In an increasingly competitive business world, optimizing the management of corporate expenses has become a priority for companies. In this context, prepaid cards for companies not only represent an efficient solution, but also a new approach to understand and control decentralized expenses. How are companies configuring these tools?
Most used items
“When analyzing the data of the prepaid cards, trends arise about the items where companies concentrate their expenses: fuels, taxes and insurance (such as VTV, patent, public services), restaurants, parking lots and digital platforms (such as Trello, Slack, Google Cloud and Figma). These sectors reflect everyday, but also operational needs, to keep organizations functioning efficiently, ”says Luis Ariel Peralta Aliano, CCO de Kuru.
However, the average tickets point to less frequent areas but of greater impact: airlines ($ 210,000 per transaction, on cabotage flights), electronics ($ 155,000, for office items) and hotels ($ 140,000). These figures suggest that companies allocate significant investments to trips and technology, areas that often require additional supervision for their strategic implications.
The configuration as a control tool. One of the greatest learning by observing the implementation of approval rules is that The card configuration acts as an radiography of business priorities. Through attributes such as item, amounts and schedules, companies seek to limit the improper use of funds and optimize the budget.
1. Focus in the field: The attribute most used by companies is the item, which shows that the main fear lies in expenses out of allowed categories. For example, in the fuel, many companies establish a maximum per transaction of $ 45,000, a measure that avoids excesses and ensures functionality.
2. Budget Control: Other configurations include limit amounts per day, week or month. For example, a company could establish a weekly budget of $ 120,000 for fuels, leaving the collaborator the flexibility of distributing it according to their needs. Some companies combine both modalities, such as allowing a maximum of two fuel loads of $ 45,000 each per week.
3. Hour restrictions. Ias and per day: To minimize non -work expenses, many companies configure specific schedules for the use of cards, such as enabling them only from Monday to Friday at work schedules. This is key in companies with decentralized operations or differentiated shifts, where each equipment may require adapted rules.
Decentralized dynamics. Decentralized expenses represent a particular challenge. Items such as fuels, tolls, lunch and recurring subscriptions are usually decided in real time by collaborators, without prior planning. This is especially common in mass consumption companies, laboratories, distributors and maintenance signatures, where a large part of the staff operates outside the office.
“In these situations, we offer a robust solution that allows companies to maintain control without hindering operation. The platform combines advanced technology with an intuitive interface, facilitating both rules configuration and real -time monitoring. This ensures that each expense meets the established parameters and fits the needs of the moment, ”says Peralta Aliano.
Challenging contexts: Use of cash. In Argentina, companies must also adapt to the dynamics of local shops. Sectors such as mining, oil and agriculture usually operate in remote areas where cash use is more common. Therefore, a widely used attribute is cash extraction through cashiers (Banelco/Link) or Cashplus (shops that allow extracting cash when making a purchase).
In addition, the logistics of cash management in these industries presents additional challenges. Companies dedicated to activities in difficult access places must guarantee the availability of funds for unforeseen expenses, such as machinery repairs or the acquisition of local supplies. To address these challenges, many organizations implement daily or weekly reporting systems that include detailed documentation of each cash transaction, increasing transparency.
The use of cash remains a necessity. Although the cash cannot be regulated by item, schedule or amount, companies use specific attributes to limit the amount extracted by collaborator. In other words, on the one hand, in addition to configuring cash extraction, companies configure the amount of cash they want to let each collaborator extract, either by extraction, per day, per week or month. In addition, the integration of technologies such as WhatsApp to render expenses simplifies monitoring and reinforces transparency.
Impact of technology on business management. The adoption of efficient management tools of corporate funds not only responds to control demands, but also to the need to adapt to an environment where transparency is essential. This allows companies to address traditionally proactive problems, while preparing them for a more competitive and technological future.
In a country like Argentina, where economic and operational contexts are highly dynamic, having a solution like Kuru is a key advantage. The capacity of companies to configure their cards strategically not only optimizes resources, but also reinforces confidence in corporate management, making a difference in an increasingly demanding market.
by ma
