44% employees now handling expenses at work – Findity

An increasing proportion of employees are managing expenses on average across all markets, with 44% now handling expenses at work, research from Findity revealed.

In its latest ‘State of expense management report 2025’, Findity tracked the evolution of expense management across ten international markets.

Covering the Nordic countries (Sweden, Norway, Denmark, Finland), the UK, Germany, Netherlands, Spain, France and the US, the report compared data from 2022 and 2024, and revealed key trends shaping the expense management landscape.

This trend was observed across businesses of all sizes, highlighting broader organisational responsibility for expense tasks.

The most significant growth occurred within medium-sized businesses and large enterprises, indicating a notable shift even in organisations that traditionally had a more centralised approach.

Patrick Olsson, CEO at Findity, said: “Expense management is rapidly becoming a shared responsibility throughout organisations – not limited to finance departments or among a select few. 

“Businesses recognise the need for scalable, mobile-first solutions to streamline expense handling.”

Expense apps have seen consistent growth across all markets surveyed, increasing by an average of 5%, with some markets showing adoption increases of up to 8% to 9%.

Simultaneously, reliance on manual methods, such as pen and paper and spreadsheets, has declined by 5%, paving the way for digital solutions that better match today’s work environment.

Several markets historically reliant on manual processes have significantly reduced their use of traditional tools, creating clear opportunities for accelerated digital adoption.

The report highlighted three paths businesses are taking toward adopting expense apps.

In some markets, businesses move directly from manual tools to expense apps – bypassing traditional accounting or payroll systems.

Others take a gradual approach, using their existing accounting or payroll systems before transitioning to dedicated expense apps.

In some markets, both approaches are happening in parallel, showing that companies are moving toward digital expense management in different ways – but all in the same direction.