[{"data":1,"prerenderedAt":3657},["ShallowReactive",2],{"es-blog/inteligencia-del-gasto-saas-2026":3,"es-global-content":1383,"es-article-global-content":2688,"es-blog-article-more-articles-222375600893304":2939,"MarkdownRenderer_Pkwx5w1Zv2ucnmpYZbRG8wZopNh8seFsznrz1yD2uTQ":3650},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":1365,"full_slug":1366,"sort_by_date":25,"position":1367,"tag_list":1368,"is_startpage":28,"parent_id":1369,"meta_data":25,"group_id":1370,"first_published_at":1371,"release_id":25,"lang":32,"path":25,"alternates":1372,"default_full_slug":1378,"translated_slugs":1379},"Inteligencia sobre el gasto en SaaS: cuatro verdades incómodas sobre lo que pagan las empresas europeas (y lo que desperdician)","2026-09-21T08:48:38.175Z","2026-10-05T05:23:38.477Z","2026-10-05T05:23:38.506Z",222375600893304,"be7b8109-466e-4a62-8b20-249a4cc85384",{"_uid":11,"roles":12,"title":157,"author":158,"topics":216,"content":247,"noIndex":28,"category":1272,"language":1297,"component":1285,"heroMedia":1298,"sidebarCta":1299,"publishedAt":1336,"redirectUrl":90,"listingImage":1337,"metaDescription":1345,"bottomArticleCta":1346,"componentsAfterTheArticle":1364},"69062f2c-92b6-4e67-9939-1588785b85ff",[13,42,62,81,103,121,139],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":23,"full_slug":24,"sort_by_date":25,"position":26,"tag_list":27,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":30,"first_published_at":31,"release_id":25,"lang":32,"path":25,"alternates":33,"default_full_slug":34,"translated_slugs":35,"_stopResolving":41},"CFO","2022-09-20T14:27:36.164Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:19.605Z",191679062,"a5510262-f27a-456f-aafb-282a0dc1152c",{"_uid":21,"name":14,"component":22},"0a20d718-30d9-4f0d-9b62-6d1d5842bf81","tag","cfo","es/blog/role/cfo",null,-10,[],false,190903385,"13455da7-6739-4b5f-9d1e-993eccd54cdf","2022-11-02T15:24:18.724Z","es",[],"blog/role/cfo",[36,38,40],{"path":34,"name":25,"lang":37,"published":25},"fr",{"path":34,"name":25,"lang":39,"published":25},"de",{"path":34,"name":25,"lang":32,"published":25},true,{"name":43,"created_at":44,"published_at":16,"updated_at":45,"id":46,"uuid":47,"content":48,"slug":50,"full_slug":51,"sort_by_date":25,"position":52,"tag_list":53,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":54,"first_published_at":55,"release_id":25,"lang":32,"path":25,"alternates":56,"default_full_slug":57,"translated_slugs":58,"_stopResolving":41},"Finance Manager","2024-11-14T16:28:41.778Z","2026-03-12T10:48:04.003Z",579108186,"ac906673-c199-4d4b-900d-b03772ebac22",{"_uid":49,"name":43,"component":22},"8ee7bc5e-ac5d-48c5-8424-e446196b1d39","finance-manager","es/blog/role/finance-manager",0,[],"bec0b063-2fa8-44a2-aefc-e1335f13ea22","2024-11-14T16:29:40.515Z",[],"blog/role/finance-manager",[59,60,61],{"path":57,"name":25,"lang":37,"published":25},{"path":57,"name":25,"lang":39,"published":25},{"path":57,"name":25,"lang":32,"published":25},{"name":63,"created_at":64,"published_at":16,"updated_at":65,"id":66,"uuid":67,"content":68,"slug":70,"full_slug":71,"sort_by_date":25,"position":52,"tag_list":72,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":73,"first_published_at":74,"release_id":25,"lang":32,"path":25,"alternates":75,"default_full_slug":76,"translated_slugs":77,"_stopResolving":41},"Accountant","2022-09-19T13:36:28.660Z","2026-03-12T10:47:19.576Z",190903620,"27d61cde-0093-4c00-be8d-5cda47ef9ed7",{"_uid":49,"name":69,"component":22},"Accountants","accountants","es/blog/role/accountants",[],"08848a19-819c-4c13-a216-e645ec1fe12a","2022-11-02T15:24:19.056Z",[],"blog/role/accountants",[78,79,80],{"path":76,"name":25,"lang":37,"published":25},{"path":76,"name":25,"lang":39,"published":25},{"path":76,"name":25,"lang":32,"published":25},{"name":82,"created_at":83,"published_at":16,"updated_at":84,"id":85,"uuid":86,"content":87,"slug":91,"full_slug":92,"sort_by_date":25,"position":93,"tag_list":94,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":95,"first_published_at":96,"release_id":25,"lang":32,"path":25,"alternates":97,"default_full_slug":98,"translated_slugs":99,"_stopResolving":41},"Budget manager","2022-10-19T16:17:12.879Z","2026-03-12T10:47:19.777Z",206109932,"af79d1a6-f01f-43eb-aa41-6f9705b93e01",{"_uid":88,"name":89,"component":22,"hubspotId":90},"fe9819d0-b5da-4a13-9120-3050ce8baea9","Budget owner or manager","","budget-manager","es/blog/role/budget-manager",-20,[],"b04d86a8-2a32-4b6e-b3de-8639e5557b83","2022-10-19T16:17:56.630Z",[],"blog/role/budget-manager",[100,101,102],{"path":98,"name":25,"lang":37,"published":25},{"path":98,"name":25,"lang":39,"published":25},{"path":98,"name":25,"lang":32,"published":25},{"name":104,"created_at":105,"published_at":16,"updated_at":106,"id":107,"uuid":108,"content":109,"slug":110,"full_slug":111,"sort_by_date":25,"position":52,"tag_list":112,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":113,"first_published_at":114,"release_id":25,"lang":32,"path":25,"alternates":115,"default_full_slug":116,"translated_slugs":117,"_stopResolving":41},"Financial Controller","2024-11-14T16:28:28.920Z","2026-03-12T10:48:03.955Z",579107717,"ef8ab7b7-f3c6-41c4-8363-45848989042c",{"_uid":49,"name":104,"component":22},"financial-controller","es/blog/role/financial-controller",[],"95642eaf-2539-4d06-bbba-8fc9ba64af2b","2024-11-14T16:29:42.813Z",[],"blog/role/financial-controller",[118,119,120],{"path":116,"name":25,"lang":37,"published":25},{"path":116,"name":25,"lang":39,"published":25},{"path":116,"name":25,"lang":32,"published":25},{"name":122,"created_at":123,"published_at":16,"updated_at":124,"id":125,"uuid":126,"content":127,"slug":128,"full_slug":129,"sort_by_date":25,"position":93,"tag_list":130,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":131,"first_published_at":132,"release_id":25,"lang":32,"path":25,"alternates":133,"default_full_slug":134,"translated_slugs":135,"_stopResolving":41},"Procurement Manager","2024-11-14T16:29:09.651Z","2026-03-12T10:48:04.079Z",579108800,"671fd960-1570-4447-8a26-761c579336c7",{"_uid":88,"name":122,"component":22,"hubspotId":90},"procurement-manager","es/blog/role/procurement-manager",[],"9a63f7ee-0d40-4d71-9a4e-42064e28a0c2","2024-11-14T16:29:33.835Z",[],"blog/role/procurement-manager",[136,137,138],{"path":134,"name":25,"lang":37,"published":25},{"path":134,"name":25,"lang":39,"published":25},{"path":134,"name":25,"lang":32,"published":25},{"name":140,"created_at":141,"published_at":16,"updated_at":142,"id":143,"uuid":144,"content":145,"slug":146,"full_slug":147,"sort_by_date":25,"position":93,"tag_list":148,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":149,"first_published_at":150,"release_id":25,"lang":32,"path":25,"alternates":151,"default_full_slug":152,"translated_slugs":153,"_stopResolving":41},"Treasurer","2024-11-14T16:28:49.038Z","2026-03-12T10:48:04.029Z",579108344,"7fc81bb7-67b3-471b-b326-38b511ad5345",{"_uid":88,"name":140,"component":22,"hubspotId":90},"treasurer","es/blog/role/treasurer",[],"a6ceaa59-c9cd-4d99-8a43-7e2b2d1f03c5","2024-11-14T16:29:38.335Z",[],"blog/role/treasurer",[154,155,156],{"path":152,"name":25,"lang":37,"published":25},{"path":152,"name":25,"lang":39,"published":25},{"path":152,"name":25,"lang":32,"published":25},"Informe Europeo de Gasto 2026: 7.000 millones de euros perdidos al año en SaaS e IA",{"name":159,"created_at":160,"published_at":161,"updated_at":162,"id":163,"uuid":164,"content":165,"slug":203,"full_slug":204,"sort_by_date":25,"position":205,"tag_list":206,"is_startpage":28,"parent_id":207,"meta_data":25,"group_id":208,"first_published_at":209,"release_id":25,"lang":32,"path":25,"alternates":210,"default_full_slug":211,"translated_slugs":212,"_stopResolving":41},"Thomas Clavelloux","2026-10-01T12:07:32.292Z","2026-10-02T08:24:57.034Z","2026-10-02T08:24:57.047Z",225963427012565,"43aa690c-e510-49da-97a8-a30cf54ff338",{"seo":166,"_uid":167,"links":168,"picture":183,"lastName":188,"component":189,"firstName":190,"description":191},[],"88e4340f-e2bc-42fe-a8f0-79dafdd55f97",[169],{"tag":90,"_uid":170,"hide":28,"icon":171,"link":176,"type":180,"label":90,"style":181,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},"ed665346-adba-4f83-a3cf-33b6f63a258e",{"id":172,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":173,"copyright":90,"fieldtype":174,"meta_data":175,"is_external_url":28},16727052,"https://a.storyblok.com/f/146026/32x32/11120c77f2/icon-linkedin-32px-mid-purple-filled.svg","asset",{},{"id":90,"url":177,"linktype":178,"fieldtype":179,"cached_url":177},"https://www.linkedin.com/in/clavelloux/","url","multilink","link","secondary","cta",{"id":184,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":185,"copyright":90,"fieldtype":174,"meta_data":186,"is_external_url":28},226031727700684,"https://a.storyblok.com/f/146026/800x800/422de5b02f/unread-messages-from-spendesk.jpeg",{"size":187},"800x800","Clavelloux","author","Thomas",{"type":192,"attrs":193,"content":194},"doc",{"backgroundColor":25},[195],{"type":196,"attrs":197,"content":199},"paragraph",{"textAlign":25,"key":198},"p-0",[200],{"text":201,"type":202},"Durante los últimos más de 10 años, he experimentado diversos roles de datos en consultoría, empresas en crecimiento y compañías internacionales. Mis capacidades prácticas están equilibradas por varias experiencias de gestión en negocios de rápido crecimiento.","text","thomas-clavelloux","es/blog/author/thomas-clavelloux",-1150,[],176408854,"001dd282-55be-4931-b1db-3cd1f78ca2e9","2026-10-01T12:08:59.516Z",[],"blog/author/thomas-clavelloux",[213,214,215],{"path":211,"name":25,"lang":37,"published":25},{"path":211,"name":25,"lang":39,"published":25},{"path":211,"name":25,"lang":32,"published":25},[217],{"name":218,"created_at":219,"published_at":220,"updated_at":221,"id":222,"uuid":223,"content":224,"slug":234,"full_slug":235,"sort_by_date":25,"position":236,"tag_list":237,"is_startpage":28,"parent_id":238,"meta_data":25,"group_id":239,"first_published_at":240,"release_id":25,"lang":32,"path":25,"alternates":241,"default_full_slug":242,"translated_slugs":243,"_stopResolving":41},"Business strategy","2022-10-19T17:57:56.814Z","2026-09-29T09:14:01.401Z","2026-09-29T09:14:01.416Z",206171429,"676f4f54-172d-4f7f-83b5-0124fa8ff14d",{"seo":225,"_uid":233,"name":218,"component":22},[226],{"_uid":227,"noIndex":28,"component":228,"metaFields":229},"485e21c8-eb63-4b8a-8aef-bd423ea39493","seo",{"_uid":230,"plugin":231,"description":232},"4da8fe1f-b1f6-4523-a801-78b221c9ac68","meta-fields","Reflexiones estrategicas para empresas en crecimiento: escalar operaciones, gestionar la caja y las decisiones que marcan la siguiente etapa.","020a2c50-c7ac-435f-9763-51bb06aa7747","business-strategy","es/blog/topic/business-strategy",-330,[],176456153,"5dd0fceb-96a1-421b-afb5-9ef62ee5f5b1","2022-11-02T15:24:46.447Z",[],"blog/topic/business-strategy",[244,245,246],{"path":242,"name":25,"lang":37,"published":25},{"path":242,"name":25,"lang":39,"published":25},{"path":242,"name":25,"lang":32,"published":25},{"type":192,"attrs":248,"content":249},{"backgroundColor":25},[250,260,291,300,309,319,328,350,359,368,377,386,394,402,411,420,433,442,451,460,468,477,486,495,504,506,514,527,537,546,549,560,569,572,583,592,601,610,613,624,633,642,645,656,665,673,683,692,701,709,720,722,730,738,746,748,759,761,763,774,783,791,800,808,817,819,827,837,846,862,873,881,889,897,906,908,919,927,935,943,951,959,964,969,974,979,985,1000,1007,1010,1018,1024,1031,1037,1044,1050,1057,1063,1070,1076,1083,1089,1096,1102,1109,1115,1123,1132,1135,1145,1148,1158,1161,1171,1174,1183,1192,1201,1210,1236,1245,1254,1269],{"type":196,"attrs":251,"content":252},{"textAlign":25,"key":198},[253],{"text":254,"type":202,"marks":255},"Antes de entrar en el cómo y el porqué, esto es lo que nos mostró el análisis del gasto de 2.500 pymes europeas durante los últimos 12 meses:",[256],{"type":257,"attrs":258},"textStyle",{"color":259},"#000000",{"type":261,"attrs":262},"blok",{"id":263,"body":264},"c858ac55-d1f2-4cbb-9afa-e554dbf5a5e7",[265],{"_uid":266,"text":267,"color":268,"title":269,"backCtas":270,"backMedia":280,"component":290},"i-e71490bd-7905-4bd0-87fb-9ab0d4a25288","🇪🇺 y 🇬🇧 A escala europea:\n\n- Según un modelo aplicado al conjunto de empresas europeas de entre 50 y 249 empleados\\*, la variación de precios por proveedor apunta a una oportunidad de aproximadamente **7.000 millones de euros** al año en el conjunto de mercado.\n- La eliminación de herramientas duplicadas por sí sola podría liberar **3.000 millones de euros** al año en el mercado.\n\n🔍 En la muestra:\n\n- La variación de precios por proveedor entre las pymes europeas representa **entre 69 y 76 millones de euros** al año en gasto recuperable: una prueba de que incluso un software idéntico, comprado por empresas del mismo tamaño, rara vez cuesta lo mismo dos veces.\n- La eliminación de herramientas duplicadas por sí sola podría **liberar 15 millones de euros** si los equipos tuvieran más visibilidad y control sobre cómo se produce ese gasto.\n- **Más de dos tercios** de las empresas que utilizan herramientas de IA ya pagan dos o más productos competidores a la vez, normalmente sin que haya habido una decisión explícita al respecto.\n- El gasto total en IA creció un **340%** en doce meses, incluso aunque el número de empresas que la compraban apenas varió. El coste se acumula dentro de las empresas que ya han dado el paso, en lugar de extenderse a otras nuevas; el discurso sobre la «democratización» de la IA no ha seguido el mismo ritmo.\n- La factura típica de IA fluctúa un **61%** de un mes a otro, y sus meses más caros pueden llegar a costar **hasta ocho veces** más que los más baratos, un patrón para el que ninguna partida presupuestaria fija está diseñada para absorver.\n\n\\*Para obtener detalles sobre el modelado, consulte la sección de Muestra.","purple","Key Takeaways",[271],{"tag":90,"_uid":272,"hide":28,"icon":273,"link":275,"type":90,"label":277,"style":278,"component":182,"mobileLabel":90,"onClickEvent":279,"openInANewTab":28,"horizontalFill":28,"isDownloadable":41},"i-e969f2a3-8fe3-471c-beb1-5ae186632730",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":274},{},{"id":90,"url":276,"linktype":178,"fieldtype":179,"cached_url":276},"https://a.storyblok.com/f/146026/1080x2508/b6f66cc2a7/spanish-agentic-ai-infographics.png","Descargar a tamaño completo","primary","website:report_download:clicked",[281],{"_uid":282,"link":283,"asset":286,"caption":90,"component":289},"i-d0373e80-87b2-46f4-888d-e6dbb279d80a",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},"story","/es/",{"id":287,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":276,"copyright":90,"fieldtype":174,"meta_data":288,"is_external_url":28},226368889922025,{},"image","callout",{"type":196,"attrs":292,"content":294},{"textAlign":25,"key":293},"p-1",[295],{"text":296,"type":202,"marks":297},"Todo director financiero tiene una teoría sobre la proliferación del SaaS, pocos han visto las cifras reales. En Spendesk, esto es lo que hacemos cada día.",[298],{"type":257,"attrs":299},{"color":259},{"type":196,"attrs":301,"content":303},{"textAlign":25,"key":302},"p-2",[304],{"text":305,"type":202,"marks":306},"Esa es la perspectiva que ofrece gestionar una plataforma de gestión del gasto que procesa más de 10.000 millones de euros en pagos B2B en Europa: no vemos lo que las empresas dicen que gastan en software, sino lo que realmente pagan, mes tras mes y herramienta a herramienta. Este informe se basa en doce meses de datos reales de transacciones, facturas, suscripciones y pagos con tarjeta, procedentes de 2.500 empresas europeas anonimizadas y cuidadosamente seleccionadas, de nueve sectores principales y cuatro tramos de tamaño.",[307],{"type":257,"attrs":308},{"color":259},{"type":310,"attrs":311,"content":313},"heading",{"level":312,"textAlign":25},2,[314],{"text":315,"type":202,"marks":316},"La historia central: el ajuste de cuentas del SaaS europeo",[317],{"type":257,"attrs":318},{"color":259},{"type":196,"attrs":320,"content":322},{"textAlign":25,"key":321},"p-3",[323],{"text":324,"type":202,"marks":325},"Las empresas europeas gastan ahora, de media, cerca de 250.000 euros al año en software cada una. Esa cifra lleva años aumentando y casi nadie fuera del área financiera ha tenido que explicar por qué.",[326],{"type":257,"attrs":327},{"color":259},{"type":196,"attrs":329,"content":331},{"textAlign":25,"key":330},"p-4",[332,337,345],{"text":333,"type":202,"marks":334},"Parte de la respuesta es un simple descuido. Las referencias comparativas externas (el SaaS Management Index 2024 de ",[335],{"type":257,"attrs":336},{"color":259},{"text":338,"type":202,"marks":339},"Zylo",[340,343],{"type":180,"attrs":341},{"href":342,"uuid":25,"anchor":25,"target":25,"linktype":178},"https://zylo.com/news/2024-saas-management-index",{"type":257,"attrs":344},{"color":259},{"text":346,"type":202,"marks":347},") idican que, las empresas sólo utilizan el 49% de las licencias que pagan, mes tras mes, porque nadie las ha auditado, reasignado ni se ha preocupado de comprobar su uso..",[348],{"type":257,"attrs":349},{"color":259},{"type":196,"attrs":351,"content":353},{"textAlign":25,"key":352},"p-5",[354],{"text":355,"type":202,"marks":356},"La otra parte está en los precios. El mismo software, vendido a empresas del mismo tamaño, no cuesta lo mismo dos veces. Modelada sobre todas las empresas europeas de entre 50 y 249 empleados, esa brecha representa del orden de 7.000 millones de euros al año. Esta es la zona de riesgo del crecimiento: la plantilla crece más deprisa que la disciplina de compras. Una empresa puede tener más de 30 herramientas SaaS antes de contar con alguien cuyo trabajo sea negociar el precio de una sola de ellas.",[357],{"type":257,"attrs":358},{"color":259},{"type":196,"attrs":360,"content":362},{"textAlign":25,"key":361},"p-6",[363],{"text":364,"type":202,"marks":365},"Las duplicidades se suman a la factura. La mayoría de las empresas que utilizan herramientas de IA pagan ahora dos o más productos competidores a la vez. Lo mismo ocurre con la mayoría de las empresas que utilizan software de diseño. El patrón se repite categoría tras categoría: utilizar tres herramientas con funciones solapadas ha dejado de ser un error para convertirse en la norma.",[366],{"type":257,"attrs":367},{"color":259},{"type":196,"attrs":369,"content":371},{"textAlign":25,"key":370},"p-7",[372],{"text":373,"type":202,"marks":374},"En una factura, parece simplemente una línea más de un proveedor que nadie ha revisado.En otras palabras, el desperdicio es estructural.Las empresas europeas gastan ahora, de media, cerca de 250.000 euros al año en software cada una. Esa cifra lleva años aumentando y casi nadie fuera del área financiera ha tenido que explicar por qué.",[375],{"type":257,"attrs":376},{"color":259},{"type":196,"attrs":378,"content":380},{"textAlign":25,"key":379},"p-8",[381],{"text":382,"type":202,"marks":383},"Parte de la respuesta es un simple descuido. Las referencias comparativas externas (el SaaS Management Index 2024 de Zylo) idican que, las empresas sólo utilizan el 49% de las licencias que pagan, mes tras mes, porque nadie las ha auditado, reasignado ni se ha preocupado de comprobar su uso..",[384],{"type":257,"attrs":385},{"color":259},{"type":196,"attrs":387,"content":389},{"textAlign":25,"key":388},"p-9",[390],{"text":355,"type":202,"marks":391},[392],{"type":257,"attrs":393},{"color":259},{"type":196,"attrs":395,"content":397},{"textAlign":25,"key":396},"p-10",[398],{"text":364,"type":202,"marks":399},[400],{"type":257,"attrs":401},{"color":259},{"type":196,"attrs":403,"content":405},{"textAlign":25,"key":404},"p-11",[406],{"text":407,"type":202,"marks":408},"En una factura, parece simplemente una línea más de un proveedor que nadie ha revisado.En otras palabras, el desperdicio es estructural.",[409],{"type":257,"attrs":410},{"color":259},{"type":310,"attrs":412,"content":414},{"level":413,"textAlign":25},3,[415],{"text":416,"type":202,"marks":417},"Por qué la IA cambia el problema del control: el gasto basado en uso puede crecer más rápido que los presupuestos",[418],{"type":257,"attrs":419},{"color":259},{"type":261,"attrs":421},{"id":422,"body":423},"3276ae00-274a-46a1-8b0f-e494bac7efdc",[424],{"_uid":425,"link":426,"asset":427,"caption":90,"component":289},"i-5b8e443c-fd9a-4d43-9fea-b07014d44b35",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":428,"alt":429,"name":90,"focus":90,"title":90,"source":90,"filename":430,"copyright":90,"fieldtype":174,"meta_data":431,"is_external_url":28},225669404233317,"Gasto mensual en proveedores de IA","https://a.storyblok.com/f/146026/3840x2496/34fd384692/gasto-mensual-en-proveedores-de-ia.png",{"alt":429,"size":432},"3840x2496",{"type":196,"attrs":434,"content":436},{"textAlign":25,"key":435},"p-12",[437],{"text":438,"type":202,"marks":439},"Lo que diferencia este momento de los ciclos anteriores de proliferación del SaaS es la IA, y el cambio se está produciendo rápidamente.",[440],{"type":257,"attrs":441},{"color":259},{"type":196,"attrs":443,"content":445},{"textAlign":25,"key":444},"p-13",[446],{"text":447,"type":202,"marks":448},"Hace un año, OpenAI era el líder indiscutible del gasto en proveedores de IA entre las empresas europeas, muy por delante de todos los demás. A principios de 2026, Anthropic lo había adelantado: el gasto solo en Anthropic creció más de siete veces durante la segunda mitad del periodo de doce meses, mientras que el gasto en OpenAI se estabilizó y después retrocedió. La factura de Cursor se duplicó con creces durante el mismo periodo. Dust, Lovable y Mistral apenas aparecen todavía, pero a este ritmo no tardarán en hacerlo.",[449],{"type":257,"attrs":450},{"color":259},{"type":196,"attrs":452,"content":454},{"textAlign":25,"key":453},"p-14",[455],{"text":456,"type":202,"marks":457},"Las facturas del SaaS tradicional no evolucionan así. Una factura de Figma de 500 euros al mes sigue siendo de 500 euros el mes siguiente. La facturación de la IA aumenta con cada indicación, cada agente y cada flujo de trabajo automatizado, lo que hace que la propia factura sea impredecible de una forma que los equipos financieros nunca habían tenido que prever. No hay una fecha de renovación que active una revisión ni una partida presupuestaria preparada para absorber una oscilación de varias veces su importe habitual. El gasto se acumula hasta que alguien se da cuenta, y para entonces ya se ha multiplicado.",[458],{"type":257,"attrs":459},{"color":259},{"type":310,"attrs":461,"content":462},{"level":413,"textAlign":25},[463],{"text":464,"type":202,"marks":465},"Cómo pueden los equipos financieros europeos reducir el desperdicio en SaaS y controlar la IA",[466],{"type":257,"attrs":467},{"color":259},{"type":196,"attrs":469,"content":471},{"textAlign":25,"key":470},"p-15",[472],{"text":473,"type":202,"marks":474},"La ventana para adelantarse a esta situación se está cerrando, y la ventaja se acumula para quien actúe primero.",[475],{"type":257,"attrs":476},{"color":259},{"type":196,"attrs":478,"content":480},{"textAlign":25,"key":479},"p-16",[481],{"text":482,"type":202,"marks":483},"El primer problema es la falta de referencias comparativas. Los equipos financieros no pueden negociar cuando no saben cuánto pagan otras empresas, y los proveedores de SaaS son conocidos por su opacidad en materia de precios. Conocer el gasto de empresas comparables es el punto de partida, no un extra.",[484],{"type":257,"attrs":485},{"color":259},{"type":196,"attrs":487,"content":489},{"textAlign":25,"key":488},"p-17",[490],{"text":491,"type":202,"marks":492},"El segundo problema es la eficiencia del gasto. A medida que la IA pasa de ser un experimento a convertirse en infraestructura, el coste por resultado es la métrica que separa a las empresas que escalan la IA de forma rentable de las que simplemente aumentan su gasto en IA. A las herramientas que resolvieron la proliferación del SaaS en la década de 2010 ahora se les pide algo más difícil: pasar de controlar licencias a controlar el consumo. Las empresas que traten el gasto en IA como un recurso estratégico, y no como una partida secundaria, serán las que tomen la delantera frente a la competencia durante los próximos doce meses.",[493],{"type":257,"attrs":494},{"color":259},{"type":196,"attrs":496,"content":498},{"textAlign":25,"key":497},"p-18",[499],{"text":500,"type":202,"marks":501},"Este informe analiza cuatro áreas en las que los equipos financieros pueden encontrar ahorros reales. Hay algo que nunca deja de sorprendernos: casi todos los equipos financieros con los que hablamos creen que su empresa ya opera con la máxima eficiencia posible. Los datos que siguen dicen lo contrario.",[502],{"type":257,"attrs":503},{"color":259},{"type":310,"attrs":505},{"level":413,"textAlign":25},{"type":310,"attrs":507,"content":508},{"level":312,"textAlign":25},[509],{"text":510,"type":202,"marks":511},"1. La misma herramienta, el mismo tamaño y facturas radicalmente distintas",[512],{"type":257,"attrs":513},{"color":259},{"type":196,"attrs":515,"content":517},{"textAlign":25,"key":516},"p-19",[518],{"text":519,"type":202,"marks":520},"Conclusión clave: las empresas europeas podrían estar pagando de más 7.000 millones de euros al año por SaaS",[521,523,525],{"type":257,"attrs":522},{"color":259},{"type":524},"bold",{"type":526},"italic",{"type":196,"attrs":528,"content":530},{"textAlign":25,"key":529},"p-20",[531],{"text":532,"type":202,"marks":533},"Spendesk comparó el gasto mensual por empleado en proveedores SaaS habituales con precio por usuario, controlando al mismo tiempo el tamaño de la empresa. El análisis detectó aproximadamente 69 millones de euros de pagos excesivos anuales en las 2.500 empresas estudiadas, que a menudo pagaban entre dos y cuatro veces más que los compradores con mayor disciplina por el mismo software.",[534,536],{"type":257,"attrs":535},{"color":259},{"type":526},{"type":196,"attrs":538,"content":540},{"textAlign":25,"key":539},"p-21",[541],{"text":542,"type":202,"marks":543},"Los proveedores de software publican precios. Lo que las empresas pagan realmente no siempre corresponde con ellos. En más de 35 de las herramientas SaaS más habituales con precio por usuario, medimos cuánto paga cada empresa por empleado y mes por exactamente el mismo producto, y después comparamos cada empresa con el cuartil de compradores más disciplinados de su misma escala. Lo que queda después de controlar el número de empleados es el pago excesivo: aproximadamente 69 millones de euros al año, o unos 40.000 euros por cada empresa que paga de más.",[544],{"type":257,"attrs":545},{"color":259},{"type":196,"attrs":547},{"textAlign":25,"key":548},"p-22",{"type":261,"attrs":550},{"id":422,"body":551},[552],{"_uid":553,"link":554,"asset":555,"caption":90,"component":289},"i-0377327c-0e11-4151-b810-5002f11d2bdd",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":556,"alt":557,"name":90,"focus":90,"title":90,"source":90,"filename":558,"copyright":90,"fieldtype":174,"meta_data":559,"is_external_url":28},225669774687878,"Top 5 proveedores con mayor potencial de ahorro","https://a.storyblok.com/f/146026/3840x2496/b1fc5dd3c0/top-5-proveedores-con-mayor-potencial-de-ahorro.png",{"alt":557},{"type":196,"attrs":561,"content":563},{"textAlign":25,"key":562},"p-23",[564],{"text":565,"type":202,"marks":566},"Ese ajuste por tamaño es el punto clave. La objeción evidente es que las empresas grandes simplemente pagan más, y es cierto: una empresa de 200 personas siempre gastará más en Slack que una de 20. Eso es exactamente lo que corregimos. Si se toma como referencia el gasto por empleado, la variación apenas se reduce. Atlassian muestra una brecha de 2 frente a 12 euros por persona; Notion, de 2 frente a 7 euros; y HubSpot, de 6 frente a 24 euros. En todos los casos, hay una brecha de entre tres y seis veces por empleado que el número de empleados no puede explicar.",[567],{"type":257,"attrs":568},{"color":259},{"type":196,"attrs":570},{"textAlign":25,"key":571},"p-24",{"type":261,"attrs":573},{"id":422,"body":574},[575],{"_uid":576,"link":577,"asset":578,"caption":90,"component":289},"i-3e4a8473-e06b-4dba-8e87-5b612b2db894",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":579,"alt":580,"name":90,"focus":90,"title":90,"source":90,"filename":581,"copyright":90,"fieldtype":174,"meta_data":582,"is_external_url":28},225669986528920,"La misma herramienta, precios muy distintos","https://a.storyblok.com/f/146026/3840x2496/d892d382e8/la-misma-herramienta-precios-muy-distintos.png",{"alt":580},{"type":196,"attrs":584,"content":586},{"textAlign":25,"key":585},"p-25",[587],{"text":588,"type":202,"marks":589},"Esto no es una cuestión de composición de la cartera. Las grandes diferencias en un proveedor como Adobe o Atlassian pueden explicarse en parte por la amplitud del producto, pero cuando una herramienta de un solo producto como Slack muestra una diferencia de tres veces por empleado entre los compradores disciplinados y los habituales, la explicación reside casi por completo en la falta de transparencia de los niveles de plan y en la negociación, o en su ausencia.",[590],{"type":257,"attrs":591},{"color":259},{"type":196,"attrs":593,"content":595},{"textAlign":25,"key":594},"p-26",[596],{"text":597,"type":202,"marks":598},"Las empresas que pagan en la parte alta del rango no están comprando un producto distinto ni son simplemente más grandes. Están comprando la misma herramienta, a la misma escala, con una negociación diferente, o sin haber negociado nunca. La diferencia se reduce a cuándo revisaron el contrato por última vez, cuántas plazas asignaron frente a cuántas utilizan realmente y si alguien del área financiera llegó a cuestionarlo. No tienen forma de saber que pagan de más, porque los proveedores publican, como mucho, una cifra genérica. Nunca publican lo que pagan los distintos grupos de empresas comparables.",[599],{"type":257,"attrs":600},{"color":259},{"type":196,"attrs":602,"content":604},{"textAlign":25,"key":603},"p-27",[605],{"text":606,"type":202,"marks":607},"Nota sobre la muestra: excluimos deliberadamente de esta figura a los proveedores de nube con precios basados en el consumo (AWS, OVH, Scaleway y Gandi). Sus facturas crecen con el uso, no con el número de plazas, por lo que una referencia por empleado no aísla la disciplina de precios como sí lo hace en el caso del SaaS. Medidos sobre la misma base, añadirían otros 7,1 millones de euros, pero los presentamos por separado en lugar de integrarlos en la cifra principal.",[608],{"type":257,"attrs":609},{"color":259},{"type":196,"attrs":611},{"textAlign":25,"key":612},"p-28",{"type":261,"attrs":614},{"id":422,"body":615},[616],{"_uid":617,"link":618,"asset":619,"caption":90,"component":289},"i-fff5ffb6-91f5-4805-a85c-5e7a51bb30a3",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":620,"alt":621,"name":90,"focus":90,"title":90,"source":90,"filename":622,"copyright":90,"fieldtype":174,"meta_data":623,"is_external_url":28},225670361083563,"El control de precios empeora año tras año","https://a.storyblok.com/f/146026/3840x2496/4457a1ddbe/el-control-de-precios-empeora-ano-tras-ano.png",{"alt":621,"size":432},{"type":196,"attrs":625,"content":627},{"textAlign":25,"key":626},"p-29",[628],{"text":629,"type":202,"marks":630},"El volumen de pagos excesivos de 67 millones de euros no se reduce a medida que madura el mercado: se mantiene obstinadamente plano interanual, incluso aunque hayan bajado las tarifas medianas de SaaS. La composición cambia entre proveedores, la brecha de HubSpot aumentó en 1,1 millones de euros y la de Atlassian se redujo en 1,4 millones, pero la dispersión total se mantiene. El pago excesivo es estructural, no una ineficiencia pasajera.",[631],{"type":257,"attrs":632},{"color":259},{"type":310,"attrs":634,"content":635},{"level":413,"textAlign":25},[636],{"text":637,"type":202,"marks":638},"Por mercado: las diferencias en la disciplina de precios cruza fronteras",[639,641],{"type":257,"attrs":640},{"color":259},{"type":524},{"type":196,"attrs":643},{"textAlign":25,"key":644},"p-30",{"type":261,"attrs":646},{"id":422,"body":647},[648],{"_uid":649,"link":650,"asset":651,"caption":90,"component":289},"i-951177b4-d928-4200-806d-b655fcd712d8",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":652,"alt":653,"name":90,"focus":90,"title":90,"source":90,"filename":654,"copyright":90,"fieldtype":174,"meta_data":655,"is_external_url":28},225670613782197,"Factura mensual de Figma por empresa, por mercado","https://a.storyblok.com/f/146026/3840x2496/20ecbe18c1/factura-mensual-de-figma-por-empresa-por-mercado.png",{"alt":653},{"type":196,"attrs":657,"content":659},{"textAlign":25,"key":658},"p-31",[660],{"text":661,"type":202,"marks":662},"Allá donde miremos, la misma herramienta se compra a precios radicalmente distintos y ningún mercado lo ha resuelto. Figma es un ejemplo claro: un único producto, con un modelo de precios complejo basado en distintos tipos de plazas y duraciones de contrato, que se vende a equipos de diseño de todo el mundo. Sin embargo, en todos los mercados analizados, la empresa mediana paga unos 200 euros al mes, mientras que el cuartil que más paga abona unos 1.500 euros: una diferencia de entre 6 y 9 veces dentro de cada geografía, para un único proveedor. El Reino Unido es el mercado más disciplinado: presenta la mediana más alta, pero la menor dispersión y el menor número de empresas que pagan cantidades extremas. Francia y Alemania tienen medianas más bajas, pero una cola más larga de empresas que pagan mucho de más.",[663],{"type":257,"attrs":664},{"color":259},{"type":310,"attrs":666,"content":667},{"level":312,"textAlign":25},[668],{"text":669,"type":202,"marks":670},"2. La eliminación de herramientas duplicadas por sí sola podría liberar 3.000 millones de euros al año",[671],{"type":257,"attrs":672},{"color":259},{"type":196,"attrs":674,"content":675},{"textAlign":25,"key":198},[676],{"text":677,"type":202,"marks":678},"Conclusión clave: la duplicación de herramientas cuesta a las empresas europeas 3.000 millones de euros al año.",[679,681,682],{"type":257,"attrs":680},{"color":259},{"type":524},{"type":526},{"type":196,"attrs":684,"content":685},{"textAlign":25,"key":293},[686],{"text":687,"type":202,"marks":688},"Spendesk analizó el solapamiento de suscripciones entre distintas categorías de software a partir de sus datos de transacciones. El análisis identificó cerca de 15 millones de euros anuales de gasto recuperable por herramientas duplicadas dentro de la muestra, una cifra que, extrapolada al conjunto de Europa, ascendería a 3.000 millones de euros al año.",[689,691],{"type":257,"attrs":690},{"color":259},{"type":526},{"type":196,"attrs":693,"content":694},{"textAlign":25,"key":302},[695],{"text":696,"type":202,"marks":697},"Más de dos tercios de este gasto se concentra en herramientas de IA y diseño, dos categorías en las que el 72 % y el 64 % de las empresas, respectivamente, pagan por dos o más soluciones que compiten entre sí.",[698,700],{"type":257,"attrs":699},{"color":259},{"type":526},{"type":196,"attrs":702,"content":703},{"textAlign":25,"key":321},[704],{"text":705,"type":202,"marks":706},"El 72% de las empresas que utilizan herramientas de IA paga dos o más productos competidores. En el caso de las herramientas de diseño, la cifra es del 64%. Cuando las empresas compran software, rara vez racionalizan lo que ya tienen: lo que hacen es añadir más. Las duplicidades no son la señal de unos pocos casos atípicos con una mala gobernanza, sino la norma estadística en casi todas las categorías que analizamos.",[707],{"type":257,"attrs":708},{"color":259},{"type":261,"attrs":710},{"id":422,"body":711},[712],{"_uid":713,"link":714,"asset":715,"caption":90,"component":289},"i-620d10dd-a959-4de3-be19-c691932975e2",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":716,"alt":717,"name":90,"focus":90,"title":90,"source":90,"filename":718,"copyright":90,"fieldtype":174,"meta_data":719,"is_external_url":28},225670821519039,"La duplicidad es la norma, no la excepción","https://a.storyblok.com/f/146026/3840x2496/e59b9ed0f2/la-duplicidad-es-la-norma-no-la-excepcion.png",{"alt":717},{"type":196,"attrs":721},{"textAlign":25,"key":330},{"type":196,"attrs":723,"content":724},{"textAlign":25,"key":352},[725],{"text":726,"type":202,"marks":727},"Las categorías con las tasas de duplicidad más altas son también las que crecen más deprisa: IA y diseño. No es una coincidencia. Las categorías que evolucionan rápidamente fomentan una conducta de compra basada en probar primero el producto de forma gratuita, y esas pruebas tienden a convertirse en suscripciones permanentes que nadie llega a cancelar.",[728],{"type":257,"attrs":729},{"color":259},{"type":196,"attrs":731,"content":732},{"textAlign":25,"key":361},[733],{"text":734,"type":202,"marks":735},"Para el área financiera, la conclusión no es «detener a los malos actores», sino «arreglar el proceso». Sin una racionalización estructurada de proveedores, el comportamiento natural de cada equipo es seguir añadiendo herramientas, y cuando llega el momento de reducir el presupuesto, resulta más fácil hacerlo cuando se sabe por dónde empezar.",[736],{"type":257,"attrs":737},{"color":259},{"type":196,"attrs":739,"content":740},{"textAlign":25,"key":370},[741],{"text":742,"type":202,"marks":743},"En Spendesk tampoco somos inmunes a esto. Pagamos tanto Dust como Claude, dos herramientas de asistencia basadas en IA, porque las utilizamos para tareas diferentes. La diferencia es que el área financiera lo sabe y lo ha aprobado; nadie está cargando en secreto licencias duplicadas como gasto. Tenemos controles precisamente por este motivo y, si alguna vez necesitamos reducir costes, sabemos por dónde empezar.",[744],{"type":257,"attrs":745},{"color":259},{"type":196,"attrs":747},{"textAlign":25,"key":379},{"type":261,"attrs":749},{"id":750,"body":751},"0ed12b19-5530-488b-90bd-3fc015f1b557",[752],{"_uid":753,"name":754,"role":90,"image":755,"quote":757,"component":758},"i-8039cf35-319d-4463-871f-c3fd4b2e31b3","Pauline Bellee Babel, directora financiera de Spendesk",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":174,"meta_data":756,"is_external_url":28},{},"«No me preocupa que dos herramientas de IA hagan tareas que se solapan. El problema son dos herramientas de IA que nadie del área financiera ha aprobado. Dust y Claude figuran en nuestras cuentas porque decidimos que así debía ser, con el uso monitorizado, un responsable del gasto asignado y un motivo claro para mantener cada una. Ese es el criterio: no eliminar todas las duplicidades, sino eliminar las duplicidades sobre las que no existe visibilidad.»","quote",{"type":196,"attrs":760},{"textAlign":25,"key":388},{"type":196,"attrs":762},{"textAlign":25,"key":396},{"type":261,"attrs":764},{"id":765,"body":766},"e04cb598-56a6-4fd0-8e78-1e519d1ce230",[767],{"_uid":768,"link":769,"asset":770,"caption":90,"component":289},"i-a72d6205-8ec6-49aa-b611-e4cba39c7f3f",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":771,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":772,"copyright":90,"fieldtype":174,"meta_data":773,"is_external_url":28},226253151654513,"https://a.storyblok.com/f/146026/3840x2496/cf4fd73341/how-each-ai-tool-grew_-more-buyers-vs-deeper-spend.png",{},{"type":196,"attrs":775,"content":776},{"textAlign":25,"key":404},[777],{"text":778,"type":202,"marks":779},"Año tras año: las duplicidades se duplicaron a medida que se generaliza la experimentación con IA, pero sin que se haya decidido todavía con qué herramienta quedarse.",[780,782],{"type":257,"attrs":781},{"color":259},{"type":524},{"type":196,"attrs":784,"content":785},{"textAlign":25,"key":435},[786],{"text":787,"type":202,"marks":788},"Hace un año, la empresa típica que utilizaba modelos de lenguaje de gran tamaño trabajaba con un único modelo: solo el 29% utilizaba varios modelos competidores. Hoy la mediana es de dos y el 65% utiliza dos o más herramientas. La adopción de varios modelos se duplicó con creces en doce meses, pasando de ser la excepción a convertirse en la norma, y el gasto duplicado asociado creció de 0,3 a 4,5 millones de euros a medida que los proyectos piloto se convertían en plazas de pago. Esto refleja que los modelos se especializan por disciplina: una empresa puede estandarizar uno para el trabajo general, otro para programar y un tercero para el razonamiento entre equipos.",[789],{"type":257,"attrs":790},{"color":259},{"type":196,"attrs":792,"content":793},{"textAlign":25,"key":444},[794],{"text":795,"type":202,"marks":796},"Por mercado: una historia de escala frente a disciplina",[797,799],{"type":257,"attrs":798},{"color":259},{"type":524},{"type":196,"attrs":801,"content":802},{"textAlign":25,"key":453},[803],{"text":804,"type":202,"marks":805},"Francia concentra el mayor volumen en euros y, aún así, es el mercado más disciplinado. Francia tiene la tasa de duplicidad más baja de los cuatro mercados: el 63% de quienes gastan en software utilizan dos o más proveedores competidores en una categoría, frente al 74–77% de Alemania y el Reino Unido. Alemania y el Reino Unido son los verdaderos focos de duplicidades, y el gasto se concentra especialmente en el Reino Unido: cada empresa británica con duplicidades deja escapar aproximadamente 12.400 euros al año, frente a 9.800 euros en Alemania y 9.100 euros en Francia.",[806],{"type":257,"attrs":807},{"color":259},{"type":261,"attrs":809},{"id":750,"body":810},[811],{"_uid":812,"name":813,"role":90,"image":814,"quote":816,"component":758},"i-135a0e1c-2d35-4ef1-b1f7-afe61d68787c","Responsable financiero de Retail Insight",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":815},{},"«Creo que la respuesta es que no sabemos lo que no sabemos... No queremos pagar dos veces por un software que hace lo mismo. Tampoco queremos llegar a otra renovación sin saber que se acercaba ni haberla preparado con varios meses de antelación.»",{"type":196,"attrs":818},{"textAlign":25,"key":470},{"type":310,"attrs":820,"content":821},{"level":312,"textAlign":25},[822],{"text":823,"type":202,"marks":824},"3. Gasto europeo en IA: un aumento enorme y un desperdicio enorme",[825],{"type":257,"attrs":826},{"color":259},{"type":196,"attrs":828,"content":829},{"textAlign":25,"key":479},[830],{"text":831,"type":202,"marks":832},"Conclusión clave: las facturas europeas de IA pueden variar más de siete veces de un mes a otro, lo que dificulta las previsiones",[833,835,836],{"type":257,"attrs":834},{"color":259},{"type":524},{"type":526},{"type":196,"attrs":838,"content":839},{"textAlign":25,"key":488},[840],{"text":841,"type":202,"marks":842},"El gasto en IA es muy volátil entre las empresas europeas. El análisis de Spendesk muestra que la factura mensual de IA de la empresa mediana variaba aproximadamente un 61% de un mes a otro, mientras que su factura mensual más alta era más de siete veces superior a la más baja durante el periodo de la muestra. Entre las 1.347 empresas con al menos tres meses consecutivos de gasto en IA, el 60% mostró una gran variación intermensual, lo que genera un problema de previsión para los equipos financieros.",[843,845],{"type":257,"attrs":844},{"color":259},{"type":526},{"type":196,"attrs":847,"content":848},{"textAlign":25,"key":497},[849,855,859],{"text":850,"type":202,"marks":851},"Un mejor seguimiento del gasto en IA es, por sí mismo, una palanca de ahorro: el uso descontrolado de tokens solo se hace visible y controlable cuando se supervisa realmente la variación.",[852,854],{"type":257,"attrs":853},{"color":259},{"type":526},{"type":856,"marks":857},"hard_break",[858],{"type":526},{"type":856,"marks":860},[861],{"type":526},{"type":261,"attrs":863},{"id":422,"body":864},[865],{"_uid":866,"link":867,"asset":868,"caption":90,"component":289},"i-10b392b7-2801-47c3-aa83-c15678965a21",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":869,"alt":870,"name":90,"focus":90,"title":90,"source":90,"filename":871,"copyright":90,"fieldtype":174,"meta_data":872,"is_external_url":28},225671553920729,"El gasto en IA no deja de variar","https://a.storyblok.com/f/146026/3840x2496/22753680bc/el-gasto-en-ia-no-deja-de-variar.png",{"alt":870},{"type":196,"attrs":874,"content":875},{"textAlign":25,"key":516},[876],{"text":877,"type":202,"marks":878},"La factura mensual de IA de la empresa mediana oscila un ±61% de un mes a otro, y el 60% de las empresas con un uso de IA relativamente estable tiene facturas muy variables. Los precios basados en el uso son una ventaja para los proveedores. Para los equipos financieros, son un problema de previsión.",[879],{"type":257,"attrs":880},{"color":259},{"type":196,"attrs":882,"content":883},{"textAlign":25,"key":529},[884],{"text":885,"type":202,"marks":886},"De la muestra de 2.500 empresas, analizamos 1.347 que tenían al menos tres meses consecutivos de gasto en IA y medimos cuánto variaron sus facturas. En la empresa típica, el mes de mayor gasto supera en más de 6,5 veces al de menor gasto, una oscilación que ninguna partida presupuestaria fija puede anticipar. Este tipo de volatilidad no aparece en un modelo presupuestario tradicional de SaaS, porque esos modelos presuponen costes mensuales fijos. La IA no se comporta como una suscripción. Se comporta como un servicio basado en el consumo cuyo contador no está a la vista.",[887],{"type":257,"attrs":888},{"color":259},{"type":196,"attrs":890,"content":891},{"textAlign":25,"key":539},[892],{"text":893,"type":202,"marks":894},"Qué hacer al respecto: la única respuesta fiable a la variación de las facturas basadas en el uso es establecer un límite de gasto con alertas en una tarjeta inteligente, no una partida presupuestaria. Ahí es donde el seguimiento demuestra su valor: un equipo que puede ver la variación en tiempo real detecta el uso descontrolado de tokens en la primera semana, no al cierre del mes. Si se implanta este sistema, la partida de IA deja de depender de conjeturas, en lugar de descubrir la oscilación cuando ya se ha producido. Los equipos financieros que tratan la IA como una suscripción estandarizada están aplicando sistemáticamente un control insuficiente a la partida de gasto en software que crece más deprisa y es menos predecible.",[895],{"type":257,"attrs":896},{"color":259},{"type":196,"attrs":898,"content":899},{"textAlign":25,"key":548},[900],{"text":901,"type":202,"marks":902},"Por mercado: la volatilidad de las facturas de IA no entiende de geografía",[903,905],{"type":257,"attrs":904},{"color":259},{"type":524},{"type":196,"attrs":907},{"textAlign":25,"key":562},{"type":261,"attrs":909},{"id":422,"body":910},[911],{"_uid":912,"link":913,"asset":914,"caption":90,"component":289},"i-9e1bffde-61cb-4a21-be1b-ae6bf2ea1a8f",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":915,"alt":916,"name":90,"focus":90,"title":90,"source":90,"filename":917,"copyright":90,"fieldtype":174,"meta_data":918,"is_external_url":28},225671820594922,"La volatilidad del gasto en IA es similar en todos los mercados","https://a.storyblok.com/f/146026/3840x2496/ef6f881211/la-volatilidad-del-gasto-en-ia-es-similar-en-todos-los-mercados.png",{"alt":916},{"type":196,"attrs":920,"content":921},{"textAlign":25,"key":571},[922],{"text":923,"type":202,"marks":924},"Mientras que la consolidación y la disciplina de precios varían mucho entre mercados, la imprevisibilidad de las facturas no lo hacía.",[925],{"type":257,"attrs":926},{"color":259},{"type":196,"attrs":928,"content":929},{"textAlign":25,"key":585},[930],{"text":931,"type":202,"marks":932},"Todos los mercados se sitúan dentro de una estrecha banda de variación mediana del 55–65%, y entre el 55% y el 61% de las empresas tienen facturas muy variables. No hay ningún mercado disciplinado que señalar ni ningún caso atípico al que atribuirlo.",[933],{"type":257,"attrs":934},{"color":259},{"type":196,"attrs":936,"content":937},{"textAlign":25,"key":594},[938],{"text":939,"type":202,"marks":940},"Las pequeñas diferencias siguen una dirección conocida: una oscilación mediana del 65% en los mercados más pequeños del «resto de Europa», el grupo más volátil. Alemania es el mercado más estable (56%) y el Reino Unido el más expuesto (con la mayor proporción de facturas muy variables, un 62%), pero «más estable» sigue significando que más de la mitad de las empresas tienen facturas de IA que oscilan más de la mitad de un mes a otro.",[941],{"type":257,"attrs":942},{"color":259},{"type":196,"attrs":944,"content":945},{"textAlign":25,"key":603},[946],{"text":947,"type":202,"marks":948},"La uniformidad es precisamente el mensaje: las brechas de consolidación y precios son conductuales y pueden cerrarse con disciplina; la volatilidad es estructural, una propiedad de la facturación basada en el uso. Por eso aparece de forma casi idéntica en París, Londres, Berlín y cualquier otro lugar, y por eso no se puede resolver presupuestando una factura basada en el consumo: solo puede gestionarse al añadir una capa de control.",[949],{"type":257,"attrs":950},{"color":259},{"type":196,"attrs":952,"content":953},{"textAlign":25,"key":612},[954],{"text":955,"type":202,"marks":956},"Un límite de gasto con alertas en tiempo real funciona en todos los mercados porque el problema que resuelve existe en todos ellos. Spendesk ayuda a las empresas europeas medianas a resolver sus problemas de gestión del gasto al reunir todo su gasto en un único lugar, para que los equipos financieros ganen control y visibilidad sin convertirse en un cuello de botella.",[957],{"type":257,"attrs":958},{"color":259},{"type":310,"attrs":960,"content":961},{"level":312,"textAlign":25},[962],{"text":963,"type":202},"4. Cómo puede ayudar Spendesk a controlar el gasto",{"type":196,"attrs":965,"content":966},{"textAlign":25,"key":626},[967],{"text":968,"type":202},"La solución no pasa por impedir que los equipos utilicen software o herramientas de IA, sino por hacer que ese gasto sea visible, intencionado y esté vinculado a resultados de negocio. Todo empieza por tener una visión clara y unificada de las suscripciones, las facturas y los pagos con tarjeta, asociando cada herramienta a un responsable, un equipo, una finalidad, una fecha de renovación y, siempre que sea posible, a su uso real. Así, Finanzas puede detectar duplicidades, renovaciones sin gestionar o aumentos inesperados en el uso de IA antes de que se conviertan en un gasto recurrente.",{"type":196,"attrs":970,"content":971},{"textAlign":25,"key":644},[972],{"text":973,"type":202},"El control es especialmente importante cuando el gasto es variable. En el caso del SaaS con costes fijos, los procesos de aprobación y las revisiones antes de cada renovación pueden evitar que se mantengan licencias sin utilizar o herramientas duplicadas. En el caso de la IA basada en consumo, los límites de gasto y las alertas en tiempo real permiten detectar cuanto antes aumentos inusuales. De este modo, Finanzas cuenta con una capa de control práctica sin convertir cada compra en un cuello de botella.",{"type":196,"attrs":975,"content":976},{"textAlign":25,"key":658},[977],{"text":978,"type":202},"Pero la visibilidad solo aporta valor si ayuda a tomar mejores decisiones. El siguiente paso es relacionar el gasto en software e IA con los resultados del negocio: el tiempo ahorrado, el trabajo generado, los clientes atendidos o los ingresos que contribuye a generar. Puede tener sentido mantener una herramienta aunque se solape con otra, siempre que su función esté clara y sea posible medir su valor. La pregunta no debería ser simplemente «¿qué podemos recortar?», sino «¿qué está ayudando a conseguir este gasto para el negocio?». Aquí es donde entra Spendesk, reuniendo pagos, aprobaciones e informes en un mismo lugar para que Finanzas y el resto de los equipos puedan tomar decisiones basadas en una misma visión de los datos.",{"type":196,"attrs":980,"content":982},{"textAlign":25,"key":981},"p-32",[983],{"text":984,"type":202},"Con los controles adecuados, Finanzas puede fomentar la experimentación sin permitir que se convierta en gasto invisible. Los equipos mantienen las herramientas que necesitan y Finanzas conserva el contexto, los límites y la confianza necesarios para ampliar lo que funciona.",{"type":196,"attrs":986,"content":988},{"textAlign":25,"key":987},"p-33",[989,991,998],{"text":990,"type":202},"Ponte en contacto con el ",{"text":992,"type":202,"marks":993},"equipo de Spendesk",[994],{"type":180,"attrs":995},{"href":996,"uuid":25,"anchor":25,"target":997,"linktype":178},"https://spendesk-staging.netlify.app/es/schedule-a-demo/","_self",{"text":999,"type":202}," para obtener más información.",{"type":310,"attrs":1001,"content":1002},{"level":312,"textAlign":25},[1003],{"text":1004,"type":202,"marks":1005},"Preguntas frecuentes",[1006],{"type":524},{"type":196,"attrs":1008},{"textAlign":25,"key":1009},"p-34",{"type":310,"attrs":1011,"content":1013},{"level":1012,"textAlign":25},4,[1014],{"text":1015,"type":202,"marks":1016},"¿Qué es la gestión del gasto en SaaS y por qué es importante para los equipos financieros?",[1017],{"type":524},{"type":196,"attrs":1019,"content":1021},{"textAlign":25,"key":1020},"p-35",[1022],{"text":1023,"type":202},"La gestión del gasto en SaaS consiste en hacer seguimiento, aprobar, controlar y revisar las suscripciones de software de una empresa. Permite a los equipos financieros saber quién es responsable de cada herramienta, cuánto cuesta, si se está utilizando y cuándo debe renovarse. Así, las empresas pueden detectar gasto innecesario, comparar precios y evitar renovaciones que no aportan valor.",{"type":310,"attrs":1025,"content":1026},{"level":1012,"textAlign":25},[1027],{"text":1028,"type":202,"marks":1029},"¿Cuánto gastan las empresas europeas en software SaaS?",[1030],{"type":524},{"type":196,"attrs":1032,"content":1034},{"textAlign":25,"key":1033},"p-36",[1035],{"text":1036,"type":202},"Según el estudio de Spendesk, la empresa europea media de la muestra gasta casi 250.000 € al año en software.",{"type":310,"attrs":1038,"content":1039},{"level":1012,"textAlign":25},[1040],{"text":1041,"type":202,"marks":1042},"¿Cómo pueden los equipos financieros hacer seguimiento de las suscripciones SaaS de distintos departamentos?",[1043],{"type":524},{"type":196,"attrs":1045,"content":1047},{"textAlign":25,"key":1046},"p-37",[1048],{"text":1049,"type":202},"Los equipos financieros deberían contar con una visión centralizada de las facturas, los pagos con tarjeta y las suscripciones recurrentes, vinculando cada herramienta a un departamento, un responsable del gasto, información sobre su uso y una fecha de renovación. Esto permite sustituir hojas de cálculo dispersas por un proceso coherente para supervisar el gasto en software, preparar las renovaciones e identificar oportunidades para consolidar herramientas o renegociar contratos.",{"type":310,"attrs":1051,"content":1052},{"level":1012,"textAlign":25},[1053],{"text":1054,"type":202,"marks":1055},"¿Cómo pueden las empresas detectar y eliminar suscripciones duplicadas o que ya no se utilizan?",[1056],{"type":524},{"type":196,"attrs":1058,"content":1060},{"textAlign":25,"key":1059},"p-38",[1061],{"text":1062,"type":202},"Las empresas pueden comparar proveedores por categoría, revisar el uso y los responsables de cada herramienta e identificar suscripciones sin usuarios activos o sin una finalidad clara para el negocio. En la muestra, el 72 % de las empresas que utilizaban herramientas de IA pagaban por dos o más productos que competían entre sí, mientras que el 64 % de los usuarios de herramientas de diseño mantenían suscripciones en paralelo. Los flujos de aprobación, la asignación de responsables del gasto y las revisiones antes de cada renovación pueden evitar que herramientas sin uso o duplicadas sigan generando costes sin que nadie lo detecte.",{"type":310,"attrs":1064,"content":1065},{"level":1012,"textAlign":25},[1066],{"text":1067,"type":202,"marks":1068},"¿Cómo pueden las tarjetas virtuales y los controles de gasto ayudar a gestionar las suscripciones SaaS y los costes de IA?",[1069],{"type":524},{"type":196,"attrs":1071,"content":1073},{"textAlign":25,"key":1072},"p-39",[1074],{"text":1075,"type":202},"Las tarjetas virtuales y los controles de las tarjetas inteligentes facilitan la identificación y gestión de los cargos recurrentes y de los costes de software basados en el uso. Los equipos financieros pueden establecer límites de gasto, supervisar las transacciones en tiempo real y recibir alertas cuando los costes aumenten de forma inesperada. En el caso de las suscripciones SaaS con costes fijos, las revisiones antes de la renovación y una asignación clara de responsables ayudan a evitar que continúen cargos no autorizados.",{"type":310,"attrs":1077,"content":1078},{"level":1012,"textAlign":25},[1079],{"text":1080,"type":202,"marks":1081},"¿Por qué es más difícil prever el gasto en IA que el gasto tradicional en SaaS?",[1082],{"type":524},{"type":196,"attrs":1084,"content":1086},{"textAlign":25,"key":1085},"p-40",[1087],{"text":1088,"type":202},"El SaaS tradicional suele facturarse mediante una cuota mensual relativamente fija, mientras que muchas herramientas de IA cobran en función del uso. En la muestra, el gasto total en IA aumentó un 340 % en doce meses, mientras que el número de empresas que compraban herramientas de IA apenas varió. Además, las facturas de IA pueden cambiar considerablemente de un mes a otro: la factura mensual más alta llegó a ser hasta ocho veces superior a la más baja, lo que dificulta su gestión mediante un presupuesto fijo tradicional.",{"type":310,"attrs":1090,"content":1091},{"level":1012,"textAlign":25},[1092],{"text":1093,"type":202,"marks":1094},"¿Cómo pueden los equipos financieros controlar el gasto variable en IA y las facturas basadas en el uso?",[1095],{"type":524},{"type":196,"attrs":1097,"content":1099},{"textAlign":25,"key":1098},"p-41",[1100],{"text":1101,"type":202},"El gasto en IA debería gestionarse mediante visibilidad sobre el uso, límites de gasto y alertas en tiempo real, y no únicamente con una partida presupuestaria fija. Estos controles permiten detectar cuanto antes un uso inusual de tokens o una actividad automatizada, antes de que un mes de costes elevados llegue al cierre mensual. Una tarjeta inteligente con límites de gasto y alertas puede añadir una capa adicional de control.",{"type":310,"attrs":1103,"content":1104},{"level":1012,"textAlign":25},[1105],{"text":1106,"type":202,"marks":1107},"¿Qué deberían buscar los equipos financieros en un software de gestión del gasto SaaS?",[1108],{"type":524},{"type":196,"attrs":1110,"content":1112},{"textAlign":25,"key":1111},"p-42",[1113],{"text":1114,"type":202},"Las funcionalidades más útiles incluyen una visión centralizada de las suscripciones, la asignación por responsable del gasto y departamento, flujos de aprobación, alertas de renovación, controles sobre pagos recurrentes, seguimiento del uso, límites de gasto, alertas en tiempo real e informes. En el caso concreto de las herramientas de IA, el sistema debería ofrecer información sobre el consumo para que los equipos financieros pasen de limitarse a registrar el gasto en software a controlar activamente los costes basados en el uso.",{"type":310,"attrs":1116,"content":1117},{"level":312,"textAlign":25},[1118],{"text":1119,"type":202,"marks":1120},"La muestra",[1121],{"type":257,"attrs":1122},{"color":259},{"type":196,"attrs":1124,"content":1126},{"textAlign":25,"key":1125},"p-43",[1127],{"text":1128,"type":202,"marks":1129},"2.500 empresas europeas activas, de junio de 2025 a junio de 2026. Nueve sectores de actividad. Cuatro tramos de tamaño. La composición refleja la distribución de pymes de Eurostat: el 91% de las empresas de nuestra muestra tiene menos de 250 empleados, porque esa es la realidad del tejido empresarial europeo.",[1130],{"type":257,"attrs":1131},{"color":259},{"type":196,"attrs":1133},{"textAlign":25,"key":1134},"p-44",{"type":261,"attrs":1136},{"id":765,"body":1137},[1138],{"_uid":1139,"link":1140,"asset":1141,"caption":90,"component":289},"i-86990de8-789c-474d-bdd4-1d228a02c75d",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":1142,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1143,"copyright":90,"fieldtype":174,"meta_data":1144,"is_external_url":28},226254778262266,"https://a.storyblok.com/f/146026/3840x2496/491053589b/sample-composition-by-size-band.png",{},{"type":196,"attrs":1146},{"textAlign":25,"key":1147},"p-45",{"type":261,"attrs":1149},{"id":765,"body":1150},[1151],{"_uid":1152,"link":1153,"asset":1154,"caption":90,"component":289},"i-dc37671a-a212-4d9f-9791-a313cb89c896",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":1155,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1156,"copyright":90,"fieldtype":174,"meta_data":1157,"is_external_url":28},226255134974744,"https://a.storyblok.com/f/146026/3840x2496/e1e36a4637/sample-composition-by-country.png",{},{"type":196,"attrs":1159},{"textAlign":25,"key":1160},"p-46",{"type":261,"attrs":1162},{"id":765,"body":1163},[1164],{"_uid":1165,"link":1166,"asset":1167,"caption":90,"component":289},"i-fc87e048-b79d-4ce6-b69a-7582d2943ef5",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":1168,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1169,"copyright":90,"fieldtype":174,"meta_data":1170,"is_external_url":28},226255281005385,"https://a.storyblok.com/f/146026/3840x2496/ee51b71795/sample-composition-by-size-band-1.png",{},{"type":196,"attrs":1172},{"textAlign":25,"key":1173},"p-47",{"type":196,"attrs":1175,"content":1177},{"textAlign":25,"key":1176},"p-48",[1178],{"text":1179,"type":202,"marks":1180},"Para modelar las cifras orientativas a escala de mercado, utilizamos las Estadísticas Estructurales de las Empresas de Eurostat, empresas de la UE-27 con entre 50 y 249 personas empleadas, datos provisionales de 2024, que mostraban 250.670 empresas de la UE con entre 50 y 249 empleados.",[1181],{"type":257,"attrs":1182},{"color":259},{"type":310,"attrs":1184,"content":1185},{"level":413,"textAlign":25},[1186],{"text":1187,"type":202,"marks":1188},"El método",[1189,1191],{"type":257,"attrs":1190},{"color":259},{"type":524},{"type":196,"attrs":1193,"content":1195},{"textAlign":25,"key":1194},"p-49",[1196],{"text":1197,"type":202,"marks":1198},"Para medir cómo compran software las empresas europeas y cuánto gastan en él, construimos el universo de proveedores desde cero, a partir de pagos reales, en lugar de comenzar con una lista predefinida de marcas SaaS «conocidas». Trabajamos con un panel fijo de 2.568 empresas europeas (14 países, activas tanto en los canales de pago con tarjeta como de pago mediante factura entre junio de 2025 y junio de 2026), tomamos todos los proveedores a los que pagó cada empresa durante el periodo de doce meses y dejamos que fueran los propios datos los que revelaran el conjunto de proveedores.",[1199],{"type":257,"attrs":1200},{"color":259},{"type":196,"attrs":1202,"content":1204},{"textAlign":25,"key":1203},"p-50",[1205],{"text":1206,"type":202,"marks":1207},"Los dos canales de pago contienen información diferente, y utilizamos ambos:",[1208],{"type":257,"attrs":1209},{"color":259},{"type":1211,"content":1212},"bullet_list",[1213,1225],{"type":1214,"content":1215},"list_item",[1216],{"type":196,"attrs":1217,"content":1219},{"textAlign":25,"key":1218},"p-51",[1220],{"text":1221,"type":202,"marks":1222},"Los pagos de facturas o transferencias incluyen una identidad normalizada del proveedor, que unificamos bajo un único proveedor canónico (agrupando entidades legales regionales y registros duplicados; por ejemplo, los cuatro identificadores internos de proveedor de OpenAI se fusionan en uno).",[1223],{"type":257,"attrs":1224},{"color":259},{"type":1214,"content":1226},[1227],{"type":196,"attrs":1228,"content":1230},{"textAlign":25,"key":1229},"p-52",[1231],{"text":1232,"type":202,"marks":1233},"Las transacciones con tarjeta solo incluyen un descriptor comercial de texto libre (por ejemplo, OPENAI *CHATGPT SUBSCR o CLAUDE.AI SUBSCRIPTION), que normalizamos con los mismos nombres canónicos de proveedor.",[1234],{"type":257,"attrs":1235},{"color":259},{"type":196,"attrs":1237,"content":1239},{"textAlign":25,"key":1238},"p-53",[1240],{"text":1241,"type":202,"marks":1242},"A continuación, eliminamos las categorías no relacionadas con el software, como publicidad, RR. HH., nóminas y beneficios, viajes y movilidad, suministros, telecomunicaciones, servicios postales, banca, seguros y arrendamiento, hardware y comercio minorista, y conservamos únicamente los proveedores que alcanzaban al menos 20 empresas distintas del panel, un umbral que filtra las contrapartes puntuales con muy poca presencia en la muestra profesionales autónomos, arrendadores y servicios locales) y mantiene las herramientas verticales y regionales relevantes.",[1243],{"type":257,"attrs":1244},{"color":259},{"type":196,"attrs":1246,"content":1248},{"textAlign":25,"key":1247},"p-54",[1249],{"text":1250,"type":202,"marks":1251},"El resultado es un registro de 380 proveedores de software identificados, unificado a partir de ambos canales: 112 proveedores que aparecen tanto en tarjeta como en factura, 265 exclusivos de factura y 3 exclusivos de tarjeta. Combinar ambos canales es especialmente importante para las herramientas de IA, diseño y desarrollo, que se pagan principalmente con tarjeta y, por tanto, quedarían infrarrepresentadas en una visión basada solo en facturas; por ejemplo, las tarjetas representan aproximadamente dos tercios del gasto en Anthropic y la gran mayoría del gasto en GitHub.",[1252],{"type":257,"attrs":1253},{"color":259},{"type":196,"attrs":1255,"content":1257},{"textAlign":25,"key":1256},"p-55",[1258,1264],{"text":1259,"type":202,"marks":1260},"Advertencias.",[1261,1263],{"type":257,"attrs":1262},{"color":259},{"type":524},{"text":1265,"type":202,"marks":1266}," La clasificación de proveedores se basa en reglas; estimamos que un residuo de aproximadamente el 10–15% de los proveedores de larga cola o con poca presencia no es software y ha eludido los filtros de categoría (revendedores de servicios informáticos, proveedores de EOR y mayoristas de productos electrónicos). La atribución de las tarjetas depende de la coincidencia del texto comercial, por lo que una pequeña parte del SaaS pagado con tarjeta y con descriptores crípticos queda infrarrepresentada, pero no se atribuye erróneamente. Esto no afecta de forma significativa a las conclusiones por proveedor ni a las específicas de IA que se presentan a continuación.",[1267],{"type":257,"attrs":1268},{"color":259},{"type":196,"attrs":1270},{"textAlign":25,"key":1271},"p-56",{"name":1273,"created_at":1274,"published_at":16,"updated_at":1275,"id":1276,"uuid":1277,"content":1278,"slug":1285,"full_slug":1286,"sort_by_date":25,"position":52,"tag_list":1287,"is_startpage":28,"parent_id":1288,"meta_data":25,"group_id":1289,"first_published_at":1290,"release_id":25,"lang":32,"path":25,"alternates":1291,"default_full_slug":1292,"translated_slugs":1293,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1279,"icon":1280,"name":1273,"component":1284},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1281,"alt":1282,"name":90,"focus":90,"title":90,"filename":1283,"copyright":90,"fieldtype":174,"is_external_url":28},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","es/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[1294,1295,1296],{"path":1292,"name":25,"lang":37,"published":25},{"path":1292,"name":25,"lang":39,"published":25},{"path":1292,"name":25,"lang":32,"published":25},[32],[],[1300],{"cta":1301,"_uid":1316,"image":1317,"title":1321,"subtitle":1334,"component":1335},[1302],{"tag":90,"_uid":1303,"hide":28,"icon":1304,"link":1306,"type":90,"label":1315,"style":278,"component":182,"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":174,"meta_data":1305},{},{"id":1307,"url":90,"linktype":284,"fieldtype":179,"cached_url":1308,"prep":41,"story":1309},"92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","/es/schedule-a-demo/",{"name":1310,"id":1311,"uuid":1307,"slug":1312,"url":1313,"full_slug":1314,"_stopResolving":41},"Schedule a demo",126838129,"schedule-a-demo","schedule-a-demo/","es/schedule-a-demo/","Book a demo","d6338e95-96c3-4d35-af35-b928b3b0d7ca",{"id":1318,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1319,"copyright":90,"fieldtype":174,"meta_data":1320,"is_external_url":28},141863894965290,"https://a.storyblok.com/f/146026/2471x1843/baa22902e7/image-spendesk-product-1-cropped.png",{},{"type":192,"attrs":1322,"content":1323},{"backgroundColor":25},[1324],{"type":196,"attrs":1325,"content":1326},{"textAlign":25,"key":198},[1327],{"text":1328,"type":202,"marks":1329},"Built for European businesses",[1330],{"type":1331,"attrs":1332},"styled",{"class":1333},"text-item-heading text-item-heading-sm","Manage cards, expenses and invoices with a platform designed for Europe","ctaBlock","2026-05-04 00:00",[1338],{"_uid":1339,"type":90,"asset":1340,"caption":90,"overlay":1344,"component":289},"4ea013e4-4b4a-4aa5-9a28-a9a3acce0217",{"id":1341,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1342,"copyright":90,"fieldtype":174,"meta_data":1343,"is_external_url":28},226364352573604,"https://a.storyblok.com/f/146026/2220x1461/344bc7874e/blog-es.png",{},[],"Las empresas europeas podrían estar pagando de más 7.000 millones de euros al año por SaaS, mientras que las facturas de IA ya varían un 61 % de un mes a otro. Descubre los datos europeos de gasto de Spendesk correspondientes a 2026.",[1347],{"cta":1348,"_uid":1355,"image":1356,"title":1361,"subtitle":90,"component":1335,"imageFullWidth":41},[1349],{"tag":90,"_uid":1350,"hide":28,"icon":1351,"link":1353,"type":90,"label":90,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"73da239e-3b81-4035-b5dd-857ceb8b7080",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":1352},{},{"id":1307,"url":90,"linktype":284,"fieldtype":179,"cached_url":1308,"prep":41,"story":1354},{"name":1310,"id":1311,"uuid":1307,"slug":1312,"url":1313,"full_slug":1314,"_stopResolving":41},"91acc263-cc3b-436a-b575-262f954dbce3",{"id":1357,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1358,"copyright":90,"fieldtype":174,"meta_data":1359,"is_external_url":28},222395358447793,"https://a.storyblok.com/f/146026/1700x465/eb18d1660e/bcn-es.png",{"size":1360},"1700x465",{"type":192,"content":1362},[1363],{"type":196},[],"inteligencia-del-gasto-saas-2026","es/blog/inteligencia-del-gasto-saas-2026",-1530,[],176386517,"9388ebc8-70b6-44c9-b628-9f03cf644336","2026-10-02T13:46:33.749Z",[1373],{"id":1374,"name":1375,"slug":1376,"published":41,"full_slug":1377,"is_folder":28,"parent_id":1369},218942012023055,"SaaS Spend Intelligence: Four Hard Truths About What European Companies Are Paying For (and Wasting)","european-spend-insights-2026","blog/european-spend-insights-2026","blog/inteligencia-del-gasto-saas-2026",[1380,1381,1382],{"path":1378,"name":25,"lang":37,"published":25},{"path":1378,"name":25,"lang":39,"published":25},{"path":1378,"name":25,"lang":32,"published":25},{"header":1384,"footer":2062,"commonContent":2482,"userCentricsAndSegmentMappingTable":2651},{"name":1385,"created_at":1386,"published_at":1387,"updated_at":1388,"id":1389,"uuid":1390,"content":1391,"slug":1882,"full_slug":2049,"sort_by_date":25,"position":52,"tag_list":2050,"is_startpage":28,"parent_id":2052,"meta_data":25,"group_id":2053,"first_published_at":2054,"release_id":25,"lang":32,"path":2055,"alternates":2056,"default_full_slug":2057,"translated_slugs":2058},"Header","2022-03-03T10:18:44.837Z","2026-10-29T11:36:19.639Z","2026-10-29T11:36:19.664Z",112682816,"5cdfaafc-a9d2-47fd-a16f-d782131160fd",{"_uid":1392,"logo":1393,"navbar":1398,"loginBtn":1881,"component":1882,"languages":1883,"logoBlack":1902,"logoWhite":1906,"topNavbar":1911,"footerLinks":1920,"socialLinks":1938,"homepageLink":1979,"getStartedBtn":1991,"announcementBanner":1999,"localeSwitcherTitle":2048},"d642d99f-3914-487e-abe1-9515eca76325",{"id":1394,"alt":1395,"name":90,"focus":90,"title":1395,"source":90,"filename":1396,"copyright":90,"fieldtype":174,"meta_data":1397,"is_external_url":28},4112223,"Spendesk","https://a.storyblok.com/f/146026/x/5f4956f538/spendesk-logo.svg",{},[1399,1608,1620,1633,1801],{"_uid":1400,"label":1401,"columns":1402,"component":1571,"headingNewBranding":1572},"99e54924-f77d-4501-978a-b578da0140ca","Producto",[1403,1487],{"_uid":1404,"ctas":1405,"label":1401,"component":1485,"labelColor":90,"backgroundIconColor":1486},"5f198563-42a4-441a-bdb5-8a4ee4320b66",[1406,1422,1438,1453,1469],{"tag":90,"_uid":1407,"hide":28,"icon":1408,"link":1412,"type":90,"label":1421,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"09547f47-fd5a-4b75-bd20-5b419c3a9692",{"id":1409,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1410,"copyright":90,"fieldtype":174,"meta_data":1411,"is_external_url":28},16729348,"https://a.storyblok.com/f/146026/32x32/e26321511f/icon-star-32px-carbon-naked.svg",{},{"id":1413,"url":90,"linktype":284,"fieldtype":179,"cached_url":1414,"prep":41,"story":1415},"d942dafa-667c-49cd-bfcf-a53c8faa8e92","/es/platform/mcp",{"name":1416,"id":1417,"uuid":1413,"slug":1418,"url":1419,"full_slug":1420,"_stopResolving":41},"MCP",184147202165078,"mcp","platform/mcp","es/platform/mcp","Spendesk AI Connect",{"tag":90,"_uid":1423,"icon":1424,"link":1428,"type":90,"label":1437,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28},"40af8152-1e3f-4e5c-b9f2-5d8ff7672be7",{"id":1425,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1426,"copyright":90,"fieldtype":174,"meta_data":1427,"is_external_url":28},16281091,"https://a.storyblok.com/f/146026/16x16/c5475cecd9/icon-platic-card-carbon_no-bg.svg",{},{"id":1429,"url":90,"linktype":284,"fieldtype":179,"cached_url":1430,"prep":41,"story":1431},"a0ebe15c-08cc-4f8b-afba-12b165f9fb56","/es/product/cards/",{"name":1432,"id":1433,"uuid":1429,"slug":1434,"url":1435,"full_slug":1436,"_stopResolving":41},"Cards",193401086247857,"cards","product/cards/","es/product/cards/","Tarjetas",{"tag":90,"_uid":1439,"hide":28,"icon":1440,"link":1444,"type":90,"label":1448,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"68a2616c-26e5-4688-8333-6c5a4fab3190",{"id":1441,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1442,"copyright":90,"fieldtype":174,"meta_data":1443,"is_external_url":28},16281100,"https://a.storyblok.com/f/146026/16x16/cc8b7906c6/icon-cart-carbon_no-bg.svg",{},{"id":1445,"url":90,"linktype":284,"fieldtype":179,"cached_url":1446,"prep":41,"story":1447},"54aaf12a-503f-42e6-afbc-61919d53f941","/es/product/procurement",{"name":1448,"id":1449,"uuid":1445,"slug":1450,"url":1451,"full_slug":1452,"_stopResolving":41},"Procurement",193401601446119,"procurement","product/procurement","es/product/procurement",{"tag":90,"_uid":1454,"hide":28,"icon":1455,"link":1459,"type":90,"label":1468,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"9dee1a69-11fd-470d-a6b7-98afd828410c",{"id":1456,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1457,"copyright":90,"fieldtype":174,"meta_data":1458,"is_external_url":28},16281102,"https://a.storyblok.com/f/146026/16x17/f28007595c/icon-approved-expenses-carbon_no-bg.svg",{},{"id":1460,"url":90,"linktype":284,"fieldtype":179,"cached_url":1461,"prep":41,"story":1462},"5a15816c-5303-499e-9774-f4eab6597303","/es/product/accounts-payable",{"name":1463,"id":1464,"uuid":1460,"slug":1465,"url":1466,"full_slug":1467,"_stopResolving":41},"Accounts Payable",193400887722918,"accounts-payable","product/accounts-payable","es/product/accounts-payable","Facturas",{"tag":90,"_uid":1470,"icon":1471,"link":1475,"type":90,"label":1484,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28},"3d54b3a1-be28-45fe-a0a8-ebbc68e9e36d",{"id":1472,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1473,"copyright":90,"fieldtype":174,"meta_data":1474,"is_external_url":28},16281106,"https://a.storyblok.com/f/146026/16x16/b57ae3cc57/icon-expenses-carbon_no-bg.svg",{},{"id":1476,"url":90,"linktype":284,"fieldtype":179,"cached_url":1477,"prep":41,"story":1478},"2c9f9c07-cfb4-48e3-9391-89ea909b50ca","/es/product/expense-management",{"name":1479,"id":1480,"uuid":1476,"slug":1481,"url":1482,"full_slug":1483,"_stopResolving":41},"Expense Management",193401429506811,"expense-management","product/expense-management","es/product/expense-management","Gastos","ctasColumn","--color-accent-06",{"_uid":1488,"ctas":1489,"label":1570,"component":1485,"labelColor":90,"backgroundIconColor":1486},"c7e769a0-95c8-49e3-a177-8c7061def31b",[1490,1506,1522,1538,1554],{"tag":90,"_uid":1491,"hide":28,"icon":1492,"link":1496,"type":90,"label":1505,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"4c5373c4-ce33-450b-b5a2-6fd072f8b1f4",{"id":1493,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1494,"copyright":90,"fieldtype":174,"meta_data":1495,"is_external_url":28},16729298,"https://a.storyblok.com/f/146026/32x32/afc3b416d2/icon-chart-32px-carbon-naked.svg",{},{"id":1497,"url":90,"linktype":284,"fieldtype":179,"cached_url":1498,"prep":41,"story":1499},"28bb9756-1ece-4e77-95d1-14f9384a14c9","/es/platform/spends-controls",{"name":1500,"id":1501,"uuid":1497,"slug":1502,"url":1503,"full_slug":1504,"_stopResolving":41},"Spend Controls",193400956097450,"spend-controls","platform/spend-controls","es/platform/spend-controls","Controles de gastos",{"tag":90,"_uid":1507,"hide":28,"icon":1508,"link":1512,"type":90,"label":1521,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"2510867b-7a54-4419-b9bf-179d0e428694",{"id":1509,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1510,"copyright":90,"fieldtype":174,"meta_data":1511,"is_external_url":28},16729328,"https://a.storyblok.com/f/146026/32x32/b0f8886cda/icon-marvin-32px-carbon-naked.svg",{},{"id":1513,"url":90,"linktype":284,"fieldtype":179,"cached_url":1514,"prep":41,"story":1515},"fd085d94-f53b-4b62-8db8-a7210e0836c2","/es/platform/ai-automation",{"name":1516,"id":1517,"uuid":1513,"slug":1518,"url":1519,"full_slug":1520,"_stopResolving":41},"AI & Automation",193401551136651,"ai-automation","platform/ai-automation","es/platform/ai-automation","IA",{"tag":90,"_uid":1523,"hide":28,"icon":1524,"link":1528,"type":90,"label":1537,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"26c4c111-0fcd-42c7-a1a9-adda4b11510c",{"id":1525,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1526,"copyright":90,"fieldtype":174,"meta_data":1527,"is_private":28,"is_external_url":28},16281093,"https://a.storyblok.com/f/146026/16x16/6958f61a21/icon-puzzle-carbon_no-bg.svg",{},{"id":1529,"url":90,"linktype":284,"fieldtype":179,"cached_url":1530,"prep":41,"story":1531},"e0594f7b-c01a-45b3-96e2-186a17439c46","/es/integrations/",{"name":1532,"id":1533,"uuid":1529,"slug":1534,"url":1535,"full_slug":1536,"_stopResolving":41},"Integrations",129006144,"integrations","integrations/","es/integrations/","API & integraciones",{"tag":90,"_uid":1539,"icon":1540,"link":1544,"type":90,"label":1553,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28},"b4465174-3e37-44c2-99ee-8cd84e6e5a98",{"id":1541,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1542,"copyright":90,"fieldtype":174,"meta_data":1543,"is_external_url":28},16281085,"https://a.storyblok.com/f/146026/16x16/aa4d62e541/icon-office-carbon_no-bg.svg",{},{"id":1545,"url":90,"linktype":284,"fieldtype":179,"cached_url":1546,"prep":41,"story":1547},"3d432995-4a9f-417f-b7d9-48e760bf8646","/es/product/multi-entity-management",{"name":1548,"id":1549,"uuid":1545,"slug":1550,"url":1551,"full_slug":1552,"_stopResolving":41},"Multi-Entity Management",193401474719366,"multi-entity-management","product/multi-entity-management","es/product/multi-entity-management","Gestión multientidad",{"tag":90,"_uid":1555,"icon":1556,"link":1560,"type":90,"label":1569,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28},"a349de93-1409-4ba4-a5e3-3c1916013987",{"id":1557,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1558,"copyright":90,"fieldtype":174,"meta_data":1559,"is_external_url":28},16281109,"https://a.storyblok.com/f/146026/16x16/e708885b4d/icon-wallet-carbon_no-bg.svg",{},{"id":1561,"url":90,"linktype":284,"fieldtype":179,"cached_url":1562,"prep":41,"story":1563},"b419cae8-61d4-4ab4-919b-71875ceab832","/es/product/budget",{"name":1564,"id":1565,"uuid":1561,"slug":1566,"url":1567,"full_slug":1568,"_stopResolving":41},"Budget",193401384269658,"budget","product/budget","es/product/budget","Presupuesto","Plataforma ","dropdownMenu",[1573],{"cta":1574,"_uid":1589,"title":1590,"eyebrow":1597,"subtitle":1600,"component":310,"textAlign":90,"sectionSettings":1607,"subtitleLeftBorder":28},[1575],{"tag":90,"_uid":1576,"hide":41,"icon":1577,"link":1578,"type":90,"label":1588,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"c116cfe4-00a7-4def-bfa6-50635b56f3cd",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":174},{"id":1579,"url":90,"linktype":284,"fieldtype":179,"cached_url":1580,"prep":41,"story":1581},"0c6c4fbe-f44e-4fe1-8340-f16097c5e857","/es/platform/platform-releases/october-update-2026",{"name":1582,"id":1583,"uuid":1579,"slug":1584,"url":1585,"translated_name":1586,"full_slug":1587,"_stopResolving":41},"October update 2026",225204977508410,"october-update-2026","platform/platform-releases/october-update-2026","Actualizacion Octubre 2026","es/platform/platform-releases/actualizacion-octubre-2026","Ver novedades","5602ee0e-a19d-4a6d-81c7-654623a62c53",{"type":192,"content":1591},[1592],{"type":196,"attrs":1593,"content":1594},{"textAlign":25,"key":198},[1595],{"text":1596,"type":202},"Novedades",{"type":192,"content":1598},[1599],{"type":196},{"type":192,"content":1601},[1602],{"type":196,"attrs":1603,"content":1604},{"textAlign":25,"key":198},[1605],{"text":1606,"type":202},"Ya está aquí la última actualización de tus productos Spendesk",[],{"tag":90,"_uid":1609,"hide":28,"icon":1610,"link":1611,"type":90,"label":1619,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"3e099d1d-7633-470a-b225-70ff55117055",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":174},{"id":1612,"url":90,"linktype":284,"fieldtype":179,"cached_url":1613,"prep":41,"story":1614},"3fa6ea10-966e-4089-af4b-7e6e442aa044","/es/pricing",{"name":1615,"id":1616,"uuid":1612,"slug":1617,"url":1617,"full_slug":1618,"_stopResolving":41},"Pricing",118542802,"pricing","es/pricing","Precios",{"tag":90,"_uid":1621,"icon":1622,"link":1623,"type":90,"label":1632,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28},"d5e1987a-f5af-4885-8aaa-ef59abcd1856",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":174},{"id":1624,"url":90,"linktype":284,"fieldtype":179,"cached_url":1625,"prep":41,"story":1626},"09ad78b4-d4be-4ef1-9f8d-7f452d2592ee","/es/customers/",{"name":1627,"id":1628,"uuid":1624,"slug":1629,"url":1630,"full_slug":1631,"_stopResolving":41},"Listing page",107236629,"customers","customers/","es/customers/","Testimonios de clientes",{"_uid":1634,"label":1635,"columns":1636,"component":1571,"headingNewBranding":1800},"59752063-d282-4855-95bc-45cfb825ed90","Recursos",[1637,1702,1769],{"_uid":1638,"ctas":1639,"label":1700,"component":1485,"labelColor":90,"backgroundIconColor":1701},"705444cd-cbfb-417a-99c3-8481453ed293",[1640,1656,1672,1685],{"tag":90,"_uid":1641,"icon":1642,"link":1646,"type":90,"label":1655,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28},"5fa4f3ea-1139-4bfb-9f4b-5bfc2ee878e4",{"id":1643,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1644,"copyright":90,"fieldtype":174,"meta_data":1645,"is_private":28,"is_external_url":28},16281084,"https://a.storyblok.com/f/146026/16x16/4c0bcd937c/icon-edit-carbon_no-bg.svg",{},{"id":1647,"url":90,"linktype":284,"fieldtype":179,"cached_url":1648,"prep":41,"story":1649},"f85ca87f-b289-449f-9fc4-9c760a70f55b","/es/blog/",{"name":1650,"id":1651,"uuid":1647,"slug":1652,"url":1653,"full_slug":1654,"_stopResolving":41},"Blog homepage (listing page)",181576014,"blog","blog/","es/blog/","Blog",{"tag":90,"_uid":1657,"hide":28,"icon":1658,"link":1662,"type":90,"label":1671,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"550defa8-3f12-404f-93c9-d1712a0cede6",{"id":1659,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1660,"copyright":90,"fieldtype":174,"meta_data":1661,"is_external_url":28},22166084,"https://a.storyblok.com/f/146026/16x16/70203afe7e/icon_-_play_-_carbon.svg",{},{"id":1663,"url":90,"linktype":284,"fieldtype":179,"cached_url":1664,"prep":41,"story":1665},"06849c8d-cf20-4692-b0d3-1a26c8b49950","/es/events/",{"name":1666,"id":1667,"uuid":1663,"slug":1668,"url":1669,"full_slug":1670,"_stopResolving":41},"Events listing page",86201135839603,"events","events/","es/events/","Eventos y seminarios web",{"tag":90,"_uid":1673,"hide":41,"icon":1674,"link":1678,"type":90,"label":1682,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"d6c7b904-02c6-4635-b6ef-7c41c9ffc857",{"id":1675,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1676,"copyright":90,"fieldtype":174,"meta_data":1677,"is_external_url":28},16281086,"https://a.storyblok.com/f/146026/16x16/0e8759095b/icon-help-carbon_no-bg.svg",{},{"id":1679,"url":90,"linktype":284,"fieldtype":179,"cached_url":1680,"prep":41,"story":1681},"58f938c1-a22b-4a2a-8ba3-85610455b1e2","/es/faq",{"name":1682,"id":1683,"uuid":1679,"slug":1684,"url":1684,"full_slug":1684,"_stopResolving":41},"FAQ",126231937,"faq",{"tag":90,"_uid":1686,"hide":41,"icon":1687,"link":1691,"type":90,"label":1699,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"615e7cc9-41e0-4033-aa94-52ae8aa728ff",{"id":1688,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1689,"copyright":90,"fieldtype":174,"meta_data":1690,"is_external_url":28},16281080,"https://a.storyblok.com/f/146026/17x17/dfacf276ea/icon-search-carbon_no-bg.svg",{},{"id":1692,"url":90,"linktype":284,"fieldtype":179,"cached_url":1693,"prep":41,"story":1694},"73f35c2d-ebf7-4761-8e05-7ef4d9d7df01","/es/glossary/",{"name":1695,"id":1696,"uuid":1692,"slug":1697,"url":1698,"full_slug":1698,"_stopResolving":41},"Glossary",127190994,"glossary","glossary/","Glossario","Perspectivas","--color-accent-05",{"_uid":1703,"ctas":1704,"label":1768,"component":1485,"labelColor":90,"backgroundIconColor":1701},"487d38bc-1a08-45a5-807a-5a7c04de8a6e",[1705,1716,1725,1741,1756],{"tag":90,"_uid":1706,"hide":41,"icon":1707,"link":1709,"type":90,"label":1713,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"8f6dba5c-37eb-4e62-a1ab-3c40a4558b8e",{"id":1509,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1510,"copyright":90,"fieldtype":174,"meta_data":1708,"is_external_url":28},{},{"id":1710,"url":90,"linktype":284,"fieldtype":179,"cached_url":1711,"prep":41,"story":1712},"9425912b-288d-48f1-a7c7-6247f58ed8ed","/es/ai",{"name":1713,"id":1714,"uuid":1710,"slug":1715,"url":1715,"full_slug":1715,"_stopResolving":41},"AI Hub",114865617041697,"ai",{"tag":90,"_uid":1717,"icon":1718,"link":1722,"type":90,"label":1724,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28},"7777fb05-58e5-4f3c-aa58-92cdbc65fd09",{"id":1719,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1720,"copyright":90,"fieldtype":174,"meta_data":1721,"is_external_url":28},16281087,"https://a.storyblok.com/f/146026/16x16/e6ec37650f/icon-file-carbon_no-bg.svg",{},{"id":90,"url":1723,"linktype":178,"fieldtype":179,"cached_url":1723},"https://www.cfoconnect.eu/en/resources/podcast/","Podcast",{"tag":90,"_uid":1726,"hide":28,"icon":1727,"link":1731,"type":90,"label":1740,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"627fe88e-fe6c-48e9-a3c4-2fd3336c1013",{"id":1728,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1729,"copyright":90,"fieldtype":174,"meta_data":1730,"is_external_url":28},70200044241480,"https://a.storyblok.com/f/146026/20x20/c23deb7ab6/icon-map-carbon_no-bg.svg",{},{"id":1732,"url":90,"linktype":284,"fieldtype":179,"cached_url":1733,"prep":41,"story":1734},"52ff1d3e-2698-4924-98a8-bb3c78d08bac","/es/tools/cfo-tech-stack-map",{"name":1735,"id":1736,"uuid":1732,"slug":1737,"url":1738,"full_slug":1739,"_stopResolving":41},"CFO Tech Stack Map",688303595,"cfo-tech-stack-map","tools/cfo-tech-stack-map","es/tools/cfo-tech-stack-map","Stack tecnológico del CFO",{"tag":90,"_uid":1742,"hide":41,"icon":1743,"link":1747,"type":90,"label":1755,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"bcc29e92-02f7-467c-95b2-b1a3745b8641",{"id":1744,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1745,"copyright":90,"fieldtype":174,"meta_data":1746,"is_external_url":28},16281098,"https://a.storyblok.com/f/146026/16x16/3e30487589/icon-calculator-carbon_no-bg.svg",{},{"id":1748,"url":90,"linktype":284,"fieldtype":179,"cached_url":1749,"prep":41,"story":1750},"ab956bec-b6b4-434a-b4aa-b772873f9577","/es/tools/spend-management-calculator",{"name":1751,"id":1752,"uuid":1748,"slug":1753,"url":1754,"full_slug":1754,"_stopResolving":41},"ROI calculator",159362364,"spend-management-calculator","tools/spend-management-calculator","Calculadora de ROI",{"tag":90,"_uid":1757,"icon":1758,"link":1760,"type":90,"label":1767,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"hide":41},"2ebe313f-59e0-4d88-b72e-217efc4a1c17",{"id":1456,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1457,"copyright":90,"fieldtype":174,"meta_data":1759,"is_external_url":28},{},{"id":1761,"url":90,"linktype":284,"fieldtype":179,"cached_url":1762,"prep":41,"story":1763},"001bfc30-c6f3-44bd-93ed-888c2ec3bc46","/es/tools/hmrc-mileage-calculator",{"name":1764,"id":1765,"uuid":1761,"slug":1764,"url":1766,"full_slug":1766,"_stopResolving":41},"hmrc-mileage-calculator",590567568,"tools/hmrc-mileage-calculator","HMRC Mileage Calculator","Recursos y herramientas",{"_uid":1770,"ctas":1771,"label":1799,"component":1485,"backgroundIconColor":1701},"42cd977b-64fd-4daa-a999-3e539c48fdf8",[1772,1781,1790],{"tag":90,"_uid":1773,"icon":1774,"link":1778,"type":90,"label":1780,"style":278,"component":182,"onClickEvent":90,"openInANewTab":41},"2d80d8b9-bc29-451a-8830-93f777a4035f",{"id":1775,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1776,"copyright":90,"fieldtype":174,"meta_data":1777,"is_external_url":28},16281104,"https://a.storyblok.com/f/146026/24x24/9630540d4d/icon-cfoc-carbon_no-bg.svg",{},{"id":90,"url":1779,"linktype":178,"fieldtype":179,"cached_url":1779},"https://www.cfoconnect.eu/en/","CFO Connect",{"tag":90,"_uid":1782,"icon":1783,"link":1787,"type":90,"label":1789,"style":278,"component":182,"onClickEvent":90,"openInANewTab":41},"8aa1408e-a5de-4956-b981-e612681b1217",{"id":1784,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1785,"copyright":90,"fieldtype":174,"meta_data":1786,"is_external_url":28},16281088,"https://a.storyblok.com/f/146026/16x16/11abf8539b/icon-calendar-carbon_no-bg.svg",{},{"id":90,"url":1788,"linktype":178,"fieldtype":179,"cached_url":1788},"https://www.cfoconnect.eu/events/","Eventos de CFO Connect",{"tag":90,"_uid":1791,"icon":1792,"link":1796,"type":90,"label":1798,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28},"51f87bc2-673b-462f-8774-e0e4ff7d7c32",{"id":1793,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1794,"copyright":90,"fieldtype":174,"meta_data":1795,"is_private":28,"is_external_url":28},16281082,"https://a.storyblok.com/f/146026/16x16/d2c2ef928e/icon-chat-carbon_no-bg.svg",{},{"id":90,"url":1797,"linktype":178,"cached_url":1797},"https://www.cfoconnect.eu/en/resources/faces-of-finance/?__hstc=41219197.bbead300ed8109c4e10bec25b53311f8.1650355153846.1650355153846.1650393005163.2&__hssc=41219197.11.1650393005163&__hsfp=2647279916","Responsables financieros","Comunidad",[],{"_uid":1802,"label":1803,"columns":1804,"component":1571,"headingNewBranding":1880},"4d29560b-a121-4a55-83cc-9ad81e6c3b0d","Empresa",[1805,1845],{"_uid":1806,"ctas":1807,"label":1803,"component":1485,"labelColor":90,"backgroundIconColor":1486},"e742d8be-34ef-4dd7-a505-637bcae2bfe0",[1808,1821,1830],{"tag":90,"_uid":1809,"hide":28,"icon":1810,"link":1812,"type":90,"label":1820,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"08110155-0385-4a0d-bb1f-23db5d38e45f",{"id":1541,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1542,"copyright":90,"fieldtype":174,"meta_data":1811,"is_private":28,"is_external_url":28},{},{"id":1813,"url":90,"linktype":284,"fieldtype":179,"cached_url":1814,"prep":41,"story":1815},"e44ca227-8de9-44c9-93ac-9229f1e769ba","/es/about",{"name":1816,"id":1817,"uuid":1813,"slug":1818,"url":1818,"full_slug":1819,"_stopResolving":41},"Our story",126213445,"about","es/about","Nuestra historia",{"tag":90,"_uid":1822,"hide":28,"icon":1823,"link":1827,"type":90,"label":1829,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"10f20954-92be-45a9-a38d-4ff377ae1a91",{"id":1824,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1825,"copyright":90,"fieldtype":174,"meta_data":1826,"is_external_url":28},16281083,"https://a.storyblok.com/f/146026/16x16/4710670fe5/icon-suitcase-carbon_no-bg.svg",{},{"id":90,"url":1828,"linktype":178,"fieldtype":179,"cached_url":1828},"https://career.spendesk.com/es/","Carreras",{"tag":90,"_uid":1831,"hide":41,"icon":1832,"link":1836,"type":90,"label":1844,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"54992a01-315a-44ea-8d42-530e6a4991e4",{"id":1833,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1834,"copyright":90,"fieldtype":174,"meta_data":1835,"is_external_url":28},16281079,"https://a.storyblok.com/f/146026/16x16/b2eba365dd/icon-news-carbon_no-bg.svg",{},{"id":1837,"url":90,"linktype":284,"fieldtype":179,"cached_url":1838,"prep":41,"story":1839},"f09d7678-b42b-4c68-b4a5-3d26d457355c","/es/press/",{"name":1840,"id":1841,"uuid":1837,"slug":1842,"url":1843,"full_slug":1843,"_stopResolving":41},"Spendesk Press",265014512,"press","press/","Medios de comunicación",{"_uid":1846,"ctas":1847,"label":1879,"component":1485,"labelColor":90,"backgroundIconColor":1486},"59a11592-e6cb-405d-8208-9e3c365ac046",[1848,1864],{"tag":90,"_uid":1849,"hide":28,"icon":1850,"link":1854,"type":90,"label":1863,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"4c769292-9f5f-404f-90d3-9a6ed38483ff",{"id":1851,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1852,"copyright":90,"fieldtype":174,"meta_data":1853,"is_private":28,"is_external_url":28},16281099,"https://a.storyblok.com/f/146026/18x16/a7c116c072/icon-people-carbon_no-bg.svg",{},{"id":1855,"url":90,"linktype":284,"fieldtype":179,"cached_url":1856,"prep":41,"story":1857},"256bc156-b5de-4af2-a9d9-17e2f24d8448","/es/partners/",{"name":1858,"id":1859,"uuid":1855,"slug":1860,"url":1861,"full_slug":1862,"_stopResolving":41},"Partners",113802294,"partners","partners/","es/partners/","Socios",{"tag":90,"_uid":1865,"hide":28,"icon":1866,"link":1870,"type":90,"label":1878,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"f0e6324a-5e60-43c4-bffc-3430ec5c000b",{"id":1867,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1868,"copyright":90,"fieldtype":174,"meta_data":1869,"is_private":28,"is_external_url":28},16281081,"https://a.storyblok.com/f/146026/18x18/01e1262e82/icon-phone-carbon_no-bg.svg",{},{"id":1871,"url":90,"linktype":284,"fieldtype":179,"cached_url":1872,"prep":41,"story":1873},"07eb4f4d-6829-4200-a43a-40fe668dbd09","/es/contact-us",{"name":1874,"id":1875,"uuid":1871,"slug":1876,"url":1876,"full_slug":1877,"_stopResolving":41},"Contact us",126275406,"contact-us","es/contact-us","Contacto"," ",[],"Iniciar sesión","header",[1884,1889,1894,1898],{"_uid":1885,"code":39,"name":1886,"component":1887,"shortName":1888},"3825432f-6270-4fc5-a6de-2268b10d53ab","Deutsch","language","DE",{"_uid":1890,"code":1891,"name":1892,"component":1887,"shortName":1893},"5050c343-1954-40e4-bc50-71a22fceaf28","en","English","EN",{"_uid":1895,"code":32,"name":1896,"component":1887,"shortName":1897},"76d21077-cbac-4f11-9fed-1cee8e6221ae","Español","ES",{"_uid":1899,"code":37,"name":1900,"component":1887,"shortName":1901},"a451f395-b57c-4be1-8e17-c87dbc81b87b","Français","FR",{"id":1903,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1904,"copyright":90,"fieldtype":174,"meta_data":1905,"is_external_url":28},15300953,"https://a.storyblok.com/f/146026/143x22/ff77add2ca/spendesk-logo-black.svg",{},{"id":1907,"alt":1395,"name":90,"focus":90,"title":1908,"source":90,"filename":1909,"copyright":90,"fieldtype":174,"meta_data":1910,"is_external_url":28},4112224,"Spendesk white","https://a.storyblok.com/f/146026/x/8000a10792/spendesk-logo-white.svg",{},[1912],{"tag":90,"_uid":1913,"hide":28,"icon":1914,"link":1916,"type":90,"label":1918,"style":278,"component":182,"onClickEvent":1919,"openInANewTab":41,"horizontalFill":28},"76967f37-ad44-44e4-942f-2b6c1c1ee456",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":1915},{},{"id":90,"url":1917,"linktype":178,"fieldtype":179,"cached_url":1917},"https://helpcenter.spendesk.com/es/","Centro de ayuda","website:navbar:helpcenter_cta:clicked",[1921,1926],{"tag":90,"_uid":1922,"hide":28,"icon":1923,"link":1925,"type":90,"label":1918,"style":278,"component":182,"onClickEvent":1919,"openInANewTab":41,"horizontalFill":28},"5973fc04-9f32-479f-8978-27caad9d8e91",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":1924},{},{"id":90,"url":1917,"linktype":178,"fieldtype":179,"cached_url":1917},{"tag":90,"_uid":1927,"hide":41,"icon":1928,"link":1930,"type":90,"label":1937,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"9875b499-bfb1-473b-a433-f70b3cff167b",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":174,"meta_data":1929,"is_external_url":28},{},{"id":1931,"url":90,"linktype":284,"fieldtype":179,"cached_url":1932,"prep":41,"story":1933},"0fcd9d53-6332-4709-aeeb-2e72863eb107","/es/spendesk-security",{"name":1934,"id":1935,"uuid":1931,"slug":1936,"url":1936,"full_slug":1936,"_stopResolving":41},"Security",126230553,"spendesk-security","Seguridad",[1939,1947,1955,1963,1971],{"tag":90,"_uid":1940,"icon":1941,"link":1945,"type":90,"label":90,"style":278,"component":182,"onClickEvent":90,"openInANewTab":41},"71cb89db-23a0-4b90-82d6-ca84b52af561",{"id":1942,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1943,"copyright":90,"fieldtype":174,"meta_data":1944,"is_external_url":28},16281248,"https://a.storyblok.com/f/146026/12x12/2d962efd0e/icon-facebook-carbon_no-bg.svg",{},{"id":90,"url":1946,"linktype":178,"fieldtype":179,"cached_url":1946},"https://www.facebook.com/spendesk/",{"tag":90,"_uid":1948,"icon":1949,"link":1953,"type":90,"label":90,"style":278,"component":182,"onClickEvent":90,"openInANewTab":41},"69887bf3-cc5a-4f8b-82e0-33682082fbb0",{"id":1950,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1951,"copyright":90,"fieldtype":174,"meta_data":1952,"is_private":28,"is_external_url":28},16281245,"https://a.storyblok.com/f/146026/12x12/3d1e2f35e1/icon-instagram-carbon_no-bg.svg",{},{"id":90,"url":1954,"linktype":178,"fieldtype":179,"cached_url":1954},"https://www.instagram.com/spendesk",{"tag":90,"_uid":1956,"icon":1957,"link":1961,"type":90,"label":90,"style":278,"component":182,"onClickEvent":90,"openInANewTab":41},"4b43ad3a-09a9-4670-8fa0-112bc3a16e82",{"id":1958,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1959,"copyright":90,"fieldtype":174,"meta_data":1960,"is_private":28,"is_external_url":28},16281247,"https://a.storyblok.com/f/146026/12x12/864442ea5c/icon-linkedin-carbon_no-bg.svg",{},{"id":90,"url":1962,"linktype":178,"fieldtype":179,"cached_url":1962},"https://www.linkedin.com/company/spendesk/",{"tag":90,"_uid":1964,"icon":1965,"link":1969,"type":90,"label":90,"style":278,"component":182,"onClickEvent":90,"openInANewTab":41},"78310ee6-2020-4d6f-935c-61b7c4320988",{"id":1966,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1967,"copyright":90,"fieldtype":174,"meta_data":1968,"is_private":28,"is_external_url":28},16281249,"https://a.storyblok.com/f/146026/12x12/2b24154a63/icon-x-carbon_no-bg.svg",{},{"id":90,"url":1970,"linktype":178,"fieldtype":179,"cached_url":1970},"https://x.com/Spendesk",{"tag":90,"_uid":1972,"hide":28,"icon":1973,"link":1977,"type":90,"label":90,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},"70991476-75cd-4094-ae94-acd39cb504f1",{"id":1974,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1975,"copyright":90,"fieldtype":174,"meta_data":1976,"is_private":28,"is_external_url":28},16281246,"https://a.storyblok.com/f/146026/12x12/169fccc4c0/icon-youtube-carbon_no-bg.svg",{},{"id":90,"url":1978,"linktype":178,"fieldtype":179,"cached_url":1978},"https://www.youtube.com/c/spendesk",[1980],{"tag":90,"_uid":1981,"hide":28,"icon":1982,"link":1983,"type":90,"label":90,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"b3e35b40-8a11-4b10-8610-d965ad8998f4",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":174},{"id":1984,"url":90,"linktype":284,"fieldtype":179,"cached_url":1985,"prep":41,"story":1986},"cda85daf-0d14-4698-9bb2-d5fbb6bd7bc5","/es/home",{"name":1987,"id":1988,"uuid":1984,"slug":1989,"url":1989,"full_slug":1990,"_stopResolving":41},"Homepage",106735746,"home","es/home",[1992],{"tag":90,"_uid":1993,"hide":28,"icon":1994,"link":1995,"type":90,"label":1997,"style":278,"component":182,"onClickEvent":1998,"openInANewTab":28,"horizontalFill":28},"2c621606-7c33-47b3-9eb1-456d185505fe",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":174},{"id":1307,"url":90,"anchor":90,"linktype":284,"fieldtype":179,"cached_url":1308,"prep":41,"story":1996},{"name":1310,"id":1311,"uuid":1307,"slug":1312,"url":1313,"full_slug":1314,"_stopResolving":41},"Agenda una demo","website:navbar:book_a_demo_cta:clicked",[2000],{"_uid":2001,"hide":28,"style":2002,"content":2003,"display":2029,"component":2030,"hideOnMobile":28,"mobileContent":2031},"295cfee8-25ae-49d8-8704-8e96565866d5","animated-gradient",{"type":192,"attrs":2004,"content":2005},{"backgroundColor":25},[2006],{"type":196,"attrs":2007,"content":2008},{"textAlign":25,"key":198},[2009,2015,2020,2022],{"text":2010,"type":202,"marks":2011},"Spendesk AI:",[2012,2014],{"type":257,"attrs":2013},{"color":90},{"type":524},{"text":2016,"type":202,"marks":2017}," El trabajo rutinario, resuelto. Las decisiones importantes, tuyas",[2018],{"type":257,"attrs":2019},{"color":90},{"text":2021,"type":202}," 👉 ",{"text":2023,"type":202,"marks":2024},"Conozca más",[2025,2028],{"type":180,"attrs":2026},{"href":1514,"uuid":1513,"anchor":25,"target":997,"linktype":284,"story":2027},{"name":1516,"id":1517,"uuid":1513,"slug":1518,"url":1519,"full_slug":1520,"_stopResolving":41},{"type":524},"Whole website","announcementBanner",{"type":192,"attrs":2032,"content":2033},{"backgroundColor":25},[2034],{"type":196,"attrs":2035,"content":2036},{"textAlign":25,"key":198},[2037,2040,2042],{"text":2010,"type":202,"marks":2038},[2039],{"type":524},{"text":2041,"type":202}," El trabajo rutinario, resuelto. Decisiones importantes, tuyas 👉 ",{"text":2023,"type":202,"marks":2043},[2044,2047],{"type":180,"attrs":2045},{"href":1514,"uuid":1513,"anchor":25,"target":997,"linktype":284,"story":2046},{"name":1516,"id":1517,"uuid":1513,"slug":1518,"url":1519,"full_slug":1520,"_stopResolving":41},{"type":524},"Seleccione su idioma","es/global-components/header",[2051],"Links checked",111907194,"ef28e32e-3701-433a-b77f-08737a82cfdc","2022-03-09T14:32:27.754Z","/",[],"global-components/header",[2059,2060,2061],{"path":2057,"name":25,"lang":37,"published":25},{"path":2057,"name":25,"lang":39,"published":25},{"path":2057,"name":25,"lang":32,"published":25},{"name":2063,"created_at":2064,"published_at":2065,"updated_at":2066,"id":2067,"uuid":2068,"content":2069,"slug":2289,"full_slug":2472,"sort_by_date":25,"position":26,"tag_list":2473,"is_startpage":28,"parent_id":2052,"meta_data":25,"group_id":2474,"first_published_at":2475,"release_id":25,"lang":32,"path":1653,"alternates":2476,"default_full_slug":2477,"translated_slugs":2478},"Footer","2022-03-03T10:27:46.390Z","2026-11-05T16:18:15.983Z","2026-11-05T16:18:16.023Z",112689691,"bd332f6b-f70a-4f07-abe4-434b845b6945",{"_uid":2070,"lists":2071,"component":2289,"logoLinks":2290,"legalLinks":2307,"socialLinks":2365,"newsletterForm":2391,"complianceLogos":2431,"newsletterTitle":2440,"smallDescription":2441,"newsletterSubtitle":2447,"legalDescriptionText":2448},"68acc184-683a-412b-863a-297708c3cffb",[2072,2106,2160,2257],{"_uid":2073,"ctas":2074,"label":1401,"component":1485,"labelColor":90,"backgroundIconColor":90},"d0f2d38f-3465-422c-9ebf-15df11d2c26b",[2075,2082,2088,2094,2100],{"tag":90,"_uid":2076,"hide":28,"icon":2077,"link":2079,"type":90,"label":2081,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"d7c91b3c-6e8c-4210-82fb-50a835efded0",{"id":1409,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1410,"copyright":90,"fieldtype":174,"meta_data":2078,"is_external_url":28},{},{"id":1413,"url":90,"linktype":284,"fieldtype":179,"cached_url":1414,"prep":41,"story":2080},{"name":1416,"id":1417,"uuid":1413,"slug":1418,"url":1419,"full_slug":1420,"_stopResolving":41},"Spendesk AI connect",{"tag":90,"_uid":2083,"icon":2084,"link":2086,"type":90,"label":1437,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28},"8fe65f6f-350a-43a6-bd1e-c689ca139c00",{"id":1425,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1426,"copyright":90,"fieldtype":174,"meta_data":2085,"is_external_url":28},{},{"id":1429,"url":90,"linktype":284,"fieldtype":179,"cached_url":1430,"prep":41,"story":2087},{"name":1432,"id":1433,"uuid":1429,"slug":1434,"url":1435,"full_slug":1436,"_stopResolving":41},{"tag":90,"_uid":2089,"hide":28,"icon":2090,"link":2092,"type":90,"label":1448,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"49e8fc3a-b545-40f3-89b6-fef1979dfcfc",{"id":1441,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1442,"copyright":90,"fieldtype":174,"meta_data":2091,"is_external_url":28},{},{"id":1445,"url":90,"linktype":284,"fieldtype":179,"cached_url":1446,"prep":41,"story":2093},{"name":1448,"id":1449,"uuid":1445,"slug":1450,"url":1451,"full_slug":1452,"_stopResolving":41},{"tag":90,"_uid":2095,"hide":28,"icon":2096,"link":2098,"type":90,"label":1468,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"9069228c-b61f-4f8b-a7f3-7327b46712f7",{"id":1456,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1457,"copyright":90,"fieldtype":174,"meta_data":2097,"is_external_url":28},{},{"id":1460,"url":90,"linktype":284,"fieldtype":179,"cached_url":1461,"prep":41,"story":2099},{"name":1463,"id":1464,"uuid":1460,"slug":1465,"url":1466,"full_slug":1467,"_stopResolving":41},{"tag":90,"_uid":2101,"icon":2102,"link":2104,"type":90,"label":1484,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28},"ee715f69-a1cc-4154-b8ba-f55ca358e584",{"id":1472,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1473,"copyright":90,"fieldtype":174,"meta_data":2103,"is_external_url":28},{},{"id":1476,"url":90,"linktype":284,"fieldtype":179,"cached_url":1477,"prep":41,"story":2105},{"name":1479,"id":1480,"uuid":1476,"slug":1481,"url":1482,"full_slug":1483,"_stopResolving":41},{"_uid":2107,"ctas":2108,"label":2159,"component":1485,"labelColor":90,"backgroundIconColor":90},"f5cbd7bc-f736-4698-a51e-febd689e8aba",[2109,2115,2122,2128,2134,2140,2146,2152],{"tag":90,"_uid":2110,"hide":28,"icon":2111,"link":2113,"type":90,"label":1505,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"c9bdfffe-0a2e-45a2-bdf1-a3e5f4f2b389",{"id":1493,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1494,"copyright":90,"fieldtype":174,"meta_data":2112,"is_external_url":28},{},{"id":1497,"url":90,"linktype":284,"fieldtype":179,"cached_url":1498,"prep":41,"story":2114},{"name":1500,"id":1501,"uuid":1497,"slug":1502,"url":1503,"full_slug":1504,"_stopResolving":41},{"tag":90,"_uid":2116,"hide":28,"icon":2117,"link":2119,"type":90,"label":2121,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"b19cf668-817c-4adc-b839-8635ff2f977e",{"id":1509,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1510,"copyright":90,"fieldtype":174,"meta_data":2118,"is_external_url":28},{},{"id":1513,"url":90,"linktype":284,"fieldtype":179,"cached_url":1514,"prep":41,"story":2120},{"name":1516,"id":1517,"uuid":1513,"slug":1518,"url":1519,"full_slug":1520,"_stopResolving":41},"Inteligencia y Automatización",{"tag":90,"_uid":2123,"hide":28,"icon":2124,"link":2126,"type":90,"label":1537,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"49c8595b-725e-49b7-9375-09b3a5cecbbd",{"id":1525,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1526,"copyright":90,"fieldtype":174,"meta_data":2125,"is_private":28,"is_external_url":28},{},{"id":1529,"url":90,"linktype":284,"fieldtype":179,"cached_url":1530,"prep":41,"story":2127},{"name":1532,"id":1533,"uuid":1529,"slug":1534,"url":1535,"full_slug":1536,"_stopResolving":41},{"tag":90,"_uid":2129,"icon":2130,"link":2132,"type":90,"label":1553,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28},"977a634d-082c-4387-8112-d3cfc025cc21",{"id":1541,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1542,"copyright":90,"fieldtype":174,"meta_data":2131,"is_external_url":28},{},{"id":1545,"url":90,"linktype":284,"fieldtype":179,"cached_url":1546,"prep":41,"story":2133},{"name":1548,"id":1549,"uuid":1545,"slug":1550,"url":1551,"full_slug":1552,"_stopResolving":41},{"tag":90,"_uid":2135,"icon":2136,"link":2138,"type":90,"label":1569,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28},"75918215-79bd-4d1e-8d6a-0f934a37adaa",{"id":1557,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1558,"copyright":90,"fieldtype":174,"meta_data":2137,"is_external_url":28},{},{"id":1561,"url":90,"linktype":284,"fieldtype":179,"cached_url":1562,"prep":41,"story":2139},{"name":1564,"id":1565,"uuid":1561,"slug":1566,"url":1567,"full_slug":1568,"_stopResolving":41},{"tag":90,"_uid":2141,"hide":28,"icon":2142,"link":2144,"type":90,"label":1619,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"6ceacb70-4395-4d46-a104-52bcbb12549a",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":2143},{},{"id":1612,"url":90,"linktype":284,"fieldtype":179,"cached_url":1613,"prep":41,"story":2145},{"name":1615,"id":1616,"uuid":1612,"slug":1617,"url":1617,"full_slug":1618,"_stopResolving":41},{"tag":90,"_uid":2147,"hide":41,"icon":2148,"link":2150,"type":90,"label":1937,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"aaf8481c-eaf9-49d6-bbf8-294414629527",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":2149},{},{"id":1931,"url":90,"linktype":284,"fieldtype":179,"cached_url":1932,"prep":41,"story":2151},{"name":1934,"id":1935,"uuid":1931,"slug":1936,"url":1936,"full_slug":1936,"_stopResolving":41},{"tag":90,"_uid":2153,"hide":28,"icon":2154,"link":2156,"type":90,"label":2158,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"9ac83939-1d0e-4acd-a388-b7e84d5fe919",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":2155},{},{"id":90,"url":2157,"linktype":178,"fieldtype":179,"cached_url":2157},"https://trust.spendesk.com/","Centro de confianza","Plataforma",{"_uid":2161,"ctas":2162,"label":2256,"component":1485,"backgroundIconColor":90},"a5692a00-27ae-4696-a7e1-1634fdadec5f",[2163,2169,2174,2187,2193,2200,2206,2212,2224,2231,2237,2243,2249],{"tag":90,"_uid":2164,"hide":28,"icon":2165,"link":2167,"type":90,"label":1632,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"51465f21-aec8-4db0-8abf-a7642c30c371",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":2166},{},{"id":1624,"url":90,"linktype":284,"fieldtype":179,"cached_url":1625,"prep":41,"story":2168},{"name":1627,"id":1628,"uuid":1624,"slug":1629,"url":1630,"full_slug":1631,"_stopResolving":41},{"tag":90,"_uid":2170,"icon":2171,"link":2172,"type":90,"label":1655,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28},"d8b26908-181b-4ad4-ac37-10378e37c224",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":174},{"id":1647,"url":90,"linktype":284,"fieldtype":179,"cached_url":1648,"prep":41,"story":2173},{"name":1650,"id":1651,"uuid":1647,"slug":1652,"url":1653,"full_slug":1654,"_stopResolving":41},{"tag":90,"_uid":2175,"icon":2176,"link":2177,"type":90,"label":2186,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28},"0c3791b7-d195-40e4-b4ef-3e23020f2fbd",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":174},{"id":2178,"url":90,"linktype":284,"fieldtype":179,"cached_url":2179,"prep":41,"story":2180},"00374c17-63ac-466f-a8fc-8e1c49811e67","/es/blog/all-articles",{"name":2181,"id":2182,"uuid":2178,"slug":2183,"url":2184,"full_slug":2185,"_stopResolving":41},"All articles",238103281021871,"all-articles","blog/all-articles","es/blog/all-articles","Todos los artículos",{"tag":90,"_uid":2188,"hide":28,"icon":2189,"link":2191,"type":90,"label":1671,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"82afa5ce-ceec-4f5f-8fa9-3f3c3f2ffee6",{"id":1659,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1660,"copyright":90,"fieldtype":174,"meta_data":2190,"is_external_url":28},{},{"id":1663,"url":90,"linktype":284,"fieldtype":179,"cached_url":1664,"prep":41,"story":2192},{"name":1666,"id":1667,"uuid":1663,"slug":1668,"url":1669,"full_slug":1670,"_stopResolving":41},{"tag":90,"_uid":2194,"hide":41,"icon":2195,"link":2197,"type":90,"label":2199,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"bc6ea1e5-e214-4c5b-891b-97f3a463ab96",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":2196},{},{"id":1679,"url":90,"linktype":284,"fieldtype":179,"cached_url":1680,"prep":41,"story":2198},{"name":1682,"id":1683,"uuid":1679,"slug":1684,"url":1684,"full_slug":1684,"_stopResolving":41},"FAQs",{"tag":90,"_uid":2201,"hide":41,"icon":2202,"link":2204,"type":90,"label":1699,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"a4cbb496-40d2-47fe-a675-0be9c945ac68",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":2203},{},{"id":1692,"url":90,"linktype":284,"fieldtype":179,"cached_url":1693,"prep":41,"story":2205},{"name":1695,"id":1696,"uuid":1692,"slug":1697,"url":1698,"full_slug":1698,"_stopResolving":41},{"tag":90,"_uid":2207,"hide":41,"icon":2208,"link":2210,"type":90,"label":1713,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"c6d3959b-8fdc-4fe9-a7f3-52f49ecbe443",{"id":1509,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1510,"copyright":90,"fieldtype":174,"meta_data":2209,"is_external_url":28},{},{"id":1710,"url":90,"linktype":284,"fieldtype":179,"cached_url":1711,"prep":41,"story":2211},{"name":1713,"id":1714,"uuid":1710,"slug":1715,"url":1715,"full_slug":1715,"_stopResolving":41},{"tag":90,"_uid":2213,"hide":28,"icon":2214,"link":2216,"type":90,"label":2223,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"c39d3fa4-a923-42b8-9d7c-0b9b936c5bcc",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":2215},{},{"id":2217,"url":90,"linktype":284,"fieldtype":179,"cached_url":2218,"prep":41,"story":2219},"b116361a-f2a4-40f7-a021-4b9b64edade9","/es/finance-resources",{"name":2220,"id":2221,"uuid":2217,"slug":2222,"url":2222,"full_slug":2222,"_stopResolving":41},"Finance resources",363638378,"finance-resources","Biblioteca de contenidos",{"tag":90,"_uid":2225,"hide":41,"icon":2226,"link":2228,"type":90,"label":2230,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"240f0a34-aa81-43d6-bda7-2d971d0d57b7",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":2227},{},{"id":1748,"url":90,"linktype":284,"fieldtype":179,"cached_url":1749,"prep":41,"story":2229},{"name":1751,"id":1752,"uuid":1748,"slug":1753,"url":1754,"full_slug":1754,"_stopResolving":41},"Calculador de ROI",{"tag":90,"_uid":2232,"hide":41,"icon":2233,"link":2235,"type":90,"label":1755,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"34303990-7e9e-493a-b31b-0dec6d2c9350",{"id":1744,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1745,"copyright":90,"fieldtype":174,"meta_data":2234,"is_external_url":28},{},{"id":1748,"url":90,"linktype":284,"fieldtype":179,"cached_url":1749,"prep":41,"story":2236},{"name":1751,"id":1752,"uuid":1748,"slug":1753,"url":1754,"full_slug":1754,"_stopResolving":41},{"tag":90,"_uid":2238,"icon":2239,"link":2241,"type":90,"label":1755,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"hide":41},"bdd90120-f369-405f-8e86-565a0cb8bebc",{"id":1456,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1457,"copyright":90,"fieldtype":174,"meta_data":2240,"is_external_url":28},{},{"id":1761,"url":90,"linktype":284,"fieldtype":179,"cached_url":1762,"prep":41,"story":2242},{"name":1764,"id":1765,"uuid":1761,"slug":1764,"url":1766,"full_slug":1766,"_stopResolving":41},{"tag":90,"_uid":2244,"hide":28,"icon":2245,"link":2247,"type":90,"label":1780,"style":278,"component":182,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},"1e38a088-1716-44d2-91c9-b42a77573314",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":2246},{},{"id":90,"url":2248,"linktype":178,"fieldtype":179,"cached_url":2248},"https://www.cfoconnect.eu/",{"tag":90,"_uid":2250,"hide":28,"icon":2251,"link":2253,"type":90,"label":2255,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"729e5d8c-44e2-4878-abfd-74b1064926c4",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":2252},{},{"id":90,"url":2254,"linktype":178,"fieldtype":179,"cached_url":2254},"https://helpcenter.spendesk.com/es","Ayuda","Resources",{"_uid":2258,"ctas":2259,"label":1803,"component":1485,"backgroundIconColor":90},"a55f4bc1-606b-46eb-a94d-b098cfcbf0c3",[2260,2266,2271,2277,2283],{"tag":90,"_uid":2261,"hide":28,"icon":2262,"link":2264,"type":90,"label":1820,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"3bbaa99b-a011-4bb0-b8a4-4155a0f67899",{"id":1541,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1542,"copyright":90,"fieldtype":174,"meta_data":2263,"is_private":28,"is_external_url":28},{},{"id":1813,"url":90,"linktype":284,"fieldtype":179,"cached_url":1814,"prep":41,"story":2265},{"name":1816,"id":1817,"uuid":1813,"slug":1818,"url":1818,"full_slug":1819,"_stopResolving":41},{"tag":90,"_uid":2267,"hide":28,"icon":2268,"link":2270,"type":90,"label":1829,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"fa32c6df-1ed1-4b6f-9521-f251c5d79dd4",{"id":1824,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1825,"copyright":90,"fieldtype":174,"meta_data":2269,"is_external_url":28},{},{"id":90,"url":1828,"linktype":178,"fieldtype":179,"cached_url":1828},{"tag":90,"_uid":2272,"hide":41,"icon":2273,"link":2275,"type":90,"label":1844,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"b6549fad-eb8f-4dba-a791-37ba72450943",{"id":1833,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1834,"copyright":90,"fieldtype":174,"meta_data":2274,"is_external_url":28},{},{"id":1837,"url":90,"linktype":284,"fieldtype":179,"cached_url":1838,"prep":41,"story":2276},{"name":1840,"id":1841,"uuid":1837,"slug":1842,"url":1843,"full_slug":1843,"_stopResolving":41},{"tag":90,"_uid":2278,"hide":28,"icon":2279,"link":2281,"type":90,"label":1863,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"6eed8aa0-be5f-4b19-b267-de46368f3dcd",{"id":1851,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1852,"copyright":90,"fieldtype":174,"meta_data":2280,"is_private":28,"is_external_url":28},{},{"id":1855,"url":90,"linktype":284,"fieldtype":179,"cached_url":1856,"prep":41,"story":2282},{"name":1858,"id":1859,"uuid":1855,"slug":1860,"url":1861,"full_slug":1862,"_stopResolving":41},{"tag":90,"_uid":2284,"hide":28,"icon":2285,"link":2287,"type":90,"label":1878,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"58e6df6a-1e1d-4c37-b4eb-6e8911fcc58e",{"id":1867,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1868,"copyright":90,"fieldtype":174,"meta_data":2286,"is_private":28,"is_external_url":28},{},{"id":1871,"url":90,"linktype":284,"fieldtype":179,"cached_url":1872,"prep":41,"story":2288},{"name":1874,"id":1875,"uuid":1871,"slug":1876,"url":1876,"full_slug":1877,"_stopResolving":41},"footer",[2291,2299],{"tag":90,"_uid":2292,"hide":28,"icon":2293,"link":2297,"type":90,"label":90,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"225df49b-7d21-46c3-986a-89b609d15540",{"id":2294,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2295,"copyright":90,"fieldtype":174,"meta_data":2296,"is_external_url":28},173615012056826,"https://a.storyblok.com/f/146026/3840x1138/df5342ecf7/app-store.png",{},{"id":90,"url":2298,"linktype":178,"fieldtype":179,"cached_url":2298},"https://apps.apple.com/gb/app/spendesk/id1189271166",{"tag":90,"_uid":2300,"hide":28,"icon":2301,"link":2305,"type":90,"label":90,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"304ab845-c02d-4797-ac5d-b731333ea7dd",{"id":2302,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2303,"copyright":90,"fieldtype":174,"meta_data":2304,"is_external_url":28},173615379803939,"https://a.storyblok.com/f/146026/3840x1138/74c7cdcd5e/play-store.png",{},{"id":90,"url":2306,"linktype":178,"fieldtype":179,"cached_url":2306},"https://play.google.com/store/apps/details?id=com.spendesk.spendesk",[2308,2314,2327,2340,2353,2359],{"tag":90,"_uid":2309,"icon":2310,"link":2311,"type":90,"label":2313,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28},"18c52dc1-2550-498e-947d-ad963cf65b82",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":174},{"id":1984,"url":90,"linktype":284,"fieldtype":179,"cached_url":1985,"prep":41,"story":2312},{"name":1987,"id":1988,"uuid":1984,"slug":1989,"url":1989,"full_slug":1990,"_stopResolving":41},"© Spendesk",{"tag":90,"_uid":2315,"icon":2316,"link":2317,"type":90,"label":2326,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"e04f239b-a66b-4a6e-a5aa-98e51dc8ed87",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":174},{"id":2318,"url":90,"linktype":284,"fieldtype":179,"cached_url":2319,"prep":41,"story":2320},"9ab6c86b-54a0-4c11-815c-fabbc1170f1a","/es/legals/terms",{"name":2321,"id":2322,"uuid":2318,"slug":2323,"url":2324,"full_slug":2325,"_stopResolving":41},"T&C index page",126275944,"terms","legals/terms/","es/legals/terms/","Condiciones Generales",{"tag":90,"_uid":2328,"icon":2329,"link":2330,"type":90,"label":2339,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"8ce65fa2-298d-48d3-813f-ad303b474ba9",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":174},{"id":2331,"url":90,"linktype":284,"fieldtype":179,"cached_url":2332,"prep":41,"story":2333},"79cf9763-fbf7-44fc-b713-7375d45cc602","/es/legals/privacy",{"name":2334,"id":2335,"uuid":2331,"slug":2336,"url":2337,"full_slug":2338,"_stopResolving":41},"Privacy Policy",126276104,"privacy","legals/privacy","es/legals/privacy","Política de Privacidad",{"tag":90,"_uid":2341,"icon":2342,"link":2343,"type":90,"label":2352,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"4102590b-cbea-46dc-a189-9d8f7a6b918d",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":174},{"id":2344,"url":90,"linktype":284,"fieldtype":179,"cached_url":2345,"prep":41,"story":2346},"48c66e1a-a010-45ab-824d-e2fe67bdc73b","/es/legals/cookies-policy",{"name":2347,"id":2348,"uuid":2344,"slug":2349,"url":2350,"full_slug":2351,"_stopResolving":41},"Cookies Policy",156606099,"cookies-policy","legals/cookies-policy","es/legals/cookies-policy","Política de Cookies",{"tag":90,"_uid":2354,"icon":2355,"link":2356,"type":90,"label":2358,"style":278,"component":182,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"a04b6ac0-49a7-4255-8df7-25607c934f2b",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":174},{"id":90,"url":2357,"linktype":178,"fieldtype":179,"cached_url":2357},"https://helpcenter.spendesk.com/en/articles/4168878-our-legal-notice","Aviso Legal",{"tag":90,"_uid":2360,"hide":28,"icon":2361,"link":2362,"type":90,"label":2364,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"13ba1af3-98e6-4327-9fd1-0d23d1d77f28",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":174},{"id":90,"url":2363,"linktype":178,"fieldtype":179,"cached_url":2363},"openConsentManager.action","Configuración de Cookies",[2366,2371,2376,2381,2386],{"tag":90,"_uid":2367,"icon":2368,"link":2370,"type":90,"label":90,"style":278,"component":182,"onClickEvent":90,"openInANewTab":41},"b8ae0710-0ec7-4295-a29f-077356785735",{"id":1942,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1943,"copyright":90,"fieldtype":174,"meta_data":2369,"is_external_url":28},{},{"id":90,"url":1946,"linktype":178,"fieldtype":179,"cached_url":1946},{"tag":90,"_uid":2372,"icon":2373,"link":2375,"type":90,"label":90,"style":278,"component":182,"onClickEvent":90,"openInANewTab":41},"ba7893c6-6da5-49f9-860d-c9a859f7d1c7",{"id":1950,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1951,"copyright":90,"fieldtype":174,"meta_data":2374,"is_private":28,"is_external_url":28},{},{"id":90,"url":1954,"linktype":178,"fieldtype":179,"cached_url":1954},{"tag":90,"_uid":2377,"icon":2378,"link":2380,"type":90,"label":90,"style":278,"component":182,"onClickEvent":90,"openInANewTab":41},"acea7ba4-1c98-4646-8648-cc6c8283efb6",{"id":1958,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1959,"copyright":90,"fieldtype":174,"meta_data":2379,"is_private":28,"is_external_url":28},{},{"id":90,"url":1962,"linktype":178,"fieldtype":179,"cached_url":1962},{"tag":90,"_uid":2382,"icon":2383,"link":2385,"type":90,"label":90,"style":278,"component":182,"onClickEvent":90,"openInANewTab":41},"c9f2572b-c12f-49af-bef8-18e30f455bec",{"id":1966,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1967,"copyright":90,"fieldtype":174,"meta_data":2384,"is_private":28,"is_external_url":28},{},{"id":90,"url":1970,"linktype":178,"fieldtype":179,"cached_url":1970},{"tag":90,"_uid":2387,"hide":28,"icon":2388,"link":2390,"type":90,"label":90,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},"17d82410-d4b0-45ca-b555-6942ae3c15a2",{"id":1974,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1975,"copyright":90,"fieldtype":174,"meta_data":2389,"is_private":28,"is_external_url":28},{},{"id":90,"url":1978,"linktype":178,"fieldtype":179,"cached_url":1978},[2392],{"_uid":2393,"fields":2394,"component":2426,"submitUrl":2427,"hubspotFormId":2428,"successMessage":2429,"horizontalAlign":90,"onSubmitSegmentEvent":2430},"b2ae7250-4af9-4eb3-be82-7d6f594a0049",[2395],{"_uid":2396,"name":2397,"type":202,"label":2398,"required":41,"component":2399,"submitBtn":2400,"legalNotice":2401,"placeholder":90,"validateEmail":41,"blockPersonalEmailAddresses":28},"96a2a670-a75c-4d4e-bd95-a8907909d223","email","Your email address","textField","Subscribe",{"type":192,"content":2402},[2403],{"type":196,"content":2404},[2405,2407,2416,2418,2424],{"text":2406,"type":202},"By submitting this form, you agree to be contacted by Spendesk - in accordance with Spendesk's ",{"text":2408,"type":202,"marks":2409},"Terms of Use",[2410],{"type":180,"attrs":2411},{"href":2412,"uuid":2318,"anchor":25,"custom":2413,"target":2414,"linktype":284,"story":2415},"/legals/terms","[object Object]","_blank",{"name":2321,"id":2322,"uuid":2318,"slug":2323,"url":2324,"full_slug":2325,"_stopResolving":41},{"text":2417,"type":202}," and ",{"text":2334,"type":202,"marks":2419},[2420],{"type":180,"attrs":2421},{"href":2422,"uuid":2331,"anchor":25,"custom":2413,"target":2414,"linktype":284,"story":2423},"/legals/privacy",{"name":2334,"id":2335,"uuid":2331,"slug":2336,"url":2337,"full_slug":2338,"_stopResolving":41},{"text":2425,"type":202},".","formGroup",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},"8b1b128b-c02a-41d9-a512-63e778c062c6","Success","website:footer:blog_newsletter:form_completed",[2432],{"tag":90,"_uid":2433,"hide":28,"icon":2434,"link":2438,"type":90,"label":90,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"60403492-9eb8-4b6c-95a2-ec45ca7b13ee",{"id":2435,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2436,"copyright":90,"fieldtype":174,"meta_data":2437,"is_external_url":28},15634686,"https://a.storyblok.com/f/146026/69x22/4d9cde3045/visa.svg",{},{"id":90,"url":2439,"linktype":178,"fieldtype":179,"cached_url":2439},"https://helpcenter.spendesk.com/es/articles/8850615-antes-despues-que-ha-cambiado-respecto-a-spendesk-tus-tarjetas-visa-business-premium","No te pierdas nunca una noticia",{"type":192,"content":2442},[2443],{"type":196,"content":2444},[2445],{"text":2446,"type":202},"Capacite a tu equipo con la solución completa de gestión de gastos","Suscríbate para recibir los recursos de suscripción más recientes de Spendesk.",{"type":192,"content":2449},[2450,2458,2465],{"type":196,"content":2451},[2452],{"text":2453,"type":202,"marks":2454},"Los servicios de pago son prestados como parte del producto Spendesk por Spendesk Financial Services en el EEE, por Adyen en el Reino Unido y por Sutton Bank en EE.UU.",[2455],{"type":257,"attrs":2456},{"color":2457},"rgb(0, 0, 0)",{"type":196,"content":2459},[2460],{"text":2461,"type":202,"marks":2462},"Spendesk Financial Services es una entidad de pago francesa autorizada por la ACPR con el número 17518. Adyen N.V. es un banco neerlandés, cuya sucursal en el Reino Unido está autorizada por la FCA a prestar servicios de pago con el número 779800. Sutton Bank es una entidad miembro asegurada por la FDIC.",[2463],{"type":257,"attrs":2464},{"color":2457},{"type":196,"content":2466},[2467],{"text":2468,"type":202,"marks":2469},"Las tarjetas de débito Visa son emitidas por Spendesk Financial Services en el EEE, por Adyen en el Reino Unido y por Sutton Bank en EE.UU., en virtud de una licencia de Visa.",[2470],{"type":257,"attrs":2471},{"color":2457},"es/global-components/footer",[],"8637d535-2095-4870-baed-1138fa7e786e","2022-03-24T16:23:19.302Z",[],"global-components/footer",[2479,2480,2481],{"path":2477,"name":25,"lang":37,"published":25},{"path":2477,"name":25,"lang":39,"published":25},{"path":2477,"name":25,"lang":32,"published":25},{"name":2483,"created_at":2484,"published_at":2485,"updated_at":2486,"id":2487,"uuid":2488,"content":2489,"slug":2639,"full_slug":2640,"sort_by_date":25,"position":2641,"tag_list":2642,"is_startpage":28,"parent_id":2052,"meta_data":25,"group_id":2643,"first_published_at":2644,"release_id":25,"lang":32,"path":25,"alternates":2645,"default_full_slug":2646,"translated_slugs":2647},"Common Content","2022-06-07T08:36:57.529Z","2026-10-22T14:55:39.232Z","2026-10-22T14:55:39.250Z",146453805,"fdf08e93-c532-4aac-bc09-a68c69394432",{"_uid":2490,"modalBtn":2491,"component":2492,"modalTitle":2493,"countdownDay":2494,"modalContent":2495,"modalSuccess":2507,"countdownHour":2508,"hubspotFormId":2509,"countdownLabel":2510,"formErrorTitle":2511,"countdownMinute":2512,"countdownSecond":2513,"eventsLiveLabel":2514,"eventsViewLabel":2515,"formErrorButton":2516,"selectNoOptions":2517,"eventsWatchLabel":2518,"copyPromptLibrary":2519,"eventsReplayLabel":2520,"formErrorSubtitle":2521,"eventsResultsLabel":2522,"blogAuthorResources":2523,"byRolePromptLibrary":2524,"copiedPromptLibrary":2525,"eventsAllTypesLabel":2526,"eventsJoinNextLabel":2527,"eventsLoadMoreLabel":2528,"eventsRegisterLabel":2529,"selectedPricingPage":2530,"yourPlanPricingPage":2531,"byTopicPromptLibrary":2532,"eventsAllTopicsLabel":2533,"allRolesPromptLibrary":2534,"eventsTypeFilterLabel":2535,"modalEmailPlaceholder":2536,"allTopicsPromptLibrary":2533,"emailValidationInvalid":2537,"eventsTopicFilterLabel":2538,"imageItemsListNoResult":2539,"noResultsPromptLibrary":2540,"phoneValidationInvalid":2541,"blogLoadMoreButtonLabel":2528,"eventsReplayPosterLabel":2542,"itemsFoundPromptLibrary":2543,"blogArticleUpdatedAtLabel":2544,"blogArticleWatchTimeLabel":2545,"clearFiltersPromptLibrary":2546,"modalExistingAccountTitle":2547,"modalExistingCompanyTitle":2548,"modalForExistingCustomers":2549,"organizationSchemaOffices":2556,"blogArticleListenTimeLabel":2545,"cardsGridSearchPlaceholder":2609,"blogArticlePublishedOnLabel":2610,"blogArticleReadingTimeLabel":2545,"emailValidationInvalidExist":2611,"modalForUnsupportedCountries":2612,"emailValidationInvalidInvited":2618,"organizationSchemaDescription":2619,"organizationSchemaContactEmail":2620,"modalExistingAccountDescription":2621,"modalExistingCompanyDescription":2627,"emailValidationInvalidDomainName":2633,"multiSelectDropdownSelectedLabel":2634,"softwareApplicationSchemaRatingCount":2635,"softwareApplicationSchemaRatingValue":2636,"emailValidationInvalidUnexpectedError":2637,"emailValidationInvalidCompanyRegistered":2638},"c86a540c-0da7-40e9-a9a5-5053e71081de","Enviar","commonContent","Spendesk aún no está disponible en tu país","Días",{"type":192,"content":2496},[2497,2502],{"type":196,"attrs":2498,"content":2499},{"textAlign":25},[2500],{"text":2501,"type":202},"Parece que te encuentras en un país en el que actualmente no prestamos servicio. Sin embargo, si tienes una empresa en el Espacio Económico Europeo o en el Reino Unido, podemos trabajar contigo y puedes reservar una demo.",{"type":196,"attrs":2503,"content":2504},{"textAlign":25},[2505],{"text":2506,"type":202},"De lo contrario, introduce tu correo electrónico a continuación y te avisaremos cuando podamos ayudarte en tu país.","Gracias por enviar el formulario","Horas","b095740c-b878-41dd-9a7b-f393d2e4de30","El evento comienza en","Ups, algo va mal…","Minutos","Segundos","Próximamente","Ver el evento","Actualizar","Aquí no hay opciones.","Ver la grabación","Copiar prompt","Grabación","Se ha producido un error al enviar el formulario. Asegúrese de desactivar los bloqueadores de anuncios de su navegador e inténtelo de nuevo.","{count} eventos","Artículos de {firstName}","Por rol","¡Copiado!","Todos","Únete al próximo","Cargar más","Inscribirse","seleccionados","Tu plan","Por tema","Todos los temas","Todos los roles","Filtrar por tipo","Correo electrónico del trabajo","Correo electrónico no válido","Filtrar por tema","Sin resultados","No hay ningún prompt que coincida con estos filtros. Prueba a quitarlos.","Número de teléfono no válido","Mira la grabación completa","encontrados","Actualizado el","min","Borrar filtros","Ya tienes una cuenta Spendesk","Su empresa ya tiene una cuenta Spendesk",{"type":192,"content":2550},[2551,2555],{"type":196,"content":2552},[2553],{"text":2554,"type":202},"It looks like your company already has a Spendesk account. Please request access from your finance team.",{"type":196},[2557,2573,2585,2597],{"cta":2558,"_uid":2565,"image":2566,"title":2570,"subtitle":2571,"component":2572},[2559],{"tag":90,"_uid":2560,"icon":2561,"link":2562,"type":90,"label":2564,"style":278,"component":182,"onClickEvent":90,"openInANewTab":41},"27667f76-0f06-4f10-9e17-a5fb46eb51eb",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":174},{"id":90,"url":2563,"linktype":178,"fieldtype":179,"cached_url":2563},"https://www.google.com/maps/place/Spendesk/@48.878282,2.3229527,17z/data=!3m1!4b1!4m5!3m4!1s0x47e66dde28328977:0xc584517ccc2c3038!8m2!3d48.8782785!4d2.3251414","Map","ae40634e-f543-4194-ad8b-b80fb446e253",{"id":2567,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2568,"copyright":90,"fieldtype":174,"meta_data":2569,"is_external_url":28},16726400,"https://a.storyblok.com/f/146026/32x32/991bcc40dc/icon-location-32px-bright-purple-filled.svg",{},"Paris, Francia","7 Rue de Madrid, 75008","officeLocationsItem",{"cta":2574,"_uid":2580,"image":2581,"title":2583,"subtitle":2584,"component":2572},[2575],{"tag":90,"_uid":2576,"icon":2577,"link":2578,"type":90,"label":2564,"style":278,"component":182,"onClickEvent":90,"openInANewTab":41},"b4c061b1-4c53-40fe-88e9-786150dc1f48",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":174},{"id":90,"url":2579,"linktype":178,"fieldtype":179,"cached_url":2579},"https://maps.app.goo.gl/9pFn7ohL5zdGnC3H6","41ed7761-debf-40b7-bd75-e2389bfb20dc",{"id":2567,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2568,"copyright":90,"fieldtype":174,"meta_data":2582,"is_external_url":28},{},"Londres, Reino Unido","168 Old Street, EC1V 9BP",{"cta":2586,"_uid":2592,"image":2593,"title":2595,"subtitle":2596,"component":2572},[2587],{"tag":90,"_uid":2588,"icon":2589,"link":2590,"type":90,"label":2564,"style":278,"component":182,"onClickEvent":90,"openInANewTab":41},"38c45a5f-f897-4567-9b07-94da07c069c6",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":174},{"id":90,"url":2591,"linktype":178,"fieldtype":179,"cached_url":2591},"https://maps.app.goo.gl/1sRofgrfatSwRecbA","b69cb15c-bf2d-4d26-9514-1b4301fa22f0",{"id":2567,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2568,"copyright":90,"fieldtype":174,"meta_data":2594,"is_external_url":28},{},"Berlina, Alemania","Warschauer Pl. 11-13, 10245",{"cta":2598,"_uid":2604,"image":2605,"title":2607,"subtitle":2608,"component":2572},[2599],{"tag":90,"_uid":2600,"icon":2601,"link":2602,"type":90,"label":2564,"style":278,"component":182,"onClickEvent":90,"openInANewTab":41},"e45749e6-59bb-4c57-a078-bd965da09b48",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":174},{"id":90,"url":2603,"linktype":178,"fieldtype":179,"cached_url":2603},"https://www.google.fr/maps/place/P.%C2%BA+de+la+Castellana,+194,+28046+Madrid,+Espagne/@40.461669,-3.6916388,17z/data=!3m1!4b1!4m6!3m5!1s0xd42291a4a992797:0x841e7e5325bcf405!8m2!3d40.461669!4d-3.6890639!16s%2Fg%2F11c1_kdlzk?entry=ttu","acb64cc8-ddee-4be7-814c-25ce7afba6e5",{"id":2567,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2568,"copyright":90,"fieldtype":174,"meta_data":2606,"is_external_url":28},{},"Madrid, España","Carrer de Rera Palau, 11, Planta 5, Ciutat Vella, 08003","Type here","Publicado el","Parece que ya tienes una cuenta con Spendesk, así que puedes iniciar sesión.",{"type":192,"content":2613},[2614],{"type":196,"content":2615},[2616],{"text":2617,"type":202},"It looks like you're in a country we don't currently serve. Enter your email below and we'll let you know when we can help.","Parece que ya te han invitado a Spendesk. Comprueba tu bandeja de entrada o pídele a tu administrador que te reenvíe la invitación.","Spendesk es una plataforma integral de gestión de gastos y compras que ayuda a las empresas a gestionar tarjetas corporativas, pagos de facturas, suscripciones y gastos de la empresa en tiempo real.","support@spendesk.com",{"type":192,"content":2622},[2623],{"type":196,"content":2624},[2625],{"text":2626,"type":202},"Ya existe una cuenta de Spendesk asociada a esta dirección de correo electrónico.",{"type":192,"content":2628},[2629],{"type":196,"content":2630},[2631],{"text":2632,"type":202},"Su empresa ya tiene una cuenta en Spendesk. Solicite acceso a su equipo financiero.","Esto parece ser un correo electrónico personal. Introduce tu dirección de correo profesional.","selected","412","4.6","Se ha producido un error inesperado. Inténtalo de nuevo más tarde o contacta con el equipo de soporte para obtener ayuda.","Esta empresa ya está registrada. Ponte en contacto con tu administrador.","commoncontent","es/global-components/commoncontent",-30,[],"426c6c03-a0cf-4332-9288-22e88c385143","2022-06-07T09:23:48.804Z",[],"global-components/commoncontent",[2648,2649,2650],{"path":2646,"name":25,"lang":37,"published":25},{"path":2646,"name":25,"lang":39,"published":25},{"path":2646,"name":25,"lang":32,"published":25},[2652,2656,2660,2664,2668,2672,2676,2680,2684],{"id":2653,"name":2654,"value":2655,"dimension_value":25},10736153,"Amplitude (Actions)","Sk9kb5VoOi-7",{"id":2657,"name":2658,"value":2659,"dimension_value":25},10736154,"Google Analytics 4 Web","HkocEodjb7",{"id":2661,"name":2662,"value":2663,"dimension_value":25},10736155,"Intercom","ryDQcVoOoZQ",{"id":2665,"name":2666,"value":2667,"dimension_value":25},10736156,"HubSpot","ry0QcNodoWQ",{"id":2669,"name":2670,"value":2671,"dimension_value":25},10736157,"Facebook Pixel","ko1w5PpFl",{"id":2673,"name":2674,"value":2675,"dimension_value":25},10736159,"Facebook Conversions API (Actions)","hMRPcifE3",{"id":2677,"name":2678,"value":2679,"dimension_value":25},10736765,"Bing Ads","dsS7z9Hv4",{"id":2681,"name":2682,"value":2683,"dimension_value":25},10736882,"LinkedIn Insight Tag","JQ2XQxIk",{"id":2685,"name":2686,"value":2687,"dimension_value":25},190238565984863,"StackAdapt","HJ5nxcEiOjZm",{"_uid":2689,"component":2690,"sidebarCta":2691,"leadwallForm":2726,"leadwallTitle":2727,"exitModalPopup":2728,"newsletterForm":2729,"newsletterTitle":2754,"bottomArticleCta":2755,"leadwallSubtitle":2787,"moreArticlesLabel":2788,"breadcrumbBlogLink":2789,"newsletterSubtitle":2791,"breadcrumbBlogLabel":1655,"breadcrumbArticleLabel":1273,"leadwallSuccessMessage":90,"hiddenNewsletterOnTopics":2792,"componentsAfterTheArticle":2795,"moreArticlesLabelFallback":2937,"sidebarTableOfContentsLabel":2938},"55aaa7a8-90eb-4bfc-82d2-fac89f2d77fb","blogArticleGlobal",[2692],{"cta":2693,"_uid":2701,"image":2702,"title":2704,"subtitle":2725,"component":1335},[2694],{"tag":90,"_uid":2695,"hide":28,"icon":2696,"link":2698,"type":90,"label":1997,"style":278,"component":182,"mobileLabel":90,"onClickEvent":2700,"openInANewTab":28,"horizontalFill":28},"1044c89e-408a-4543-acbd-f3b05e79fc22",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":2697},{},{"id":1307,"url":90,"linktype":284,"fieldtype":179,"cached_url":1308,"prep":41,"story":2699},{"name":1310,"id":1311,"uuid":1307,"slug":1312,"url":1313,"full_slug":1314,"_stopResolving":41},"website:blog_sidebar_button:clicked","f7a8e7d9-9cbe-43aa-8797-3cff6be1ffc2",{"id":1318,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1319,"copyright":90,"fieldtype":174,"meta_data":2703,"is_external_url":28},{},{"type":192,"content":2705},[2706],{"type":196,"attrs":2707,"content":2708},{"textAlign":25},[2709,2717,2718],{"text":2710,"type":202,"marks":2711},"Gasta mejor. ",[2712,2714],{"type":257,"attrs":2713},{"color":90},{"type":1331,"attrs":2715},{"class":2716},"text-item-heading text-item-heading-md",{"type":856},{"text":2719,"type":202,"marks":2720},"Trabaja mejor.",[2721,2723],{"type":257,"attrs":2722},{"color":90},{"type":1331,"attrs":2724},{"class":2716},"Centraliza tarjetas, facturas y gastos en un único flujo controlado para tener visibilidad en tiempo real y acelerar el cierre financiero.",[],"Want to continue reading?",[],[2730],{"_uid":2731,"fields":2732,"component":2426,"submitUrl":2752,"hubspotFormId":2428,"successMessage":2429,"horizontalAlign":90,"onSubmitSegmentEvent":2753},"631b3bd4-d4d7-468c-a4b2-8dbe164362b8",[2733],{"_uid":2734,"name":2397,"type":202,"label":2398,"required":41,"component":2399,"submitBtn":2400,"legalNotice":2735,"placeholder":90,"validateEmail":41,"blockPersonalEmailAddresses":28},"cc924123-e126-4829-a72a-43fcf863a045",{"type":192,"content":2736},[2737],{"type":196,"content":2738},[2739,2740,2745,2746,2751],{"text":2406,"type":202},{"text":2408,"type":202,"marks":2741},[2742],{"type":180,"attrs":2743},{"href":2412,"uuid":2318,"anchor":25,"custom":2413,"target":2414,"linktype":284,"story":2744},{"name":2321,"id":2322,"uuid":2318,"slug":2323,"url":2324,"full_slug":2325,"_stopResolving":41},{"text":2417,"type":202},{"text":2334,"type":202,"marks":2747},[2748],{"type":180,"attrs":2749},{"href":2422,"uuid":2331,"anchor":25,"custom":2413,"target":2414,"linktype":284,"story":2750},{"name":2334,"id":2335,"uuid":2331,"slug":2336,"url":2337,"full_slug":2338,"_stopResolving":41},{"text":2425,"type":202},{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},"website:article:blog_newsletter:form_completed","¿Te gusta lo que lees?",[2756],{"cta":2757,"_uid":2772,"image":2773,"title":2775,"subtitle":2786,"component":1335},[2758],{"tag":90,"_uid":2759,"hide":28,"icon":2760,"link":2762,"type":90,"label":2770,"style":278,"component":182,"mobileLabel":90,"onClickEvent":2771,"openInANewTab":28,"horizontalFill":28},"9cd3ad49-6a07-48f7-9aa3-34022fabf2d5",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":2761},{},{"id":2763,"url":90,"linktype":284,"fieldtype":179,"cached_url":2764,"prep":41,"story":2765},"0e21aea9-1207-42a1-93a5-48a5a547b5d4","/es/platform-tour",{"name":2766,"id":2767,"uuid":2763,"slug":2768,"url":2768,"full_slug":2769,"_stopResolving":41},"Platform tour",413550505,"platform-tour","es/platform-tour","Probar demo interactivo","website:blog_bottom_cta_block:clicked","ebce360c-a91d-46ab-8653-18bd86bb08be",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":174,"meta_data":2774,"is_external_url":28},{},{"type":192,"content":2776},[2777],{"type":196,"attrs":2778,"content":2779},{"textAlign":25},[2780],{"text":2781,"type":202,"marks":2782},"¿Quieres saber  cómo funciona Spendesk?",[2783],{"type":1331,"attrs":2784},{"class":2785},"patron-heading-2 accentuation-01","Prueba nuestro demo interactivo y descubre como controlar  el gasto y las aprobaciones de principio a fin.","Sign up to our newsletter to keep reading","Más artículos sobre",{"id":1647,"url":90,"linktype":284,"fieldtype":179,"cached_url":1648,"prep":41,"story":2790},{"name":1650,"id":1651,"uuid":1647,"slug":1652,"url":1653,"full_slug":1654,"_stopResolving":41},"Publicamos nuevos artículos como este cada semana. Suscríbete a nuestro Newsletter para mantenerte informado.",[2793,2794],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2796],{"cta":2797,"_uid":2798,"items":2799,"heading":2914,"reverse":28,"component":2935,"sectionSettings":2936},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2800,2857],{"_uid":2801,"title":2802,"component":2803,"description":2804},"dfc0accd-ab64-464a-8597-b76754748f04","¿Qué es la gestión del gasto?","faqItem",{"type":192,"content":2805},[2806,2811,2837,2842,2847,2852],{"type":196,"attrs":2807,"content":2808},{"textAlign":25},[2809],{"text":2810,"type":202},"El gasto empresarial incluye diferentes tipos de gasto:",{"type":2812,"attrs":2813,"content":2815},"ordered_list",{"order":2814},1,[2816,2823,2830],{"type":1214,"content":2817},[2818],{"type":196,"attrs":2819,"content":2820},{"textAlign":25},[2821],{"text":2822,"type":202},"El gasto estratégico suele estar centralizado y gestionado por ejecutivos de alto nivel con responsables de gasto dedicados. Se puede gestionar a través de facturas, transferencias bancarias y órdenes de compra.",{"type":1214,"content":2824},[2825],{"type":196,"attrs":2826,"content":2827},{"textAlign":25},[2828],{"text":2829,"type":202},"El gasto discrecional y operativo también está centralizado, pero lo realizan los directivos y empleados durante su vida profesional diaria. Incluye compras con tarjeta, pagos de suscripciones, anuncios digitales, eventos, pedidos de oficina y viajes de negocios.",{"type":1214,"content":2831},[2832],{"type":196,"attrs":2833,"content":2834},{"textAlign":25},[2835],{"text":2836,"type":202},"Los gastos, a diferencia del gasto estratégico, representan una cantidad significativa de pequeñas compras que pueden ser difíciles de rastrear. Estos incluyen pagos con tarjeta, reclamaciones de gastos, beneficios para el equipo y gastos de viaje.",{"type":196,"attrs":2838,"content":2839},{"textAlign":25},[2840],{"text":2841,"type":202},"La gestión del gasto es el proceso mediante el cual las empresas gestionan los gastos empresariales. Tiene en cuenta el proceso completo cuando alguien necesita realizar un gasto: obtener aprobaciones de compra, proporcionar métodos de pago, presentar y procesar facturas, presentar y reembolsar reclamaciones de gastos, buscar recibos y facturas para la conciliación, y asignar los códigos analíticos, las cuentas de gastos y los tipos de IVA adecuados a todos esos gastos para la contabilidad.",{"type":196,"attrs":2843,"content":2844},{"textAlign":25},[2845],{"text":2846,"type":202},"Las herramientas de gestión de gastos se vuelven necesarias cuando aumenta el número de empleados y la necesidad de procesos claros, mayor visibilidad y control comienza a crecer para los equipos financieros.",{"type":196,"attrs":2848,"content":2849},{"textAlign":25},[2850],{"text":2851,"type":202},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":196,"attrs":2853,"content":2854},{"textAlign":25},[2855],{"text":2856,"type":202},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2858,"title":2859,"component":2803,"description":2860},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":192,"content":2861},[2862,2867,2879,2884,2894,2899,2904,2909],{"type":196,"attrs":2863,"content":2864},{"textAlign":25},[2865],{"text":2866,"type":202},"Spendesk ofrece métodos de pago para empresas modernas y una potente plataforma para que los equipos financieros gestionen los gastos. Esto incluye tarjetas de débito para sustituir las antiguas tarjetas de crédito de empresa, tarjetas virtuales para compras online e informes de gastos automatizados para pagos inesperados.",{"type":196,"attrs":2868,"content":2869},{"textAlign":25},[2870,2874,2877],{"text":2871,"type":202,"marks":2872},"Para los empleados",[2873],{"type":524},{"type":856,"marks":2875},[2876],{"type":524},{"text":2878,"type":202},"Los empleados ya no tienen que pagar de su bolsillo. Solicitan fondos para una compra concreta y pueden utilizar su tarjeta Spendesk o su tarjeta virtual para realizar el pago.",{"type":196,"attrs":2880,"content":2881},{"textAlign":25},[2882],{"text":2883,"type":202},"Si por cualquier motivo el empleado no puede utilizar su tarjeta Spendesk, toma una foto del recibo a través de la aplicación móvil de Spendesk y crea una solicitud de reembolso de gastos en el acto. Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":196,"attrs":2885,"content":2886},{"textAlign":25},[2887,2891,2892],{"text":2888,"type":202,"marks":2889},"Para los equipos financieros",[2890],{"type":524},{"type":856},{"text":2893,"type":202},"Cada empleado tiene su propio perfil de Spendesk y su tarjeta de débito para gastos. Así, a diferencia de lo que ocurre con las tarjetas de crédito de empresa, siempre se sabe quién está gastando el dinero de la empresa.",{"type":196,"attrs":2895,"content":2896},{"textAlign":25},[2897],{"text":2898,"type":202},"La plataforma permite a los controladores crear límites de gasto y aprobaciones previas. Los ejecutivos de nivel C o los gerentes tendrán un nivel de gasto preaprobado diferente al del resto del personal. Si un miembro del equipo necesita superar su presupuesto preaprobado, puede solicitarlo a su gerente a través de la aplicación móvil o la plataforma en línea.",{"type":196,"attrs":2900,"content":2901},{"textAlign":25},[2902],{"text":2903,"type":202},"Cuando se realiza un gasto con una tarjeta Spendesk, el empleado simplemente toma una foto del recibo en el momento de la compra. Esto significa que ya no se pierden los recibos.",{"type":196,"attrs":2905,"content":2906},{"textAlign":25},[2907],{"text":2908,"type":202},"Los equipos financieros pueden ver los gastos de la empresa en tiempo real y hacer un seguimiento de los recibos o facturas que faltan enviando recordatorios a los empleados a través de la plataforma.",{"type":196,"attrs":2910,"content":2911},{"textAlign":25},[2912],{"text":2913,"type":202},"La revisión de los gastos también es más fácil, ya que los equipos financieros pueden agruparlos y asignarles los tipos de IVA y las cuentas de gastos adecuados antes de exportarlos fácilmente a sus herramientas de contabilidad.",[2915],{"cta":2916,"_uid":2917,"title":2918,"eyebrow":2925,"subtitle":2928,"component":310,"textAlign":90,"sectionSettings":2934,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":192,"content":2919},[2920],{"type":310,"attrs":2921,"content":2922},{"level":312},[2923],{"text":2924,"type":202},"Empezar con Spendesk",{"type":192,"content":2926},[2927],{"type":196},{"type":192,"content":2929},[2930],{"type":196,"content":2931},[2932],{"text":2933,"type":202},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],"faqSection",[],"Otros artículos","Enlaces rápidos",[2940,3242,3377,3514],{"name":2941,"created_at":2942,"published_at":2943,"updated_at":2944,"id":2945,"uuid":2946,"content":2947,"slug":3224,"full_slug":3225,"sort_by_date":25,"position":3226,"tag_list":3227,"is_startpage":28,"parent_id":1369,"meta_data":25,"group_id":3228,"first_published_at":3229,"release_id":25,"lang":32,"path":25,"alternates":3230,"default_full_slug":3236,"translated_slugs":3237},"Made in Europe: Spendesk, la plataforma europea de gestión del gasto","2026-08-24T11:31:22.856Z","2026-08-27T07:48:24.227Z","2026-08-27T07:48:24.271Z",212506553822404,"bbef6711-c0dc-4d7f-83d6-dd615e8b44a0",{"_uid":11,"title":2941,"topics":2948,"noIndex":28,"category":2957,"language":2966,"component":1285,"heroMedia":2967,"publishedAt":1336,"redirectUrl":90,"listingImage":2968,"metaDescription":2975,"bottomArticleCta":2976,"componentsAfterTheArticle":2977},[2949],{"name":218,"created_at":219,"published_at":220,"updated_at":221,"id":222,"uuid":223,"content":2950,"slug":234,"full_slug":235,"sort_by_date":25,"position":236,"tag_list":2951,"is_startpage":28,"parent_id":238,"meta_data":25,"group_id":239,"first_published_at":240,"release_id":25,"lang":32,"path":25,"alternates":2952,"default_full_slug":242,"translated_slugs":2953,"_stopResolving":41},{"_uid":233,"name":218,"component":22},[],[],[2954,2955,2956],{"path":242,"name":25,"lang":37,"published":25},{"path":242,"name":25,"lang":39,"published":25},{"path":242,"name":25,"lang":32,"published":25},{"name":1273,"created_at":1274,"published_at":16,"updated_at":1275,"id":1276,"uuid":1277,"content":2958,"slug":1285,"full_slug":1286,"sort_by_date":25,"position":52,"tag_list":2960,"is_startpage":28,"parent_id":1288,"meta_data":25,"group_id":1289,"first_published_at":1290,"release_id":25,"lang":32,"path":25,"alternates":2961,"default_full_slug":1292,"translated_slugs":2962,"_stopResolving":41},{"_uid":1279,"icon":2959,"name":1273,"component":1284},{"id":1281,"alt":1282,"name":90,"focus":90,"title":90,"filename":1283,"copyright":90,"fieldtype":174,"is_external_url":28},[],[],[2963,2964,2965],{"path":1292,"name":25,"lang":37,"published":25},{"path":1292,"name":25,"lang":39,"published":25},{"path":1292,"name":25,"lang":32,"published":25},[32],[],[2969],{"_uid":1339,"type":90,"asset":2970,"caption":90,"overlay":2974,"component":289},{"id":2971,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2972,"copyright":90,"fieldtype":174,"meta_data":2973,"is_external_url":28},213243701078040,"https://a.storyblok.com/f/146026/1480x974/42273df0ea/bcn-1.png",{},[],"Descubre Spendesk, la plataforma europea de gestión de gastos para equipos financieros, con tarjetas, gestión de gastos, compras, integraciones locales y cumplimiento normativo europeo.",[],[2978],{"cta":2979,"_uid":2980,"items":2981,"heading":3203,"reverse":28,"component":2935,"sectionSettings":3223},[],"aeee9899-85a3-4061-8844-6e6450559099",[2982,3003,3085,3137,3170],{"_uid":2983,"hide":28,"title":2984,"component":2803,"description":2985},"78c7f082-9319-4d2f-8718-1b16f40a451f","1. ¿Qué significa en la práctica «Made in Europe» para Spendesk?",{"type":192,"attrs":2986,"content":2987},{"backgroundColor":25},[2988],{"type":196,"attrs":2989,"content":2990},{"textAlign":25},[2991,2996,2997,2998],{"text":2992,"type":202,"marks":2993},"«Made in Europe» significa crear soluciones teniendo en cuenta las necesidades reales de los equipos financieros europeos, no limitarse a traducir un producto o añadir integraciones locales. Spendesk combina un profundo conocimiento de los mercados, una infraestructura de pagos regulada y un acompañamiento local cercano para ayudar a las empresas a gestionar sus operaciones financieras de forma eficiente y conforme a la normativa en toda Europa. ",[2994],{"type":257,"attrs":2995},{"color":259},{"type":856},{"type":856},{"text":2999,"type":202,"marks":3000},"Esta experiencia se construye con el tiempo, a partir de un conocimiento detallado de las normas, los sistemas de pago y los procesos operativos que varían de un mercado a otro. Las integraciones son solo una parte de esta cobertura más amplia, por lo que Spendesk se conecta tanto con herramientas locales como internacionales.",[3001],{"type":257,"attrs":3002},{"color":259},{"_uid":3004,"hide":28,"title":3005,"component":2803,"description":3006},"601308af-0b64-4e22-bb2d-4040e89e151c","2. ¿Con qué herramientas se integra Spendesk?",{"type":192,"attrs":3007,"content":3008},{"backgroundColor":25},[3009,3038],{"type":196,"attrs":3010,"content":3011},{"textAlign":25},[3012,3017,3024,3034],{"text":3013,"type":202,"marks":3014},"Spendesk se integra con herramientas de contabilidad, ERP, recursos humanos, gestión de viajes, comunicación e identidad, como Xero, NetSuite, DATEV, Personio, HiBob, TravelPerk y Slack, entre muchas otras. Consulta la lista completa en la",[3015],{"type":257,"attrs":3016},{"color":259},{"text":1879,"type":202,"marks":3018},[3019,3022],{"type":180,"attrs":3020},{"href":3021,"uuid":25,"anchor":25,"target":25,"linktype":178},"https://www.spendesk.com/integrations/",{"type":257,"attrs":3023},{"color":259},{"text":3025,"type":202,"marks":3026},"página de integraciones de Spendesk",[3027,3029,3032],{"type":180,"attrs":3028},{"href":3021,"uuid":25,"anchor":25,"target":25,"linktype":178},{"type":257,"attrs":3030},{"color":3031},"#1155CC",{"type":3033},"underline",{"text":2425,"type":202,"marks":3035},[3036],{"type":257,"attrs":3037},{"color":259},{"type":196,"attrs":3039,"content":3040},{"textAlign":25},[3041,3046,3053,3061,3066,3073,3081],{"text":3042,"type":202,"marks":3043},"Para obtener más información sobre las opciones de conexión de Spendesk, consulta",[3044],{"type":257,"attrs":3045},{"color":259},{"text":1879,"type":202,"marks":3047},[3048,3051],{"type":180,"attrs":3049},{"href":3050,"uuid":25,"anchor":25,"target":25,"linktype":178},"https://www.spendesk.com/blog/public-api-spend-management/",{"type":257,"attrs":3052},{"color":259},{"text":3054,"type":202,"marks":3055},"Las principales ventajas de una API pública para las herramientas de gestión del gasto",[3056,3058,3060],{"type":180,"attrs":3057},{"href":3050,"uuid":25,"anchor":25,"target":25,"linktype":178},{"type":257,"attrs":3059},{"color":3031},{"type":3033},{"text":3062,"type":202,"marks":3063}," o descubre cómo Spendesk se conecta con el software de contabilidad local en",[3064],{"type":257,"attrs":3065},{"color":259},{"text":1879,"type":202,"marks":3067},[3068,3071],{"type":180,"attrs":3069},{"href":3070,"uuid":25,"anchor":25,"target":25,"linktype":178},"https://www.spendesk.com/blog/spendesk-datev-integration-germany/",{"type":257,"attrs":3072},{"color":259},{"text":3074,"type":202,"marks":3075},"Calidad alemana: integración de Spendesk con DATEV",[3076,3078,3080],{"type":180,"attrs":3077},{"href":3070,"uuid":25,"anchor":25,"target":25,"linktype":178},{"type":257,"attrs":3079},{"color":3031},{"type":3033},{"text":2425,"type":202,"marks":3082},[3083],{"type":257,"attrs":3084},{"color":259},{"_uid":3086,"hide":28,"title":3087,"component":2803,"description":3088},"126c17b5-d221-4150-8f12-d9ad4d9e5379","3. ¿Qué es la soberanía de los datos y qué implica la soberanía europea de los datos para los clientes de Spendesk?",{"type":192,"attrs":3089,"content":3090},{"backgroundColor":25},[3091],{"type":196,"attrs":3092,"content":3093},{"textAlign":25},[3094,3099,3105,3113,3118,3125,3133],{"text":3095,"type":202,"marks":3096},"Spendesk aloja los datos de sus clientes en infraestructura de AWS ubicada en Irlanda, dentro de la Unión Europea, y cumple los requisitos del RGPD. Aunque los datos se alojan en la UE, el uso de determinados proveedores vinculados a Estados Unidos puede crear una exposición indirecta a solicitudes legales de acceso por parte de las autoridades estadounidenses, incluida la Ley CLOUD. Los compromisos de AWS en materia de protección de datos y los marcos jurídicos aplicables de la UE ofrecen garantías para la protección de los datos de los clientes. Más información en el",[3097],{"type":257,"attrs":3098},{"color":259},{"text":1879,"type":202,"marks":3100},[3101,3103],{"type":180,"attrs":3102},{"href":2157,"uuid":25,"anchor":25,"target":25,"linktype":178},{"type":257,"attrs":3104},{"color":259},{"text":3106,"type":202,"marks":3107},"Centro de confianza de Spendesk",[3108,3110,3112],{"type":180,"attrs":3109},{"href":2157,"uuid":25,"anchor":25,"target":25,"linktype":178},{"type":257,"attrs":3111},{"color":3031},{"type":3033},{"text":3114,"type":202,"marks":3115}," y en la",[3116],{"type":257,"attrs":3117},{"color":259},{"text":1879,"type":202,"marks":3119},[3120,3123],{"type":180,"attrs":3121},{"href":3122,"uuid":25,"anchor":25,"target":25,"linktype":178},"https://www.spendesk.com/legals/privacy/",{"type":257,"attrs":3124},{"color":259},{"text":3126,"type":202,"marks":3127},"Política de privacidad",[3128,3130,3132],{"type":180,"attrs":3129},{"href":3122,"uuid":25,"anchor":25,"target":25,"linktype":178},{"type":257,"attrs":3131},{"color":3031},{"type":3033},{"text":2425,"type":202,"marks":3134},[3135],{"type":257,"attrs":3136},{"color":259},{"_uid":3138,"hide":28,"title":3139,"component":2803,"description":3140},"d8c80a63-f438-4bdd-909c-908d7f0e2e3e","4. ¿Admite Spendesk empresas que operan en varios países y con varias entidades?",{"type":192,"attrs":3141,"content":3142},{"backgroundColor":25},[3143],{"type":196,"attrs":3144,"content":3145},{"textAlign":25},[3146,3151,3158,3166],{"text":3147,"type":202,"marks":3148},"Sí. Spendesk admite organizaciones con varias entidades y ayuda a los equipos financieros a estandarizar sus procesos de gestión del gasto en distintos países, manteniendo los datos conectados con las herramientas contables y empresariales correspondientes. Descubre más sobre la",[3149],{"type":257,"attrs":3150},{"color":259},{"text":1879,"type":202,"marks":3152},[3153,3156],{"type":180,"attrs":3154},{"href":3155,"uuid":25,"anchor":25,"target":25,"linktype":178},"https://www.spendesk.com/blog/multi-entity-management/",{"type":257,"attrs":3157},{"color":259},{"text":3159,"type":202,"marks":3160},"gestión multiempresa",[3161,3163,3165],{"type":180,"attrs":3162},{"href":3155,"uuid":25,"anchor":25,"target":25,"linktype":178},{"type":257,"attrs":3164},{"color":3031},{"type":3033},{"text":2425,"type":202,"marks":3167},[3168],{"type":257,"attrs":3169},{"color":259},{"_uid":3171,"hide":28,"title":3172,"component":2803,"description":3173},"b035e9a1-33fd-4457-ac12-1840de65200a","5. ¿En qué se diferencia Spendesk de otras plataformas de gestión del gasto?",{"type":192,"attrs":3174,"content":3175},{"backgroundColor":25},[3176],{"type":196,"attrs":3177,"content":3178},{"textAlign":25},[3179,3184,3191,3199],{"text":3180,"type":202,"marks":3181},"Spendesk reúne tarjetas, gastos, facturas, compras, suscripciones, presupuestos, aprobaciones e informes en una única plataforma. Esto proporciona a los equipos financieros una visión completa del gasto de la empresa sin depender de varias soluciones independientes. Descubre cómo se compara Spendesk con otros proveedores en",[3182],{"type":257,"attrs":3183},{"color":259},{"text":1879,"type":202,"marks":3185},[3186,3189],{"type":180,"attrs":3187},{"href":3188,"uuid":25,"anchor":25,"target":25,"linktype":178},"https://www.spendesk.com/blog/spend-management-software/",{"type":257,"attrs":3190},{"color":259},{"text":3192,"type":202,"marks":3193},"Las 10 principales soluciones de software de gestión del gasto para 2026",[3194,3196,3198],{"type":180,"attrs":3195},{"href":3188,"uuid":25,"anchor":25,"target":25,"linktype":178},{"type":257,"attrs":3197},{"color":3031},{"type":3033},{"text":2425,"type":202,"marks":3200},[3201],{"type":257,"attrs":3202},{"color":259},[3204],{"cta":3205,"_uid":3206,"title":3207,"eyebrow":3215,"subtitle":3218,"component":310,"textAlign":90,"eyebrowPill":28,"flexibleSection":3221,"sectionSettings":3222,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"64791c99-37cd-433c-a5ef-12dc1ae29b9f",{"type":192,"content":3208},[3209],{"type":310,"attrs":3210,"content":3211},{"level":312,"textAlign":25},[3212],{"text":1682,"type":202,"marks":3213},[3214],{"type":524},{"type":192,"content":3216},[3217],{"type":196},{"type":192,"content":3219},[3220],{"type":196},[],[],[],"spendesk-plataforma-europea-de-gestion-del-gasto","es/blog/es",-1500,[],"3bcb1bf6-92be-4060-9a2c-5d1c2f334d16","2026-08-26T16:13:32.919Z",[3231],{"id":3232,"name":3233,"slug":3234,"published":41,"full_slug":3235,"is_folder":28,"parent_id":1369},205766540760039,"Made in Europe","made-in-europe","blog/made-in-europe","blog/spendesk-plataforma-europea-de-gestion-del-gasto",[3238,3239,3240],{"path":3236,"name":25,"lang":37,"published":25},{"path":3236,"name":25,"lang":39,"published":25},{"path":3241,"name":90,"lang":32,"published":41},"blog/es",{"name":3243,"created_at":3244,"published_at":3245,"updated_at":3246,"id":3247,"uuid":3248,"content":3249,"slug":3365,"full_slug":3366,"sort_by_date":25,"position":3367,"tag_list":3368,"is_startpage":28,"parent_id":1369,"meta_data":25,"group_id":3369,"first_published_at":3370,"release_id":25,"lang":32,"path":25,"alternates":3371,"default_full_slug":3372,"translated_slugs":3373},"Herramientas para gestionar el presupuesto de marketing: planificación, gasto y reporting","2026-10-30T15:33:33.228Z","2026-11-02T08:19:55.516Z","2026-11-02T08:19:55.539Z",236276995011438,"adfd74cc-e5ce-474c-97a9-f4ef57fe0203",{"_uid":3250,"title":3243,"topics":3251,"noIndex":28,"category":3273,"language":3282,"readTime":90,"component":1285,"heroMedia":3283,"publishedAt":3284,"redirectUrl":90,"leadwallForm":3285,"listingImage":3286,"leadwallTitle":90,"metaDescription":3294,"bottomArticleCta":3295,"leadwallSubtitle":90,"isLeadwallEnabled":28,"componentsAfterTheArticle":3296,"leadwallVisibleParagraphs":90},"379d937e-bb2d-4294-9df6-07cd63732083",[3252],{"name":3253,"created_at":3254,"published_at":3255,"updated_at":3256,"id":3257,"uuid":3258,"content":3259,"slug":3261,"full_slug":3262,"sort_by_date":25,"position":3263,"tag_list":3264,"is_startpage":28,"parent_id":238,"meta_data":25,"group_id":3265,"first_published_at":3266,"release_id":25,"lang":32,"path":25,"alternates":3267,"default_full_slug":3268,"translated_slugs":3269,"_stopResolving":41},"Presupuestos","2023-06-08T09:19:29.066Z","2026-09-29T09:14:32.490Z","2026-09-29T09:14:32.509Z",320660662,"636a19ab-b2b0-4a0e-bbd5-e24ac80d6aa4",{"_uid":3260,"name":3253,"component":22},"a2c58a16-f495-475f-951f-05171468aae4","presupuestos","es/blog/topic/presupuestos",-530,[],"fe2bdee7-65aa-48af-9e56-ed40b8f17611","2022-11-02T15:24:39.815Z",[],"blog/topic/presupuestos",[3270,3271,3272],{"path":3268,"name":25,"lang":37,"published":25},{"path":3268,"name":25,"lang":39,"published":25},{"path":3268,"name":25,"lang":32,"published":25},{"name":1273,"created_at":1274,"published_at":16,"updated_at":1275,"id":1276,"uuid":1277,"content":3274,"slug":1285,"full_slug":1286,"sort_by_date":25,"position":52,"tag_list":3276,"is_startpage":28,"parent_id":1288,"meta_data":25,"group_id":1289,"first_published_at":1290,"release_id":25,"lang":32,"path":25,"alternates":3277,"default_full_slug":1292,"translated_slugs":3278,"_stopResolving":41},{"_uid":1279,"icon":3275,"name":1273,"component":1284},{"id":1281,"alt":1282,"name":90,"focus":90,"title":90,"filename":1283,"copyright":90,"fieldtype":174,"is_external_url":28},[],[],[3279,3280,3281],{"path":1292,"name":25,"lang":37,"published":25},{"path":1292,"name":25,"lang":39,"published":25},{"path":1292,"name":25,"lang":32,"published":25},[32],[],"2026-10-30 00:00",[],[3287],{"_uid":3288,"link":3289,"asset":3290,"caption":90,"component":289},"6ec874b7-bb17-4de2-ae6f-9792ef8fc755",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":3291,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3292,"copyright":90,"fieldtype":174,"meta_data":3293,"is_external_url":28},236278285490971,"https://a.storyblok.com/f/146026/1536x1024/4908518b53/marketing-budget-header-funnel.png",{},"Descubre herramientas para gestionar el presupuesto de marketing: planifica campañas, controla gastos, automatiza aprobaciones y mide el ROI.\n",[],[3297],{"cta":3298,"_uid":3299,"items":3300,"heading":3345,"reverse":28,"component":2935,"sectionSettings":3364},[],"4fccae22-53c5-4eb0-a3dd-d9ca4f4d4737",[3301,3312,3323,3334],{"_uid":3302,"hide":28,"title":3303,"component":2803,"description":3304},"86e3510a-a8eb-400b-be28-bf00b8458eae","¿Sirve una hoja de cálculo para el presupuesto de marketing?",{"type":192,"attrs":3305,"content":3306},{"backgroundColor":25},[3307],{"type":196,"attrs":3308,"content":3309},{"textAlign":25},[3310],{"text":3311,"type":202},"Sirve para planificar y mientras una sola persona registra todos los pagos. Cuando varias personas gastan con tarjeta y llegan facturas cada semana, úsala como plan y haz el seguimiento con una herramienta conectada a los pagos.",{"_uid":3313,"hide":28,"title":3314,"component":2803,"description":3315},"23bb4593-0fbf-4a60-a723-37056dc5bd89","¿Cómo comparar el gasto real con el presupuesto previsto?",{"type":192,"attrs":3316,"content":3317},{"backgroundColor":25},[3318],{"type":196,"attrs":3319,"content":3320},{"textAlign":25},[3321],{"text":3322,"type":202},"Asigna cada pago a una partida con sus cuatro etiquetas y revisa la diferencia una vez por semana. Así detectas las desviaciones cuando aún puedes mover dinero entre partidas.",{"_uid":3324,"hide":28,"title":3325,"component":2803,"description":3326},"992cb062-7826-4016-bbf9-c281e4273f65","¿Cómo controlar las suscripciones de software de marketing?",{"type":192,"attrs":3327,"content":3328},{"backgroundColor":25},[3329],{"type":196,"attrs":3330,"content":3331},{"textAlign":25},[3332],{"text":3333,"type":202},"Paga cada herramienta con su propia tarjeta virtual y un responsable asignado. Revisa cada mes las renovaciones de los 30 días siguientes y cancela las licencias de quien ya no las usa.",{"_uid":3335,"hide":28,"title":3336,"component":2803,"description":3337},"3bcecb71-7f98-4fb9-ae2a-676a44cae61e","¿Qué debe buscar en un software de presupuesto de marketing?",{"type":192,"attrs":3338,"content":3339},{"backgroundColor":25},[3340],{"type":196,"attrs":3341,"content":3342},{"textAlign":25},[3343],{"text":3344,"type":202},"Que conecte cada pago con su partida en tiempo real y muestre el saldo disponible dentro del flujo de aprobación. Debe cubrir los tres tipos de gasto, tarjetas, facturas y suscripciones, guardar el historial de aprobaciones y exportar a tu contabilidad sin trabajo manual.",[3346],{"cta":3347,"_uid":3348,"title":3349,"layout":90,"eyebrow":3356,"subtitle":3359,"component":310,"textAlign":90,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":3362,"sectionSettings":3363,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"0abdfc20-6dc4-4dde-a291-5cecd361ac8d",{"type":192,"attrs":3350,"content":3351},{"backgroundColor":25},[3352],{"type":310,"attrs":3353,"content":3354},{"level":312,"textAlign":25},[3355],{"text":2199,"type":202},{"type":192,"content":3357},[3358],{"type":196},{"type":192,"content":3360},[3361],{"type":196},[],[],[],"herramientas-para-gestionar-el-presupuesto-de-marketing-planificacion-gasto-y-reporting","es/blog/herramientas-para-gestionar-el-presupuesto-de-marketing-planificacion-gasto-y-reporting",-4050,[],"d0aac8dd-e1d8-4734-b4d2-48b6d00ac24f","2026-10-30T15:51:30.988Z",[],"blog/herramientas-para-gestionar-el-presupuesto-de-marketing-planificacion-gasto-y-reporting",[3374,3375,3376],{"path":3372,"name":25,"lang":37,"published":25},{"path":3372,"name":25,"lang":39,"published":25},{"path":3372,"name":25,"lang":32,"published":25},{"name":3378,"created_at":3379,"published_at":3380,"updated_at":3381,"id":3382,"uuid":3383,"content":3384,"slug":3502,"full_slug":3503,"sort_by_date":25,"position":3504,"tag_list":3505,"is_startpage":28,"parent_id":1369,"meta_data":25,"group_id":3506,"first_published_at":3507,"release_id":25,"lang":32,"path":25,"alternates":3508,"default_full_slug":3509,"translated_slugs":3510},"Herramientas para hacer seguimiento del presupuesto en tiempo real","2026-10-29T14:55:38.564Z","2026-10-30T10:39:28.010Z","2026-10-30T10:39:28.044Z",235913783591181,"2d676210-0c22-4aba-92ad-4417e9f7ef2d",{"_uid":3385,"title":3378,"topics":3386,"noIndex":28,"category":3410,"language":3419,"readTime":90,"component":1285,"heroMedia":3420,"publishedAt":3421,"redirectUrl":90,"leadwallForm":3422,"listingImage":3423,"leadwallTitle":90,"metaDescription":3431,"bottomArticleCta":3432,"leadwallSubtitle":90,"isLeadwallEnabled":28,"componentsAfterTheArticle":3433,"leadwallVisibleParagraphs":90},"22b7d388-5f2d-45a3-bb80-733276e51210",[3387],{"name":3388,"created_at":3389,"published_at":3390,"updated_at":3391,"id":3392,"uuid":3393,"content":3394,"slug":3398,"full_slug":3399,"sort_by_date":25,"position":3400,"tag_list":3401,"is_startpage":28,"parent_id":238,"meta_data":25,"group_id":3402,"first_published_at":3403,"release_id":25,"lang":32,"path":25,"alternates":3404,"default_full_slug":3405,"translated_slugs":3406,"_stopResolving":41},"AI and automation","2025-08-19T08:06:19.962Z","2026-09-29T09:14:00.264Z","2026-09-29T09:14:00.282Z",81515233149777,"3ca53d54-ac91-4164-a973-ef9cabc51cf6",{"_uid":3395,"icon":3396,"name":3388,"component":22},"53de838f-fa34-428c-8ebb-c91c00b2c34f",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":3397},{},"ai-and-automation","es/blog/topic/ai-and-automation",-570,[],"7e1b1946-7c16-41c9-a1ae-29d430eb6ed1","2025-08-19T08:06:29.358Z",[],"blog/topic/ai-and-automation",[3407,3408,3409],{"path":3405,"name":25,"lang":37,"published":25},{"path":3405,"name":25,"lang":39,"published":25},{"path":3405,"name":25,"lang":32,"published":25},{"name":1273,"created_at":1274,"published_at":16,"updated_at":1275,"id":1276,"uuid":1277,"content":3411,"slug":1285,"full_slug":1286,"sort_by_date":25,"position":52,"tag_list":3413,"is_startpage":28,"parent_id":1288,"meta_data":25,"group_id":1289,"first_published_at":1290,"release_id":25,"lang":32,"path":25,"alternates":3414,"default_full_slug":1292,"translated_slugs":3415,"_stopResolving":41},{"_uid":1279,"icon":3412,"name":1273,"component":1284},{"id":1281,"alt":1282,"name":90,"focus":90,"title":90,"filename":1283,"copyright":90,"fieldtype":174,"is_external_url":28},[],[],[3416,3417,3418],{"path":1292,"name":25,"lang":37,"published":25},{"path":1292,"name":25,"lang":39,"published":25},{"path":1292,"name":25,"lang":32,"published":25},[32],[],"2026-10-29 00:00",[],[3424],{"_uid":3425,"link":3426,"asset":3427,"caption":90,"component":289},"f506bcb7-50ba-48b8-9251-2ada4ed83471",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":3428,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3429,"copyright":90,"fieldtype":174,"meta_data":3430,"is_external_url":28},235914227943049,"https://a.storyblok.com/f/146026/1248x832/2af297a350/budget-control-bridge.png",{},"Descubre qué herramientas permiten controlar el presupuesto en tiempo real, anticipar desviaciones y gestionar gastos, aprobaciones y compromisos desde una sola plataforma.\n",[],[3434],{"cta":3435,"_uid":3436,"items":3437,"heading":3482,"reverse":28,"component":2935,"sectionSettings":3501},[],"760e6fb0-3e22-4972-8687-bf5b1b9ca40f",[3438,3449,3460,3471],{"_uid":3439,"hide":28,"title":3440,"component":2803,"description":3441},"cfa24319-bfaf-4bb3-9f12-5c7b0883e58a","¿Con qué frecuencia debe revisarse el presupuesto si los datos están en tiempo real?",{"type":192,"attrs":3442,"content":3443},{"backgroundColor":25},[3444],{"type":196,"attrs":3445,"content":3446},{"textAlign":25},[3447],{"text":3448,"type":202},"Los responsables de presupuesto pueden consultarlo a diario, pero una revisión formal cada mes sigue siendo útil. Con datos en vivo, esa reunión de 30 minutos se dedica a decidir reasignaciones.",{"_uid":3450,"hide":28,"title":3451,"component":2803,"description":3452},"bba79f0b-6b67-4991-bd15-049529b25433","¿Se puede hacer seguimiento del presupuesto por entidad en un grupo de empresas?",{"type":192,"attrs":3453,"content":3454},{"backgroundColor":25},[3455],{"type":196,"attrs":3456,"content":3457},{"textAlign":25},[3458],{"text":3459,"type":202},"Sí, siempre que cada gasto se impute a su sociedad en el momento de la compra. Con dos o más entidades, esa imputación evita reconstruir el presupuesto de cada filial a mano.",{"_uid":3461,"hide":28,"title":3462,"component":2803,"description":3463},"c6602111-0021-4043-9f5c-18c8f9e90ce9","¿Cuándo conviene dejar Excel para el seguimiento del presupuesto?",{"type":192,"attrs":3464,"content":3465},{"backgroundColor":25},[3466],{"type":196,"attrs":3467,"content":3468},{"textAlign":25},[3469],{"text":3470,"type":202},"Como referencia orientativa, cuando dedicas más de un día al mes a consolidar exportaciones o gestionas más de 10 responsables de presupuesto. Excel falla porque solo refleja lo que alguien exportó, no ve el gasto comprometido y cada responsable acaba trabajando con su propia versión. A partir de ahí, el retraso del dato cuesta más que la herramienta.",{"_uid":3472,"hide":28,"title":3473,"component":2803,"description":3474},"03c0a5ed-3dc1-40c8-8d3b-4c22b1f1cff6","¿Cuál es la diferencia entre seguimiento presupuestario y control del gasto?",{"type":192,"attrs":3475,"content":3476},{"backgroundColor":25},[3477],{"type":196,"attrs":3478,"content":3479},{"textAlign":25},[3480],{"text":3481,"type":202},"El seguimiento compara presupuesto y gasto después de que ocurra, mientras que el control actúa antes, con aprobaciones y límites. Una alerta al 80% es seguimiento; un límite de 500 € en una tarjeta es control.",[3483],{"cta":3484,"_uid":3485,"title":3486,"layout":90,"eyebrow":3493,"subtitle":3496,"component":310,"textAlign":90,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":3499,"sectionSettings":3500,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"d82fc8f2-16fe-4704-bebc-15d754086f13",{"type":192,"attrs":3487,"content":3488},{"backgroundColor":25},[3489],{"type":310,"attrs":3490,"content":3491},{"level":312,"textAlign":25},[3492],{"text":2199,"type":202},{"type":192,"content":3494},[3495],{"type":196},{"type":192,"content":3497},[3498],{"type":196},[],[],[],"herramientas-para-hacer-seguimiento-del-presupuesto-en-tiempo-real","es/blog/herramientas-para-hacer-seguimiento-del-presupuesto-en-tiempo-real",-4020,[],"915f62e1-9ea1-48a1-b0a3-2068ea7f0e3e","2026-10-29T15:02:50.161Z",[],"blog/herramientas-para-hacer-seguimiento-del-presupuesto-en-tiempo-real",[3511,3512,3513],{"path":3509,"name":25,"lang":37,"published":25},{"path":3509,"name":25,"lang":39,"published":25},{"path":3509,"name":25,"lang":32,"published":25},{"name":3515,"created_at":3516,"published_at":3517,"updated_at":3518,"id":3519,"uuid":3520,"content":3521,"slug":3638,"full_slug":3639,"sort_by_date":25,"position":3640,"tag_list":3641,"is_startpage":28,"parent_id":1369,"meta_data":25,"group_id":3642,"first_published_at":3643,"release_id":25,"lang":32,"path":25,"alternates":3644,"default_full_slug":3645,"translated_slugs":3646},"Automatización del onboarding de proveedores: cómo reducir costes y errores","2026-10-29T14:44:09.452Z","2026-10-30T10:38:55.972Z","2026-10-30T10:38:56.003Z",235910960987428,"23b679b6-5593-4cec-83fe-129c1b9c9ad8",{"_uid":3522,"title":3515,"topics":3523,"noIndex":28,"category":3542,"language":3551,"readTime":90,"component":1285,"heroMedia":3552,"publishedAt":3421,"redirectUrl":90,"leadwallForm":3553,"listingImage":3554,"leadwallTitle":90,"metaDescription":3562,"bottomArticleCta":3563,"leadwallSubtitle":90,"isLeadwallEnabled":28,"componentsAfterTheArticle":3564,"leadwallVisibleParagraphs":90},"1ed68d25-7530-42ee-ab1c-b0db8eb14ec7",[3524],{"name":3525,"created_at":3526,"published_at":3527,"updated_at":3528,"id":3529,"uuid":3530,"content":3531,"slug":3532,"full_slug":3533,"sort_by_date":25,"position":3263,"tag_list":3534,"is_startpage":28,"parent_id":238,"meta_data":25,"group_id":3535,"first_published_at":3266,"release_id":25,"lang":32,"path":25,"alternates":3536,"default_full_slug":3537,"translated_slugs":3538,"_stopResolving":41},"Equipos financieros","2023-04-12T07:17:50.759Z","2026-09-29T09:14:28.236Z","2026-09-29T09:14:28.249Z",290528746,"0d21d83f-545d-4f60-acc8-ab3b9c5b94e6",{"_uid":3260,"name":3525,"component":22},"equipos-financieros","es/blog/topic/equipos-financieros",[],"37251365-a886-4869-8f3b-1976331cbcf4",[],"blog/topic/equipos-financieros",[3539,3540,3541],{"path":3537,"name":25,"lang":37,"published":25},{"path":3537,"name":25,"lang":39,"published":25},{"path":3537,"name":25,"lang":32,"published":25},{"name":1273,"created_at":1274,"published_at":16,"updated_at":1275,"id":1276,"uuid":1277,"content":3543,"slug":1285,"full_slug":1286,"sort_by_date":25,"position":52,"tag_list":3545,"is_startpage":28,"parent_id":1288,"meta_data":25,"group_id":1289,"first_published_at":1290,"release_id":25,"lang":32,"path":25,"alternates":3546,"default_full_slug":1292,"translated_slugs":3547,"_stopResolving":41},{"_uid":1279,"icon":3544,"name":1273,"component":1284},{"id":1281,"alt":1282,"name":90,"focus":90,"title":90,"filename":1283,"copyright":90,"fieldtype":174,"is_external_url":28},[],[],[3548,3549,3550],{"path":1292,"name":25,"lang":37,"published":25},{"path":1292,"name":25,"lang":39,"published":25},{"path":1292,"name":25,"lang":32,"published":25},[32],[],[],[3555],{"_uid":3556,"link":3557,"asset":3558,"caption":90,"component":289},"a679ea6f-3187-4525-ba34-6194297b7415",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":3559,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3560,"copyright":90,"fieldtype":174,"meta_data":3561,"is_external_url":28},235911367140652,"https://a.storyblok.com/f/146026/1248x832/421c7748b1/supplier-onboarding-flow.png",{},"Automatiza el onboarding de proveedores para reducir costes y errores. Descubre qué tareas automatizar, qué controles aplicar y cómo medir el ahorro.\n",[],[3565],{"cta":3566,"_uid":3567,"items":3568,"heading":3618,"reverse":28,"component":2935,"sectionSettings":3637},[],"cfcc9fa2-a4a9-4364-8c53-dceac04b34b0",[3569,3580,3591,3602],{"_uid":3570,"hide":28,"title":3571,"component":2803,"description":3572},"4eb0026d-6af1-48a8-b617-971039f56d31","¿Hay que pedir el certificado de estar al corriente a todos los proveedores?",{"type":192,"attrs":3573,"content":3574},{"backgroundColor":25},[3575],{"type":196,"attrs":3576,"content":3577},{"textAlign":25},[3578],{"text":3579,"type":202},"No es un requisito general para todos los proveedores. La necesidad de solicitarlo depende del tipo de contrata o subcontrata, de si corresponde a la actividad económica principal y de las obligaciones previstas en la normativa. En los supuestos aplicables, el certificado específico de la AEAT puede evitar la responsabilidad subsidiaria si se cumplen todas las condiciones legales y se ha emitido dentro de los 12 meses anteriores al pago de la factura. Valida el caso concreto con asesoramiento jurídico.",{"_uid":3581,"hide":28,"title":3582,"component":2803,"description":3583},"4776b4c4-219f-42cf-a323-30db1b235f55","¿Qué hacer con las compras urgentes que se saltan el circuito?",{"type":192,"attrs":3584,"content":3585},{"backgroundColor":25},[3586],{"type":196,"attrs":3587,"content":3588},{"textAlign":25},[3589],{"text":3590,"type":202},"Dales un itinerario ligero, como un umbral de 300 € pagado con tarjeta de empresa y justificado después. Si el proveedor se repite más de dos veces, debe pasar por el alta completa.",{"_uid":3592,"hide":28,"title":3593,"component":2803,"description":3594},"482ead76-ce6d-48fb-85d8-66b354ab5fbb","¿Cuánto tarda el onboarding de proveedores?",{"type":192,"attrs":3595,"content":3596},{"backgroundColor":25},[3597],{"type":196,"attrs":3598,"content":3599},{"textAlign":25},[3600],{"text":3601,"type":202},"No existe una cifra de referencia verificada, así que mide tu propio tiempo medio por nivel de riesgo. En proveedores críticos, cuenta con que, según la Resolución 2/2004, la AEAT emite o deniega el certificado de estar al corriente en tres días.",{"_uid":3603,"hide":28,"title":3604,"component":2803,"description":3605},"e86a04a4-bbaa-4041-b936-9d53e0276ac8","¿Qué documentos se piden a un nuevo proveedor?",{"type":192,"attrs":3606,"content":3607},{"backgroundColor":25},[3608,3613],{"type":196,"attrs":3609,"content":3610},{"textAlign":25},[3611],{"text":3612,"type":202},"Como base, puedes solicitar el NIF, el IBAN y el contacto de facturación. Si el proveedor opera en la Unión Europea, comprueba si necesitas validar su número de IVA en VIES según la operación y el procedimiento de tu empresa.",{"type":196,"attrs":3614,"content":3615},{"textAlign":25},[3616],{"text":3617,"type":202},"Para contratas y subcontratas, la documentación adicional depende de la actividad, del contrato y de las obligaciones legales aplicables. Puede incluir certificados de la TGSS o de la AEAT, documentación preventiva, seguros y otros documentos. Confirma qué certificado corresponde, quién debe solicitarlo y durante cuánto tiempo es válido antes de convertirlo en un requisito del proceso.",[3619],{"cta":3620,"_uid":3621,"title":3622,"layout":90,"eyebrow":3629,"subtitle":3632,"component":310,"textAlign":90,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":3635,"sectionSettings":3636,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"1045b02a-07c4-40a8-98b9-f7281777a200",{"type":192,"attrs":3623,"content":3624},{"backgroundColor":25},[3625],{"type":310,"attrs":3626,"content":3627},{"level":312,"textAlign":25},[3628],{"text":2199,"type":202},{"type":192,"content":3630},[3631],{"type":196},{"type":192,"content":3633},[3634],{"type":196},[],[],[],"automatizacion-del-onboarding-de-proveedores-como-reducir-costes-y-errores","es/blog/automatizacion-del-onboarding-de-proveedores-como-reducir-costes-y-errores",-4010,[],"0c5dfbfc-5add-437b-b160-7bb180f3bedd","2026-10-29T14:51:13.649Z",[],"blog/automatizacion-del-onboarding-de-proveedores-como-reducir-costes-y-errores",[3647,3648,3649],{"path":3645,"name":25,"lang":37,"published":25},{"path":3645,"name":25,"lang":39,"published":25},{"path":3645,"name":25,"lang":32,"published":25},["Island",3651],{"key":3652,"result":3653},"MarkdownRenderer_Pkwx5w1Zv2ucnmpYZbRG8wZopNh8seFsznrz1yD2uTQ",{"head":3654},{"link":3655,"style":3656},[],[],1793980981902]