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Die tatsächlichen Zahlen kennt jedoch niemand. Bei Spendesk beschäftigen wir uns jeden Tag damit.",{"type":195,"attrs":297,"content":299},{"textAlign":25,"key":298},"p-2",[300,305,307,309,310],{"text":301,"type":201,"marks":302},"Unsere tägliche Arbeit bei Spendesk ermöglicht uns genau diesen Einblick: Über unsere Ausgabenmanagement-Plattform werden europaweit B2B-Zahlungen von mehr als 10 Mrd. Euro abgewickelt",[303],{"type":256,"attrs":304},{"color":258},{"text":306,"type":201},". Wir sehen nicht, was Unternehmen nach eigener Einschätzung für Software ausgeben, sondern was sie tatsächlich bezahlen, Monat für Monat und Tool für Tool. ",{"type":308},"hard_break",{"type":308},{"text":311,"type":201},"Dieser Report basiert auf zwölf Monaten realer Transaktionsdaten, darunter Rechnungen, Abonnements und Kartenzahlungen, von 2.500 sorgfältig ausgewählten und anonymisierten europäischen Unternehmen aus neun wichtigen Branchen und vier Unternehmensgrößen.",{"type":313,"attrs":314,"content":316},"heading",{"level":315,"textAlign":25},2,[317],{"text":318,"type":201},"Europas SaaS-Wildwuchs: Softwareverschwendung als Systemproblem",{"type":195,"attrs":320,"content":322},{"textAlign":25,"key":321},"p-3",[323],{"text":324,"type":201},"Europäische Unternehmen geben inzwischen durchschnittlich fast 250.000 Euro pro Jahr für Software aus. Diese Summe steigt seit Jahren, und außerhalb der Finanzabteilung musste sich bislang kaum jemand dafür rechtfertigen.",{"type":195,"attrs":326,"content":328},{"textAlign":25,"key":327},"p-4",[329,334,336,343],{"text":330,"type":201,"marks":331},"Ein Grund: Nachlässigkeit.",[332],{"type":256,"attrs":333},{"color":258},{"text":335,"type":201}," Externe Benchmarks, darunter der ",{"text":337,"type":201,"marks":338},"SaaS Management Index 2024 von Zylo",[339],{"type":179,"attrs":340},{"href":341,"uuid":25,"anchor":25,"target":342,"linktype":177},"https://zylo.com/news/2024-saas-management-index","_blank",{"text":344,"type":201},", zeigen, dass im Durchschnitt nur 49 Prozent der Lizenzen tatsächlich genutzt werden. Die Hälfte der Lizenzen, für die ein typisches Unternehmen bezahlt, bleibt Monat für Monat ungenutzt, weil niemand sie überprüft, neu zuweist oder überhaupt daran denkt, nachzusehen.",{"type":195,"attrs":346,"content":348},{"textAlign":25,"key":347},"p-5",[349,351,356,358],{"text":350,"type":201},"Der andere Teil betrifft die Preisgestaltung. Identische Software kostet Unternehmen gleicher Größe nicht zwangsläufig gleich viel. Hochgerechnet auf alle europäischen Unternehmen mit 50 bis 249 Beschäftigten entspricht diese Differenz rund sieben Mrd. Euro pro Jahr. ",{"text":352,"type":201,"marks":353},"Laut vorläufigen Eurostat-Daten für 2024 gibt es in der EU 250.670 Unternehmen mit 50 bis 249 Beschäftigten. ",[354],{"type":256,"attrs":355},{"color":258},{"text":357,"type":201},"Das ist die Gefahrenzone für Scale-ups: Die Zahl der Beschäftigten wächst schneller als die Disziplin im Einkauf. ",{"text":359,"type":201,"marks":360},"Ein Unternehmen kann mehr als 30 SaaS-Tools nutzen, ohne dass jemand für Preisverhandlungen mit auch nur einem Anbieter zuständig ist.",[361],{"type":256,"attrs":362},{"color":258},{"type":195,"attrs":364,"content":366},{"textAlign":25,"key":365},"p-6",[367,372,374],{"text":368,"type":201,"marks":369},"Hinzu kommen die Kosten für doppelte Tools.",[370],{"type":256,"attrs":371},{"color":258},{"text":373,"type":201}," Die meisten Unternehmen, die KI-Tools nutzen, bezahlen mittlerweile gleichzeitig für mindestens zwei konkurrierende Produkte. Dasselbe gilt für die meisten Unternehmen, die Design-Software einsetzen. Dieses Muster zeigt sich in nahezu jeder Kategorie: ",{"text":375,"type":201,"marks":376},"Drei sich überschneidende Tools zu nutzen, ist inzwischen normal.",[377],{"type":256,"attrs":378},{"color":258},{"type":195,"attrs":380,"content":382},{"textAlign":25,"key":381},"p-7",[383],{"text":384,"type":201},"Auf der Rechnung sieht das lediglich wie eine ganz normale Position eines Anbieters aus, dessen Kosten niemand noch einmal überprüft hat.",{"type":195,"attrs":386,"content":388},{"textAlign":25,"key":387},"p-8",[389],{"text":390,"type":201},"Die Verschwendung ist also nicht zufällig, sondern strukturell bedingt.",{"type":313,"attrs":392,"content":394},{"level":393,"textAlign":25},3,[395],{"text":396,"type":201},"KI erschwert Kostenkontrolle: Nutzungsabhängige Rechnungen wachsen schneller als Budgets",{"type":260,"attrs":398},{"id":399,"body":400},"1f8dacb4-f80d-4a01-8563-356506d0c27c",[401],{"_uid":402,"link":403,"asset":404,"caption":90,"component":288},"i-58e931bd-56d3-4b62-9b4f-8d88ca5511d3",{"id":90,"url":90,"linktype":283,"fieldtype":178,"cached_url":284,"prep":41},{"id":405,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":406,"copyright":90,"fieldtype":173,"meta_data":407,"is_external_url":28},226056882443047,"https://a.storyblok.com/f/146026/2560x1664/8e0d5dc17c/spend_report_chart_1_de_2x.webp",{},{"type":195,"attrs":409,"content":411},{"textAlign":25,"key":410},"p-9",[412],{"text":413,"type":201,"marks":414},"Der aktuelle SaaS-Wildwuchs unterscheidet sich von früheren Zyklen: KI verändert die Dynamik grundlegend. Das zeigt sich schnell.",[415],{"type":256,"attrs":416},{"color":258},{"type":195,"attrs":418,"content":420},{"textAlign":25,"key":419},"p-10",[421,423],{"text":422,"type":201},"Vor einem Jahr war OpenAI bei den Ausgaben europäischer Unternehmen für KI-Anbieter noch der klare Spitzenreiter, mit deutlichem Abstand vor allen anderen. Anfang 2026 hatte Anthropic OpenAI überholt: Die Ausgaben allein für Anthropic stiegen in der zweiten Hälfte des Zwölfmonatszeitraums auf mehr als das Siebenfache, während die Ausgaben für OpenAI zunächst stagnierten und anschließend zurückgingen. Die Rechnung für Cursor hat sich im selben Zeitraum mehr als verdoppelt. Dust, Lovable und Mistral fallen bislang kaum ins Gewicht. Bei diesem Tempo dürfte das jedoch nicht lange so bleiben. ",{"text":424,"type":201,"marks":425},"Insgesamt stiegen die KI-Ausgaben innerhalb von zwölf Monaten um 340 Prozent, obwohl sich die Zahl der kaufenden Unternehmen kaum veränderte.",[426],{"type":256,"attrs":427},{"color":258},{"type":195,"attrs":429,"content":431},{"textAlign":25,"key":430},"p-11",[432,434,435],{"text":433,"type":201},"Bei herkömmlichen SaaS-Ausgaben sieht das anders aus. Eine Figma-Rechnung über 500 Euro im Monat beläuft sich auch im Folgemonat auf 500 Euro. Bei KI steigen die Kosten mit jedem Prompt, jedem Agenten und jedem automatisierten Workflow. Dadurch wird die Rechnung selbst auf eine Weise unberechenbar, auf die sich Finanzteams bisher nicht einstellen mussten. Es gibt kein Verlängerungsdatum, das eine Überprüfung anstößt, und keine Budgetposition, die Schwankungen um ein Mehrfaches des üblichen Betrags auffangen kann. ",{"type":308},{"text":436,"type":201,"marks":437},"Die Ausgaben laufen auf und fallen oft erst auf, wenn sie sich bereits potenziert haben.",[438],{"type":256,"attrs":439},{"color":258},{"type":313,"attrs":441,"content":442},{"level":393,"textAlign":25},[443],{"text":444,"type":201},"Wie europäische Finanzteams SaaS-Verschwendung reduzieren und KI-Ausgaben kontrollieren",{"type":195,"attrs":446,"content":448},{"textAlign":25,"key":447},"p-12",[449,454,455,456],{"text":450,"type":201,"marks":451},"Das Zeitfenster schließt sich. Wer jetzt handelt, setzt sich langfristig ab.",[452],{"type":256,"attrs":453},{"color":258},{"type":308},{"type":308},{"text":457,"type":201,"marks":458},"Vergleichsanalyse",[459],{"type":460},"bold",{"type":195,"attrs":462,"content":464},{"textAlign":25,"key":463},"p-13",[465,470,472,477,478,479],{"text":466,"type":201,"marks":467},"Das erste Problem: Finanzteams fehlen die nötigen Vergleichswerte.",[468],{"type":256,"attrs":469},{"color":258},{"text":471,"type":201}," Sie können nicht verhandeln, wenn sie nicht wissen, was andere Unternehmen bezahlen. Gleichzeitig sind SaaS-Anbieter für ihre intransparente Preisgestaltung bekannt. ",{"text":473,"type":201,"marks":474},"Transparenz über die Ausgaben anderer Unternehmen ist entscheidend, kein optionales Extra.",[475],{"type":256,"attrs":476},{"color":258},{"type":308},{"type":308},{"text":480,"type":201,"marks":481},"Nutzungsanalyse",[482],{"type":460},{"type":195,"attrs":484,"content":486},{"textAlign":25,"key":485},"p-14",[487,489,494,495,496],{"text":488,"type":201},"Die zweite Herausforderung ist die Effizienz der Ausgaben. Wenn sich KI vom Experiment zur Infrastruktur entwickelt, werden die Kosten pro Ergebnis zur entscheidenden Kennzahl. Sie zeigen, welche Unternehmen KI profitabel skalieren und welche lediglich ihre KI-Ausgaben hochfahren. Die Tools, die in den 2010er-Jahren den Wildwuchs bei SaaS-Tools eindämmen sollten, müssen nun eine schwierigere Aufgabe erfüllen: nicht mehr nur Lizenzen, sondern auch die tatsächliche Nutzung zu erfassen. ",{"text":490,"type":201,"marks":491},"Unternehmen, die KI-Ausgaben strategisch steuern, werden sich in den kommenden zwölf Monaten einen Vorsprung vor der Konkurrenz erarbeiten.",[492],{"type":256,"attrs":493},{"color":258},{"type":308},{"type":308},{"text":497,"type":201,"marks":498},"Kontrolle in Echtzeit",[499],{"type":460},{"type":195,"attrs":501,"content":503},{"textAlign":25,"key":502},"p-15",[504],{"text":505,"type":201},"Dieser Report zeigt drei Bereiche, in denen Finanzteams tatsächlich Einsparungen erzielen können. Eine Erkenntnis überrascht uns dabei immer wieder: Fast jedes Finanzteam, mit dem wir sprechen, ist überzeugt, dass das eigene Unternehmen bereits so effizient arbeitet wie möglich. Die folgenden Daten zeigen ein anderes Bild.",{"type":313,"attrs":507,"content":508},{"level":315,"textAlign":25},[509],{"text":510,"type":201},"1. Gleiches Tool, gleich großes Unternehmen, völlig unterschiedliche Rechnungen",{"type":313,"attrs":512,"content":513},{"level":393,"textAlign":25},[514],{"text":515,"type":201,"marks":516},"Kernerkenntnis: Europäische Unternehmen könnten jährlich sieben Mrd. Euro zu viel für SaaS bezahlen",[517,519],{"type":256,"attrs":518},{"color":258},{"type":520},"italic",{"type":195,"attrs":522,"content":524},{"textAlign":25,"key":523},"p-16",[525],{"text":526,"type":201,"marks":527},"Spendesk hat die monatlichen Pro-Kopf-Ausgaben bei gängigen nutzerbasierten SaaS-Anbietern verglichen und dabei die Unternehmensgröße berücksichtigt. Die Analyse ergab für die 2.500 untersuchten Unternehmen jährliche Mehrausgaben von rund 69 Mio. Euro. Für dieselbe Software zahlen Unternehmen oft zwei- bis viermal mehr als besonders diszipliniert Einkaufende.",[528],{"type":520},{"type":195,"attrs":530,"content":532},{"textAlign":25,"key":531},"p-17",[533],{"text":534,"type":201,"marks":535},"Softwareanbieter veröffentlichen ihre Preise, doch was Unternehmen tatsächlich bezahlen, weicht davon oft deutlich ab. Spendesk hat bei mehr als 35 gängigen SaaS-Tools mit nutzerbasierter Preisstruktur die monatlichen Ausgaben pro Beschäftigten verglichen und dabei die Unternehmensgröße berücksichtigt. Die Analyse von 2.500 Unternehmen zeigt: Viele zahlen für dieselbe Software zwei- bis viermal so viel wie das preislich effizienteste Viertel vergleichbarer Unternehmen. Insgesamt summieren sich die jährlichen Mehrausgaben auf rund 69 Mio. Euro, etwa 40.000 Euro je Unternehmen, das zu viel bezahlt.",[536],{"type":256,"attrs":537},{"color":258},{"type":260,"attrs":539},{"id":399,"body":540},[541],{"_uid":542,"link":543,"asset":544,"caption":90,"component":288},"i-d880a5a5-70ac-4a5f-a090-cd88170187d3",{"id":90,"url":90,"linktype":283,"fieldtype":178,"cached_url":284,"prep":41},{"id":545,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":546,"copyright":90,"fieldtype":173,"meta_data":547,"is_external_url":28},226060867576800,"https://a.storyblok.com/f/146026/2560x1664/653cf40b6c/spend_report_chart2_de_2x.webp",{},{"type":195,"attrs":549,"content":551},{"textAlign":25,"key":550},"p-18",[552],{"text":553,"type":201,"marks":554},"Natürlich geben größere Unternehmen insgesamt mehr für Slack aus als kleinere. Deshalb haben wir die Unternehmensgröße herausgerechnet und die Ausgaben pro Person verglichen. Vergleicht man die Ausgaben pro Person, wird der Unterschied jedoch kaum kleiner. Bei Atlassian liegen die Ausgaben bei zwei Euro gegenüber zwölf Euro pro Person, bei Notion bei zwei Euro gegenüber sieben Euro und bei HubSpot bei sechs Euro gegenüber 24 Euro. Je nach Anbieter liegen die Ausgaben pro Person um das Drei- bis Sechsfache auseinander. Die Beschäftigtenzahl kann diesen Unterschied nicht erklären.",[555],{"type":256,"attrs":556},{"color":258},{"type":260,"attrs":558},{"id":399,"body":559},[560],{"_uid":561,"link":562,"asset":563,"caption":90,"component":288},"i-f94de31e-bd62-401c-98e4-92019df9279e",{"id":90,"url":90,"linktype":283,"fieldtype":178,"cached_url":284,"prep":41},{"id":564,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":565,"copyright":90,"fieldtype":173,"meta_data":566,"is_external_url":28},226061264356327,"https://a.storyblok.com/f/146026/2560x1664/1fbbd02528/spend_report_chart3_de_2x.webp",{},{"type":195,"attrs":568,"content":570},{"textAlign":25,"key":569},"p-19",[571,573],{"text":572,"type":201},"Es geht dabei um die Zusammensetzung des Software-Portfolios. Große Preisunterschiede bei Anbietern wie Adobe oder Atlassian lassen sich teilweise durch den unterschiedlichen Funktionsumfang erklären. ",{"text":574,"type":201,"marks":575},"Wenn jedoch selbst ein einzelnes Tool wie Slack bei den Ausgaben pro Person einen dreifachen Unterschied zwischen besonders kostenbewussten und durchschnittlichen Unternehmen zeigt, liegt das fast ausschließlich an intransparenten Tarifen und fehlenden Verhandlungen.",[576],{"type":256,"attrs":577},{"color":258},{"type":195,"attrs":579,"content":581},{"textAlign":25,"key":580},"p-20",[582,587],{"text":583,"type":201,"marks":584},"Der Unterschied entsteht vor allem durch die Vertragsverhandlung: Unternehmen nutzen dasselbe Tool in derselben Größenordnung, zahlen aber einen anders ausgehandelten Preis oder haben überhaupt nicht verhandelt.",[585],{"type":256,"attrs":586},{"color":258},{"text":588,"type":201}," Auch hängt es davon ab, wann ein Vertrag zuletzt überprüft wurde, wie viele Lizenzen eingerichtet und wie viele tatsächlich genutzt werden und ob das Finanzteam die Kosten jemals hinterfragt hat. Die Unternehmen können kaum wissen, dass sie zu viel bezahlen, denn Anbieter veröffentlichen bestenfalls einen allgemeinen Preis. Sie veröffentlichen nie, was vergleichbare Unternehmensgruppen tatsächlich zahlen.",{"type":195,"attrs":590,"content":592},{"textAlign":25,"key":591},"p-21",[593,597],{"text":594,"type":201,"marks":595},"Hinweis zur Stichprobe",[596],{"type":460},{"text":598,"type":201},": Cloud-Anbieter mit nutzungsabhängigen Preisen wie AWS, OVH, Scaleway und Gandi haben wir bewusst aus dieser Berechnung ausgeschlossen. Ihre Rechnungen steigen mit der Nutzung, nicht mit der Zahl der Lizenzen. Daher lässt sich anhand eines Benchmarks pro Person die Preisdisziplin nicht auf dieselbe Weise messen wie bei SaaS. Nach derselben Methode würden diese Anbieter weitere 7,1 Mio. Euro ausmachen. Wir weisen diesen Betrag jedoch separat aus, statt ihn in die zentrale Zahl einzurechnen.",{"type":260,"attrs":600},{"id":399,"body":601},[602],{"_uid":603,"link":604,"asset":605,"caption":90,"component":288},"i-703d8b3b-a8ce-4fde-b8fa-c017fbecf58d",{"id":90,"url":90,"linktype":283,"fieldtype":178,"cached_url":284,"prep":41},{"id":606,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":607,"copyright":90,"fieldtype":173,"meta_data":608,"is_external_url":28},226061812261884,"https://a.storyblok.com/f/146026/2560x1664/3405265f9e/spend_report_chart4_de_2x.webp",{},{"type":195,"attrs":610,"content":612},{"textAlign":25,"key":611},"p-22",[613,618,624],{"text":614,"type":201,"marks":615},"Der Überzahlungspool von 67 Mio. Euro schrumpft trotz sinkender mittlerer SaaS-Preise und eines zunehmend reifen SaaS-Marktes nicht, sondern bleibt Jahr für Jahr stabil.",[616],{"type":256,"attrs":617},{"color":258},{"text":619,"type":201,"marks":620}," ",[621,623],{"type":256,"attrs":622},{"color":258},{"type":520},{"text":625,"type":201,"marks":626}," Die Unterschiede verschieben sich zwischen den Anbietern: Bei HubSpot hat sich die Preisdifferenz um 1,1 Mio. Euro vergrößert, bei Atlassian ist sie um 1,4 Mio. Euro kleiner geworden. Insgesamt bleibt die Streuung jedoch bestehen. Überzahlungen sind strukturell bedingt und keine vorübergehende Ineffizienz.",[627],{"type":256,"attrs":628},{"color":258},{"type":195,"attrs":630,"content":632},{"textAlign":25,"key":631},"p-23",[633],{"text":634,"type":201,"marks":635},"Nach Märkten: Das Gefälle bei der Preisdisziplin kennt keine Landesgrenzen",[636,638],{"type":256,"attrs":637},{"color":258},{"type":460},{"type":260,"attrs":640},{"id":399,"body":641},[642],{"_uid":643,"link":644,"asset":645,"caption":90,"component":288},"i-38ecc363-3fb2-4e93-8cfb-cb6702e5ee88",{"id":90,"url":90,"linktype":283,"fieldtype":178,"cached_url":284,"prep":41},{"id":646,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":647,"copyright":90,"fieldtype":173,"meta_data":648,"is_external_url":28},226062159139844,"https://a.storyblok.com/f/146026/2560x1664/1835ac33ee/spend_report_chart5_de_2x.webp",{},{"type":195,"attrs":650,"content":652},{"textAlign":25,"key":651},"p-24",[653],{"text":654,"type":201},"Egal, wo man hinschaut: Dasselbe Tool wird zu völlig unterschiedlichen Preisen eingekauft, und kein Markt hat dieses Problem gelöst. Figma ist ein gutes Beispiel: ein Produkt mit einem komplexen Preismodell, das unterschiedliche Lizenztypen und Vertragslaufzeiten berücksichtigt und weltweit an Designteams verkauft wird. Dennoch zahlt ein typisches Unternehmen in jedem untersuchten Markt im Median etwa 200 Euro pro Monat, während die 25 % der Unternehmen mit den höchsten Ausgaben rund 1.500 Euro zahlen. Damit liegen die Preise beim selben Anbieter in jedem einzelnen Markt sechs- bis neunmal auseinander. Großbritannien ist am preisdiszipliniertesten: Dort liegt der Median am höchsten, zugleich ist die Preisspanne am geringsten und es gibt die wenigsten Fälle extremer Überzahlung. Frankreich und Deutschland weisen niedrigere Medianwerte auf, aber mehr Unternehmen, die massiv zu viel bezahlen.",{"type":195,"attrs":656,"content":658},{"textAlign":25,"key":657},"p-25",[659,661,667],{"text":660,"type":201},"Insgesamt deuten die durchschnittlichen Mehrausgaben zusammen mit den Marktdaten auf 1,6 Milliarden Euro Mehrausgaben in Frankreich (",{"text":662,"type":201,"marks":663},"EURES",[664],{"type":179,"attrs":665},{"href":666,"uuid":25,"anchor":25,"target":342,"linktype":177},"https://eures.europa.eu/living-and-working/labour-market-information/labour-market-information-france_en",{"text":668,"type":201},").",{"type":313,"attrs":670,"content":671},{"level":315,"textAlign":25},[672],{"text":673,"type":201},"2. Tool-Doppelungen: Versteckte Ausgaben in jedem Team",{"type":313,"attrs":675,"content":676},{"level":393,"textAlign":25},[677],{"text":678,"type":201,"marks":679},"Kernerkenntnis: Doppelte Tools kosten europäische Unternehmen jährlich 3 Milliarden Euro",[680],{"type":520},{"type":195,"attrs":682,"content":683},{"textAlign":25,"key":197},[684],{"text":685,"type":201,"marks":686},"Spendesk hat anhand seiner Transaktionsdaten Überschneidungen bei Software-Abonnements in verschiedenen Kategorien analysiert. Die Analyse zeigt, dass durch doppelte Tools jährlich rund 15 Mio. Euro eingespart werden könnten. Mehr als zwei Drittel dieser Verschwendung entfallen auf KI- und Design-Software.",[687,689],{"type":256,"attrs":688},{"color":258},{"type":520},{"type":195,"attrs":691,"content":692},{"textAlign":25,"key":292},[693],{"text":694,"type":201,"marks":695},"72 Prozent der Unternehmen, die KI-Tools nutzen, bezahlen für mindestens zwei konkurrierende Produkte. Bei Design-Tools sind es 64 Prozent. Wenn Unternehmen Software einkaufen, bereinigen sie ihren Bestand nur selten. Stattdessen kommen weitere Tools hinzu. Doppelte Tools sind also kein Phänomen einiger weniger Unternehmen mit schlechter Steuerung, sondern der statistische Normalfall in nahezu jeder von uns untersuchten Kategorie.",[696],{"type":256,"attrs":697},{"color":258},{"type":260,"attrs":699},{"id":700,"body":701},"bc3c9441-1334-4b89-92b2-8bf78371dd52",[702],{"_uid":703,"link":704,"asset":705,"caption":90,"component":288},"i-7aef392b-55a4-468a-a07d-5795ff48998d",{"id":90,"url":90,"linktype":283,"fieldtype":178,"cached_url":284,"prep":41},{"id":706,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":707,"copyright":90,"fieldtype":173,"meta_data":708,"is_external_url":28},226065104016484,"https://a.storyblok.com/f/146026/2560x1664/e8e92498dd/spend_report_chart6_de_2x.webp",{},{"type":195,"attrs":710,"content":711},{"textAlign":25,"key":298},[712],{"text":713,"type":201},"Die Kategorien mit den höchsten Doppelungsraten sind auch die am schnellsten wachsenden: KI und Design. Das ist kein Zufall. In schnelllebigen Kategorien kaufen Unternehmen eher nach dem Prinzip „erst testen, dann kaufen“. Solche Testversionen werden jedoch häufig zu dauerhaften Abonnements, die niemand kündigt.",{"type":195,"attrs":715,"content":716},{"textAlign":25,"key":321},[717],{"text":718,"type":201},"Finanzteams können nicht jede einzelne Fehlentscheidungen verhindern. Entscheidend ist, den Prozess zu verbessern. Ohne einen strukturierten Prozess zur Tool-Konsolidierung fügen Teams standardmäßig weitere Tools hinzu. Wenn das Budget später gekürzt werden muss, hilft es, einen Überblick zu haben.",{"type":195,"attrs":720,"content":721},{"textAlign":25,"key":327},[722,724],{"text":723,"type":201},"Auch wir bei Spendesk sind davor nicht völlig geschützt. Wir bezahlen sowohl für Dust als auch für Claude, da wir beide Tools für unterschiedliche Aufgaben einsetzen. Der Unterschied: Das Finanzteam weiß davon und hat die Ausgaben freigegeben. Niemand reicht heimlich doppelte Lizenzen ein. Genau dafür haben wir klare Regeln. ",{"text":725,"type":201,"marks":726},"Müssten wir unsere Kosten senken, wüssten wir genau, wo wir ansetzen.",[727],{"type":256,"attrs":728},{"color":258},{"type":260,"attrs":730},{"id":731,"body":732},"0ed12b19-5530-488b-90bd-3fc015f1b557",[733],{"_uid":734,"name":735,"role":90,"image":736,"quote":738,"component":739},"i-8039cf35-319d-4463-871f-c3fd4b2e31b3","Pauline Bellee Babel - CFO, Spendesk",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":173,"meta_data":737,"is_external_url":28},{},"Zwei KI-Tools mit überschneidenden Funktionen sind nicht das Problem. Problematisch sind zwei KI-Tools, die niemand im Finanzteam freigegeben hat. Dust und Claude sind bei uns verbucht, weil wir uns bewusst dafür entschieden haben: Die Nutzung wird erfasst, die Kostenverantwortung ist geklärt und für jedes Tool gibt es einen klaren Zweck. Das ist der Maßstab: nicht null Doppelungen, sondern keine Doppelungen ohne Transparenz und ohne klaren Zweck.","quote",{"type":195,"attrs":741},{"textAlign":25,"key":347},{"type":260,"attrs":743},{"id":700,"body":744},[745],{"_uid":746,"link":747,"asset":748,"caption":90,"component":288},"i-277eb53d-a013-490d-8e52-ec0fb8d73b01",{"id":90,"url":90,"linktype":283,"fieldtype":178,"cached_url":284,"prep":41},{"id":749,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":750,"copyright":90,"fieldtype":173,"meta_data":751,"is_external_url":28},226065952875645,"https://a.storyblok.com/f/146026/2560x1664/fd215d3f41/spend_report_chart7_de_2x.webp",{},{"type":195,"attrs":753,"content":754},{"textAlign":25,"key":365},[755],{"text":756,"type":201,"marks":757},"Jahr für Jahr: Die parallele Nutzung von KI-Tools hat sich verdoppelt, weil Unternehmen zunehmend mit KI experimentieren, ohne sich festzulegen",[758,760],{"type":256,"attrs":759},{"color":258},{"type":460},{"type":195,"attrs":762,"content":763},{"textAlign":25,"key":381},[764],{"text":765,"type":201},"Vor einem Jahr nutzte das typische Unternehmen mit LLM-Einsatz nur ein einziges Modell. Lediglich 29 Prozent setzten konkurrierende Modelle ein. Heute liegt der Median bei zwei Modellen, und 65 Prozent nutzen mindestens zwei Tools. Die Nutzung mehrerer Modelle hat sich innerhalb von zwölf Monaten mehr als verdoppelt und ist vom Ausnahmefall zum Normalfall geworden. Die damit verbundenen Ausgaben für doppelte Tools stiegen von 0,3 Mio. Euro auf 4,5 Mio. Euro, da aus Pilotprojekten kostenpflichtige Lizenzen wurden.",{"type":195,"attrs":767,"content":768},{"textAlign":25,"key":387},[769],{"text":770,"type":201},"Dieser Trend entspricht der zunehmenden Spezialisierung von Modellen nach Aufgabenbereichen: Ein Unternehmen kann eines für allgemeine Aufgaben, ein anderes fürs Programmieren und ein drittes für teamübergreifende Analysen einsetzen.",{"type":195,"attrs":772,"content":773},{"textAlign":25,"key":410},[774],{"text":775,"type":201,"marks":776},"Nach Märkten: Zwischen Unternehmensgröße und Preisdisziplin",[777,779],{"type":256,"attrs":778},{"color":258},{"type":460},{"type":195,"attrs":781,"content":782},{"textAlign":25,"key":419},[783],{"text":784,"type":201},"Frankreich weist zwar das größte Gesamtvolumen auf, hat aber die niedrigste Doppelungsquote der vier Märkte. 63 Prozent der Unternehmen mit Softwareausgaben nutzen in einer Kategorie mindestens zwei konkurrierende Anbieter. In Deutschland und in Großbritannien sind es 74 bis 77 Prozent.",{"type":195,"attrs":786,"content":787},{"textAlign":25,"key":430},[788],{"text":789,"type":201},"Deutschland und Großbritannien sind damit die Hotspots für Tool-Doppelungen. In Großbritannien summieren sich die Mehrausgaben am stärksten: Jedes Unternehmen mit doppelten Tools verschenkt dort jährlich rund 12.400 Euro, gegenüber etwa 9.800 Euro in Deutschland und 9.100 Euro in Frankreich.",{"type":260,"attrs":791},{"id":731,"body":792},[793],{"_uid":794,"name":795,"role":90,"image":796,"quote":798,"component":739},"i-135a0e1c-2d35-4ef1-b1f7-afe61d68787c","Leitung Finanzen bei Retail Insight",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":173,"meta_data":797},{},"Ich glaube, das Problem ist: Wir wissen nicht, was wir nicht wissen. Wir wollen nicht doppelt für Software bezahlen, die dasselbe leistet. Und wir wollen nicht erst kurz vor einer Vertragsverlängerung merken, dass sie ansteht. Wir wollen Monate im Voraus darauf vorbereitet sein.",{"type":313,"attrs":800,"content":801},{"level":315,"textAlign":25},[802],{"text":803,"type":201},"3. Europas KI-Ausgaben: enormes Wachstum, enorme Verschwendung",{"type":313,"attrs":805,"content":806},{"level":393,"textAlign":25},[807],{"text":808,"type":201,"marks":809},"Kernerkenntnis: Monatliche KI-Kosten können bis zu achtmal höher sein und sind daher schwer planbar",[810,813],{"type":256,"attrs":811},{"color":812},"#000000",{"type":520},{"type":195,"attrs":815,"content":816},{"textAlign":25,"key":447},[817,823,824,825],{"text":818,"type":201,"marks":819},"KI-Ausgaben europäischer Unternehmen schwanken stark. Die Spendesk-Analyse zeigt: Im Median variierten die monatlichen Kosten um etwa 61 Prozent. Die teuerste Monatsrechnung konnte bis zu achtmal so hoch sein wie die günstigste. Von den 1.347 Unternehmen mit KI-Ausgaben in mindestens drei aufeinanderfolgenden Monaten zeigten 60 Prozent starke monatliche Schwankungen. Nutzungsabhängige Preise sind für Anbieter vorteilhaft, machen die Kosten für Finanzteams aber schwer planbar.",[820,822],{"type":256,"attrs":821},{"color":258},{"type":520},{"type":308},{"type":308},{"text":826,"type":201,"marks":827},"Eine bessere Erfassung der KI-Ausgaben ist selbst ein Einsparhebel: Unkontrollierter Token-Verbrauch wird erst sichtbar und steuerbar, wenn jemand Abweichungen tatsächlich im Blick behält.",[828],{"type":256,"attrs":829},{"color":258},{"type":260,"attrs":831},{"id":700,"body":832},[833],{"_uid":834,"link":835,"asset":836,"caption":90,"component":288},"i-18e3c4c5-0d69-4a49-a10e-9bcc55384940",{"id":90,"url":90,"linktype":283,"fieldtype":178,"cached_url":284,"prep":41},{"id":837,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":838,"copyright":90,"fieldtype":173,"meta_data":839,"is_external_url":28},226067896345772,"https://a.storyblok.com/f/146026/2560x1664/4174908166/spend_report_chart8_de_2x.webp",{},{"type":195,"attrs":841,"content":842},{"textAlign":25,"key":463},[843],{"text":844,"type":201},"Die monatlichen KI-Ausgaben des typischen Unternehmens schwanken von Monat zu Monat um 61 Prozent. Bei 60 Prozent der Unternehmen mit ansonsten stabiler KI-Nutzung schwanken die Rechnungen stark. Nutzungsabhängige Preise sind für Anbieter ein Vorteil, für Finanzteams aber ein Prognoseproblem.",{"type":195,"attrs":846,"content":847},{"textAlign":25,"key":485},[848],{"text":849,"type":201},"Aus der Stichprobe von 2.500 Unternehmen analysierten wir 1.347 Unternehmen mit mindestens drei aufeinanderfolgenden Monaten mit KI-Ausgaben und maßen, wie stark sich ihre Rechnungen veränderten. Beim typischen Unternehmen kann der teuerste Monat bis zu achtmal so teuer sein wie der günstigste. Keine feste Budgetposition kann solche Schwankungen abbilden. Klassische SaaS-Budgetmodelle greifen deshalb zu kurz: Sie rechnen mit festen monatlichen Kosten. KI funktioniert jedoch nicht wie ein Abonnement, sondern wie ein Verbrauchsdienst ohne sichtbaren Zähler.",{"type":195,"attrs":851,"content":852},{"textAlign":25,"key":502},[853],{"text":854,"type":201},"Die einzige zuverlässige Antwort auf schwankende nutzungsabhängige Abrechnungen ist ein Ausgabenlimit mit Warnfunktion auf einer smarten Firmenkarte, nicht nur ein Budgetposten. Genau hier macht sich die Ausgabenerfassung bezahlt: Wer die Schwankungen in Echtzeit sieht, erkennt unkontrollierten Token-Verbrauch bereits in der ersten Woche und nicht erst beim Monatsabschluss. So wird der KI-Ausgabenposten planbar, statt dass unerwartete Schwankungen erst im Nachhinein auffallen. Wer KI wie ein gewöhnliches Abonnement behandelt, hat den am schnellsten wachsenden und am wenigsten planbaren Teil der Softwareausgaben systematisch nicht ausreichend unter Kontrolle.",{"type":195,"attrs":856,"content":857},{"textAlign":25,"key":523},[858],{"text":859,"type":201,"marks":860},"Nach Märkten: KI-Kosten schwanken überall stark",[861,863],{"type":256,"attrs":862},{"color":258},{"type":460},{"type":260,"attrs":865},{"id":700,"body":866},[867],{"_uid":868,"link":869,"asset":870,"caption":90,"component":288},"i-821d8dfc-27eb-4638-90fa-af82cb99c458",{"id":90,"url":90,"linktype":283,"fieldtype":178,"cached_url":284,"prep":41},{"id":871,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":872,"copyright":90,"fieldtype":173,"meta_data":873,"is_external_url":28},226069220226242,"https://a.storyblok.com/f/146026/2560x1664/ea4a6792ca/spend_report_chart9_de_2x.webp",{},{"type":195,"attrs":875,"content":876},{"textAlign":25,"key":531},[877],{"text":878,"type":201},"Wo sich Märkte bei Bündelung und Preisdisziplin stark unterscheiden, ist die Unberechenbarkeit der Rechnungen nahezu gleich. In allen Märkten liegt die mediane Schwankung in einem engen Korridor von 55 bis 65 Prozent, während 55 bis 62 Prozent der Unternehmen stark schwankende Rechnungen haben. Es gibt daher keinen besonders disziplinierten Markt und keinen Ausreißer, auf den sich die Unterschiede schieben ließen.",{"type":195,"attrs":880,"content":881},{"textAlign":25,"key":550},[882],{"text":883,"type":201},"Die geringen Unterschiede folgen einem bekannten Muster: In den kleineren Märkten im „Rest Europas“ ist die mediane Schwankung mit 65 Prozent am höchsten. Deutschland ist mit 56 Prozent am stabilsten, während Großbritannien mit 62 Prozent den höchsten Anteil stark schwankender Rechnungen aufweist. „Am stabilsten“ bedeutet jedoch auch dort, dass bei mehr als der Hälfte der Unternehmen die KI-Rechnungen von Monat zu Monat um mehr als die Hälfte schwanken.",{"type":195,"attrs":885,"content":886},{"textAlign":25,"key":569},[887],{"text":888,"type":201},"Diese Konstanz zeigt: Konsolidierung und Preisunterschiede sind verhaltensbedingt und lassen sich durch Disziplin verringern. Die Volatilität ist dagegen strukturell, also eine Eigenschaft nutzungsabhängiger Abrechnung. Deshalb tritt sie in Paris, London, Berlin und überall dazwischen nahezu gleich auf. Eine verbrauchsabhängige Rechnung lässt sich nicht allein durch Budgetplanung kontrollieren, sondern nur durch eine zusätzliche Kontrollebene.",{"type":195,"attrs":890,"content":891},{"textAlign":25,"key":580},[892],{"text":893,"type":201},"Ein Ausgabenlimit mit Echtzeitwarnungen funktioniert in jedem Markt, weil es ein überall bestehendes Problem löst. Spendesk hilft mittelgroßen europäischen Unternehmen, ihre Ausgaben zu steuern, indem alle Ausgaben an einem Ort gebündelt werden. So gewinnen Finanzteams Kontrolle und Transparenz, ohne zum Engpass zu werden.",{"type":313,"attrs":895,"content":896},{"level":315,"textAlign":25},[897],{"text":898,"type":201},"4. Wie Spendesk bei der Ausgabenkontrolle helfen kann",{"type":195,"attrs":900,"content":901},{"textAlign":25,"key":591},[902],{"text":903,"type":201},"Die Lösung besteht nicht darin, Teams von der Nutzung von Software oder KI abzuhalten. Vielmehr müssen diese Ausgaben sichtbar, bewusst gesteuert und mit Geschäftsergebnissen verknüpft werden. Der erste Schritt ist eine klare Gesamtübersicht über Abonnements, Rechnungen und Kartenzahlungen. Jedem Tool werden dabei eine verantwortliche Person, ein Team, ein Zweck, ein Verlängerungsdatum und, sofern möglich, die tatsächliche Nutzung zugeordnet. So erkennen Finanzteams, wo sich Doppelungen, unkontrollierte Verlängerungen und unerwartete KI-Nutzung aufbauen, bevor sie zu einem festen Bestandteil der laufenden Kosten werden.",{"type":195,"attrs":905,"content":906},{"textAlign":25,"key":611},[907],{"text":908,"type":201},"Kontrolle ist besonders wichtig, wenn Ausgaben dynamisch sind. Bei festen SaaS-Abos können Freigaben und Verlängerungsprüfungen verhindern, dass ungenutzte Lizenzen und doppelte Tools einfach weiterlaufen. Bei nutzungsbasierter KI können Ausgabenlimits und Echtzeitwarnungen ungewöhnliche Anstiege frühzeitig melden. So erhalten Finanzteams eine praktikable Kontrollebene, ohne jeden Kauf zum Engpass zu machen.",{"type":195,"attrs":910,"content":911},{"textAlign":25,"key":631},[912],{"text":913,"type":201},"Transparenz ist jedoch nur dann wertvoll, wenn sie zu besseren Entscheidungen führt. Der nächste Schritt besteht darin, Software- und KI-Ausgaben mit Geschäftsergebnissen zu verknüpfen: eingesparter Zeit, erzeugter Leistung, betreuter Kundschaft oder ermöglichtem Umsatz. Ein Tool kann trotz Überschneidungen mit einem anderen sinnvoll sein, wenn seine Rolle klar ist und sein Wert gemessen werden kann. Die Frage lautet daher nicht nur: „Was können wir streichen?“, sondern auch: „Was ermöglicht diese Ausgabe dem Unternehmen?“ Genau hier setzt Spendesk an: Zahlungen, Freigaben und Berichte werden zusammengeführt, damit Finanzteams und andere Teams auf derselben Datengrundlage entscheiden können.",{"type":195,"attrs":915,"content":916},{"textAlign":25,"key":651},[917],{"text":918,"type":201},"Mit den richtigen Kontrollen können Finanzteams Experimente ermöglichen, ohne dass daraus unsichtbare Ausgaben werden. Die Teams behalten die benötigten Tools, während Finanzteams den nötigen Kontext, klare Leitplanken und die Sicherheit gewinnen, um erfolgreiche Ansätze zu skalieren.",{"type":195,"attrs":920,"content":921},{"textAlign":25,"key":657},[922,924,938,940],{"text":923,"type":201},"Jetzt das ",{"text":925,"type":201,"marks":926},"Spendesk-Team",[927],{"type":179,"attrs":928},{"href":929,"uuid":930,"anchor":25,"target":931,"linktype":283,"story":932},"/de/schedule-a-demo/","92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","_self",{"name":933,"id":934,"uuid":930,"slug":935,"url":936,"full_slug":937,"_stopResolving":41},"Schedule a demo",126838129,"schedule-a-demo","schedule-a-demo/","de/schedule-a-demo/",{"text":939,"type":201}," kontaktieren und mehr erfahren.",{"type":308},{"type":313,"attrs":942,"content":943},{"level":315,"textAlign":25},[944,946],{"text":945,"type":201},"Die Stichprobe",{"type":308},{"type":195,"attrs":948,"content":950},{"textAlign":25,"key":949},"p-26",[951],{"text":952,"type":201},"2.500 aktive europäische Unternehmen, Juni 2025 bis Juni 2026. Neun Branchen. Vier Unternehmensgrößen.",{"type":195,"attrs":954,"content":956},{"textAlign":25,"key":955},"p-27",[957],{"text":958,"type":201},"Die Zusammensetzung unserer Stichprobe entspricht der KMU-Verteilung von Eurostat: 91 Prozent der Unternehmen haben weniger als 250 Beschäftigte. Denn das entspricht der Realität der europäischen Unternehmenslandschaft.",{"type":260,"attrs":960},{"id":961,"body":962},"66847539-2d83-4487-abf9-2919422e201b",[963],{"_uid":964,"link":965,"asset":966,"caption":90,"component":288},"i-e7b7bdaa-520d-4c6b-bfdd-3408dc604442",{"id":90,"url":90,"linktype":283,"fieldtype":178,"cached_url":284,"prep":41},{"id":967,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":968,"copyright":90,"fieldtype":173,"meta_data":969,"is_external_url":28},226075809027405,"https://a.storyblok.com/f/146026/2560x1664/6fad04af64/spend_report_sample_chart1_de_2x.webp",{},{"type":195,"attrs":971},{"textAlign":25,"key":972},"p-28",{"type":260,"attrs":974},{"id":961,"body":975},[976],{"_uid":977,"link":978,"asset":979,"caption":90,"component":288},"i-a8fe4a4d-a224-4306-bcea-0ee77f20a0e5",{"id":90,"url":90,"linktype":283,"fieldtype":178,"cached_url":284,"prep":41},{"id":980,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":981,"copyright":90,"fieldtype":173,"meta_data":982,"is_external_url":28},226076086334804,"https://a.storyblok.com/f/146026/2560x1664/f9b27859aa/spend_report_sample_chart2_de_2x.webp",{},{"type":195,"attrs":984},{"textAlign":25,"key":985},"p-29",{"type":260,"attrs":987},{"id":961,"body":988},[989],{"_uid":990,"link":991,"asset":992,"caption":90,"component":288},"i-f8befbd6-6c3d-4bec-a6e3-74416409f991",{"id":90,"url":90,"linktype":283,"fieldtype":178,"cached_url":284,"prep":41},{"id":993,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":994,"copyright":90,"fieldtype":173,"meta_data":995,"is_external_url":28},226076322506093,"https://a.storyblok.com/f/146026/2560x1664/2dbcf78206/spend_report_sample_chart3_de_2x.webp",{},{"type":195,"attrs":997,"content":999},{"textAlign":25,"key":998},"p-30",[1000],{"text":1001,"type":201},"Um die Größenordnung auf Marktebene zu modellieren, haben wir die Strukturelle Unternehmensstatistik von Eurostat herangezogen. Sie umfasst Unternehmen in den 27 EU-Mitgliedstaaten mit 50 bis 249 Beschäftigten und basiert auf vorläufigen Daten für 2024. Demnach gibt es in der EU 250.670 Unternehmen mit 50 bis 249 Beschäftigten.",{"type":313,"attrs":1003,"content":1004},{"level":393,"textAlign":25},[1005],{"text":1006,"type":201},"Die Methode",{"type":195,"attrs":1008,"content":1010},{"textAlign":25,"key":1009},"p-31",[1011],{"text":1012,"type":201},"Um zu analysieren, wie europäische Unternehmen Software einkaufen und dafür Geld ausgeben, haben wir die Anbieterliste auf Basis tatsächlicher Zahlungen von Grund auf aufgebaut. Wir sind also nicht von einer vorab definierten Liste „bekannter“ SaaS-Marken ausgegangen. Dafür haben wir eine festgelegte Stichprobe aus 2.568 europäischen Unternehmen betrachtet, die in 14 Ländern ansässig und zwischen Juni 2025 und Juni 2026 sowohl bei Kartenzahlungen als auch bei Rechnungszahlungen aktiv waren. Wir haben jeden Anbieter erfasst, an den diese Unternehmen im Zwölfmonatszeitraum Zahlungen geleistet haben, und die Daten selbst bestimmen lassen, welche Anbieter in die Analyse einfließen.",{"type":195,"attrs":1014,"content":1016},{"textAlign":25,"key":1015},"p-32",[1017],{"text":1018,"type":201},"Die beiden Zahlungswege liefern unterschiedliche Informationen, daher haben wir beide genutzt:",{"type":195,"attrs":1020,"content":1022},{"textAlign":25,"key":1021},"p-33",[1023],{"text":1024,"type":201},"Bei Rechnungs- und Überweisungszahlungen ist die Zuordnung in den Daten bereits eindeutig. Verschiedene Einträge desselben Unternehmens, etwa regionale Gesellschaften oder doppelte Datensätze, haben wir zusammengeführt. So wurden beispielsweise die vier internen IDs von OpenAI zu einem einzigen Datensatz zusammengefasst.",{"type":195,"attrs":1026,"content":1028},{"textAlign":25,"key":1027},"p-34",[1029],{"text":1030,"type":201},"Kartenzahlungen enthalten lediglich eine frei eingegebene Händlerbezeichnung, zum Beispiel „OPENAI *CHATGPT SUBSCR“ oder „CLAUDE.AI SUBSCRIPTION“. Diese Bezeichnungen normalisieren wir und ordnen sie denselben einheitlichen Anbietern zu.",{"type":195,"attrs":1032,"content":1034},{"textAlign":25,"key":1033},"p-35",[1035],{"text":1036,"type":201},"Anschließend haben wir Kategorien entfernt, die nicht zur Software gehören: Werbung, HR, Gehaltsabrechnung und Benefits, Reisen und Mobilität, Versorgungsleistungen, Telekommunikation, Post, Bank-, Versicherungs- und Leasingdienstleistungen, Hardware sowie Einzelhandel. Berücksichtigt wurden nur Anbieter, die bei mindestens 20 verschiedenen Unternehmen der Stichprobe auftauchen. Dieser Schwellenwert filtert einmalige Zahlungsempfänger wie Freiberufler:innen, Vermieter:innen und lokale Dienstleister:innen heraus, lässt aber echte branchenspezifische und regionale Tools in der Analyse.",{"type":195,"attrs":1038,"content":1040},{"textAlign":25,"key":1039},"p-36",[1041],{"text":1042,"type":201},"Das Ergebnis ist eine Liste von 380 Softwareanbietern, die aus beiden Zahlungswegen zusammengeführt wurde: 112 Anbieter tauchen sowohl bei Kartenzahlungen als auch bei Rechnungszahlungen auf, 265 ausschließlich bei Rechnungszahlungen und 3 ausschließlich bei Kartenzahlungen.",{"type":195,"attrs":1044,"content":1046},{"textAlign":25,"key":1045},"p-37",[1047],{"text":1048,"type":201},"Die Zusammenführung beider Zahlungswege ist besonders für KI-, Design- und Entwickler-Tools wichtig. Diese werden überwiegend per Karte bezahlt und wären in einer reinen Rechnungsanalyse deutlich unterrepräsentiert. So entfallen beispielsweise etwa zwei Drittel der Ausgaben für Anthropic und der Großteil der Ausgaben für GitHub auf Kartenzahlungen.",{"type":195,"attrs":1050,"content":1052},{"textAlign":25,"key":1051},"p-38",[1053,1057],{"text":1054,"type":201,"marks":1055},"Einschränkungen",[1056],{"type":460},{"text":1058,"type":201},": Die Anbieterklassifizierung folgt festen Regeln. Schätzungsweise 10 bis 15 % der verbleibenden Einträge stammen dennoch nicht aus dem Softwarebereich, etwa von IT-Dienstleistungs-Wiederverkäufern, EOR-Anbietern oder Elektronikgroßhändlern. Unklare Händlerbezeichnungen können zudem dazu führen, dass ein kleiner Teil der SaaS-Ausgaben nicht erfasst, aber nicht falsch zugeordnet wird. Diese Einschränkungen beeinflussen die Ergebnisse zu einzelnen Anbietern und insbesondere zu KI nicht wesentlich.",{"type":195,"attrs":1060},{"textAlign":25,"key":1061},"p-39",{"type":195,"attrs":1063},{"textAlign":25,"key":1064},"p-40",{"name":1066,"created_at":1067,"published_at":16,"updated_at":1068,"id":1069,"uuid":1070,"content":1071,"slug":1078,"full_slug":1079,"sort_by_date":25,"position":52,"tag_list":1080,"is_startpage":28,"parent_id":1081,"meta_data":25,"group_id":1082,"first_published_at":1083,"release_id":25,"lang":32,"path":25,"alternates":1084,"default_full_slug":1085,"translated_slugs":1086,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1072,"icon":1073,"name":1066,"component":1077},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1074,"alt":1075,"name":90,"focus":90,"title":90,"filename":1076,"copyright":90,"fieldtype":173,"is_external_url":28},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","de/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[1087,1088,1089],{"path":1085,"name":25,"lang":37,"published":25},{"path":1085,"name":25,"lang":32,"published":25},{"path":1085,"name":25,"lang":40,"published":25},[32],[],[1093],{"cta":1094,"_uid":1102,"image":1103,"title":1107,"subtitle":1120,"component":1121},[1095],{"tag":90,"_uid":1096,"hide":28,"icon":1097,"link":1099,"type":90,"label":1101,"style":277,"component":181,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"8bbcd253-afec-4862-bcd7-d257d900daac",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":173,"meta_data":1098},{},{"id":930,"url":90,"linktype":283,"fieldtype":178,"cached_url":929,"prep":41,"story":1100},{"name":933,"id":934,"uuid":930,"slug":935,"url":936,"full_slug":937,"_stopResolving":41},"Book a demo","d6338e95-96c3-4d35-af35-b928b3b0d7ca",{"id":1104,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1105,"copyright":90,"fieldtype":173,"meta_data":1106,"is_external_url":28},141863894965290,"https://a.storyblok.com/f/146026/2471x1843/baa22902e7/image-spendesk-product-1-cropped.png",{},{"type":191,"attrs":1108,"content":1109},{"backgroundColor":25},[1110],{"type":195,"attrs":1111,"content":1112},{"textAlign":25,"key":197},[1113],{"text":1114,"type":201,"marks":1115},"Built for European businesses",[1116],{"type":1117,"attrs":1118},"styled",{"class":1119},"text-item-heading text-item-heading-sm","Manage cards, expenses and invoices with a platform designed for Europe","ctaBlock","2026-05-04 00:00",[],[1125],{"_uid":1126,"type":90,"asset":1127,"caption":90,"overlay":1131,"component":288},"4ea013e4-4b4a-4aa5-9a28-a9a3acce0217",{"id":1128,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1129,"copyright":90,"fieldtype":173,"meta_data":1130,"is_external_url":28},226418828675520,"https://a.storyblok.com/f/146026/2220x1461/1cce5a7765/blog_de.png",{},[],"Europäische Unternehmen zahlen möglicherweise jährlich 7 Mrd. € zu viel für SaaS, und die KI-Rechnungen schwanken mittlerweile von Monat zu Monat um 61 %. 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Jedes Tool sollte einer Abteilung, einer Kostenverantwortung, Nutzungsinformationen und einem Verlängerungsdatum zugeordnet sein. So lassen sich verstreute Tabellen durch einen einheitlichen Prozess ersetzen, mit dem sich Softwareausgaben überwachen, Verlängerungen vorbereiten und Möglichkeiten zur Konsolidierung oder Neuverhandlung erkennen lassen.",[1196],{"type":256,"attrs":1197},{"color":258},{"_uid":1199,"hide":28,"title":1200,"component":1158,"description":1201},"d8c80a63-f438-4bdd-909c-908d7f0e2e3e","Wie können Unternehmen doppelte oder nicht mehr genutzte Abonnements erkennen und vermeiden?",{"type":191,"attrs":1202,"content":1203},{"backgroundColor":25},[1204],{"type":195,"attrs":1205,"content":1206},{"textAlign":25,"key":197},[1207],{"text":1208,"type":201,"marks":1209},"Unternehmen können Anbieter nach Kategorien vergleichen, die Nutzung und Zuständigkeiten überprüfen und Abonnements ohne aktive Nutzung oder klaren geschäftlichen Zweck identifizieren. 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Mit einer entsprechenden Software können Sie Papierbelege nach der Digitalisierung vernichten.",[2979],{"type":256,"attrs":2980},{"color":2954},{"_uid":2982,"hide":28,"title":2983,"component":1158,"description":2984},"1451a2e3-2866-4f3b-9c86-5446793962e5","Wie lange muss ich Bewirtungsbelege aufbewahren?",{"type":191,"content":2985},[2986],{"type":195,"attrs":2987,"content":2988},{"textAlign":25},[2989],{"text":2990,"type":201,"marks":2991},"Die Aufbewahrungsfrist beträgt gemäß Paragraph 147 der Abgabenordnung zehn Jahre, unabhängig davon, ob in Papierform oder digital.",[2992],{"type":256,"attrs":2993},{"color":2954},{"_uid":2995,"hide":28,"title":2996,"component":1158,"description":2997},"6ff91489-470a-4cc8-8594-01e24a8b64bf","Was ist der Unterschied zwischen Bewirtungsbeleg und Restaurantrechnung?",{"type":191,"content":2998},[2999],{"type":195,"attrs":3000,"content":3001},{"textAlign":25},[3002],{"text":3003,"type":201,"marks":3004},"Die Restaurantrechnung dokumentiert, was verzehrt wurde und was es gekostet hat. Der Bewirtungsbeleg ergänzt die steuerlich relevanten Informationen: Wer hat bewirtet, wer wurde bewirtet, warum fand die Bewirtung statt. Beide Dokumente sind für die steuerliche Anerkennung erforderlich.",[3005],{"type":256,"attrs":3006},{"color":2954},{"_uid":3008,"hide":28,"title":3009,"component":1158,"description":3010},"cf9c8a68-6da0-4762-8732-1e058ad12b69","Was gilt bei Beträgen über 250 Euro?",{"type":191,"content":3011},[3012],{"type":195,"attrs":3013,"content":3014},{"textAlign":25},[3015],{"text":3016,"type":201,"marks":3017},"Hier greifen verschärfte Anforderungen gemäß Paragraph 14 des Umsatzsteuergesetzes: Name und Anschrift Ihres Unternehmens müssen maschinell auf der Rechnung erscheinen, handschriftliche Ergänzungen werden nicht akzeptiert. Ohne diese Angabe entfällt der Vorsteuerabzug. 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Bei drei Bankverbindungen liegen die reinen DATEV-Kosten bei 3,90 Euro pro Monat. Bankseitige Gebühren variieren je nach Institut.",[3120],{"type":256,"attrs":3121},{"color":2954},{"_uid":3123,"hide":28,"title":3124,"component":1158,"description":3125},"9c451eb9-5a29-4606-a0e8-1800ef5be654","Wie funktioniert der DATEV Kontoauszugsmanager?",{"type":191,"content":3126},[3127],{"type":195,"attrs":3128,"content":3129},{"textAlign":25},[3130],{"text":3131,"type":201,"marks":3132},"Das RZ-Bankinfo-Verfahren ruft elektronische Kontoauszüge automatisch aus dem Bankrechenzentrum ab und erstellt Buchungsvorschläge mit einem Ampelsystem (Grün, Gelb, Rot). Nach einigen Wochen mit aktiven Buchungsregeln erreichen viele Finanzteams eine automatische Zuordnungsquote von über 50 Prozent.",[3133],{"type":256,"attrs":3134},{"color":2954},{"_uid":3136,"hide":28,"title":3137,"component":1158,"description":3138},"cd2e2a22-8093-4379-8037-81964018ae70","Wie exportiere ich Buchungen automatisch nach DATEV?",{"type":191,"content":3139},[3140],{"type":195,"attrs":3141,"content":3142},{"textAlign":25},[3143],{"text":3144,"type":201,"marks":3145},"Bankumsätze laufen über den KAM. 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Von der Konfiguration bis zum ersten automatischen Abruf vergehen typischerweise vier bis acht Wochen.",[3159],{"type":256,"attrs":3160},{"color":2954},{"_uid":3162,"hide":28,"title":3163,"component":1158,"description":3164},"e24dd046-d9d9-42e8-a6d1-7a6fdfb7cbe7","Wie funktioniert der DATEV CSV-Export?",{"type":191,"content":3165},[3166],{"type":195,"attrs":3167,"content":3168},{"textAlign":25},[3169],{"text":3170,"type":201,"marks":3171},"Der Standardweg nutzt das ASCII-Format über den DATEV Buchungsdatenservice. Die Buchhaltungssoftware exportiert Buchungssätze in diesem Format; der Import erfolgt über die DATEV-Importfunktion, wobei Kontenrahmen und Wirtschaftsjahr exakt übereinstimmen müssen.",[3172],{"type":256,"attrs":3173},{"color":2954},[3175],{"cta":3176,"_uid":3177,"title":3178,"eyebrow":3185,"subtitle":3188,"component":313,"textAlign":90,"eyebrowPill":28,"flexibleSection":3191,"sectionSettings":3192,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"d55baad5-a6c2-4c14-9a6d-3f5c00d756a9",{"type":191,"content":3179},[3180],{"type":313,"attrs":3181,"content":3182},{"level":315,"textAlign":25},[3183],{"text":3184,"type":201},"Häufige Fragen zum DATEV Kontoauszugsmanager",{"type":191,"content":3186},[3187],{"type":195},{"type":191,"content":3189},[3190],{"type":195},[],[],[],"datev-kontoauszugsmanager-einrichten","de/blog/datev-kontoauszugsmanager-einrichten",-1690,[],"c3269a41-5bd3-46e4-b9bf-ebdf8d012900","2026-05-15T15:25:22.151Z",[],"blog/datev-kontoauszugsmanager-einrichten",[3203,3204,3205],{"path":3201,"name":25,"lang":37,"published":25},{"path":3201,"name":25,"lang":32,"published":25},{"path":3201,"name":25,"lang":40,"published":25},{"name":3207,"created_at":3208,"published_at":3209,"updated_at":3210,"id":3211,"uuid":3212,"content":3213,"slug":3384,"full_slug":3385,"sort_by_date":25,"position":3386,"tag_list":3387,"is_startpage":28,"parent_id":1294,"meta_data":25,"group_id":3388,"first_published_at":3209,"release_id":25,"lang":32,"path":25,"alternates":3389,"default_full_slug":3390,"translated_slugs":3391},"Skonto oder Zahlungsziel? So verbessern Finanzteams Liquidität und Einkaufskonditionen","2026-11-06T13:18:48.294Z","2026-11-06T14:00:06.224Z","2026-11-06T14:00:06.252Z",238721139928302,"b6ed73d3-5730-459b-8f59-1255a8921851",{"_uid":3214,"title":3207,"topics":3215,"noIndex":28,"category":3224,"language":3233,"readTime":90,"component":1078,"heroMedia":3234,"publishedAt":3235,"redirectUrl":90,"leadwallForm":3236,"listingImage":3237,"leadwallTitle":90,"metaDescription":3247,"bottomArticleCta":3248,"leadwallSubtitle":90,"isLeadwallEnabled":28,"componentsAfterTheArticle":3274,"leadwallVisibleParagraphs":90},"cf6a95b1-34b2-4eac-b735-2a36146f91e5",[3216],{"name":217,"created_at":218,"published_at":219,"updated_at":220,"id":221,"uuid":222,"content":3217,"slug":233,"full_slug":234,"sort_by_date":25,"position":235,"tag_list":3218,"is_startpage":28,"parent_id":237,"meta_data":25,"group_id":238,"first_published_at":239,"release_id":25,"lang":32,"path":25,"alternates":3219,"default_full_slug":241,"translated_slugs":3220,"_stopResolving":41},{"_uid":232,"name":217,"component":22,"hubspotId":90},[],[],[3221,3222,3223],{"path":241,"name":25,"lang":37,"published":25},{"path":241,"name":25,"lang":32,"published":25},{"path":241,"name":25,"lang":40,"published":25},{"name":1066,"created_at":1067,"published_at":16,"updated_at":1068,"id":1069,"uuid":1070,"content":3225,"slug":1078,"full_slug":1079,"sort_by_date":25,"position":52,"tag_list":3227,"is_startpage":28,"parent_id":1081,"meta_data":25,"group_id":1082,"first_published_at":1083,"release_id":25,"lang":32,"path":25,"alternates":3228,"default_full_slug":1085,"translated_slugs":3229,"_stopResolving":41},{"_uid":1072,"icon":3226,"name":1066,"component":1077},{"id":1074,"alt":1075,"name":90,"focus":90,"title":90,"filename":1076,"copyright":90,"fieldtype":173,"is_external_url":28},[],[],[3230,3231,3232],{"path":1085,"name":25,"lang":37,"published":25},{"path":1085,"name":25,"lang":32,"published":25},{"path":1085,"name":25,"lang":40,"published":25},[32],[],"2026-11-06 00:00",[],[3238],{"_uid":3239,"link":3240,"asset":3241,"caption":90,"component":288},"94b852c6-1d52-4398-817c-c7eba88fa66d",{"id":90,"url":90,"linktype":283,"fieldtype":178,"cached_url":284,"prep":41},{"id":3242,"alt":3243,"name":90,"focus":90,"title":3244,"source":90,"filename":3245,"copyright":1315,"fieldtype":173,"meta_data":3246,"is_external_url":28},238721522939150,"Spendesk-typische Illustration mit zwei Cashflow-Wegen für frühe Zahlung mit Skonto und spätere Zahlung zur Liquiditätssicherung.","Skonto und Zahlungsziele im Einkauf","https://a.storyblok.com/f/146026/1536x1024/f7ddb99b7d/skonto-oder-zahlungsziel-illustration-header.png",{"alt":3243,"title":3244,"copyright":1315},"Wann lohnt sich Skonto und wann ist ein längeres Zahlungsziel sinnvoller? Mit Entscheidungsregel, Rechenbeispiel und Verhandlungstipps für Finanzteams.",[3249],{"cta":3250,"_uid":3257,"image":3258,"title":3260,"subtitle":3273,"component":1121,"imageFullWidth":28},[3251],{"tag":90,"_uid":3252,"hide":28,"icon":3253,"link":3255,"type":90,"label":1926,"style":277,"component":181,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28,"isDownloadable":28},"01e5a8d7-9085-44c5-9edb-73919ebec26b",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":173,"meta_data":3254},{},{"id":930,"url":90,"linktype":283,"fieldtype":178,"cached_url":929,"prep":41,"story":3256},{"name":933,"id":934,"uuid":930,"slug":935,"url":936,"full_slug":937,"_stopResolving":41},"87501dfc-1a8a-4f04-9e0a-a7149263c456",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":173,"meta_data":3259},{},{"type":191,"attrs":3261,"content":3262},{"backgroundColor":25},[3263],{"type":195,"attrs":3264,"content":3265},{"textAlign":25},[3266],{"text":3267,"type":201,"marks":3268},"Zahlungsziele und Skonto besser steuern",[3269,3271],{"type":256,"attrs":3270},{"color":812},{"type":1117,"attrs":3272},{"class":2707},"Behalten Sie Fälligkeiten, Skontofristen und Freigaben im Blick und zahlen Sie Lieferant:innen genau zum richtigen Zeitpunkt.",[3275],{"cta":3276,"_uid":3277,"items":3278,"heading":3363,"reverse":28,"component":1288,"sectionSettings":3383},[],"fbb04536-425a-4b18-b969-d51b8de5073e",[3279,3293,3307,3321,3335,3349],{"_uid":3280,"hide":28,"title":3281,"component":1158,"description":3282},"8f241e9b-0a7a-4196-812e-0165a71361c8","Was ist der Unterschied zwischen Skonto und Zahlungsziel?",{"type":191,"attrs":3283,"content":3284},{"backgroundColor":25},[3285],{"type":195,"attrs":3286,"content":3287},{"textAlign":25},[3288],{"text":3289,"type":201,"marks":3290},"Das Zahlungsziel bezeichnet die Frist bis zur vollständigen Zahlung einer Rechnung. Skonto ist ein Preisnachlass für eine frühere Zahlung innerhalb einer kürzeren Frist.",[3291],{"type":256,"attrs":3292},{"color":812},{"_uid":3294,"hide":28,"title":3295,"component":1158,"description":3296},"ca2c2128-7502-4d4a-a69c-70905d39ec87","Wann sollte ein Unternehmen Skonto nutzen?",{"type":191,"attrs":3297,"content":3298},{"backgroundColor":25},[3299],{"type":195,"attrs":3300,"content":3301},{"textAlign":25},[3302],{"text":3303,"type":201,"marks":3304},"Skonto sollte genutzt werden, wenn ausreichend Liquidität vorhanden ist und der annualisierte Skontovorteil über den Kosten der Finanzierung oder der besten alternativen Verwendung des Geldes liegt.",[3305],{"type":256,"attrs":3306},{"color":812},{"_uid":3308,"hide":28,"title":3309,"component":1158,"description":3310},"b31b54ca-7cb5-49e3-bab1-16d32c47b62f","Wie wird der effektive Skontozins berechnet?",{"type":191,"attrs":3311,"content":3312},{"backgroundColor":25},[3313],{"type":195,"attrs":3314,"content":3315},{"textAlign":25},[3316],{"text":3317,"type":201,"marks":3318},"Der Skontosatz wird durch den um den Skontosatz reduzierten Rechnungsbetrag geteilt. Das Ergebnis wird anschließend mit 360 multipliziert und durch die zusätzlichen Finanzierungstage geteilt.",[3319],{"type":256,"attrs":3320},{"color":812},{"_uid":3322,"hide":28,"title":3323,"component":1158,"description":3324},"39e89f22-6f11-469a-8437-85197ae49d9f","Was bedeutet „30 Tage netto“?",{"type":191,"attrs":3325,"content":3326},{"backgroundColor":25},[3327],{"type":195,"attrs":3328,"content":3329},{"textAlign":25},[3330],{"text":3331,"type":201,"marks":3332},"„30 Tage netto“ bedeutet, dass der vollständige Rechnungsbetrag innerhalb der vereinbarten Frist bezahlt werden muss. Der Beginn der Frist richtet sich nach dem Vertrag. Er kann beispielsweise beim Rechnungsdatum, Rechnungseingang, Lieferdatum oder Monatsende liegen.",[3333],{"type":256,"attrs":3334},{"color":812},{"_uid":3336,"hide":28,"title":3337,"component":1158,"description":3338},"93875f99-683c-4e9c-a9bd-3d1d4dfd2656","Sind Zahlungsziele von mehr als 60 Tagen erlaubt?",{"type":191,"attrs":3339,"content":3340},{"backgroundColor":25},[3341],{"type":195,"attrs":3342,"content":3343},{"textAlign":25},[3344],{"text":3345,"type":201,"marks":3346},"Zwischen Unternehmen können längere Zahlungsziele ausdrücklich vereinbart werden. 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Der erforderliche Datenumfang hängt von Lieferant, Ausgabenart, Kontenplan und der Konsistenz der bisherigen Buchungen ab.",[3480],{"type":256,"attrs":3481},{"color":812},{"type":195,"attrs":3483,"content":3484},{"textAlign":25},[3485,3490],{"text":3486,"type":201,"marks":3487},"Bis genügend historische Daten vorliegen, können feste Regeln den Einstieg unterstützen. Neue Lieferant:innen und seltene Ausgabenarten sollten zunächst manuell geprüft werden.",[3488],{"type":256,"attrs":3489},{"color":812},{"type":308},{"_uid":3492,"hide":28,"title":3493,"component":1158,"description":3494},"ba054dce-5e6a-4b2b-9a38-0b63eb28c055","Ist automatische Kontierung GoBD-konform?",{"type":191,"attrs":3495,"content":3496},{"backgroundColor":25},[3497],{"type":195,"attrs":3498,"content":3499},{"textAlign":25},[3500],{"text":3501,"type":201,"marks":3502},"Automatische Kontierung kann in einen ordnungsgemäßen Prozess integriert werden. 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