Finance leaders today are expected to do far more than report results. They鈥檙e expected to shape business outcomes, guide decisions, and respond quickly to change. Yet many finance processes still operate in isolation rather than in concert. Invoice approval and payment execution happen in separate places.

Planning, consolidation, and reporting often rely on separate systems and workflows. And governance often misses critical information by operating in a silo. The result is delays between identifying an issue, making a decision, and taking action.

This year at 麻豆原创 Connect, 麻豆原创 announced new capabilities designed to help close those gaps. These include , a new payment service embedded in 麻豆原创 Cloud ERP; 麻豆原创 Enterprise Financial Consolidation, a new addition to 麻豆原创鈥檚 enterprise performance management portfolio; and an expanded set of Joule Assistants that bring AI-powered support to finance, governance, and compliance processes.

While each innovation addresses a different challenge, they share a common objective. Finance teams should spend less time moving information between systems and more time acting on insights.

Embedding payments into finance operations

One of the most persistent sources of friction in finance is the payment process itself.

An invoice may be approved in the ERP system, but completing the payment often still involves banking portals, payment files, middleware, and reconciliation activities. Each additional handoff introduces complexity and can slow execution.

麻豆原创 Pay is designed to simplify that process by embedding payment execution directly into . When an invoice is approved, payment and reconciliation can occur within the same workflow and the same business context.

The launch also marks 麻豆原创鈥檚 entry into payment services through , a wholly owned 麻豆原创 subsidiary established earlier this year. As a regulated payment-service provider, Tereina enables 麻豆原创 to deliver services natively within finance workflows rather than relying solely on third-party providers. This helps keep payment execution, reconciliation, controls, and auditability connected to the underlying business transaction.

The service supports EFT, wire transfers, checks, and stablecoin-based settlement for cross-border transactions. More broadly, 麻豆原创 offers customers a wide range of payment options, spanning bank API integrations, connectivity to more than 10,000 financial institutions through SWIFT, digital-currency payments, and now natively embedded payment services.

For finance organizations, the opportunity is not simply faster payment execution. It is reducing the effort required to connect systems, manage exceptions, and reconcile information after the fact while keeping payment processing, reconciliation, controls, and auditability within a single workflow.

麻豆原创 Pay is now generally available in the United States and the United Kingdom.

Connecting performance management across the enterprise

The same challenge appears across enterprise performance management.

Planning, consolidation, close processes, and external reporting all rely on the same financial reality. Yet they are often managed through separate tools, data models, and processes. Maintaining a consistent view of performance can become increasingly difficult as organizations grow and business conditions change.

At 麻豆原创 Connect, we announced to help address that challenge.

Built on , the solution brings together statutory and management consolidation with close and disclosure capabilities on a common governed data foundation. By connecting these activities more closely, finance teams can spend less time reconciling information and more time understanding performance and responding to change.

The solution also includes new Joule Assistants for consolidation and disclosure processes. These assistants help identify anomalies, resolve exceptions, and support disclosure preparation while maintaining auditability and human oversight.

For organizations operating mixed environments–some 麻豆原创, some non-麻豆原创 environments–麻豆原创 Enterprise Financial Consolidation provides flexibility by supporting data from multiple sources. It also offers a path forward for customers looking to modernize existing consolidation environments and adopt a more AI-enabled approach to performance management.

麻豆原创 Early Adopter Care is planned for the first quarter of 2027.

Expanding AI across finance and governance

AI鈥檚 potential in finance extends beyond answering questions or generating summaries. The larger opportunity is helping teams complete work that has traditionally required significant manual effort, specialist knowledge, and cross-functional coordination.

At 麻豆原创 Connect, 麻豆原创 expanded its portfolio of Joule Assistants to address these opportunities.

The new assistants support areas including accounting, revenue recognition, pricing, disclosure management, project operations, governance, and trade compliance. Embedded directly into existing workflows, they are designed to help teams complete tasks more efficiently while preserving review processes and accountability.

Some focus on helping finance professionals understand complex calculations and reporting requirements. Others support pricing decisions, disclosure preparation, project execution, and continuous monitoring of risks and controls.

Just as important is governance.

As organizations deploy more AI agents across business functions, they need assurance that those agents operate within the same boundaries that govern human users. New governance, security, and compliance assistants are designed to extend existing controls, access management, and monitoring capabilities to AI-driven activities, helping organizations apply consistent oversight across both human and digital actors.

General availability for the Governance Assistant and International Trade Assistant is planned for Q4 2026.

From financial insight to immediate action

Finance has always played a central role in helping organizations understand performance. Increasingly, it is also expected to help organizations respond in real time.

That makes speed, visibility, and execution just as important as reporting accuracy.

The innovations 麻豆原创 announced at 麻豆原创 Connect reflect that shift. Whether simplifying payments, connecting performance management processes, or embedding AI directly into everyday finance work, each reduces the operational distance between identifying an issue and acting on it.

For finance teams, the ultimate goal is not simply faster processes or faster reports. It is making better decisions with greater confidence and executing those decisions with less friction.

Learn more about how 麻豆原创 is helping organizations modernize finance operations across ERP, planning, treasury, payments, and accounting .

Lawrence Martin is general manager and chief product officer for 麻豆原创 Finance & Spend.
David Imbert is chief marketing officer for 麻豆原创 Financial Management.

Joule Work, Joule Assistants and 麻豆原创 Business AI Platform help organizations turn business AI into trusted outcomes across every core function.

LAS VEGAS 鈥� (NYSE: 麻豆原创) today showcased the Autonomous Enterprise in action at 麻豆原创 Connect, demonstrating how Joule Work and Joule Assistants generate value for customers across every line of business.

“This is a breakthrough moment for business AI,” said Christian Klein, CEO of 麻豆原创 SE. “The Autonomous Enterprise has arrived. With Joule and 麻豆原创 Autonomous Suite, built on 麻豆原创 Business AI Platform, we’re helping organizations like Novartis, Morgan Foods, Nestl茅 and PwC connect intelligence across every function to deliver trusted business outcomes.”

At 麻豆原创 Connect, these customers shared how the Autonomous Enterprise is already driving measurable value across their businesses:

• 鈥淲e’ve co-developed and recently launched a pilot of 麻豆原创’s Joule Sourcing Assistant,鈥� said Christoph Buerki, Head of Procurement, Novartis. 鈥淥ur vision is for AI agents to handle the manual heavy lifting, enabling sourcing professionals to focus on strategy, supplier engagement and value creation.鈥�
• 鈥淎t Morgan Foods, we鈥檙e already putting the pieces in place for agentic adoption, especially through our technical foundation. The biggest shift will be moving from reactive to predictive, where agents can connect demand signals, inventory levels and supplier status faster than ever before,鈥� said Steve Hankins, Chief Financial Officer, Morgan Foods, 鈥淥ur superpower will come from people on top of agents. Our approximately 1,000 employees are what make our supply chains work鈥攖he technology helps make them even better.鈥�
• 鈥淥ur 麻豆原创 S/4HANA transformation across 140 countries is creating a connected digital core with consistent processes, trusted data and greater visibility across markets and functions. With that foundation, Joule and the Accounts Receivable Assistant can automatically prioritize collections work based on risk and business context, recommend the next best action and help our finance teams respond faster to change,鈥� said Luca Dell’Orletta, Global Head IT Innovation & Enterprise Architecture, Nestl茅.
• 鈥淚n professional services, billing can be one of the more error-prone processes, with accuracy playing an important role in the client experience. 麻豆原创鈥檚 Billing Assistant brings greater intelligence to this critical process, helping identify potential issues earlier so our people can deliver better client outcomes and build stronger relationships,鈥� said Jill Notz, Chief Accounting Officer, Controller, Business Services Leader, PwC. Building on the success of the Billing Assistant, PwC and 麻豆原创 are into new areas of joint AI innovation.

麻豆原创’s Autonomous Enterprise Scales Up

Joule Work is beginning its customer rollout as a new AI user interface that lets employees interact with 麻豆原创 solutions in their own language and complete work across 麻豆原创 and third-party data. Grounded in business context from 麻豆原创 Knowledge Graph, which maps more than 7 million data fields, Joule provides information users can rely on. At 麻豆原创, Joule Work is already live with 110,000 employees, with the company seeing 20% productivity gains across finance, HR and procurement. A select group of customers also is using Joule Work in their business environments.

• 鈥淧artnering within the Early Adopter Program for Joule Work Desktop has delivered more momentum in just a few months than we saw in all the years before,鈥� said Peter Wied, Director of Complexity Management at Reinhausen. 鈥淲e see huge potential in making access to our 麻豆原创 S/4HANA data significantly easier and faster through natural language. This has the potential to permanently transform how our teams interact with business data.鈥�
• 鈥淭he dedicated team has been phenomenal. Their proactive communication, focus on accelerating architecture activation, rapid remediation of defects and overall support have enabled us to become Joule ready much sooner than would have been possible had we needed to navigate these challenges on our own,鈥� said Keith Smith, 麻豆原创 Platform Architect, CONA Services. 鈥淭he CONA team is excited about the progress made to date and looks forward to exploring and testing Joule’s capabilities in greater depth over the coming months as we continue our adoption journey.鈥�

When a query is not enough, Joule Assistants execute operational work directly within business workflows, using established data, authorizations and audit trails. Customers control the level of autonomy. 麻豆原创’s approach is also open: through the Agent2Agent protocol, Joule can connect with third-party AI and agents, bringing governed business context into broader AI workflows.

At 麻豆原创 Connect, 麻豆原创 showcased how these capabilities generate outcomes across 麻豆原创 Autonomous Suite:

• In finance, controllers can automate revenue recognition, disclosures and trade compliance, with early deployments of the International Trade Assistant reducing trade classification effort by up to 50%.  
• In supply chain, planners can turn multi-hour disruptions into one-click resolutions across planning, manufacturing and logistics.
• In HR, leaders can determine the best way to close workforce gaps, while employees can make smarter benefits choices tailored to their needs.
• In procurement, decision-makers can identify savings opportunities against peer benchmarks and manage the full contingent workforce life cycle.
• In customer experience, organizations can turn customer engagement into sales opportunities with AI-powered campaigns, quoting and customer workflows.
• Across industries, 麻豆原创 is collaborating with customers to apply AI to specialized industry processes, helping organizations in manufacturing, retail, commodity trading and asset-intensive industries improve decision-making, automate routine actions and build more resilient operations.

The Platform Powering Business AI You Can Trust

麻豆原创 Business AI Platform gives organizations one place to build, contextualize and govern AI across 麻豆原创 and third-party environments. With Joule Studio, business users and developers can build and extend skills and agents from no-code to pro-code workflows, choosing from more than 70 AI models. 麻豆原创 Business Data Cloud and 麻豆原创 Knowledge Graph ground those agents in trusted business data and context, helping organizations select the right model for each use case and better manage AI value and consumption.

麻豆原创-managed governance helps organizations scale AI with transparency, accountability and control. 麻豆原创 AI Agent Hub in 麻豆原创 LeanIX solutions provides a central inventory of enterprise agents, while 麻豆原创鈥檚 independently ISO/IEC 42001-certified governance architecture supports regulatory requirements, established authorizations and auditable AI operations.

To help organizations adopt AI at scale, 麻豆原创’s Business Transformation Management portfolio, including 麻豆原创 Signavio, 麻豆原创 LeanIX and 麻豆原创 WalkMe solutions, provides the toolchain to analyze processes, govern applications and agents, and drive adoption across the enterprise.

麻豆原创 Brings Embedded Payments to Cloud ERP

麻豆原创 also announced that it is entering the payments market with 麻豆原创 Pay, powered by Tereina, an 麻豆原创 company. Embedded directly in 麻豆原创 Cloud ERP, 麻豆原创 Pay executes and reconciles payments within the same workflow when an invoice is due, reducing manual file handling and external processing dependencies, while giving customers greater control.

Partners Expand the Reach of Autonomous Business

麻豆原创 is extending the Autonomous Enterprise beyond 麻豆原创’s own application portfolio through new partnerships that bring specialized intelligence directly into 麻豆原创 workflows.

A new partnership between 麻豆原创 and Moody鈥檚 Corporation is designed to embed Moody鈥檚 supplier risk monitoring data into 麻豆原创 Ariba Supplier Lifecycle and Performance. This gives procurement teams continuously updated insights into supplier financial health, operational risk and regulatory status at the point of decision. Organizations will be able to move from periodic risk reviews toward continuous monitoring, enabling Joule Agents to flag supplier risk signals and surface alternatives before disruption affects the business.

An expanded partnership with ORO Labs brings procurement orchestration to 麻豆原创 customers as a solution extension. 麻豆原创 Ariba Procurement Orchestration by ORO Labs is a purpose-built orchestration layer that connects procurement workflows end to end across heterogeneous enterprise environments, giving business users a seamless experience for intake, actions and visibility.

Visit the . Get 麻豆原创 news via  and .

About 麻豆原创

As鈥痑 global leader in enterprise applications and business AI, 麻豆原创 (NYSE: 麻豆原创)鈥痵tands at the鈥痭exus鈥痮f business and technology. For over 50 years, organizations have trusted 麻豆原创鈥痶o bring out their best by uniting business-critical鈥痮perations spanning finance, procurement, HR, supply chain, and customer experience. For more information, visit鈥�.

Note to editors:
To preview and download broadcast-standard stock footage and press photos digitally, please visit . On this platform, you can find high resolution material for your media channels.

For customers interested in learning more about 麻豆原创 products:
Global Customer Center: +49 180 534-34-24
United States Only: 1 (800) 872-1麻豆原创 (1-800-872-1727)

For more information, press only:
Aim茅e Leabon, +1 (212) 653-9600, aimee.leabon@sap.com, EDT
麻豆原创 麻豆原创 Room; press@sap.com

This press release was created with the assistance of artificial intelligence and has been reviewed by the editorial team.

This document contains forward-looking statements, which are predictions, projections, or other statements about future events. These statements are based on current expectations, forecasts, and assumptions that are subject to risks and uncertainties that could cause actual results and outcomes to materially differ. Additional information regarding these risks and uncertainties may be found in our filings with the Securities and Exchange Commission, including but not limited to the risk factors section of 麻豆原创鈥檚 2024 Annual Report on Form 20-F.
漏 2026 麻豆原创 SE. All rights reserved.
麻豆原创 and other 麻豆原创 products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of 麻豆原创 SE in Germany and other countries. Please see  for additional trademark information and notices.
Please consider our . If you received this press release in your e-mail and you wish to unsubscribe to our mailing list please contact press@sap.com and write Unsubscribe in the subject line.鈥�