Insights 7. June 2022

How to solve today’s spend management challenges 

The pandemic forced us to accelerate the way we think about payments, but how do we ensure the future of payments and expenses? What are the main challenges that companies are facing right now? 

The pandemic forced us to change our habits, it made us go digital, we shopped more than ever online, we installed tools to handle online meetings, project management and team communication, but financial processes seem to be the last priority to be updated and go fully digital. Maybe because of ideas of how difficult it could be, maybe because of lack of resources or maybe even because companies are unaware of how to do it. 

How do we help companies that already have a bank that they are satisfied with? 

For Cardlay, our main vision has always been to make life easier for financial institutions that serve both SMEs and large corporations to handle cards, payments and expenses in a smooth, easy and secure way. 

The process of handling payments and expenses must be effortless and integrated, no one wants to log in to 3-4 different accounts and systems to handle your payments and expenses. 

By going fully digital with both payments and expense handling, we can solve many of the challenges that companies are facing, especially when it comes to handling and controlling company spend. 

The pandemic forced new habits and employer demands

Among other things the pandemic forced us to, we saw a tendency of companies distributing the responsibility of buying on behalf of the company to more employees, e.g. to buy home office equipment. We have seen great benefits of a hybrid way of working, increased productivity, health benefits and work/life balances, but it definitely also requires companies to enhance their control of their spend.  

Go digital and virtual

So when it comes to the question of virtual cards and why we really need them, it’s not only because of the obvious environmental impact, but it is definitely also because of the way companies can control their spend upfront in a whole new way. 

Virtual cards solve the exact same things as a physical card would do, but besides that it also solves: 

Cardlay is the first to offer spend management solutions to financial institutions that serve both SMEs and large - why we can service the financial institutions full portfolio.

We look forward to meet a lot of our partners at Money 20/20 

We are very excited to announce that Cardlay will be exhibiting at Money20/20 Europe, June 7th - June 9th. 

Stop by our stand C10 to learn about our next-gen spend management solutions for financial institutions serving both SMEs and large. 

Cardlay will be in Amsterdam both before and after the show, so if another location or time works better for you, just let us know. 

Learn more about who you can meet from Cardlay here

Come by our stand C10 or schedule a meeting with us by writing an email to 

Secure your pass for Money2020 here, don't forget to use discount code "200CAR" to get €200 off.


How can Fintechs and Corporate Card Issuers work together in a smooth and effective way? Download our playbook to find out!

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  • Control company spending upfront

  • No subscription or set-up fees

  • PCI-DSS compliant