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SAP Business Suite for Spend Management
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Financial Services Industry at a Glance
The financial services sector is undergoing significant transformation, driven by fintech innovations and evolving consumer expectations for digital experiences. Financial institutions must innovate rapidly to stay competitive, while also managing costs and reducing risk across their supply chains. In APAC, countries like Singapore and Hong Kong are hubs for fintech innovation, pushing banks to adopt agile procurement strategies that support digital transformation. Effective procurement in this sector involves optimizing cost containment, enhancing profit margins, and ensuring a seamless customer experience. By leveraging digital technologies and strategic partnerships, financial services firms can navigate disruptions, improve operational efficiency, and meet shareholder demands for reduced costs and increased profitability.
Opportunities
46%
46% of the C-Suite identified monetary uncertainty as a primary risk for procurement to focus on and 73% identified cost savings as the primary driver of the increasing use of the external workforce.
65% identified geopolitical dynamics as the top risk area for procurement to focus on, but only 28% are highly confident in procurement ability to manage global risks and only 23% are highly confident in procurements ability to manage risk strategies for different categories.
65%
29%
29% identified digitalization as the primary value proposition for procurement. 61% identified Generative AI as the top technology trend to be piloted or implemented in next 18 months and 73% identified AI skills as the top skill sought for procurement over the next 18 months.
Source: Economist Impact study, The Resilient Edge – Procurement in an era of polycrisis
1.07 Days
Average Invoice Approval Cycle time
Best in Class Metrics*
Sourcing Savings Rate
Average Requisition to Order Cycle time
0.44 Days
22.7%
* SAP Customer Benchmarking program
Spend Management Solutions
SAP Fieldglass: Empowering Financial Institutions to Manage External Workforce with Confidence and Control
SAP Fieldglass empowers financial institutions to manage their external workforce and service providers with confidence, agility, and control. Designed for the highly regulated and fast-paced nature of the financial services industry, it delivers end-to-end visibility into contingent labor and services spend, ensures compliance with global and local regulations, and mitigates third-party risk through robust security and audit capabilities. With seamless access to specialized talent, rapid onboarding, and powerful analytics, SAP Fieldglass helps financial firms optimize workforce strategies, drive cost savings, and stay ahead in an increasingly competitive and compliance-driven landscape.
End-to-End Workforce Visibility
Gain complete control over contingent labor spend and external workforce management. SAP Fieldglass integrates data across departments and regions, improving coordination between internal teams, external vendors, and contractors. AI-powered dashboards deliver predictive insights to support more informed decision-making and workforce forecasting.
Regulatory Compliance
Ensure adherence to both global and local regulations, minimizing compliance risks. SAP Fieldglass automates documentation, audit trails, and worker classification, while embedded AI capabilities help detect potential compliance issues early reducing the risk of fines, co-employment violations, or reputational damage.
Third-Party Risk Mitigation
Protect against supplier-related risks with robust security and audit features. AI-driven risk scoring and pattern recognition help identify and flag non-compliant vendors or anomalies in supplier performance—strengthening third-party oversight and governance across complex service engagements.
Access to Specialized Talent
Quickly onboard and connect with top-tier external talent to meet evolving business needs. Intelligent resume recommendations match candidates to role requirements, accelerating the hiring process for critical roles in areas like cybersecurity, risk, audit, and compliance—where speed and precision are essential.
Data-Driven Decision-Making
Leverage powerful analytics to optimize workforce strategies and drive cost savings. Embedded AI uncovers trends in workforce usage, supplier efficiency, and spend categories, enabling procurement and HR leaders to continuously refine sourcing and engagement models.
Operational Efficiency
Streamline procurement processes with real-time insights and automated workflows. Joule for Fieldglass enables business users to quickly draft or update Statements of Work (SOWs) via conversational AI, while automated SOW translations ensure contract accuracy across jurisdictions—reducing delays and enhancing productivity in cross-border operations.
SAP Fieldglass is built to help financial institutions manage complexity at scale—balancing agility, risk, and compliance in every workforce decision
Spend Management Solutions
SAP Ariba for Financial Services: Smarter Sourcing with Supplier Lifecycle, Performance, Risk—and Joule
In the fast-moving, tightly regulated world of financial services, procurement must balance cost efficiency with governance, resilience, and speed. SAP Ariba, integrated with Supplier Lifecycle and Performance (SLP) and Supplier Risk , provides financial institutions with a powerful, unified platform to streamline supplier onboarding, automate compliance workflows, and proactively manage third-party risk. Now enhanced with Joule, SAP’s generative AI assistant, the platform enables users to interact naturally using plain language—simplifying complex processes, surfacing hidden insights, and accelerating decision-making. Procurement, compliance, and risk teams can now take intelligent action directly from where they work, reducing delays, improving accuracy, and driving enterprise-wide agility.
End-to-End Supplier Visibility
Consolidate supplier data—including onboarding status, qualifications, financials, ESG metrics, and risk ratings—into a single, centralized hub. With Joule, teams no longer need to dig through multiple systems. Using natural language processing, Joule instantly displays overall and category-specific risk exposure, including numerical scores and risk levels. This allows stakeholders to make confident, informed decisions about which suppliers to engage or escalate.
Proactive Risk Management
SAP Ariba continuously monitors third-party risk signals from selected sources. Joule empowers users to take immediate action when issues arise, providing a seamless user interface that allows end users to prompt Joule to provide and overview of the supplier profile and trigger a finding a finding process to flag and track supplier risk events across teams. This ensures financial services institutions remain ahead of disruptions and meet governance expectations.
Smarter, Risk-Aware Sourcing Decisions
Procurement teams can now leverage real-time performance data, risk scores, and policy compliance insights when evaluating suppliers for sourcing events. Joule enables smarter sourcing by recommending suppliers based on fit, flagging high-risk profiles, and even helping initiate workflows, such as initiating the onboarding process for a new supplier or due diligence workflow for an existing one and provides fast access to active assessments for stakeholder collaboration and risk review. These capabilities ensure every sourcing decision is grounded in real-time intelligence—not assumptions.
Built-In Compliance and Policy Enforcement
Automate compliance checks and policy enforcement to meet evolving regulatory and internal standards. With Joule, users can proactively check supplier compliance surfacing the status of mandatory fields, missing documentation, or overdue validations. This reduces the risk of audit failures, regulatory penalties, or reputational damage.
Improved Supplier Performance
Track supplier KPIs, SLAs, and performance metrics over time. Joule can deliver quick insights displaying historical trendlines and flagging underperformance on request using natural language processing. Procurement can use these insights to course-correct relationships, enforce accountability, or prioritize top-performing vendors during strategic sourcing.
Faster Time to Value Through Automation and Intelligence
SAP Ariba’s workflows reduce manual tasks, while Joule further accelerates time to value by enabling users to instantly query supplier data and sourcing status; launch sourcing or risk workflows without logging into multiple systems, summarize engagement or audit outcomes for reporting or stakeholder briefings
Together, they enable sourcing cycles to be executed with greater speed, transparency, and strategic intent.
Spend Management Solutions
Reimagining Spend Management for Financial Services with SAP Spend Control Tower
Today’s automated technologies generate enormous volumes of data — a potential goldmine of intelligence for financial institutions navigating market volatility, regulatory scrutiny, and increasing customer expectations. But merely collecting data doesn’t create value. What truly matters is the ability to rapidly convert multi-source datasets into actionable intelligence. That’s where SAP Spend Control Tower delivers unmatched value. Through consolidated dashboards, detailed reports, and AI-powered recommendations, SAP Spend Control Tower transforms fragmented procurement and spend data into insights that drive informed decisions. Whether it's cost control, risk mitigation, ESG tracking, or performance improvement, financial services organizations gain the clarity and agility needed to respond to a dynamic business landscape with speed and precision.
Harness Complete Visibility Across All Spend
In financial services — where transparency, compliance, and cost optimization are non-negotiable — having a complete, unified view of enterprise-wide spend is crucial. SAP Spend Control Tower enables financial organizations to access a single data lake that integrates seamlessly with both SAP and ERP systems. It allows teams to capture, merge, and harmonize data from SAP and non-SAP sources, delivering a consistent and holistic view of spend across the enterprise. By using pre-built automated connectors, organizations can significantly reduce the time and effort required to integrate and extract spend data in real time.
Leverage AI/ML-assisted Insights to Drive Action
Powered by SAP Business AI, Spend Control Tower empowers financial institutions to move from reactive to proactive decision-making. It intelligently classifies and analyzes spend data across disparate systems, uncovering opportunities for savings, reducing supplier risk, and improving control over tail spend. These AI-driven insights have demonstrated tangible results, including a 56% reduction in onboarding time for category managers by streamlining the development of procurement strategies across hundreds of categories. Additionally, sourcing events can be launched up to 50% faster, significantly improving procurement speed and efficiency. Cost efficiency is critical in financial institutions, and SAP Spend Control Tower helps achieve this by highlighting areas to consolidate spend and improve contract negotiations. With deep operational insights, institutions can also identify procurement behaviors that signal potential supply chain risks, enabling early intervention. The platform also supports ESG and sustainability goals by tracking relevant metrics across suppliers, helping align procurement with broader corporate responsibility and investment mandates. SAP Spend Control Tower provides financial institutions with the transparency needed for regulatory confidence, the intelligence to drive smarter spend decisions, and the agility to respond quickly in a rapidly evolving market. By delivering actionable insights from a single source of truth, it enables procurement and finance teams to lead with confidence, control, and clarity.
Improving collaboration for a smarter, more agile supply chain
of organizations view a lack of visibility to see necessary changes in time to react to them effectively to be a challenge for their supply chain. 59% of organizations believe that a lack of effective collaboration with external suppliers is a significant impediment to better business performance. 43%
of organizations view collaboration as a work in progress. 75%
SAP Business Network Solutions
In a highly regulated and cost-sensitive industry, the SAP Business Network for Procurement helps financial institutions turn procurement into a strategic advantage through a connected, intelligent, and compliant supplier ecosystem. Smarter Supplier Discovery Access a global network of verified suppliers with profiles that include: Dun & Bradstreet data Certifications and sustainability ratings Risk and compliance information Quickly find and engage trusted partners while supporting ESG and regulatory goals. Real-Time Visibility & Auditability Gain end-to-end transparency with digital document exchange and auditable history, enabling secure, traceable transactions across the procurement lifecycle. Automated, Compliant Procurement Streamline indirect spend with: Configurable business rules PO and invoice collaboration Automated compliance checks Reduce errors, enforce policy, and cut operational costs. Built-In Risk and Supplier Management Assess supplier risk and track qualifications directly within trading partner profiles. Guide employees to preferred, low-risk suppliers through integration with SAP Ariba. ________________________________________ Purpose-Built for Financial Services With built-in compliance, real-time insights, and intelligent automation, SAP Business Network for Procurement helps financial services organizations: Strengthen third-party risk management Drive operational efficiency Ensure spend and regulatory compliance
Enabling Procurement Transformation with SAP® Ariba® Solutions and Personalized Support from SAP Preferred Success Services Before: Challenges and opportunities Strategic vision to automate procurement operations on advanced cloud-based technology using proven best practices Migration of existing processes Need for expert help to make the most of advanced technology by adopting new features as they become available Why SAP Long-established partnership with SAP and alignment with the cloud-first mindset SAP’s global leadership in supply chain management with SAP® Ariba® solutions, automating procurement processes Personalized training sessions offered by SAP Preferred Success services, designed to maximize business outcomes through better understanding of the solutions’ capabilities, features, and road map After: Value-driven results Automated procurement operations, simplifying business processes and improving data consistency, transparency, and business innovation capabilities Empowered users to take advantage of the software’s advanced functionality Reduced manual paperwork tasks across procurement activities Increased awareness and adoption of new features, enabling ongoing business improvements through innovative supply chain technology
Banco Mercantil del Norte S.A. (Banorte) Monterrey, Mexico www.banorte.com (Spanish)
Industry Banking
Products and services Checking and savings accounts, credit cards, investment funds, and insurance
Employees >30,000
“Thanks to SAP Preferred Success, we’ve configured supply chain management processes in line with best practices. We are now aware of and can adopt new releases for SAP Ariba solutions faster, helping us transform and optimize Banorte for banking in a digital world.”
Oscar Carbajal Bermudez, Director of Acquisitions and Projects, Banco Mercantil del Norte S.A. (Banorte)
~100% Resolved Of manual procurement processes eliminated
Legacy configuration issues, increasing support quality and response times
Revenue $9.2 billion (US$469 million)
Featured Solutions and Services SAP Ariba solutions and SAP Preferred Success, part of SAP Services and Support
THE BEST RUN
ThankYou
* Research documentation has been used from work commissioned by SAP Ariba and produced by Economist Impact
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