How Velliv Modernised Spend Management with SAP Concur

Manual expense reports, disconnected invoice approvals, and spend you only see after it's happened — most finance teams know the pattern. Velliv, a Danish pensions and insurance provider, decided to fix it at the root.

In this customer interview filmed at Fusion Exchange Amsterdam, Velliv explains how SAP Concur has brought employee expenses, supplier invoices, and pre-trip approvals into a single connected spend management solution.

Why Velliv rethought its spend management process

Growing organisations rarely outgrow their spend tools all at once. Expenses are handled in one place, invoices in another, and travel approvals are handled over email. The result is duplicated effort for employees and incomplete data for finance. Velliv wanted a single, auditable process from request to reimbursement.

What changed for the business

• Less manual admin: receipt capture and itemisation happen automatically instead of at a desk
• Control before the spend, not after: requests are approved up front with Concur Request
• One view of total spend: employee expenses and supplier invoices reported together
• Audit-ready by default: compliance becomes a by-product of the workflow
• Continuous improvement: Essential Care keeps the configuration aligned as needs change