDescription":3319,"bottomArticleCta":3320,"componentsAfterTheArticle":3321},"7e71bc1e-cf3e-4eaf-85a0-cc5678ebc35f","What is a cash flow forecast? An 8-step guide for finance teams",[3291],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3292,"slug":123,"full_slug":124,"sort_by_date":25,"position":125,"tag_list":3293,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":128,"first_published_at":129,"release_id":25,"lang":32,"path":25,"alternates":3294,"default_full_slug":124,"translated_slugs":3295,"_stopResolving":41},{"_uid":122,"name":116,"component":22},[],[],[3296,3297,3298],{"path":124,"name":25,"lang":36,"published":25},{"path":124,"name":25,"lang":38,"published":25},{"path":124,"name":25,"lang":40,"published":25},{"name":1249,"created_at":1250,"published_at":16,"updated_at":1251,"id":1252,"uuid":1253,"content":3300,"slug":1261,"full_slug":1262,"sort_by_date":25,"position":26,"tag_list":3302,"is_startpage":28,"parent_id":1264,"meta_data":25,"group_id":1265,"first_published_at":1266,"release_id":25,"lang":32,"path":25,"alternates":3303,"default_full_slug":1262,"translated_slugs":3304,"_stopResolving":41},{"_uid":1255,"icon":3301,"name":1249,"component":1260},{"id":1257,"alt":1258,"name":72,"focus":72,"title":72,"filename":1259,"copyright":72,"fieldtype":77,"is_external_url":28},[],[],[3305,3306,3307],{"path":1262,"name":25,"lang":36,"published":25},{"path":1262,"name":25,"lang":38,"published":25},{"path":1262,"name":25,"lang":40,"published":25},[32],[3310],{"_uid":3311,"type":72,"asset":3312,"caption":72,"overlay":3316,"component":265},"b61c5580-0be0-4cea-b3d4-613eb2e6e134",{"id":3313,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3314,"copyright":72,"fieldtype":77,"meta_data":3315,"is_external_url":28},155596791774468,"https://a.storyblok.com/f/146026/1536x1024/443d33657b/cash-flow-forecast.png",{"alt":72,"title":72,"source":72,"copyright":72},[],"2026-03-16 00:00",[],"Most cash flow forecasts sit unused in spreadsheets. Learn how to build a rolling 13-week forecast that actually supports better financial decisions.",[],[],"cash-flow-forecast","blog/cash-flow-forecast",-1030,[],"33729f6e-23f6-4da1-a142-57e902fef173",[],[3329,3330,3331],{"path":3323,"name":25,"lang":36,"published":25},{"path":3323,"name":25,"lang":38,"published":25},{"path":3323,"name":25,"lang":40,"published":25},{"name":3333,"created_at":3334,"published_at":16,"updated_at":3335,"id":3336,"uuid":3337,"content":3338,"slug":3379,"full_slug":3380,"sort_by_date":25,"position":3381,"tag_list":3382,"is_startpage":28,"parent_id":1291,"meta_data":25,"group_id":3383,"first_published_at":3384,"release_id":25,"lang":32,"path":25,"alternates":3385,"default_full_slug":3380,"translated_slugs":3386},"B2B payments: what are your options?","2024-09-06T13:39:32.009Z","2026-03-12T10:48:03.373Z",545220390,"bdfe0697-bd82-4d03-9911-2bb1de80e604",{"_uid":3339,"title":3340,"topics":3341,"category":3350,"language":3359,"component":1261,"heroMedia":3362,"publishedAt":3370,"readingTime":3371,"redirectUrl":72,"listingImage":3372,"metaDescription":3378},"6a2e23d9-1ecc-4e76-92db-3047937c6919","B2B payments: What are your options?",[3342],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3343,"slug":123,"full_slug":124,"sort_by_date":25,"position":125,"tag_list":3344,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":128,"first_published_at":129,"release_id":25,"lang":32,"path":25,"alternates":3345,"default_full_slug":124,"translated_slugs":3346,"_stopResolving":41},{"_uid":122,"name":116,"component":22},[],[],[3347,3348,3349],{"path":124,"name":25,"lang":36,"published":25},{"path":124,"name":25,"lang":38,"published":25},{"path":124,"name":25,"lang":40,"published":25},{"name":1249,"created_at":1250,"published_at":16,"updated_at":1251,"id":1252,"uuid":1253,"content":3351,"slug":1261,"full_slug":1262,"sort_by_date":25,"position":26,"tag_list":3353,"is_startpage":28,"parent_id":1264,"meta_data":25,"group_id":1265,"first_published_at":1266,"release_id":25,"lang":32,"path":25,"alternates":3354,"default_full_slug":1262,"translated_slugs":3355,"_stopResolving":41},{"_uid":1255,"icon":3352,"name":1249,"component":1260},{"id":1257,"alt":1258,"name":72,"focus":72,"title":72,"filename":1259,"copyright":72,"fieldtype":77,"is_external_url":28},[],[],[3356,3357,3358],{"path":1262,"name":25,"lang":36,"published":25},{"path":1262,"name":25,"lang":38,"published":25},{"path":1262,"name":25,"lang":40,"published":25},[32,3360,3361],"en-us","en-eu",[3363],{"_uid":3364,"type":72,"asset":3365,"caption":72,"overlay":3369,"component":265},"b071191d-b2df-4ad1-9915-51d002a84705",{"id":3366,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3367,"copyright":72,"fieldtype":77,"meta_data":3368,"is_external_url":28},17255357,"https://a.storyblok.com/f/146026/2380x1340/1d4b353b7d/blog-visual_217-b2b-payments.png",{},[],"2024-09-06 00:00","4",[3373],{"_uid":3374,"type":72,"asset":3375,"caption":72,"overlay":3377,"component":265},"408956e2-0e86-44fa-b3ca-51e8bd421701",{"id":3366,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3367,"copyright":72,"fieldtype":77,"meta_data":3376,"is_external_url":28},{},[],"There are several ways companies can manage their B2B payments. This articles covers the different options available and how a smart spend management solution can help.","b2b-payments","blog/b2b-payments",-430,[],"d7b66ebb-39ec-4b54-be38-d6554052c2e3","2024-09-06T13:46:41.698Z",[],[3387,3388,3389],{"path":3380,"name":25,"lang":36,"published":25},{"path":3380,"name":25,"lang":38,"published":25},{"path":3380,"name":25,"lang":40,"published":25},{"name":3391,"created_at":3392,"published_at":16,"updated_at":3393,"id":3394,"uuid":3395,"content":3396,"slug":3500,"full_slug":3501,"sort_by_date":25,"position":3502,"tag_list":3503,"is_startpage":28,"parent_id":1291,"meta_data":25,"group_id":3504,"first_published_at":3505,"release_id":25,"lang":32,"path":25,"alternates":3506,"default_full_slug":3501,"translated_slugs":3507},"How to streamline HR and Finance processes","2024-08-09T16:54:33.054Z","2026-03-12T10:48:03.291Z",534233346,"c93132cf-d404-4e71-859b-bcbeab15ced1",{"_uid":3397,"title":3391,"topics":3398,"category":3407,"language":3416,"component":1261,"heroMedia":3417,"publishedAt":3425,"readingTime":3426,"redirectUrl":72,"listingImage":3427,"metaDescription":3433,"componentsAfterTheArticle":3434},"199cd6e7-b581-4b61-b358-f84ab8788f28",[3399],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3400,"slug":123,"full_slug":124,"sort_by_date":25,"position":125,"tag_list":3401,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":128,"first_published_at":129,"release_id":25,"lang":32,"path":25,"alternates":3402,"default_full_slug":124,"translated_slugs":3403,"_stopResolving":41},{"_uid":122,"name":116,"component":22},[],[],[3404,3405,3406],{"path":124,"name":25,"lang":36,"published":25},{"path":124,"name":25,"lang":38,"published":25},{"path":124,"name":25,"lang":40,"published":25},{"name":1249,"created_at":1250,"published_at":16,"updated_at":1251,"id":1252,"uuid":1253,"content":3408,"slug":1261,"full_slug":1262,"sort_by_date":25,"position":26,"tag_list":3410,"is_startpage":28,"parent_id":1264,"meta_data":25,"group_id":1265,"first_published_at":1266,"release_id":25,"lang":32,"path":25,"alternates":3411,"default_full_slug":1262,"translated_slugs":3412,"_stopResolving":41},{"_uid":1255,"icon":3409,"name":1249,"component":1260},{"id":1257,"alt":1258,"name":72,"focus":72,"title":72,"filename":1259,"copyright":72,"fieldtype":77,"is_external_url":28},[],[],[3413,3414,3415],{"path":1262,"name":25,"lang":36,"published":25},{"path":1262,"name":25,"lang":38,"published":25},{"path":1262,"name":25,"lang":40,"published":25},[32,3360,3361],[3418],{"_uid":3419,"type":72,"asset":3420,"caption":72,"overlay":3424,"component":265},"78938511-f1d5-491d-b242-d6e8c7ee8fd6",{"id":3421,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3422,"copyright":72,"fieldtype":77,"meta_data":3423,"is_private":28,"is_external_url":28},16948369,"https://a.storyblok.com/f/146026/2380x1340/13f756ab36/blog-visual_245.png",{},[],"2024-08-09 00:00","3",[3428],{"_uid":3429,"type":72,"asset":3430,"caption":72,"overlay":3432,"component":265},"ee5167ed-8951-43d1-af52-676a13cc3ee6",{"id":3421,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3422,"copyright":72,"fieldtype":77,"meta_data":3431,"is_private":28,"is_external_url":28},{},[],"Despite seemingly different objectives, HR and Finance teams actually have a lot in common. Fostering a close collaborating relationship between the two departments will help streamline processes, and the entire company will benefit.",[3435],{"_uid":3436,"items":3437,"heading":3474,"reverse":28,"component":2981,"sectionSettings":3492},"1d5b0340-1a93-4df5-9178-6f202b3e7407",[3438,3447,3456,3465],{"_uid":3439,"title":3440,"component":2836,"description":3441},"0987a852-142e-4b8a-8f19-2e35282423d4","How can I use Spendesk to streamline HR and finance approvals?",{"type":93,"content":3442},[3443],{"type":96,"content":3444},[3445],{"text":3446,"type":102},"Spendesk automates HR and finance approvals through configurable approval workflows and role-based permissions, replacing email chains and manual sign-offs. Spendesk virtual cards and pre-approved budgets enforce policy at the point of purchase, while automated expense reports and a centralized audit trail speed reconciliation and compliance. Integrations with HRIS and accounting systems keep employee records and finance ledgers synchronized.",{"_uid":3448,"title":3449,"component":2836,"description":3450},"2a4ab09b-89bf-4d05-9508-69cfd5da0ff5","Can Spendesk help with employee reimbursements for HR teams?",{"type":93,"content":3451},[3452],{"type":96,"content":3453},[3454],{"text":3455,"type":102},"Spendesk simplifies employee reimbursements by automating receipt capture, expense classification, and payroll-ready reimbursement exports. Spendesk mobile receipt capture and pre-filled expense reports reduce manual entry, while configurable approval flows and policy controls ensure compliant payouts. Direct bank reimbursement exports and integrations with payroll systems accelerate finance processing and reduce reconciliation time.",{"_uid":3457,"title":3458,"component":2836,"description":3459},"3c15a730-525a-442d-9aaf-ec6796738345","What features does Spendesk offer to align HR budgets with finance?",{"type":93,"content":3460},[3461],{"type":96,"content":3462},[3463],{"text":3464,"type":102},"Spendesk aligns HR budgets with finance through real-time budget controls and tracked spend categories that provide clarity on headcount-related expenses. Spendesk virtual cards and dedicated budgets enforce spending limits, while customizable approval rules and detailed reporting enable forecasting and variance analysis. Accounting and ERP integrations synchronize budget data across systems for centralized planning and accurate financial oversight.",{"_uid":3466,"title":3467,"component":2836,"description":3468},"2c5cc117-ce0c-4a24-bf17-2dbb11ccea1e","How does Spendesk integrate with HR and accounting systems to reduce manual work?",{"type":93,"content":3469},[3470],{"type":96,"content":3471},[3472],{"text":3473,"type":102},"Spendesk integrates with HR and accounting systems via native connectors and an open API that automate employee sync and transaction posting. Spendesk automatically maps expenses to general ledger codes, syncs employee data for pre-authorized spend, and exports approved transactions in accounting-ready formats. Automated invoice capture and reconciliation reduce manual bookkeeping and shorten month-end close cycles.",[3475],{"cta":3476,"_uid":3477,"title":3478,"eyebrow":3485,"subtitle":3488,"component":244,"textAlign":72,"sectionSettings":3491,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":72},[],"201b5eca-ab49-4583-8cad-090099b51ba5",{"type":93,"content":3479},[3480],{"type":244,"attrs":3481,"content":3482},{"level":246},[3483],{"text":3484,"type":102},"Streamline Hr And Finance Processes — FAQ",{"type":93,"content":3486},[3487],{"type":96},{"type":93,"content":3489},[3490],{"type":96},[],[3493],{"_uid":3494,"hide":28,"theme":3495,"anchorId":72,"component":3496,"spacingTop":72,"hideOnDevices":3497,"spacingBottom":72,"floatingImages":3498,"variableOverrides":3499},"10c306b8-fc8a-4951-a78d-9b972d630a39","light-theme","sectionSettings",[],[],[],"streamline-hr-and-finance-processes","blog/streamline-hr-and-finance-processes",-370,[],"208293ac-debd-491e-b5cf-67f0174c5b3b","2024-08-09T17:02:09.681Z",[],[3508,3509,3510],{"path":3501,"name":25,"lang":36,"published":25},{"path":3501,"name":25,"lang":38,"published":25},{"path":3501,"name":25,"lang":40,"published":25},{"name":3512,"created_at":3513,"published_at":16,"updated_at":3514,"id":3515,"uuid":3516,"content":3517,"slug":1566,"full_slug":3615,"sort_by_date":25,"position":3616,"tag_list":3617,"is_startpage":28,"parent_id":1291,"meta_data":25,"group_id":3618,"first_published_at":3619,"release_id":25,"lang":32,"path":25,"alternates":3620,"default_full_slug":3615,"translated_slugs":3621},"Multi-entity management: how and why to consolidate accounts when you have multiple entities","2024-06-18T16:13:36.882Z","2026-03-12T10:48:02.787Z",512248037,"af6a6cfc-8866-4823-ab8d-c231313bdcc1",{"_uid":3518,"title":3519,"topics":3520,"noIndex":28,"category":3529,"language":3538,"component":1261,"heroMedia":3539,"publishedAt":3547,"readingTime":3548,"redirectUrl":72,"listingImage":3549,"metaDescription":3550,"componentsAfterTheArticle":3551},"e1e971a3-48fa-4cb8-a7b0-f3a46397c4f8","Multi-entity management: Mastering financial consolidation",[3521],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3522,"slug":123,"full_slug":124,"sort_by_date":25,"position":125,"tag_list":3523,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":128,"first_published_at":129,"release_id":25,"lang":32,"path":25,"alternates":3524,"default_full_slug":124,"translated_slugs":3525,"_stopResolving":41},{"_uid":122,"name":116,"component":22},[],[],[3526,3527,3528],{"path":124,"name":25,"lang":36,"published":25},{"path":124,"name":25,"lang":38,"published":25},{"path":124,"name":25,"lang":40,"published":25},{"name":1249,"created_at":1250,"published_at":16,"updated_at":1251,"id":1252,"uuid":1253,"content":3530,"slug":1261,"full_slug":1262,"sort_by_date":25,"position":26,"tag_list":3532,"is_startpage":28,"parent_id":1264,"meta_data":25,"group_id":1265,"first_published_at":1266,"release_id":25,"lang":32,"path":25,"alternates":3533,"default_full_slug":1262,"translated_slugs":3534,"_stopResolving":41},{"_uid":1255,"icon":3531,"name":1249,"component":1260},{"id":1257,"alt":1258,"name":72,"focus":72,"title":72,"filename":1259,"copyright":72,"fieldtype":77,"is_external_url":28},[],[],[3535,3536,3537],{"path":1262,"name":25,"lang":36,"published":25},{"path":1262,"name":25,"lang":38,"published":25},{"path":1262,"name":25,"lang":40,"published":25},[32],[3540],{"_uid":3541,"type":72,"asset":3542,"shadow":28,"caption":72,"overlay":3546,"component":265},"6263375f-7dae-4941-82b2-824dc3cb6067",{"id":3543,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3544,"copyright":72,"fieldtype":77,"meta_data":3545,"is_external_url":28},99993476000612,"https://a.storyblok.com/f/146026/3060x2040/1bd9134066/multi-entity-management.png",{},[],"2024-06-18 00:00","8",[],"What is multi-entity management? Learn how to manage multiple entities and why consolidating your accounts can help your organisation perform better in the long run. ",[3552],{"_uid":3553,"items":3554,"heading":3591,"reverse":28,"component":2981,"sectionSettings":3609},"e959d571-4ee6-4b02-96a0-1f92b69b99d9",[3555,3564,3573,3582],{"_uid":3556,"title":3557,"component":2836,"description":3558},"f41a3a6e-3962-450c-8d78-16c55bd8f8d2","What is multi-entity management in finance?",{"type":93,"content":3559},[3560],{"type":96,"content":3561},[3562],{"text":3563,"type":102},"Spendesk centralizes multi-entity management by enabling finance teams to control spending, approvals, and reporting across multiple legal entities through entity-level cards, budgets, and permissions. Spendesk's centralized dashboards and automated reconciliation reduce manual consolidation, while integrations with accounting systems like NetSuite and Xero keep ledgers synchronized for accurate intercompany reporting.",{"_uid":3565,"title":3566,"component":2836,"description":3567},"20174cf2-9317-42d0-8c66-ca3f0e8c1986","How does Spendesk manage approvals across multiple entities?",{"type":93,"content":3568},[3569],{"type":96,"content":3570},[3571],{"text":3572,"type":102},"Spendesk enforces entity-specific approval workflows by allowing finance teams to configure approval chains, spend limits, and policy rules per legal entity. Spendesk's delegated approvers, virtual and physical cards, and real-time notifications ensure expenses are authorized at the correct entity level, reducing cross-entity errors and accelerating spend governance.",{"_uid":3574,"title":3575,"component":2836,"description":3576},"b291ff56-46ce-47cf-b230-eac27b2f3bf6","Can Spendesk consolidate spend reporting across entities?",{"type":93,"content":3577},[3578],{"type":96,"content":3579},[3580],{"text":3581,"type":102},"Spendesk consolidates spend reporting by aggregating transactions from all legal entities into centralized, customizable dashboards and exportable reports. Spendesk's automated reconciliation and accounting integrations map entity-specific charts of accounts, enabling finance teams to produce consolidated P&L and spend analyses without manual spreadsheet consolidation.",{"_uid":3583,"title":3584,"component":2836,"description":3585},"4a2f6406-72eb-4fd5-9dbc-ef85ff7f1be0","How does Spendesk handle intercompany charges and shared budgets?",{"type":93,"content":3586},[3587],{"type":96,"content":3588},[3589],{"text":3590,"type":102},"Spendesk streamlines intercompany charges and shared budgets by supporting entity-level budgets, cross-entity cards, and automated allocation workflows that tag transactions for intercompany posting. Spendesk's transaction-level notes and accounting exports simplify chargebacks and ensure accurate intercompany accounting alongside integrations with ERP systems.",[3592],{"cta":3593,"_uid":3594,"title":3595,"eyebrow":3602,"subtitle":3605,"component":244,"textAlign":72,"sectionSettings":3608,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":72},[],"34fc3451-dd7e-4619-8bd2-f329eecd2487",{"type":93,"content":3596},[3597],{"type":244,"attrs":3598,"content":3599},{"level":246},[3600],{"text":3601,"type":102},"Multi Entity Management — FAQ",{"type":93,"content":3603},[3604],{"type":96},{"type":93,"content":3606},[3607],{"type":96},[],[3610],{"_uid":3611,"hide":28,"theme":3495,"anchorId":72,"component":3496,"spacingTop":72,"hideOnDevices":3612,"spacingBottom":72,"floatingImages":3613,"variableOverrides":3614},"2533333e-3e83-4fdf-bbb4-165e0eab2d41",[],[],[],"blog/multi-entity-management",-300,[],"3a15dda7-b5da-4e2e-95f6-1af5fdff4c86","2024-06-18T16:22:31.848Z",[],[3622,3623,3624],{"path":3615,"name":25,"lang":36,"published":25},{"path":3615,"name":25,"lang":38,"published":25},{"path":3615,"name":25,"lang":40,"published":25},{"name":3626,"created_at":3627,"published_at":16,"updated_at":3628,"id":3629,"uuid":3630,"content":3631,"slug":3734,"full_slug":3735,"sort_by_date":25,"position":3736,"tag_list":3737,"is_startpage":28,"parent_id":1291,"meta_data":25,"group_id":3738,"first_published_at":3739,"release_id":25,"lang":32,"path":25,"alternates":3740,"default_full_slug":3735,"translated_slugs":3741},"Universal Social Charge (USC): a guide for employers","2024-04-04T14:50:41.305Z","2026-03-12T10:48:01.615Z",473097852,"89976ae3-fd9c-4e5e-9aed-180ab6858d82",{"_uid":3632,"title":3626,"topics":3633,"noIndex":28,"category":3642,"language":3651,"_editable":3652,"component":1261,"heroMedia":3653,"publishedAt":3662,"readingTime":3371,"redirectUrl":72,"listingImage":3663,"metaDescription":72,"componentsAfterTheArticle":3670},"5c83bb1b-b649-479b-909c-d6ae32e9917f",[3634],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3635,"slug":123,"full_slug":124,"sort_by_date":25,"position":125,"tag_list":3636,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":128,"first_published_at":129,"release_id":25,"lang":32,"path":25,"alternates":3637,"default_full_slug":124,"translated_slugs":3638,"_stopResolving":41},{"_uid":122,"name":116,"component":22},[],[],[3639,3640,3641],{"path":124,"name":25,"lang":36,"published":25},{"path":124,"name":25,"lang":38,"published":25},{"path":124,"name":25,"lang":40,"published":25},{"name":1249,"created_at":1250,"published_at":16,"updated_at":1251,"id":1252,"uuid":1253,"content":3643,"slug":1261,"full_slug":1262,"sort_by_date":25,"position":26,"tag_list":3645,"is_startpage":28,"parent_id":1264,"meta_data":25,"group_id":1265,"first_published_at":1266,"release_id":25,"lang":32,"path":25,"alternates":3646,"default_full_slug":1262,"translated_slugs":3647,"_stopResolving":41},{"_uid":1255,"icon":3644,"name":1249,"component":1260},{"id":1257,"alt":1258,"name":72,"focus":72,"title":72,"filename":1259,"copyright":72,"fieldtype":77,"is_external_url":28},[],[],[3648,3649,3650],{"path":1262,"name":25,"lang":36,"published":25},{"path":1262,"name":25,"lang":38,"published":25},{"path":1262,"name":25,"lang":40,"published":25},[32],"\u003C!--#storyblok#{\"name\": \"article\", \"space\": \"146026\", \"uid\": \"5c83bb1b-b649-479b-909c-d6ae32e9917f\", \"id\": \"473097852\"}-->",[3654],{"_uid":3655,"type":72,"asset":3656,"shadow":28,"caption":72,"overlay":3660,"_editable":3661,"component":265},"18a9bc9f-dfce-4bc3-8de0-9f6624771786",{"id":3657,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3658,"copyright":72,"fieldtype":77,"meta_data":3659,"is_private":28,"is_external_url":28},15087747,"https://a.storyblok.com/f/146026/2380x1340/f40cea19bc/universal-social-charge.png",{},[],"\u003C!--#storyblok#{\"name\": \"image\", \"space\": \"146026\", \"uid\": \"18a9bc9f-dfce-4bc3-8de0-9f6624771786\", \"id\": \"473097852\"}-->","2024-04-04 12:00",[3664],{"_uid":3665,"type":72,"asset":3666,"shadow":28,"caption":72,"overlay":3668,"_editable":3669,"component":265},"8469cbae-f5d5-4e83-a28c-0047c8a23321",{"id":3657,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3658,"copyright":72,"fieldtype":77,"meta_data":3667,"is_private":28,"is_external_url":28},{},[],"\u003C!--#storyblok#{\"name\": \"image\", \"space\": \"146026\", \"uid\": \"8469cbae-f5d5-4e83-a28c-0047c8a23321\", \"id\": \"473097852\"}-->",[3671],{"_uid":3672,"items":3673,"heading":3710,"reverse":28,"component":2981,"sectionSettings":3728},"d62395a6-e0a3-429c-8a02-d752ea616149",[3674,3683,3692,3701],{"_uid":3675,"title":3676,"component":2836,"description":3677},"a920cb08-7467-49ad-a441-4346b4ea0616","What is the Universal Social Charge (USC) and who pays it in Ireland?",{"type":93,"content":3678},[3679],{"type":96,"content":3680},[3681],{"text":3682,"type":102},"The Universal Social Charge (USC) is an Irish tax on gross income charged to individuals based on income bands and thresholds set by Revenue. Spendesk helps finance teams by centralizing payroll-related payments and providing categorized transaction data and receipt trails, enabling accurate identification of income items that affect USC liabilities for downstream accounting or payroll processing.",{"_uid":3684,"title":3685,"component":2836,"description":3686},"f962a33b-d113-44c8-9640-f02bb3f41a11","How does USC apply to employee expense reimbursements?",{"type":93,"content":3687},[3688],{"type":96,"content":3689},[3690],{"text":3691,"type":102},"USC does not apply to genuine business expense reimbursements when expenses are supported by valid receipts and company policy, because reimbursements are not taxable income. Spendesk enforces expense policies, captures receipts with each transaction, and produces audit-ready reports so finance teams can demonstrate correct classification and avoid misreporting reimbursements that would impact USC calculations.",{"_uid":3693,"title":3694,"component":2836,"description":3695},"e22374a5-4e8b-43eb-9180-1e176d29d3c0","Can Spendesk calculate USC or automate USC reporting?",{"type":93,"content":3696},[3697],{"type":96,"content":3698},[3699],{"text":3700,"type":102},"Spendesk does not calculate payroll taxes like USC directly, but Spendesk automates expense capture, tags transactions with custom tax and accounting codes, and exports detailed transaction-level data to payroll and accounting systems to enable accurate USC calculation and reporting by the payroll provider or accounting team.",{"_uid":3702,"title":3703,"component":2836,"description":3704},"626e26bc-7eb3-4d22-999d-421401f7576a","How should companies record taxable benefits that affect USC when using Spendesk?",{"type":93,"content":3705},[3706],{"type":96,"content":3707},[3708],{"text":3709,"type":102},"Companies must treat taxable benefits and payroll-related items that trigger USC as gross pay items in payroll records; Spendesk helps by letting finance teams tag card charges and expenses as taxable benefits using customizable categories and generating accounting exports that map those items to payroll codes for accurate USC treatment.",[3711],{"cta":3712,"_uid":3713,"title":3714,"eyebrow":3721,"subtitle":3724,"component":244,"textAlign":72,"sectionSettings":3727,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":72},[],"f585107a-e367-4a79-81cb-7cd093089f00",{"type":93,"content":3715},[3716],{"type":244,"attrs":3717,"content":3718},{"level":246},[3719],{"text":3720,"type":102},"Universal Social Charge Usc — FAQ",{"type":93,"content":3722},[3723],{"type":96},{"type":93,"content":3725},[3726],{"type":96},[],[3729],{"_uid":3730,"hide":28,"theme":3495,"anchorId":72,"component":3496,"spacingTop":72,"hideOnDevices":3731,"spacingBottom":72,"floatingImages":3732,"variableOverrides":3733},"dc95aa8c-c499-408c-b127-bc6023853a77",[],[],[],"universal-social-charge-usc","blog/universal-social-charge-usc",-200,[],"fbd828e5-1214-46bc-b7f4-6786976a6ff3","2024-04-04T15:10:09.281Z",[],[3742,3743,3744],{"path":3735,"name":25,"lang":36,"published":25},{"path":3735,"name":25,"lang":38,"published":25},{"path":3735,"name":25,"lang":40,"published":25},{"name":3746,"created_at":3747,"published_at":3748,"updated_at":3749,"id":3750,"uuid":3751,"content":3752,"slug":3860,"full_slug":3861,"sort_by_date":25,"position":3862,"tag_list":3863,"is_startpage":28,"parent_id":1291,"meta_data":25,"group_id":3864,"first_published_at":3865,"release_id":25,"lang":32,"path":25,"alternates":3866,"default_full_slug":3861,"translated_slugs":3867},"5 keys to effective finance business partnering","2024-03-05T15:35:37.316Z","2026-03-20T15:29:39.428Z","2026-03-20T15:29:39.465Z",455804932,"2f63214d-5f84-4ee4-949d-383e17a5dcb5",{"_uid":3753,"title":3746,"topics":3754,"noIndex":28,"category":3763,"language":3772,"component":1261,"heroMedia":3773,"publishedAt":3781,"readingTime":3782,"redirectUrl":72,"listingImage":3783,"metaDescription":3789,"componentsAfterTheArticle":3790},"91be66e0-b6ef-4cac-8f04-7f7d2934e001",[3755],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3756,"slug":123,"full_slug":124,"sort_by_date":25,"position":125,"tag_list":3757,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":128,"first_published_at":129,"release_id":25,"lang":32,"path":25,"alternates":3758,"default_full_slug":124,"translated_slugs":3759,"_stopResolving":41},{"_uid":122,"name":116,"component":22},[],[],[3760,3761,3762],{"path":124,"name":25,"lang":36,"published":25},{"path":124,"name":25,"lang":38,"published":25},{"path":124,"name":25,"lang":40,"published":25},{"name":1249,"created_at":1250,"published_at":16,"updated_at":1251,"id":1252,"uuid":1253,"content":3764,"slug":1261,"full_slug":1262,"sort_by_date":25,"position":26,"tag_list":3766,"is_startpage":28,"parent_id":1264,"meta_data":25,"group_id":1265,"first_published_at":1266,"release_id":25,"lang":32,"path":25,"alternates":3767,"default_full_slug":1262,"translated_slugs":3768,"_stopResolving":41},{"_uid":1255,"icon":3765,"name":1249,"component":1260},{"id":1257,"alt":1258,"name":72,"focus":72,"title":72,"filename":1259,"copyright":72,"fieldtype":77,"is_external_url":28},[],[],[3769,3770,3771],{"path":1262,"name":25,"lang":36,"published":25},{"path":1262,"name":25,"lang":38,"published":25},{"path":1262,"name":25,"lang":40,"published":25},[3360,32,3361],[3774],{"_uid":3775,"type":72,"asset":3776,"shadow":28,"caption":72,"overlay":3780,"component":265},"68ea2d85-3ca1-4da4-ad69-ac4ba0523aa3",{"id":3777,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3778,"copyright":72,"fieldtype":77,"meta_data":3779,"is_private":28,"is_external_url":28},14475105,"https://a.storyblok.com/f/146026/2380x1340/96ae1faf59/finance-business-partnering.png",{},[],"2024-03-05 00:00","5",[3784],{"_uid":3785,"type":72,"asset":3786,"shadow":28,"caption":72,"overlay":3788,"component":265},"a060acbf-bd1d-4b89-ab3d-38dfc76fd978",{"id":3777,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3778,"copyright":72,"fieldtype":77,"meta_data":3787,"is_private":28,"is_external_url":28},{},[],"Want a build a data-driven, high-performing company? Here's how smart finance business partnering makes this possible, and 5 keys to doing it well. ",[3791],{"_uid":3792,"items":3793,"heading":3837,"reverse":28,"component":2981,"sectionSettings":3854},"5ae5850c-ff6e-4b98-8825-e0f4eb80666a",[3794,3802,3810,3819,3828],{"_uid":3795,"title":2835,"component":2836,"description":3796},"09f2ce31-4ac0-4d4e-8168-8b15ce8a51cb",{"type":93,"content":3797},[3798],{"type":96,"content":3799},[3800],{"text":3801,"type":102},"Spend management is the process companies use to control, track, and optimize business spending. Spendesk centralizes approvals, issues physical and virtual cards, automates receipt capture and expense claims, and syncs transactions with accounting software. Spendesk reduces manual reconciliation, enforces budgets with spending limits, and provides finance teams real-time visibility into company-wide expenditures.",{"_uid":3803,"title":2905,"component":2836,"description":3804},"fb0e62d6-9997-4881-a180-4f1b64bd9824",{"type":93,"content":3805},[3806],{"type":96,"content":3807},[3808],{"text":3809,"type":102},"Spendesk works by combining corporate cards, approval workflows, and automated expense capture into a single platform. Employees request funds or use Spendesk physical or virtual cards, snap receipts in the mobile app, and submit claims for manager approval. Spendesk tags transactions, enforces budgets, and exports reconciled data to accounting tools for faster month-end close.",{"_uid":3811,"title":3812,"component":2836,"description":3813},"4dde9002-479f-4394-887f-3aa0d6f476e4","What is finance business partnering?",{"type":93,"content":3814},[3815],{"type":96,"content":3816},[3817],{"text":3818,"type":102},"Finance business partnering is when finance professionals collaborate with teams to guide budgeting, forecasting, and decision-making. Spendesk supports finance business partners by delivering real-time spend dashboards, budget controls, and approval workflows that surface actionable insights. Spendesk's transaction tagging and accounting exports let finance partners provide timely analysis and reduce manual reconciliation for strategic decision support.",{"_uid":3820,"title":3821,"component":2836,"description":3822},"84f4dd1e-938f-4c44-bfa7-da09023e1a08","How can Spendesk improve budget control for finance teams?",{"type":93,"content":3823},[3824],{"type":96,"content":3825},[3826],{"text":3827,"type":102},"Spendesk improves budget control by enabling finance teams to create project- and team-level budgets, set card spending limits, and pre-approve purchases. Spendesk's approval workflows and real-time spend alerts prevent overspend, while automatic reconciliation and reporting simplify variance analysis and help finance teams enforce budget policies across the organization.",{"_uid":3829,"title":3830,"component":2836,"description":3831},"a8f23c9b-757e-4385-a27a-80ef62d1baba","Can Spendesk integrate with accounting software?",{"type":93,"content":3832},[3833],{"type":96,"content":3834},[3835],{"text":3836,"type":102},"Spendesk integrates with major accounting software to automatically export reconciled transactions, VAT codes, and expense categories. Spendesk's integrations map Spendesk transaction data to ledgers, reduce manual journal entries, and accelerate month-end close. Finance teams can configure mapping rules and push reconciled batches to bookkeeping systems for accurate, auditable financial records.",[3838],{"cta":3839,"_uid":3840,"title":3841,"eyebrow":3847,"subtitle":3850,"component":244,"textAlign":72,"sectionSettings":3853,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":72},[],"f1d21610-933f-4486-a8d7-52a794122c01",{"type":93,"content":3842},[3843],{"type":244,"attrs":3844,"content":3845},{"level":246},[3846],{"text":1792,"type":102},{"type":93,"content":3848},[3849],{"type":96},{"type":93,"content":3851},[3852],{"type":96},[],[3855],{"_uid":3856,"hide":28,"theme":3495,"anchorId":72,"component":3496,"spacingTop":72,"hideOnDevices":3857,"spacingBottom":72,"floatingImages":3858,"variableOverrides":3859},"59ce8d32-0c3f-444b-abc5-dc4308758f8d",[],[],[],"finance-business-partner","blog/finance-business-partner",-110,[],"539d1d7b-8e98-48ee-9514-13a14dd99c87","2024-03-05T16:49:42.668Z",[],[3868,3869,3870],{"path":3861,"name":25,"lang":36,"published":25},{"path":3861,"name":25,"lang":38,"published":25},{"path":3861,"name":25,"lang":40,"published":25},{"name":3872,"created_at":3873,"published_at":16,"updated_at":3874,"id":3875,"uuid":3876,"content":3877,"slug":3918,"full_slug":3919,"sort_by_date":25,"position":3186,"tag_list":3920,"is_startpage":28,"parent_id":1291,"meta_data":25,"group_id":3921,"first_published_at":3922,"release_id":25,"lang":32,"path":25,"alternates":3923,"default_full_slug":3919,"translated_slugs":3924},"National Insurance: a guide for employers","2024-02-14T10:34:37.984Z","2026-03-12T10:48:01.176Z",443243398,"f1033aad-1a7b-4f02-a7c2-bf6e13d5d158",{"_uid":3878,"title":3879,"topics":3880,"noIndex":28,"category":3889,"language":3898,"_editable":3899,"component":1261,"heroMedia":3900,"publishedAt":3909,"readingTime":3782,"redirectUrl":72,"listingImage":3910,"metaDescription":3917},"4465fbe7-9c4f-4a9b-801d-0cd60c4af796","National Insurance contributions: A guide for UK employers",[3881],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3882,"slug":123,"full_slug":124,"sort_by_date":25,"position":125,"tag_list":3883,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":128,"first_published_at":129,"release_id":25,"lang":32,"path":25,"alternates":3884,"default_full_slug":124,"translated_slugs":3885,"_stopResolving":41},{"_uid":122,"name":116,"component":22},[],[],[3886,3887,3888],{"path":124,"name":25,"lang":36,"published":25},{"path":124,"name":25,"lang":38,"published":25},{"path":124,"name":25,"lang":40,"published":25},{"name":1249,"created_at":1250,"published_at":16,"updated_at":1251,"id":1252,"uuid":1253,"content":3890,"slug":1261,"full_slug":1262,"sort_by_date":25,"position":26,"tag_list":3892,"is_startpage":28,"parent_id":1264,"meta_data":25,"group_id":1265,"first_published_at":1266,"release_id":25,"lang":32,"path":25,"alternates":3893,"default_full_slug":1262,"translated_slugs":3894,"_stopResolving":41},{"_uid":1255,"icon":3891,"name":1249,"component":1260},{"id":1257,"alt":1258,"name":72,"focus":72,"title":72,"filename":1259,"copyright":72,"fieldtype":77,"is_external_url":28},[],[],[3895,3896,3897],{"path":1262,"name":25,"lang":36,"published":25},{"path":1262,"name":25,"lang":38,"published":25},{"path":1262,"name":25,"lang":40,"published":25},[32],"\u003C!--#storyblok#{\"name\": \"article\", \"space\": \"146026\", \"uid\": \"4465fbe7-9c4f-4a9b-801d-0cd60c4af796\", \"id\": \"443243398\"}-->",[3901],{"_uid":3902,"type":72,"asset":3903,"shadow":28,"caption":72,"overlay":3907,"_editable":3908,"component":265},"b5a941a8-5e17-43f3-b521-f3e3070a3477",{"id":3904,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3905,"copyright":72,"fieldtype":77,"meta_data":3906,"is_private":72,"is_external_url":28},14080028,"https://a.storyblok.com/f/146026/2048x1153/d514e1e78d/national-insurance.webp",{},[],"\u003C!--#storyblok#{\"name\": \"image\", \"space\": \"146026\", \"uid\": \"b5a941a8-5e17-43f3-b521-f3e3070a3477\", \"id\": \"443243398\"}-->","2024-02-14 00:00",[3911],{"_uid":3912,"type":72,"asset":3913,"shadow":28,"caption":72,"overlay":3915,"_editable":3916,"component":265},"5d0833a9-3440-4cd2-911a-a5423b7b01a5",{"id":3904,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3905,"copyright":72,"fieldtype":77,"meta_data":3914,"is_private":72,"is_external_url":28},{},[],"\u003C!--#storyblok#{\"name\": \"image\", \"space\": \"146026\", \"uid\": \"5d0833a9-3440-4cd2-911a-a5423b7b01a5\", \"id\": \"443243398\"}-->","How do the UK's National Insurance contributions work for companies? This article explains your obligations, and the amounts you can expect to pay per employee.","national-insurance","blog/national-insurance",[],"1e719a78-97d3-4349-9f50-bcc3638c876b","2024-02-14T15:00:07.480Z",[],[3925,3926,3927],{"path":3919,"name":25,"lang":36,"published":25},{"path":3919,"name":25,"lang":38,"published":25},{"path":3919,"name":25,"lang":40,"published":25},{"name":3929,"created_at":3930,"published_at":16,"updated_at":3931,"id":3932,"uuid":3933,"content":3934,"slug":4037,"full_slug":4038,"sort_by_date":25,"position":4039,"tag_list":4040,"is_startpage":28,"parent_id":1291,"meta_data":25,"group_id":4041,"first_published_at":4042,"release_id":25,"lang":32,"path":25,"alternates":4043,"default_full_slug":4038,"translated_slugs":4044},"CFO trends 2024: 6 insights & priorities for a bumper business year","2024-02-13T14:26:39.137Z","2026-03-12T10:48:01.082Z",442886843,"3610b303-cbec-4ac5-bdfc-974bbe0319c8",{"_uid":3935,"title":3936,"topics":3937,"noIndex":28,"category":3946,"language":3955,"component":1261,"heroMedia":3956,"publishedAt":3964,"readingTime":3965,"redirectUrl":72,"listingImage":3966,"metaDescription":3972,"componentsAfterTheArticle":3973},"29b3aaa2-fda8-4b34-81d6-b22a57bfc4af","CFO trends 2025: 6 insights & priorities for a bumper business year",[3938],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":3939,"slug":123,"full_slug":124,"sort_by_date":25,"position":125,"tag_list":3940,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":128,"first_published_at":129,"release_id":25,"lang":32,"path":25,"alternates":3941,"default_full_slug":124,"translated_slugs":3942,"_stopResolving":41},{"_uid":122,"name":116,"component":22},[],[],[3943,3944,3945],{"path":124,"name":25,"lang":36,"published":25},{"path":124,"name":25,"lang":38,"published":25},{"path":124,"name":25,"lang":40,"published":25},{"name":1249,"created_at":1250,"published_at":16,"updated_at":1251,"id":1252,"uuid":1253,"content":3947,"slug":1261,"full_slug":1262,"sort_by_date":25,"position":26,"tag_list":3949,"is_startpage":28,"parent_id":1264,"meta_data":25,"group_id":1265,"first_published_at":1266,"release_id":25,"lang":32,"path":25,"alternates":3950,"default_full_slug":1262,"translated_slugs":3951,"_stopResolving":41},{"_uid":1255,"icon":3948,"name":1249,"component":1260},{"id":1257,"alt":1258,"name":72,"focus":72,"title":72,"filename":1259,"copyright":72,"fieldtype":77,"is_external_url":28},[],[],[3952,3953,3954],{"path":1262,"name":25,"lang":36,"published":25},{"path":1262,"name":25,"lang":38,"published":25},{"path":1262,"name":25,"lang":40,"published":25},[32],[3957],{"_uid":3958,"type":72,"asset":3959,"shadow":28,"caption":72,"overlay":3963,"component":265},"26e302aa-3a08-4c00-bf7e-54bb215a6d57",{"id":3960,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3961,"copyright":72,"fieldtype":77,"meta_data":3962,"is_private":72,"is_external_url":28},14060315,"https://a.storyblok.com/f/146026/2048x1153/3476f7c806/cfo-trends.webp",{},[],"2024-02-13 00:00","7",[3967],{"_uid":3968,"type":72,"asset":3969,"shadow":28,"caption":72,"overlay":3971,"component":265},"55a60f42-7002-4a5a-a0c4-ac483280c224",{"id":3960,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":3961,"copyright":72,"fieldtype":77,"meta_data":3970,"is_private":72,"is_external_url":28},{},[],"What do top finance leaders plan to prioritise for 2025? This article highlights 6 key CFO trends and how you can implement in your business this year. ",[3974],{"_uid":3975,"items":3976,"heading":4013,"reverse":28,"component":2981,"sectionSettings":4031},"d05eb90a-21c1-49ad-ab41-36ee0036b361",[3977,3986,3995,4004],{"_uid":3978,"title":3979,"component":2836,"description":3980},"7c1402ff-0208-445f-8056-247d116c0be8","How can CFOs use spend management tools to control costs and improve forecasting?",{"type":93,"content":3981},[3982],{"type":96,"content":3983},[3984],{"text":3985,"type":102},"Spendesk helps CFOs control costs and improve forecasting by centralizing company spending, enforcing budget controls, and providing real-time dashboards and spend analytics. Spendesk’s virtual and physical cards, automated expense reports, and ERP integrations deliver up-to-date transaction data for rolling forecasts and variance analysis, reducing manual reconciliation and improving accuracy for quarterly and annual financial planning.",{"_uid":3987,"title":3988,"component":2836,"description":3989},"99defabf-f387-4b95-a950-410eba298483","What finance automation features should CFOs prioritize this year?",{"type":93,"content":3990},[3991],{"type":96,"content":3992},[3993],{"text":3994,"type":102},"Spendesk offers essential finance automation features that modern CFOs adopt: virtual cards for controlled vendor payments, automated receipt capture and expense reporting, multi-level approval workflows, per-card spend limits, and native ERP integrations. These Spendesk features streamline procure-to-pay, accelerate approvals, and reduce reconciliation time, enabling finance teams to reallocate effort from manual transaction processing to strategic analysis.",{"_uid":3996,"title":3997,"component":2836,"description":3998},"2d8d6810-c97d-4f61-bd78-91301faf5a45","How does Spendesk integrate with ERPs to speed up month-end close?",{"type":93,"content":3999},[4000],{"type":96,"content":4001},[4002],{"text":4003,"type":102},"Spendesk integrates with ERPs to accelerate month-end close by syncing finalized transactions, receipts, and approval histories directly to accounting systems. Spendesk’s automatic transaction export, configurable mapping, and audit-ready activity logs reduce manual data entry, enable faster reconciliation, and support one-click exports that shorten close cycles while maintaining a clear audit trail for finance teams.",{"_uid":4005,"title":4006,"component":2836,"description":4007},"9594e28b-bd46-405b-96b2-73b2ebbbbd1b","Can Spendesk enforce budget compliance across departments?",{"type":93,"content":4008},[4009],{"type":96,"content":4010},[4011],{"text":4012,"type":102},"Spendesk enforces budget compliance across departments by applying real-time budget checks, pre-approval rules, and per-card or per-project spend limits that block out-of-budget purchases. Spendesk’s centralized spend controls, live budget dashboards, and automated notifications ensure budget owners see commitment and consumption trends, preventing overspend and simplifying policy audits without manual spreadsheet tracking.",[4014],{"cta":4015,"_uid":4016,"title":4017,"eyebrow":4024,"subtitle":4027,"component":244,"textAlign":72,"sectionSettings":4030,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":72},[],"15f5917e-f294-4051-9636-a928d8c7caa9",{"type":93,"content":4018},[4019],{"type":244,"attrs":4020,"content":4021},{"level":246},[4022],{"text":4023,"type":102},"Cfo Trends — FAQ",{"type":93,"content":4025},[4026],{"type":96},{"type":93,"content":4028},[4029],{"type":96},[],[4032],{"_uid":4033,"hide":28,"theme":3495,"anchorId":72,"component":3496,"spacingTop":72,"hideOnDevices":4034,"spacingBottom":72,"floatingImages":4035,"variableOverrides":4036},"5ee12e54-5554-4d3a-9951-13e6fa7fec9c",[],[],[],"cfo-trends","blog/cfo-trends",-70,[],"c440f593-baaa-4365-9ddf-353643f885f5","2024-02-13T15:10:44.732Z",[],[4045,4046,4047],{"path":4038,"name":25,"lang":36,"published":25},{"path":4038,"name":25,"lang":38,"published":25},{"path":4038,"name":25,"lang":40,"published":25},{"name":4049,"created_at":4050,"published_at":16,"updated_at":4051,"id":4052,"uuid":4053,"content":4054,"slug":4090,"full_slug":4091,"sort_by_date":25,"position":4092,"tag_list":4093,"is_startpage":28,"parent_id":1291,"meta_data":25,"group_id":4094,"first_published_at":4095,"release_id":25,"lang":32,"path":25,"alternates":4096,"default_full_slug":4091,"translated_slugs":4097},"Audit preparation: how to prepare for your first external audit","2024-02-08T14:44:10.181Z","2026-03-12T10:48:01.026Z",440301652,"742c3a35-5384-4e62-b1a4-25f6f8444f63",{"_uid":4055,"title":4049,"topics":4056,"category":4065,"language":4074,"component":1261,"heroMedia":4075,"publishedAt":4083,"readingTime":3965,"redirectUrl":72,"listingImage":4084,"metaDescription":72},"017de9c8-35d0-45c6-bc1e-190f2da00e61",[4057],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":4058,"slug":123,"full_slug":124,"sort_by_date":25,"position":125,"tag_list":4059,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":128,"first_published_at":129,"release_id":25,"lang":32,"path":25,"alternates":4060,"default_full_slug":124,"translated_slugs":4061,"_stopResolving":41},{"_uid":122,"name":116,"component":22},[],[],[4062,4063,4064],{"path":124,"name":25,"lang":36,"published":25},{"path":124,"name":25,"lang":38,"published":25},{"path":124,"name":25,"lang":40,"published":25},{"name":1249,"created_at":1250,"published_at":16,"updated_at":1251,"id":1252,"uuid":1253,"content":4066,"slug":1261,"full_slug":1262,"sort_by_date":25,"position":26,"tag_list":4068,"is_startpage":28,"parent_id":1264,"meta_data":25,"group_id":1265,"first_published_at":1266,"release_id":25,"lang":32,"path":25,"alternates":4069,"default_full_slug":1262,"translated_slugs":4070,"_stopResolving":41},{"_uid":1255,"icon":4067,"name":1249,"component":1260},{"id":1257,"alt":1258,"name":72,"focus":72,"title":72,"filename":1259,"copyright":72,"fieldtype":77,"is_external_url":28},[],[],[4071,4072,4073],{"path":1262,"name":25,"lang":36,"published":25},{"path":1262,"name":25,"lang":38,"published":25},{"path":1262,"name":25,"lang":40,"published":25},[32,3360,3361],[4076],{"_uid":4077,"type":72,"asset":4078,"shadow":28,"caption":72,"overlay":4082,"component":265},"3f10fbd1-ff5c-4062-a970-f981ca04e01a",{"id":4079,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":4080,"copyright":72,"fieldtype":77,"meta_data":4081,"is_private":72,"is_external_url":28},14010796,"https://a.storyblok.com/f/146026/2380x1340/7705162c6a/audit-preparation.png",{},[],"2024-02-08 00:00",[4085],{"_uid":4086,"type":72,"asset":4087,"shadow":28,"caption":72,"overlay":4089,"component":265},"36dee72a-d22e-492a-9adc-29098c0506e9",{"id":4079,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":4080,"copyright":72,"fieldtype":77,"meta_data":4088,"is_private":72,"is_external_url":28},{},[],"audit-preparation","blog/audit-preparation",-60,[],"59062b59-4760-4408-bda2-7fc7af39660a","2024-02-08T15:10:34.447Z",[],[4098,4099,4100],{"path":4091,"name":25,"lang":36,"published":25},{"path":4091,"name":25,"lang":38,"published":25},{"path":4091,"name":25,"lang":40,"published":25},{"name":4102,"created_at":4103,"published_at":16,"updated_at":4104,"id":4105,"uuid":4106,"content":4107,"slug":4146,"full_slug":4147,"sort_by_date":25,"position":4148,"tag_list":4149,"is_startpage":28,"parent_id":1291,"meta_data":25,"group_id":4150,"first_published_at":4151,"release_id":25,"lang":32,"path":25,"alternates":4152,"default_full_slug":4147,"translated_slugs":4153},"8 keys to create an effective annual plan for 2024","2023-11-29T13:03:04.738Z","2026-03-12T10:47:59.986Z",412526186,"de590a60-5b91-4782-8349-9aaca92eac46",{"_uid":4108,"title":4109,"topics":4110,"noIndex":28,"category":4119,"language":4128,"component":1261,"heroMedia":4129,"publishedAt":4137,"readingTime":4138,"redirectUrl":72,"listingImage":4139,"metaDescription":4145},"4ef64912-e596-4787-91d9-a0b96331c427","8 steps for finance leaders to create an effective annual plan",[4111],{"name":116,"created_at":117,"published_at":16,"updated_at":118,"id":119,"uuid":120,"content":4112,"slug":123,"full_slug":124,"sort_by_date":25,"position":125,"tag_list":4113,"is_startpage":28,"parent_id":127,"meta_data":25,"group_id":128,"first_published_at":129,"release_id":25,"lang":32,"path":25,"alternates":4114,"default_full_slug":124,"translated_slugs":4115,"_stopResolving":41},{"_uid":122,"name":116,"component":22},[],[],[4116,4117,4118],{"path":124,"name":25,"lang":36,"published":25},{"path":124,"name":25,"lang":38,"published":25},{"path":124,"name":25,"lang":40,"published":25},{"name":1249,"created_at":1250,"published_at":16,"updated_at":1251,"id":1252,"uuid":1253,"content":4120,"slug":1261,"full_slug":1262,"sort_by_date":25,"position":26,"tag_list":4122,"is_startpage":28,"parent_id":1264,"meta_data":25,"group_id":1265,"first_published_at":1266,"release_id":25,"lang":32,"path":25,"alternates":4123,"default_full_slug":1262,"translated_slugs":4124,"_stopResolving":41},{"_uid":1255,"icon":4121,"name":1249,"component":1260},{"id":1257,"alt":1258,"name":72,"focus":72,"title":72,"filename":1259,"copyright":72,"fieldtype":77,"is_external_url":28},[],[],[4125,4126,4127],{"path":1262,"name":25,"lang":36,"published":25},{"path":1262,"name":25,"lang":38,"published":25},{"path":1262,"name":25,"lang":40,"published":25},[32],[4130],{"_uid":4131,"type":72,"asset":4132,"shadow":28,"caption":72,"overlay":4136,"component":265},"71c3a64c-b45f-40fe-9d46-6da738a48196",{"id":4133,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":4134,"copyright":72,"fieldtype":77,"meta_data":4135,"is_external_url":28},13121658,"https://a.storyblok.com/f/146026/2380x1340/b6d6ef1e81/annual-plan.png",{},[],"2024-11-29 00:00","6",[4140],{"_uid":4141,"type":72,"asset":4142,"shadow":28,"caption":72,"overlay":4144,"component":265},"3a359306-6f15-4f81-9ac4-244e522deba7",{"id":4133,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":4134,"copyright":72,"fieldtype":77,"meta_data":4143,"is_external_url":28},{},[],"Discover 8 essential strategies to create a winning annual plan for 2026. Learn actionable tips for setting goals, tracking metrics, and driving business growth in the new year. ","annual-plan","blog/annual-plan",30,[],"34ec7fb4-eba7-45dd-be7c-e585f19d1be6","2023-11-29T14:41:48.167Z",[],[4154,4155,4156],{"path":4147,"name":25,"lang":36,"published":25},{"path":4147,"name":25,"lang":38,"published":25},{"path":4147,"name":25,"lang":40,"published":25},[4158,4159,4160,4161],["Reactive",4101],["Reactive",3928],["Reactive",3871],["Reactive",3029],1776945770436]