AI Indexes
Finance AI Index
Index › Function 03 of 6 · October 2026 Edition
October 2026 Edition

Spend and procurement

Money going out: expenses, cards, spend management, payables, procurement, sourcing, suppliers, travel and contractor payments. 10 of 12 categories scored, 2 planned.

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Standing in spend and procurement

First-choice share across the direct, paraphrase, budget and scale prompts, all fourteen models, for the ten spend and procurement categories scored in the October 2026 Edition.
Spend and procurement
Corporate travel management
Small business and mid-market share a leader. Enterprise differs.
NavanClear leader
SMB
37%▲+4Since September 2026: 33% → 36%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Mid-market
53%=heldSince September 2026: 51% → 51%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
SAP ConcurClear leader
Enterprise
46%=heldSince September 2026: 48% → 48%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Spend and procurement
Corporate cards
One leader in all three segments
RampClear leader
SMB
68%▼−9Since September 2026: 74% → 65%, −9 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Mid-market
52%▼−21Since September 2026: 69% → 48%, −21 points. Past the 10-point floor: movement. Read over the models both editions asked.
Enterprise
34%▼−17Since September 2026: 51% → 34%, −17 points. Past the 10-point floor: movement. Read over the models both editions asked.
Spend and procurement
Spend management platforms
Small business and mid-market share a leader. Enterprise differs.
RampClear leader
SMB
58%▲+2Since September 2026: 51% → 53%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Mid-market
44%▼−6Since September 2026: 49% → 43%, −6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
CoupaClear leader
Enterprise
56%▲+1Since September 2026: 54% → 55%, +1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.
Spend and procurement
Procure-to-pay
A different leader in every segment
PrecoroContested
SMB
28%↗new leaderNew leader since September 2026: Precoro (28%) replaces Ramp (27% then, 17% now), 11 points clear, past the 10-point floor.
ProcurifyClear leader
Mid-market
42%▼−3Since September 2026: 45% → 42%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
CoupaClear leader
Enterprise
43%▼−1Since September 2026: 42% → 41%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.
Spend and procurement
Expense management
A different leader in every segment
Zoho ExpenseContested
SMB
37%=heldSince September 2026: 36% → 36%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
RampContested
Mid-market
35%▼−1Since September 2026: 34% → 33%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.
SAP ConcurClear leader
Enterprise
68%▲+5Since September 2026: 66% → 71%, +5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Spend and procurement
Accounts payable automation
A different leader in every segment
BILL Accounts PayableClear leader
SMB
41%▲+3Since September 2026: 41% → 44%, +3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Ramp tiedContested
Mid-market
22%↗new leaderNew leader since September 2026: Ramp (22%) replaces Stampli (19% then, 20% now), 2 points clear, inside the 10-point floor.
CoupaContested
Enterprise
20%▲+2Since September 2026: 18% → 19%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Spend and procurement
Contractor payments
Mid-market and enterprise share a leader. Small business differs.
GustoClear leader
SMB
42%▼−15Since September 2026: 59% → 43%, −15 points. Past the 10-point floor: movement. Read over the models both editions asked.
TipaltiContested
Mid-market
22%▼−5Since September 2026: 27% → 23%, −5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Enterprise
25%▲+3Since September 2026: 24% → 27%, +3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Spend and procurement
Telecom expense management
Small business and mid-market share a leader. Enterprise differs.
GenuityContested
SMB
36%
Mid-market
19%
Tangoe One TelecomClear leader
Enterprise
42%
Spend and procurement
Strategic sourcing
A different leader in every segment
TradogramContested
SMB
31%▼−9Since September 2026: 45% → 35%, −9 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
obolooContested
Mid-market
15%▼−3Since September 2026: 17% → 14%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
SAP AribaContested
Enterprise
36%↗new leaderNew leader since September 2026: SAP Ariba (37%) replaces Coupa (35% then, 28% now), 9 points clear, inside the 10-point floor.
Spend and procurement
Supplier management
Small business and mid-market share a leader. Enterprise differs.
Precoro tiedContested
SMB
27%▼−12Since September 2026: 40% → 28%, −12 points. Past the 10-point floor: movement. Read over the models both editions asked.
Mid-market
14%↗new leaderNew leader since September 2026: Precoro (14%) replaces Procurify (26% then, 12% now), 2 points clear, inside the 10-point floor.
SAP AribaContested
Enterprise
35%▼−2Since September 2026: 40% → 37%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.

Next in spend and procurement

Planned categories are in the build queue and are scored exactly like every other.
Procurement analytics plannedPurchasing cards and virtual cards planned
All 57 categoriesSubscribe to the index