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From Cost Center to Control Tower: The Next-Gen T&E Maturity Model

Publisher IDC
Published Oct 07, 2025
Length 8 Pages
SKU # IDC20463550

Description

This IDC Perspective outlines five stages of T&E maturity, integrating AI (generative and agentic) and digital payments across technology, people, data, and governance. It's a road map to unlock strategic spend, enhance employee experience, and boost compliance."Modern T&E isn't just about automation; it's about leveraging generative AI and agentic AI alongside seamless digital payments. This maturity model provides a crucial road map for strategic financial transformation," said Kevin Permenter, senior research analyst, Financial Applications at IDC.

Table of Contents

8 Pages

Executive Snapshot

Situation Overview

The Starting Line: Why Automation Isn't Enough Anymore

Your Journey Ahead: The Five-Stage T&E Maturity Road Map

Stage 1: Building the Foundation (Foundational Automation)

Stage 2: Gaining Visibility (Enhanced Insights and Proactive Assistance)

Stage 3: Optimizing Experiences (Generative AI–Powered Optimization)

Stage 4: Driving Autonomy (Agentic AI–Driven Autonomy)

Stage 5: The Adaptive Enterprise (Cognitive and Adaptive Ecosystem)

Navigating the Road Map: How to Move Forward

Conclusion: The Future of T&E Is a Strategic Journey

Advice for the Technology Buyer

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