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Emburse Expense Enterprise (formerly Chrome River) vs. Melio vs. SAP Concur

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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    Emburse Expense Enterprise (formerly Chrome River)

    Score8.3 out of 10
    N/AEmburse Enterprise is the enterprise expense and invoice-management product that replaces the former Chrome River name. Emburse states that the renaming does not change the product’s expense and invoice functionality, workflows, interface, or support; existing Chrome River customers use the same product under Emburse branding.N/A

    Melio

    Score8.4 out of 10
    N/AMelio is a small business-oriented Accounts Payable tool, presented as a service that helps small businesses keep up with business. A B2B payments experience and payment workflow designed to be simple, and to enable businesses to pay domestic and international vendors, expedite payments, or pay by card.N/A

    SAP Concur

    Score8.3 out of 10
    N/ASAP Concur is a SaaS expense report management product, and handles corporate travel booking, expense report automation, reimbursement, audit, and business intelligence, and corporate card integration.

    $7

    per month

    Pricing
    Emburse Expense Enterprise (formerly Chrome River)MelioSAP Concur
    Editions & Modules
    No answers on this topic
    Card processing fee
    2.9%
    Base
    $7.00
    per report (average price)
    Plus
    $11.00
    Offerings
    Pricing Offerings
    Emburse Expense Enterprise (formerly Chrome River)MelioSAP Concur
    Free Trial
    NoYesYes
    Free/Freemium Version
    NoNoNo
    Premium Consulting/Integration Services
    NoNoNo
    Entry-level Setup FeeNo setup feeNo setup feeNo setup fee
    Additional DetailsWe offer three cost-effective, subscription-based pricing models: A transaction-based model, priced according to expense report volume A submitter-based model, priced according to an average number of monthly submitters An enterprise-level model that includes unlimited expense reports. Pricing for this model is based on total employee headcount Feel free to contact us to discuss the best one for your organization.
    More Pricing Information
    Community Pulse
    Emburse Expense Enterprise (formerly Chrome River)MelioSAP Concur
    Considered Multiple Products
    Emburse
    Chose Emburse Expense Enterprise (formerly Chrome River)
    The overall user interface was easy to use and it made the task of the reporting very easy. Compliance rules are guiding the users to correctly upload and enter receipts, which are already uploaded and recognized via OCR during the business trip. Uploading can easily done via …
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    Chrome River seams more updates and the matching of expenses and receipts is something i don't remember Concur doing
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    The user interface and features surpass the experience and similar features of other products because of the following. Good customer support to also make the program better. Also, a good interface to navigate the expense creation process.
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    Concur was a very detailed platform that we used at my old company, but it was not very user friendly. The compliance rules set up required heavy detail from the employee that leadership or managers would not even read. the rules set in place resulted in slow processing times …
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    I think Chrome River is much more intuitive and user-friendly. Also, I love the ease of pulling data and diving into analytics with Chrome River. The system is very dynamic and changes in real-time. As far as Concur goes, I had a lot of difficulty and redundant motions when …
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    Chrome River was selected for ease of use and price per report. One of our affiliates was already using Chrome River and it came highly recommended and we were able to negotiate a price per report that was within our budget. Most of the expense systems have the same features …
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    • Works with our business model
    • Pre-approval method
    • Auto-approval functionality
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    Concur is a robust program and has a travel tool, but is too much for our organization.
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    For our organization, cost was the main factor.
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    Much more intuitive and user friendly.
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    The user interface, the selection process and the roadmap were big differentiators for us.
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    We were an existing Concur customer looking to expand our current implementation. We made the choice to evaluate other platforms and pricing prior to committing to such a large endeavor. When comparing Chrome River to Concur, everything about Chrome River was superior: customer …
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    I have not reviewed or evaluated any products recently. When we were looking at vendors for a T&E package, we did meet with Concur. They were a much larger vendor, but we felt that we might get lost in their world. We chose [Emburse] Chrome River because they seemed more …
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    Chrome River [EXPENSE] is globally deployable. Furthermore, a good connection between cytric Travel and Chrome River [EXPENSE] is available and working smoothly. Additionally, travel data are transferred into Chrome River [EXPENSE]. We installed a connection to our credit card …
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    Chrome River EXPENSE attracted business due to its end-user interface simplicity. The navigation, expense type menu (mosaic made of the icons/tiles) was a winning element. Mobility (laptop/PC/iOs/Android), approval routing, and receipt scanning via OCR were huge contributors to …
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    We selected Chrome River [EXPENSE] for user experience compared to others.
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    Concur was more expensive and didn't seem to have an much flexibility to customize.
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    Chrome River was much more intuitive while also very flexible to customize, which was necessary for our company. Other programs did not even come close to meeting our needs. Chrome River was our last stop, and we were thrilled to finally find a company that met our exact needs.
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    We currently use Concur for travel bookings. I was not impressed with Concur when our procurement department was getting this product set up. Not very flexible. I imagine (and have heard stories from other current Chrome River organizations) that this is similar for their …
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    We initially looked at Concur, Chrome River, and Certify as potential products for our company in 2017. Since that time, Chrome River and Certify are now owned by Emburse, so they are together...though separate. Concur did not offer as much for the money and seemed more …
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    Chrome River just seemed to work better. It was easier to navigate and to use. Also, it's OCR seemed better than Concur.
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    Chrome River Expense is much easier to use and implement, much less expensive, and the people are much more passionate about their product and company.
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    Chrome River is better than paper expense reimbursement reports. Paper reports can provide more flexibility and customization than Chrome River in some aspects though Chrome River also allows for some things not available with paper processing. The efficiency, accuracy, …
    Incentivized
    Chose Emburse Expense Enterprise (formerly Chrome River)
    What I like about Chrome River EXPENSE is the access the administrator has to making updates. With Concur I had to reach out to someone our IT team to make any changes. I also like that I get to test the updates in a sandbox before moving to production, this reduces the amount …
    Incentivized
    Melio
    No answer on this topic
    SAP Concur
    Chose SAP Concur
    We have other SAP ecosystem so picked Concur
    Incentivized
    Chose SAP Concur
    Much better. In chrome finding WBS is painful.
    Incentivized
    Chose SAP Concur
    Concur is integrated with Travel so it's a more useful tool. Data is much richer with the integrated solution as is the auto-creation of expense reports and the auto-itemization of hotel folio.
    Incentivized
    Chose SAP Concur
    From the employee perspective, Chrome River is a far superior product. It's modern-looking, easy to use, and so intuitive you almost don't need the contextual help.
    Incentivized
    Chose SAP Concur
    Concur Travel and Expense was more user friendly with stuff such as calculating per diem and figuring out hotel itemizations. Chrome River had more categories when it came to expenses though. Concur looked a little older based on user interface, Chrome River looked a little …
    Incentivized
    Chose SAP Concur
    SAP Concur is vastly superior to Chrome River EXPENSE. SAP Concur allows for easier expense to charge matching, mobile use, and end user ease of access and use. However, Abacus is again that much better than SAP Concur, including better department level management tools. The …
    Incentivized
    Key User Insights
    Would buy again
    95%
    Would buy again
    19 Answers
    71%
    Would buy again
    17 Answers
    94%
    Would buy again
    732 Answers
    Delivers good value for the price
    100%
    Delivers good value for the price
    15 Answers
    78%
    Delivers good value for the price
    18 Answers
    95%
    Delivers good value for the price
    586 Answers
    Happy with the feature set
    95%
    Happy with the feature set
    19 Answers
    75%
    Happy with the feature set
    18 Answers
    95%
    Happy with the feature set
    738 Answers
    Lived up to sales and marketing promises
    82%
    Lived up to sales and marketing promises
    9 Answers
    77%
    Lived up to sales and marketing promises
    17 Answers
    93%
    Lived up to sales and marketing promises
    385 Answers
    Implementation went as expected
    83%
    Implementation went as expected
    10 Answers
    87%
    Implementation went as expected
    20 Answers
    94%
    Implementation went as expected
    419 Answers
    Features
    Emburse Expense Enterprise (formerly Chrome River)MelioSAP Concur
    Expense Management
    Comparison of Expense Management features of Emburse Expense Enterprise (formerly Chrome River) and Melio and SAP Concur
    Feature
    Emburse Expense Enterprise (formerly Chrome River)
    8.5
    4 Ratings
    3% above category average
    Melio
    -
    Ratings
    SAP Concur
    8.3
    564 Ratings
    0% above category average
    Employee Expense Reporting8.04 Ratings00 Ratings8.4556 Ratings
    Corporate Card Reconciliation9.03 Ratings00 Ratings8.3420 Ratings
    Payment Management
    Comparison of Payment Management features of Emburse Expense Enterprise (formerly Chrome River) and Melio and SAP Concur
    Feature
    Emburse Expense Enterprise (formerly Chrome River)
    7.9
    4 Ratings
    1% below category average
    Melio
    9.4
    14 Ratings
    21% above category average
    SAP Concur
    8.2
    495 Ratings
    2% above category average
    Customizable Approval Policies8.33 Ratings7.911 Ratings8.2434 Ratings
    Financial Document Management7.02 Ratings9.710 Ratings8.5369 Ratings
    Payment Status Tracking6.04 Ratings9.914 Ratings8.6429 Ratings
    Payment Audit Trail9.02 Ratings9.911 Ratings8.3400 Ratings
    Duplicate Bill Detection8.33 Ratings9.810 Ratings7.6358 Ratings
    Advanced OCR8.52 Ratings9.89 Ratings8.2313 Ratings
    Electronic Funds Transfer8.01 Ratings8.912 Ratings8.4287 Ratings
    Accounts Payable
    Comparison of Accounts Payable features of Emburse Expense Enterprise (formerly Chrome River) and Melio and SAP Concur
    Feature
    Emburse Expense Enterprise (formerly Chrome River)
    -
    Ratings
    Melio
    9.4
    18 Ratings
    27% above category average
    SAP Concur
    -
    Ratings
    Automated Accounts Payable Processes00 Ratings8.917 Ratings00 Ratings
    Vendor Management00 Ratings9.417 Ratings00 Ratings
    Tax Form Preparation00 Ratings9.811 Ratings00 Ratings
    Best Alternatives
    Emburse Expense Enterprise (formerly Chrome River)MelioSAP Concur
    Small Businesses
    Brex
    Score9 out of 10
    Tipalti
    Score7.7 out of 10
    Brex
    Score9 out of 10
    Medium-sized Companies
    Expensify
    Score9 out of 10
    Stampli
    Score8.4 out of 10
    Expensify
    Score9 out of 10
    Enterprises
    SAP Concur
    Score8.3 out of 10
    Yooz
    Score8.8 out of 10
    Emburse Expense Enterprise (formerly Chrome River)
    Score8.3 out of 10
    All AlternativesView all alternativesView all alternativesView all alternatives
    User Ratings
    Emburse Expense Enterprise (formerly Chrome River)MelioSAP Concur
    Likelihood to Recommend
    7.1
    (124 ratings)
    8.9
    (24 ratings)
    8.3
    (1014 ratings)
    Likelihood to Renew
    9.8
    (18 ratings)
    9.7
    (2 ratings)
    8.4
    (48 ratings)
    Usability
    8.0
    (108 ratings)
    8.3
    (4 ratings)
    8.2
    (244 ratings)
    Availability
    10.0
    (1 ratings)
    9.0
    (1 ratings)
    8.3
    (16 ratings)
    Performance
    9.0
    (1 ratings)
    7.0
    (1 ratings)
    6.8
    (13 ratings)
    Support Rating
    9.0
    (113 ratings)
    8.0
    (1 ratings)
    7.8
    (45 ratings)
    In-Person Training
    -
    (0 ratings)
    9.0
    (1 ratings)
    5.9
    (7 ratings)
    Online Training
    9.0
    (1 ratings)
    8.0
    (1 ratings)
    8.2
    (6 ratings)
    Implementation Rating
    9.8
    (7 ratings)
    9.0
    (1 ratings)
    7.9
    (16 ratings)
    Configurability
    8.0
    (1 ratings)
    9.0
    (1 ratings)
    8.1
    (10 ratings)
    Contract Terms and Pricing Model
    -
    (0 ratings)
    7.0
    (1 ratings)
    -
    (0 ratings)
    Ease of integration
    6.0
    (1 ratings)
    10.0
    (1 ratings)
    8.1
    (63 ratings)
    Product Scalability
    8.0
    (1 ratings)
    8.0
    (1 ratings)
    8.9
    (62 ratings)
    Professional Services
    -
    (0 ratings)
    9.0
    (1 ratings)
    -
    (0 ratings)
    Vendor post-sale
    10.0
    (1 ratings)
    9.0
    (1 ratings)
    6.0
    (9 ratings)
    Vendor pre-sale
    10.0
    (1 ratings)
    9.0
    (1 ratings)
    5.7
    (10 ratings)
    User Testimonials
    Emburse Expense Enterprise (formerly Chrome River)MelioSAP Concur
    Likelihood to Recommend
    Emburse
    The Emburse Chrome River is well suited for tracking expenses and reimbursement. The compliance part of the software makes the task very easy to ensure all the reports that are being used within the company are updated and easy to verify. The Automating invoice processing makes some redundant task easy to execute.
    Incentivized
    Read full review
    Melio
    In my personal experiences, I would recommend Melio to a friend or colleague but would tell them the pros and the con. Melio has really made payments seem seamless and easy. The fact that one can plan his/her payment schedule in advance and at the same time track it, is a very big relief. In as much as Melio has a lot of good features but it still needs upgrade or update, like the notifications of failed payments and delays.
    Incentivized
    Read full review
    SAP Concur
    Most other products don't offer solutions for US statutory compliance. Concur handles it natively by localizing legal requirements and VAT reclamation. Another key benefit is that it enforces formal authorizations before an employee can even book a ticket. It can also enforce strict spending caps and mandatory justification for specific fields.
    Incentivized
    Read full review
    Pros
    Emburse
    • [Emburse] Chrome River listens to its customer's needs and does its best to match current products to those needs, or collaborate internally to determine if an enhancement can be made available that will not only benefit that customer, but will be a good use case for all Chrome River customers.
    • The [Emburse] Chrome River customer service team is great. Unlike most companies, you can speak to a liver person!
    • [Emburse] Chrome River's training offerings are relevant and pertinent to the day to day operations of the software.
    Incentivized
    Read full review
    Melio
    • The simplicity it adds to business payments is a great deal. One feature we really value it the ability to pay vendors by check. Melio prints and mails checks for us which saves time and hassle.
    • Payment scheduling tool is another thing we enjoy. This tool lets us plan ahead and manage cash flow more effectively by setting payment dates in advance.
    • Another thing Melio does well is the tracking of payment.
    • There was a time a vendor claimed that they hadn't been paid, but with just a few clicks we could see the check has already been delivered.
    • This kind of transparency gives us confident and keep things professional.
    • The integration with other platform or accounts like QuickBooks is an experience I did love to keep.
    Incentivized
    Read full review
    SAP Concur
    • Self service and easy to navigate
    • Available on all mobile devices
    • Provides travel options such as airlines for the destination with several options
    • Automatically define check in and check out dates and time for hotels
    • Reminds users to book other travel related activities
    Incentivized
    Read full review
    Cons
    Emburse
    • Would be great to have pre-saved templates available to apply to line items at the expense report header level rather than having to go into each line.
    • Would be nice to have a mass upload functionality for things like cost codes, allocations, and credit card users.
    Incentivized
    Read full review
    Melio
    • There should be an automatic link between vendors added with their Melio link and the same vendors that already exist in QuickBooks. As it is now, a new vendor is created when you do that and is not linked with the one that already is in QuickBooks.
    Incentivized
    Read full review
    SAP Concur
    • It is not very straightforward on how to add in loyalty programs. I've had several instances where my loyalty programs don't carry through with my booking
    • Expense reports are tedious to build, especially when you have several expenses to enter from a company trip
    • The new AI functions for reading uploaded receipts has never worked for me, requiring me to do it manually anyways
    Incentivized
    Read full review
    Likelihood to Renew
    Emburse
    Chrome River is easy to use. We needed little training for our users and instead pointed them to Chrome River's Help Guides which are clearly written and easy to understand. With tools SNAP and the ability to email receipts means we can be completely remote when submitting reports.
    Read full review
    Melio
    I like the interface. I am familiar with functionality. Convenient to send ACH payments.
    Incentivized
    Read full review
    SAP Concur
    Now that we are fully on Concur, switching is not an option. Concur has become ingrained in our expense reporting process. Furthermore, Concur continues to improve its offering. Each month, they release updates and changes, many of which were client requested. Concur's constant evolution means it is adapting with my business
    Incentivized
    Read full review
    Usability
    Emburse
    I would rate Chrome River Expense a 10 because, as I mentioned before, it is very simple and easy to use. This is important from an administrative point-of-view as well as for the field employee. Being a general contractor, it makes it all the better for our employees to use a program that is easy to understand and requires little time and effort. It has made tracking expenses very simple and has been well received by the entire company.
    Incentivized
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    Melio
    Melio has been a very important tool in the advancement of our business. With great features, it has made payments to vendors seamless and hassle free. In terms of vendor management, account/data tracking, and scheduling of payments in advance. This has formed the base that we are still with Melio till today.
    Incentivized
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    SAP Concur
    I think it is very easy to use, especially once you are acquainted with it. I think the UX could be improved so some things, like accessing old reports, are more intuitive once you learn it though it is not difficult to replicate.
    Incentivized
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    Reliability and Availability
    Emburse
    The software is always running effectively. I use many Cloud based systems and never had issues with Chrome River
    Incentivized
    Read full review
    Melio
    No answers on this topic
    SAP Concur
    In prior years I would have given them a 9.5 for availability. Unfortunately in 2015 so far this rating has dropped to a 7 overall.
    We have experienced far too many interruptions - from admins to employees who rely on it for day to day booking of travel and submission of expense reports. Server errors, slow system response time and spinning wheels are too common place. Those things should be a rare occurrence, not a daily interruption.

    While Conur still has great product offerings overall, they are currently not offering world class or best in class product (and customer service) availability. Remaining hopeful they step up and get their A game going again soon.
    Incentivized
    Read full review
    Performance
    Emburse
    System runs normal pretty much all the time. Does not slow any other systems down.
    Incentivized
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    Melio
    No answers on this topic
    SAP Concur
    Performance-wise, it's good, loads pages quickly, and reports are highly accurate and easy to understand. Also, we can generate custom reports as needed, and we have integrated with a few other apps, and we have not seen any downgrade in performance.
    Incentivized
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    Support Rating
    Emburse
    This has been easy for me because we have a rep that contacts the supporters for this product to correct any issues we may have with the software or changes needed to help out employees use Chrome River easier. This from my understanding has been a hit or miss kind of interaction with our rep and Chrome River.
    Incentivized
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    Melio
    They have great customer support system
    Incentivized
    Read full review
    SAP Concur
    I have never had to use customer support when using Concur Expense - the UX could be a bit nicer on the eyes or easier to understand, but there have never been any problems when using Concur Expense that I have had to ask or reach out to customer support to help me with anything.
    Incentivized
    Read full review
    In-Person Training
    Emburse
    No answers on this topic
    Melio
    Very educative. It was well detailed, organized and knowledgeable.
    Incentivized
    Read full review
    SAP Concur
    My Seniors were the ones who taught me about Concur. Concur Support team has sent me training links and answered me in their tickets too. Usually they are helpful and knows their stuff. There are times when webex meetings is conducted for reporting training. They were very patient and took down all the details from me.
    Incentivized
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    Online Training
    Emburse
    The software is very user friendly, so the online training was easy to pickup for everyone.
    Incentivized
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    Melio
    Very helpful and we learnt a handful
    Incentivized
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    SAP Concur
    The person on the online training was very through and helped us with all questions. The trainer was excellent—very knowledgeable, engaging, and easy to understand. If you'd like, I can tailor it for a formal evaluation or add specific strengths
    Incentivized
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    Implementation Rating
    Emburse
    Before implementation begins, make sure you have a plan on how you would like your workflow and platform setup for a system like Chrome River. It will speed the process and eliminate the need to make changes when you go live.
    Incentivized
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    Melio
    No answers on this topic
    SAP Concur
    There are different implementation teams for each module of the product you purchase, so implementation is not a 'one size fits all' environment. Also, the different implementation teams have different ways of doing things, so Concur could stand some standardization and streamlining in this area. A Project Manager can make or break an implementation so don't be scared to ask for a new one if things are rocky.
    Incentivized
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    Alternatives Considered
    Emburse
    It's the [industry-leading] software for Enterprise level organizations with [large-scale] teams and financial responsibilities. The software has the most robust set of tools and pays for itself with the amount of time it saves. Many newer alternatives have sprouted up but I don't know that we would ever trust another software to do our Expense Tracking and Management.
    Incentivized
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    Melio
    Melio is 100% free if you just use ACH, and that by itself would be reason enough for me to stick with the platform, it boats a ton of other useful features that add to the experience.
    Read full review
    SAP Concur
    Expensify and Zoho Expense work for small and mid-size businesses. Big multinationals do not receive benefits from the apps. Coupa is good as a solution for organizations with non-SAP leading systems. If you plan to use SAP ERP as the main/lending system then SAP Concur is the best solution, mainly for its native integration with SAP ecosystem.
    Incentivized
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    Contract Terms and Pricing Model
    Emburse
    No answers on this topic
    Melio
    The vendor is great
    Incentivized
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    SAP Concur
    No answers on this topic
    Scalability
    Emburse
    It's very easy software to design to your needs.
    Incentivized
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    Melio
    No answers on this topic
    SAP Concur
    This program has been very helpful, user friendly and has been a great asset to use to assist with time management. Not only are leadership involved with using this program but all staff as well. This is also a great way to hold each accountable. Easy startup with not many means for hands on training
    Incentivized
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    Professional Services
    Emburse
    No answers on this topic
    Melio
    Very knowledgeable
    Incentivized
    Read full review
    SAP Concur
    No answers on this topic
    Return on Investment
    Emburse
    • We have seen a return on approver time of nearly 60% meaning our approvers have tripled their output.
    • We have had feedback from our users that time spent creating expenses has gone from an average of 2 hours to perhaps 20 minutes, tops.
    • We have seen in our dashboards that the Emburse Certify Suite of tools has returned an average savings of over $500K a year.
    Incentivized
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    Melio
    • I have been able to save hours every week now that I am only using Melio as my payment processor
    • I can easily add invoice details which I use to create in another platform and upload to Melio, this saves me time with projects I want to be quicker with
    • The ease of use for my clients is fantastic, and makes for a seamless workflow
    Incentivized
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    SAP Concur
    • It makes the entire process of expense management crystal clear and thus helps in maintaining the trust of the employees, and thereby having good rapport of the company among the employees.
    • It helps in detecting the duplicate bills, thereby saving lots of money of the company.
    • It also helps in payment audits and thereby it helps in improving the overall process.
    Incentivized
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    ScreenShots

    Emburse Expense Enterprise (formerly Chrome River) Screenshots

    Screenshot of A consistent experience across any screen size or operating systemScreenshot of Simple, customizable tiles for expense entryScreenshot of Approve expenses directly from your inbox with a single click

    SAP Concur Screenshots

    Screenshot of a picture of a receipt snapped from a smartphoneScreenshot of analytics from SAP ConcurScreenshot of the integrated travel and expense applicationScreenshot of the SAP Concur mobile app