🔥 New Report: Spend Management in the Intelligence Age — Your Guide to the Technology Changing How Finance Teams Work 🔥 🔥 New Report: Spend Management in the Intelligence Age — Your Guide to the Technology Changing How Finance Teams Work 🔥

Spend Management for Financial Services

Yokoy automates all accounts payable processes for Financial services companies, providing detailed cost insights while ensuring full compliance.
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ISO 27001, ISO 9001, and ISO 14001 certified. GDPR compliant.

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Full control and regulatory compliance

Bring your invoices, expenses, and corporate card payments into one central platform, powered by AI.

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Real-time control

Keep spend under control, analyze spending patterns across departments, and forecast accurately with real-time data insights and reporting.

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End-to-end automation

Remove manual tasks and speed up processing times for expenses, card transactions, and invoices with custom workflows and end-to-end automation.

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Built-in compliance

Automatically enforce compliance with company policies, tax regulations, and international laws through built-in controls and pre-approval flows.  

Reduce risks and combat fraud

Stay compliant with local and international regulations and manage risks in real time. Through AI-powered automation, Yokoy sets and enforces policies, flagging outliers, and helping you combat fraud.

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Streamline operations

Reduce complexity, streamline operations and ensure governance through seamless integrations,  custom workflows, and automated pre-approval flows.

Optimize your spend

Get the full picture of your spending, analyze patterns and trends, and spot outliers in real time. Bring all your spend data into one platform to gain insights, find cost saving opportunities, and make better financial decisions. 

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Simplify card administration

Order corporate cards on the go, adjust limits and freeze cards directly from the app, set employee-specific card limits to enforce compliance, and minimize out-of-pocket payments to control spend.

What our customers say

4.5 based on 124 reviews
☆☆☆☆☆ 4.5/5
Raphael WidmerCFO, Stadler Rail
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"At Stadler Rail, we’ve automated our global expense management process with Yokoy. This means Yokoy’s Artificial Intelligence does the repetitive work for us and we only check outliers and exceptions manually, which saves us time and money."
Enver SirucicCFO BAWAG Group
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"Yokoy stands out as a visionary company that offers a truly unique solution. Their customer success team has played a pivotal role in automating our spend management processes."
Christoph KühneGroup Finance, On
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"Yokoy has played a pivotal role in revolutionizing our expense management as we experience rapid global growth. The automation rate of nearly 90% is impressive, allowing us to handle a vast number of expenses with ease and export them within a day."
Christoph JennyCo-founder, Planted
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"A corporate card should be secure and uncomplicated - and this is exactly what the Yokoy Mastercard offers. In addition, the card is smart, saving us significant time."
Yvonne GrossVP of Finance & Operations, Daedalean
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"Yokoy and Travelperk helped us with end-to-end travel expense management automation. Now employees easily book trips in TravelPerk, and all data is sent to Yokoy in real time, with all compliance checks and VAT validation already in place."
Marianne SchluepHead of Finance and Accounting, Fenaco
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"With Yokoy, we have opted for a uniform and group-wide expense management solution that unifies our different expense processes on one platform and automates them across organizations. This guarantees company-wide compliance and increased efficiency."
Michael Kultscher-BurgerTeamlead Accounts Payable & Receivable, DO & CO
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"One unified process for the entire DO & CO Group. Yokoy enables us to collaborate optimally across all locations and entities."
Peter GrausgruberFormer CFO, Bitpanda
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"For the long term, we are interested in an all-in-one solution that covers all spend processes in the company. With Yokoy, we have the perfect solution for that."
Mirko BrudermannCFO, FC Basel
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"The expense process before Yokoy was extremely laborious. It's great to have a solution with which we can record and submit expenses anytime and anywhere."
Tania ThiebachFormer CFO, Sherpany
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"Before Yokoy, our expense process was mostly manual and time consuming. Now, we've standardized and streamlined it. The AI magic is truly doing most of the work."
Vivian MohrFormer CFO, Comparis
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"Yokoy is very easy to use, which saves us time and makes it efficient. The connection to the ERP works smoothly and provides real-time data for credit card transactions."
Benjamin KasumiSAP Consultant, Bawag
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"With their guidance and automation capabilities, we streamlined our finance processes, resulting in a remarkable 70% faster book closure. Yokoy has truly transformed our financial management, and we couldn’t be happier with the results.”
Ebru AricanFormer Head of Group Controlling & Accounting, Ameropa
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"We were impressed by Yokoy’s ease of use and seamless integration with our credit card provider."
Herbert SablotnyCFO, Beekeeper
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"We had an aha-moment when we realized that with Yokoy it only takes a few seconds to create a report compared to the many hours in the past."
Rafael SayaSenior Finance Manager, ITA
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"Before, when a receipt was missing, our Finance team had to chase after it. Now, it's Yokoy doing it automatically - pre-filling all the information with high accuracy."
Nilgün Kilit Former Team Lead Accounting and Patient Billing, Bellikon Rehabilitation Clinic
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"We had the Yokoy software demonstrated to us and it was clear that we had to have it. This is how software has to be today, as intuitive as a smartphone app."
Marcel P. de BoniManaging Director, ECOVIS
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"We’ve tested other expense tools before, but Yokoy represents a new level of automation thanks to the tool’s artificial intelligence and well-designed interface."
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Main features

Get to know our spend management solution.

AI-based automation

Eliminate manual work from your T&E and AP processes. Yokoy’s AI captures, extracts, validates, and approves employee expense and supplier invoices automatically.

End-to-end automation​

Improve efficiency with AI automation and streamline operations by bringing all your processes into one central platform, fully integrated into your tech stack.

Custom approval flows​

Map out your end-to-end approval workflows, customize them per entity, and define how exceptions should be handled, to reach full spend management automation.

Built-in compliance​

Prevent overspending and fraud and ensure compliance with company policies and country-specific regulations through built-in rules and pre-approval flows.

Real-time reporting​

Track expenses as they happen, extract spending patterns and insights from your analytics dashboards, and gain real-time visibility into your spending for accurate forecasts.

Simple audit trails

Detect errors and fraud with ease and ensure accurate audit trails by safely storing all your expense receipts, card transaction history, and vendor invoices in the Yokoy platform.

Multi entity support

Streamline complex AP and T&E processes across entities and subsidiaries, and standardize your workflows for increased efficiency and control with a central spend management platform. 

World-class service and support

Get answers to your questions right away, troubleshoot issues with help from our experts, and improve your knowledge with in-depth live and self-guided Academy trainings.

Streamline your
IT landscape

Yokoy’s API facilitates seamless integrations with enterprise-level systems for end-to-end automation across entities and geographies.

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Stay safe, with the highest security standards

Yokoy is engineered for security and committed to information protection. We are ISO 9001, ISO 14001, ISO 27001, and GoBD compliant, as well as GDPR certified. 

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Simplify your invoice management

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The Yokoy impact

See how we contribute to our customers’ success stories.

Frequently asked questions

Yes, you can buy each Yokoy module separately. However, using the full suite provides greater benefits, as you can manage your expenses, invoices, and card payments in one central platform, and you can reduce system and data silos by simplifying ERP integrations.

Yes, Yokoy integrates with more than 50 solutions, automating your entire spend management process from end to end. At the same time, our API makes it easy to build custom integrations, if you can’t find what you’re looking for. Check our Integrations page for more details.

Yes, although we serve both midsize and large customers, Yokoy’s added value is best experience by global enterprise customers. Our suite is built for complex, global multi-entity configurations, and integrates with most enterprise ERP & HRM tools such as SAP R3/S4 and Successfactors, among others.

This depends on your IT landscape and the required configurations and integrations. For example, a global implementation with 2 legal entities, an ERP system integration, credit card integrations, and SSO setup takes about 2 months. The projects are carried out either by the Yokoy Services team or a certified Implementation Partner.

Yes, our Implementation team will lead the project from planning to implementation and testing, and will coordinate training workshops for your team. Global enterprise customers benefit from a dedicated Key Account Manager and financial process consulting from our in-house finance experts.

We use modern data encryption standards for both stored data and data in transit. Additionally, we work with external penetration testers (hackers) to constantly challenge our platform’s vulnerabilities. We adhere to local regulations such as GDPR in the EU or the Swiss Data Protection Act, to deliver the best data protection standards.

Given that no two setups are the same, we’ll discuss your specific needs during the sales process, and provide you with a tailored offer that ensures you’ll get the most out of our spend management suite.

See spend management in action

Gain full visibility and control over your business spend with AI-powered automation.

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