Spend Management for Financial services
Yokoy automates all accounts payable processes for Financial services companies, providing detailed cost insights while ensuring full compliance.

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

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

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.

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.


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.


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
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.


Stay safe, with the highest security standards
Yokoy is engineered for security and committed to information protection. We are ISO 9001, ISO 14001, and ISO 27001 certified, and GoBD and GDPR compliant.
Simplify your spend management
The Yokoy impact
See how we contribute to our customers’ success stories.



Frequently asked questions
Yokoy Expense and Yokoy Invoice can be purchased separately, however Yokoy Pay is not available without also purchasing Yokoy Expense. 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 the number of legal entities, the required configurations and integrations, as well as the readiness and responsiveness of the customer project team. For example, a global implementation with 4 legal entities, an ERP system integration, credit card integrations, and SSO setup could take from 2 to 6 months, depending on the level of standardization, the IT landscape and on how quickly required information can be provided. The project scope and duration will be individually assessed with you, by our certified Implementation Partner or our Yokoy Services Team. You can read more here.
We work with a number of qualified and certified partners who 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 Customer Success Manager, and can have the option of engaging our in-house experts for best practice consulting.
Data protection is a top priority at Yokoy. Your data is encrypted both in transit i.e. from your device to Yokoy and at rest in the cloud with a 256Bit AES encryption. Our cloud data is stored exclusively in the EU (Frankfurt, and St. Ghislaine, Belgium). Information about the security of the Google Cloud Data Center can be found here and about the compliance standards we follow can be found here. Last but not least what we as Yokoy do for data security and data protection can be found here.
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. Request a quote here.
Let AI do the work
Gain full visibility and control over your business spend with AI-powered automation.