{"id":6782,"date":"2024-11-08T14:41:55","date_gmt":"2024-11-08T09:11:55","guid":{"rendered":"https:\/\/zv3d.wpengine.com\/us\/?p=6782"},"modified":"2025-01-31T16:06:45","modified_gmt":"2025-01-31T10:36:45","slug":"giving-small-business-credit-cards-an-expense-management-upgrade","status":"publish","type":"post","link":"https:\/\/www.zeta.tech\/us\/resources\/blog\/giving-small-business-credit-cards-an-expense-management-upgrade\/","title":{"rendered":"Giving Small Business Credit Cards an Expense Management Upgrade"},"content":{"rendered":"<h3><strong>Contents<\/strong><\/h3>\n<ul>\n<li><span style=\"text-decoration: underline;\"><a href=\"#smbsneedintegratedexpensemanagementsolutions\"><strong>SMBs Need Integrated Expense Management Solutions <\/strong><\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"#whyexistingcardsolutionsforsmbsfail\"><strong>Why Existing Card Solutions for SMBs Fail<\/strong><\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"#hownext-genbusinesscardscantransformexpensemanagement\"><strong>How Next-gen Business Cards Can Transform Expense Management <\/strong><\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"#thesmbexpensemanagementexperience\"><strong>The SMB Expense Management Experience <\/strong><\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"#theopportunityforissuers\"><strong>The Opportunity for Issuers<\/strong><\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"#thepromiseofnext-gencapabilitiesforsmbs\"><strong>The Promise of Next-gen Capabilities for SMBs <\/strong><\/a><\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Small and medium businesses (SMBs) are the neglected powerhouses of the US economy. As many as 17% of publicly traded companies worth $10 billion or more <\/span><span data-contrast=\"none\">were<\/span><span data-contrast=\"none\"> SMBs at some point in the last 25 years<b><span class=\"TextRun SCXW29534819 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW29534819 BCX8\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.mckinsey.com\/mgi\/our-research\/americas-small-businesses-time-to-think-big\" target=\"_blank\" rel=\"noopener\"><sup>1<\/sup><\/a><\/span><\/span><\/span><\/b>.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Millions of such businesses need financial services like credit cards to reach their potential, and present issuers with a massive business opportunity. Medium-sized businesses demonstrate <\/span><span data-contrast=\"none\">stickier relationships<\/span><span data-contrast=\"none\"> with their financial institutions (FIs) with an average tenure of 15 years<b><span class=\"TextRun SCXW29534819 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW29534819 BCX8\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www2.deloitte.com\/us\/en\/pages\/financial-services\/articles\/b2b-payments-for-the-middle-market.html\" target=\"_blank\" rel=\"noopener\"><sup>2<\/sup><\/a><\/span><\/span><\/span><\/b>. They also spend more, averaging <\/span><span data-contrast=\"none\">$13,000<\/span><span data-contrast=\"none\"> per month on credit cards<b><span class=\"TextRun SCXW29534819 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW29534819 BCX8\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2023-us-small-business-credit-card-satisfaction-study#_ftn1\" target=\"_blank\" rel=\"noopener\"><sup>3<\/sup><\/a><\/span><\/span><\/span><\/b>, while retail consumers spend <\/span><span data-contrast=\"none\">~$1,600<b><span class=\"TextRun SCXW29534819 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW29534819 BCX8\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.lendingtree.com\/personal\/average-monthly-debt-payments-throughout-us\/\" target=\"_blank\" rel=\"noopener\"><sup>4<\/sup><\/a><\/span><\/span><\/span><\/b><\/span><span data-contrast=\"none\">. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">But currently, credit card offerings are either designed for corporates (making them too complex and expansive), or retail customers (too simple and narrow in scope).\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Issuers need to address SMBs\u2019 unique demands from their credit card provider to win this market.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h2 id=\"smbsneedintegratedexpensemanagementsolutions\"><span style=\"font-weight: 400;\">SMBs Need Integrated Expense Management Solutions<\/span><\/h2>\n<p><span data-contrast=\"none\">As many as 79% of small employers in the US <\/span><span data-contrast=\"none\">use<\/span><span data-contrast=\"none\"> credit cards for business expenses<b><span class=\"TextRun SCXW29534819 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW29534819 BCX8\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.jpmorganchase.com\/institute\/all-topics\/business-growth-and-entrepreneurship\/small-business-use-of-credit-cards\" target=\"_blank\" rel=\"noopener\"><sup>5<\/sup><\/a><\/span><\/span><\/span><\/b>. They help small businesses build credit history, access a revolving line of credit, and most importantly, manage cash flows.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">However, traditional credit cards have failed to root out SMBs\u2019 cash flow challenges. According to PYMNTS Intelligence, <\/span><span data-contrast=\"none\">70% of SMBs<\/span><span data-contrast=\"none\"> have less than four months of cash reserves to cover operational expenses<b><span class=\"TextRun SCXW29534819 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW29534819 BCX8\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.pymnts.com\/smbs\/2024\/22percent-united-states-small-businesses-struggle-pay-bills-cash-flow\/\" target=\"_blank\" rel=\"noopener\"><sup>6<\/sup><\/a><\/span><\/span><\/span><\/b>. Day to day visibility of their cash reserves and control over expenses become a challenge with manual expense management and reliance on paper bills.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">As cash flow management becomes critical for their survival, SMBs are demanding more comprehensive cash management services from FIs to better maintain this delicate balance. At least <\/span><span data-contrast=\"none\">70%<\/span><span data-contrast=\"none\"> SMBs are in the market for better digital tools for their needs and willing to switch to institutions that offer them<b><span class=\"TextRun SCXW29534819 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW29534819 BCX8\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.pymnts.com\/smbs\/2024\/70-percent-of-small-businesses-want-better-cash-management-services-from-banks\/\" target=\"_blank\" rel=\"noopener\"><sup>7<\/sup><\/a><\/span><\/span><\/span><\/b>.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h2 id=\"whyexistingcardsolutionsforsmbsfail\"><span style=\"font-weight: 400;\">Why Existing Card Solutions for SMBs Fail<\/span><\/h2>\n<p><span class=\"TextRun SCXW226241909 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW226241909 BCX0\">Existing <\/span><span class=\"NormalTextRun SCXW226241909 BCX0\">credit <\/span><span class=\"NormalTextRun SCXW226241909 BCX0\">card<\/span> <span class=\"NormalTextRun SCXW226241909 BCX0\">solu<\/span><span class=\"NormalTextRun SCXW226241909 BCX0\">tions <\/span><span class=\"NormalTextRun SCXW226241909 BCX0\">f<\/span><span class=\"NormalTextRun SCXW226241909 BCX0\">a<\/span><span class=\"NormalTextRun SCXW226241909 BCX0\">il<\/span> <span class=\"NormalTextRun SCXW226241909 BCX0\">to<\/span> <span class=\"NormalTextRun SCXW226241909 BCX0\">assist<\/span><span class=\"NormalTextRun SCXW226241909 BCX0\"> SMBs with expense manage<\/span><span class=\"NormalTextRun SCXW226241909 BCX0\">ment<\/span><span class=\"NormalTextRun SCXW226241909 BCX0\">. <\/span><span class=\"NormalTextRun SCXW226241909 BCX0\">Here\u2019s<\/span><span class=\"NormalTextRun SCXW226241909 BCX0\"> why:<\/span><\/span><span class=\"EOP SCXW226241909 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\"><strong>Over-reliance on a single card<\/strong>: <\/span>Multiple employees are authorized to make business expenses in small businesses. However, businesses are often issued a single card, creating logistical challenges and complicating expense categorization.<span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\"><strong>Inefficient expense tracking<\/strong>: <\/span>Traditional credit cards are not linked to any expense management tools. Small business owners track expenses manually, increasing operational overhead. This could also lead to bookkeeping errors like inaccurate data entry and misclassification of expenses that are expensive to rectify in the long run.\u00a0<span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\"><strong>Opacity in spending<\/strong>: <\/span>Small business owners have low visibility into real-time credit card spending. This results in a limited view of expenditure and how it stacks up against earnings, and an inaccurate assessment of overall business cash flow.<span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\"><strong>Reporting challenges<\/strong>: <\/span>Paper receipts must be manually verified for reimbursement or accounting purposes. This process can take a long time, delaying payments and complicating bookkeeping.<span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<\/ul>\n<h2 id=\"hownext-genbusinesscardscantransformexpensemanagement\"><span style=\"font-weight: 400;\">How Next-gen Business Cards Can Transform Expense Management<\/span><\/h2>\n<p><span data-contrast=\"none\">Next-gen processing platforms enable issuers to build intelligent real-time experiences around the SMB credit card to deliver simple, seamless expense management capabilities to small employers and their staff. Some of these experiences can include:<\/span><\/p>\n<p><strong>Employee card management<\/strong><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Small business owners can digitally issue and activate add-on business credit cards to employees in minutes. This gives employees the flexibility to make authorized payments at any time, eliminating time-consuming dependencies.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\"><strong>Card controls<\/strong>\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Employers can set limits for the maximum amount of spending, transaction types and merchant categories for employee business cards. This ensures proper allocation of funds, adherence to expense policies, and helps avoid overshooting budgets.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><strong>Intelligent expense categorization<\/strong><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Next-gen enabled cards can categorize business spends in real time. Business owners and managers can thus track and control the categories of spend on their business credit cards. They can also set and track budgets across each category and draw insights on where the business has spent the most across time.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><strong>Real-time notifications<\/strong><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Real-time notifications on transactions, expense report submissions and expense approvals significantly enhance business owners\u2019 control and visibility over their cash flow and improves the employee experience.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><strong>Expense reporting<\/strong><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Digital interactions built around business cards allow employees to submit receipts against expenses made by them easily on the card app. They can simply upload pictures of the receipts on the app, eliminating the need to save paper receipts and manually file expenses.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><strong>Expense approval workflows<\/strong><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The submission of a receipt by an employee triggers employers to get a consolidated view of the expense amount, category, date, and receipt on their app. They can review this data and approve or deny the request instantly at the click of a button.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h2 id=\"thesmbexpensemanagementexperience\"><span style=\"font-weight: 400;\">The SMB Expense Management Experience<\/span><\/h2>\n<p><span data-contrast=\"none\">Our latest eBook <\/span><a href=\"https:\/\/www.zeta.tech\/us\/resources\/ebook-on-innovative-credit-card-program-use-cases-for-issuers\/\"><i><span data-contrast=\"none\">The Future of Cards is Now<\/span><\/i><\/a> <span data-contrast=\"none\">dives into several transformative credit card experiences that can be built on next-generation card technology. Here, I discuss two expense management experiences tailored for small and medium businesses from the eBook.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Expense controls and monitoring<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">A small business owner, Sarah, can add a card for a particular employee, Olivia, through her card app. The card is issued instantly, and Sarah can use the controls in her app to curate the categories across which this card can be used, add an upper limit to monthly spends, and even enable select transaction types on the card.<\/span><\/p>\n<p><span data-contrast=\"none\">While giving Sarah immense convenience in facilitating timely business purchases, this feature also helps prevent overspending and unauthorized transactions. Predefining expense categories speeds up expense reporting, and customizable controls encourage adherence to expense policies.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Expense reporting<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Olivia can use an in-app AI assistant to submit receipts from her photo gallery against the transactions made on her card. As seen in the use case here, the assistant prompts Olivia for an outstanding expense for receipt submission. When Olivia uploads the receipt image, the AI assistant uses optical character recognition (OCR) and generative AI technologies to read the image and submit the expense.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The expense submission triggers an approval workflow in Sarah\u2019s app. Sarah is prompted to approve or decline the reimbursement request instantly. Olivia is likewise informed of the decision in real time.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The automated expense management workflow is deeply integrated into the business credit card app, allowing for seamless workflows like raising and approving business expenses. It helps create a low-touch expense management model where sharing and verification of receipts are automated, requiring only a single tap from the manager or employer at the point of decision.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The expense reporting interface is easy to use, resulting in smoother accounting and improved employee engagement.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h2 id=\"theopportunityforissuers\"><span style=\"font-weight: 400;\">The Opportunity for Issuers<\/span><\/h2>\n<p><span data-contrast=\"none\">Fintechs like Brex and Ramp are improving their share in the business payments space with bespoke expense management solutions for SMBs. However, these solutions are built on credit cards owned by issuers.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">With next-gen capabilities, card issuers can host the core product and the value-added expense management services themselves, winning this critical customer segment back.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Personalized expense management, real-time card-issuance and AI-assisted expense reporting can help issuers better engage their small business customers and accrue the following benefits:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<ul>\n<li>Added value in expense card utilization increases card spend<\/li>\n<li>Instant virtual card issuance drives usage fee revenue<\/li>\n<li>Granular expense insights increase cross-sell potential<\/li>\n<li>Seamless expense management encourages increased card usage<\/li>\n<li>Value added service improves customer loyalty<\/li>\n<li>Detailed expense data improves target marketing<\/li>\n<\/ul>\n<h2 id=\"thepromiseofnext-gencapabilitiesforsmbs\"><span style=\"font-weight: 400;\">The Promise of Next-gen Capabilities for SMBs<\/span><\/h2>\n<p><span data-contrast=\"none\">Small and medium businesses face unique challenges that can no longer be addressed by repurposing retail or corporate banking products. With limited credit access to credit, erratic cash flows, unique operational challenges, SMBs desperately need better financial tools tailored to their scale.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Modern business credit cards built on next-generation capabilities offer a critical solution in this landscape. By replacing cumbersome manual processes with intelligent automation and rampant personal credit card usage with a flexible business credit card, banks can position themselves to serve this underserved yet vital segment of the economy.<\/span><\/p>\n<p><strong>References<\/strong><\/p>\n<ol>\n<li data-ccp-border-bottom=\"1px solid #000000\" data-ccp-padding-bottom=\"1.3333333333333333px\"><span class=\"TextRun SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-parastyle=\"footnote text\">\u00a0McKinsey, <\/span><\/span><a class=\"Hyperlink SCXW129582443 BCX8\" href=\"https:\/\/www.mckinsey.com\/mgi\/our-research\/americas-small-businesses-time-to-think-big\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-charstyle=\"Hyperlink\">America\u2019s small businesses: Time to think big<\/span><\/span><\/a><span class=\"TextRun SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-parastyle=\"footnote text\"> | October 2024<\/span><\/span><\/li>\n<li data-ccp-border-bottom=\"1px solid #000000\" data-ccp-padding-bottom=\"1.3333333333333333px\"><span class=\"TextRun SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-parastyle=\"footnote text\">\u00a0Deloitte, <\/span><\/span><a class=\"Hyperlink SCXW129582443 BCX8\" href=\"https:\/\/www2.deloitte.com\/us\/en\/pages\/financial-services\/articles\/b2b-payments-for-the-middle-market.html\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-charstyle=\"Hyperlink\">B2B payments for the middle market<\/span><\/span><\/a><span class=\"TextRun SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-parastyle=\"footnote text\"> |<\/span><\/span><\/li>\n<li data-ccp-border-bottom=\"1px solid #000000\" data-ccp-padding-bottom=\"1.3333333333333333px\"><span class=\"TextRun SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-parastyle=\"footnote text\">\u00a0J D Power,\u00a0<\/span><\/span><a class=\"Hyperlink SCXW129582443 BCX8\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2023-us-small-business-credit-card-satisfaction-study#_ftn1\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-charstyle=\"Hyperlink\">2023 US Small Business Credit Card Satisfaction Study<\/span><\/span><\/a><span class=\"TextRun SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-parastyle=\"footnote text\"> | December 2023<\/span><\/span><\/li>\n<li data-ccp-border-bottom=\"1px solid #000000\" data-ccp-padding-bottom=\"1.3333333333333333px\"><span class=\"TextRun SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-parastyle=\"footnote text\">\u00a0LendingTree,\u00a0 <\/span><\/span><a class=\"Hyperlink SCXW129582443 BCX8\" href=\"https:\/\/www.lendingtree.com\/personal\/average-monthly-debt-payments-throughout-us\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-charstyle=\"Hyperlink\">LendingTree Study<\/span><\/span><\/a><span class=\"TextRun SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-parastyle=\"footnote text\"> | January 2024<\/span><\/span><\/li>\n<li data-ccp-border-bottom=\"1px solid #000000\" data-ccp-padding-bottom=\"1.3333333333333333px\"><span class=\"TextRun SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-parastyle=\"footnote text\">\u00a0JPMorganChase, <\/span><\/span><a class=\"Hyperlink SCXW129582443 BCX8\" href=\"https:\/\/www.jpmorganchase.com\/institute\/all-topics\/business-growth-and-entrepreneurship\/small-business-use-of-credit-cards\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-charstyle=\"Hyperlink\">Cash or credit: Small business use of credit cards for cash flow management<\/span><\/span><\/a><span class=\"TextRun SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-parastyle=\"footnote text\"> | May 2023<\/span><\/span><\/li>\n<li data-ccp-border-bottom=\"1px solid #000000\" data-ccp-padding-bottom=\"1.3333333333333333px\"><span class=\"TextRun SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-parastyle=\"footnote text\">\u00a0PYMNTS Intelligence, <\/span><\/span><a class=\"Hyperlink SCXW129582443 BCX8\" href=\"https:\/\/www.pymnts.com\/tracker_posts\/from-cash-flow-pain-to-working-capital-gain-automated-ar-ap-solutions-for-smbs\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-charstyle=\"Hyperlink\">From Cash Flow Pain to Working Capital Gain: Automated AR\/AP Solutions for SMBs<\/span><\/span><\/a><span class=\"TextRun SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-parastyle=\"footnote text\"> | June 2024<\/span><\/span><\/li>\n<li data-ccp-border-bottom=\"1px solid #000000\" data-ccp-padding-bottom=\"1.3333333333333333px\"><span class=\"TextRun SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-parastyle=\"footnote text\"> PYMNTS Intelligence, <\/span><\/span><a class=\"Hyperlink SCXW129582443 BCX8\" href=\"https:\/\/www.pymnts.com\/tracker_posts\/the-150b-question-can-community-fis-capture-the-smb-digital-banking-opportunity\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-charstyle=\"Hyperlink\">The $150B Question: Can Community FIs Capture the SMB Digital Banking Opportunity?<\/span><\/span><\/a><span class=\"TextRun SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-parastyle=\"footnote text\"> | July 2024<\/span><\/span><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>Next-gen card technology can help issuers offer SMBs more than just payments with intelligent expense management that combines automation and control.<\/p>\n","protected":false},"author":36,"featured_media":6794,"comment_status":"open","ping_status":"open","sticky":false,"template":"single-new.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15],"tags":[35,29,21],"class_list":["post-6782","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cards-payments","tag-ai-banking","tag-digitalpayments","tag-next-gen-processing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.1 (Yoast SEO v25.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Giving Small Business Credit Cards an Expense Management Upgrade - Zeta US<\/title>\n<meta name=\"description\" content=\"Discover how next-gen business credit cards are transforming SMB expense management with AI-powered tools, real-time controls, and automated workflows.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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Ravindran","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.zeta.tech\/us\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/7f49df20fe6965dd6be8b0f2d8b33a5e358683266c0e03ec11299d3102a799cb?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/7f49df20fe6965dd6be8b0f2d8b33a5e358683266c0e03ec11299d3102a799cb?s=96&d=mm&r=g","caption":"Salil Ravindran"},"description":"Salil Ravindran leads Product Marketing at Zeta, bringing over 25 years of expertise in banking technology. Throughout his career, he has partnered with banks worldwide to address complex business challenges, playing a pivotal role in their transformation initiatives. Salil specializes in developing solutions across core banking, digital banking, and open finance, helping financial institutions innovate and drive growth. Prior to Zeta, Salil has held leadership roles at Open Financial Technologies, Prove, MEDICI Global, and Oracle Financial Services Business Unit. Outside of his professional role, Salil has a strong interest in public policy and enjoys teaching.","url":"https:\/\/www.zeta.tech\/us\/resources\/blog\/author\/salilravindran\/"}]}},"_links":{"self":[{"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/posts\/6782","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/users\/36"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/comments?post=6782"}],"version-history":[{"count":0,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/posts\/6782\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/media\/6794"}],"wp:attachment":[{"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/media?parent=6782"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/categories?post=6782"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/tags?post=6782"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}