Two decades ago, Software as a Service (SaaS) changed how organizations operated by bringing scalability, flexibility, and speed to enterprise software. Today, we stand at another major inflection point: the rise of Intelligence as a Service.
Artificial intelligence is no longer an enhancement to software. It has become the core engine that powers smarter workflows, predictive decisions, and a touchless user experience. And in the world of travel and expense management, Emburse is leading this revolution.
The Pain Point That’s Finally Fixed: Hotel and Car Rental Folio Capture
For years, travelers and finance teams have shared the same frustration capturing hotel and car rental folios: slow and brittle system processing, inconsistent performance across upload methods and file types, inefficient line-by-line manual entry, and a lack of adaptability to template changes internationally.
With the launch of the new AI-powered Emburse Folio, those painful days are over.
Whether you snap a photo of your hotel bill on the go or upload a PDF car rental invoice from your desk, Emburse AI instantly captures, itemizes, and codes every line—automatically extracting details like check-in/check-out date or car class and departure/arrival date, in addition to a line-by-line breakdown of lodging, taxes, meals, parking, fuel, and more.
And with Emburse AI’s global adaptability, travelers can rely on accurate capture even for boutique international hotels.
The impact:
- Travelers save time and avoid tedious manual entry.
- Expenses are populated in seconds.
- Errors are prevented before they happen.
- Organizations avoid reimbursement delays.
- Finance gains instant visibility into accurate spend data.
It is not just automation. It’s Emburse Expense Intelligence in action.
And that same intelligence powering every captured line item is now reshaping how organizations manage compliance, before a single expense is ever submitted.
The Future of Audit & Compliance
Even the most advanced audit tools still work after the fact, catching issues only once an expense has already been submitted. That means endless back-and-forth, clerical rework, and frustrated teams.
Powered by Emburse AI, Emburse Assurance brings AI-driven compliance checks directly into the expense submission process. Instead of detecting errors after reimbursement, Emburse Assurance identifies potential issues the moment they’re created, catching fake receipts, duplicates, anomalies, and policy violations before they ever reach an approver or auditor.
It’s a shift from reactive to proactive. Finance and travel teams gain instant control without adding more work, transforming compliance from a cost center into a source of continuous assurance.
Why Emburse Leads
Emburse’s advantage lies in its modern AI architecture, built for scale, trust, and adaptability—something legacy and emerging competitors simply cannot match.
Built for Modern Enterprises Globally
- Emburse delivers an enterprise-grade platform, processing over one million transactions and $400 million+ daily across more than 200 countries, 170 currencies, and 100 languages.
- Its AI foundation is modular and scalable, ensuring data security, privacy, and continuous learning.
- Dual large language model (LLM) failover capabilities guarantee consistent performance and uptime, eliminating dependency on a single AI model.
- Highly adaptive to the latest AI advancements, Emburse AI evolves as quickly as the technology itself.
Emburse’s leadership is not just claimed—it’s confirmed. Emburse was named a Leader in the IDC MarketScape for AI-Enabled Travel & Expense Applications across Enterprise, Midmarket, and Small Business segments, citing its predictive automation, embedded intelligence, and agentic AI as major differentiators delivering measurable business value.
Emburse was also recognized with the IDC 2025 SaaS CSAT Award for Customer Satisfaction in Travel and Expense.
Intelligence as a Service Is the New Industry Standard
IDC validates this evolution from SaaS to Intelligence as a Service, marking a fundamental shift in how enterprise systems deliver value. In a recent interaction, IDC confirmed that leveraging AI to drive real-world business outcomes has become the new normal.
Legacy players are re-architecting to catch up—a process that will take years. New entrants still need to mature to ensure reliability, complex functionality, and scalability.
Meanwhile, Emburse is delivering purpose-built AI automations every day, combining intelligence, automation, and insight to give organizations a measurable edge in speed, compliance, and foresight.
Emburse is powering the intelligence layer of modern finance, transforming expense management into a strategic advantage.
The Takeaway
AI is transforming travel and expense management from a back-office chore into a proactive engine of insight and control. With Emburse Folio and Emburse Assurance, finance and travel teams worldwide can finally say:
“Goodbye, rework. Hello, intelligent automation.”
Emburse is paving the way for a new era where Intelligence as a Service becomes the new standard for enterprise performance.