Financial Services is one of the most highly regulated industries in the world and facing unparalleled competition from new entrants and fintechs. The drive to innovate, cut costs and focus on new personalized services is driving continual change in the industry. Financial institutions need to focus resources on areas of differentiation, while also standardizing back-office processes. SAP Concur solutions provide best-in-class travel and expense (T&E) management in the cloud to meet these challenges and help financial services organizations create and sustain success.