# Expense management for enterprise buyers: what AI models recommend, September 2026

Gane Index, September 2026 Edition. Asked as "expense management software" and as "employee expense reporting tool", six framings each, to twelve models with search on, on behalf of an enterprise B2B company. Page: https://www.gane.ai/index/finance/spend/expense-management/2026-09/enterprise

This is the permanent record of the September 2026 Edition, published September 17, 2026 and superseded since. The current standing: https://www.gane.ai/index/finance/spend/expense-management/enterprise/index.md

**Standing:** SAP Concur leads with 66% of first choices; verdict clear leader. 38 first choices across the direct, paraphrase, budget and scale prompts.

## First-choice share

| Rank | Product | Share | Negative rate | Labels |
|---|---|---|---|---|
| 1 | [SAP Concur](https://www.gane.ai/index/finance/vendors/sap-concur/index.md) | 66% | 17% | 63 |
| 2 | [Ramp](https://www.gane.ai/index/finance/vendors/ramp/index.md) | 11% | 17% | 46 |
| 3 | [Emburse](https://www.gane.ai/index/finance/vendors/emburse/index.md) | 5% | 6% | 32 |
| 4 | [Brex](https://www.gane.ai/index/finance/vendors/brex/index.md) | 5% | 22% | 32 |
| 5 | [Expensify](https://www.gane.ai/index/finance/vendors/expensify/index.md) | 5% | 44% | 34 |
| 6 | [Navan](https://www.gane.ai/index/finance/vendors/navan/index.md) | 3% | 6% | 36 |
| 8 | [Zoho Expense](https://www.gane.ai/index/finance/vendors/zoho-expense/index.md) | 3% | 33% | 12 |
| 9 | [Coupa Expense Management](https://www.gane.ai/index/finance/vendors/coupa-expense-management/index.md) | 0% | 10% | 21 |
| 12 | [BILL Spend & Expense](https://www.gane.ai/index/finance/vendors/bill-spend-expense/index.md) | 0% | 27% | 15 |

Rank is by share of first choices among all 40 products named; products with the same share are tied, and the order among them carries no meaning. The table lists those with at least 10 labels.

## Each model's first choice on the direct prompt

- Claude Haiku 4.5: SAP Concur; alternatives Coupa Expense Management, Ramp
- GPT-5.4 mini: SAP Concur; alternatives Emburse
- Gemini 3.5 Flash: Brex, Ramp; alternatives Emburse, Navan, SAP Concur
- Perplexity Sonar: SAP Concur; alternatives ExpensePoint, Navan, Ramp
- Grok 4.20: SAP Concur; alternatives Coupa Expense Management, Emburse
- Mistral Small: SAP Concur; alternatives Coupa Expense Management, Rippling Spend
- DeepSeek V4 Flash: SAP Concur; alternatives Emburse, Navan, Payhawk, Ramp
- Llama 4 Maverick: SAP Concur; alternatives Rippling Spend
- Qwen 3.7 Flash: SAP Concur; alternatives BILL Spend & Expense, Coupa Expense Management, Expensify, Rippling Spend
- Kimi K2: Emburse, SAP Concur; alternatives Brex, Navan, Ramp
- GLM 4.7 FlashX: SAP Concur; alternatives Airwallex, Coupa Expense Management, Emburse, Fyle
- MiniMax M2.5: SAP Concur; alternatives Brex, Navan, Ramp

## Sources the answers cite

69 of 72 answers came back with a source list, from 12 of 12 models. Sites named in the most answers:

- gartner.com: 44 answers, 54 citations
- concur.com: 37 answers, 57 citations
- airwallex.com: 32 answers, 36 citations
- ofx.com: 31 answers, 33 citations
- navan.com: 30 answers, 35 citations
- learn.g2.com: 29 answers, 40 citations
- ramp.com: 25 answers, 36 citations
- spendesk.com: 24 answers, 24 citations

Pages named in the most answers:

- https://gartner.com/reviews/market/expense-management-software (43 answers)
- https://ofx.com/en-us/blog/best-expense-management-software-solutions (31 answers)
- https://learn.g2.com/best-expense-management-software (28 answers)
- https://spendesk.com/blog/best-expense-management-software (24 answers)
- https://concur.com/blog/article/best-expense-management-software-comparison (20 answers)
- https://airwallex.com/en-us/blog/best-expense-management-software (16 answers)
- https://darwinbox.com/blog/8-best-employee-expense-management-software-enterprises (15 answers)
- https://bill.com/blog/best-expense-management-software (14 answers)
- https://navan.com/blog/enterprise-expense-management-software (14 answers)
- https://emburse.com/resources/best-spend-management-platforms (13 answers)

## Warned against

- Expensify: 15 of 34 labels negative. "Tools to Avoid for Large Enterprises ### 1. Expensify - Hard limit: Does not support organizations with 1,000+ employees" (Kimi K2, negative prompt)
- SAP Concur: 11 of 63 labels negative. "Avoid SAP Concur and per-report tools for this specific requirement" (DeepSeek V4 Flash, budget prompt)
- Brex: 7 of 32 labels negative. "Cautions: Limited advanced accounting/complex approvals for very large orgs (e.g., Brex cons: lacks depth for intricate needs" (Grok 4.20, negative prompt)
- BILL Spend & Expense: 4 of 15 labels negative. "SMB-focused: Designed for small to midsize businesses, not enterprise-scale" (Kimi K2, negative prompt)

## Record

- Method: https://www.gane.ai/index/finance/methodology
- License: CC BY 4.0. Cite as Gane Index, September 2026 Edition, www.gane.ai/index/finance.