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La IA traslada ahora las finanzas del reporting retrospectivo a la toma de decisiones aumentada, donde las decisiones se toman en el momento, no semanas después del cierre.",[80],{"type":70,"attrs":81},{"color":72},{"type":36,"attrs":83,"content":85},{"textAlign":43,"key":84},"p-2",[86],{"text":87,"type":40,"marks":88},"Este cambio ya es posible. Los datos en tiempo real, los ERP en la nube y la IA comprimen el cierre de mes en un proceso continuo. El análisis de variaciones se vuelve instantáneo. Las previsiones se actualizan conforme cambian las señales. 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",[180],{"type":70,"attrs":181},{"color":72},{"text":183,"type":40,"marks":184},"La adopción de IA en finanzas saltó del 31 % al 56 % en un año",[185,187],{"type":70,"attrs":186},{"color":72},{"type":124},{"text":189,"type":40,"marks":190},". Eso no es un cambio gradual. Es un punto de inflexión.",[191],{"type":70,"attrs":192},{"color":72},{"type":36,"attrs":194,"content":196},{"textAlign":43,"key":195},"p-10",[197],{"text":198,"type":40,"marks":199},"La mayoría de los flujos de trabajo financieros son estructurados, basados en reglas y estandarizados. Terreno perfecto para la automatización mediante IA. La visión que describen los líderes financieros es coherente: un núcleo operativo reducido orquesta agentes de IA y valida excepciones, mientras la mayoría de los recursos se trasladan a FP&A y business partnering. Más cerca de las decisiones. 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Suscríbete a nuestro Newsletter para mantenerte informado.",[1926,1927],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[1929],{"cta":1930,"_uid":1931,"items":1932,"heading":2049,"reverse":28,"component":2070,"sectionSettings":2071},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[1933,1992],{"_uid":1934,"title":1935,"component":1936,"description":1937},"dfc0accd-ab64-464a-8597-b76754748f04","¿Qué es la gestión del gasto?","faqItem",{"type":33,"content":1938},[1939,1944,1972,1977,1982,1987],{"type":36,"attrs":1940,"content":1941},{"textAlign":43,"key":64},[1942],{"text":1943,"type":40},"El gasto empresarial incluye diferentes tipos de gasto:",{"type":1945,"attrs":1946,"content":1949},"ordered_list",{"order":1947,"key":1948},1,"ol-0",[1950,1958,1965],{"type":1951,"content":1952},"list_item",[1953],{"type":36,"attrs":1954,"content":1955},{"textAlign":43,"key":75},[1956],{"text":1957,"type":40},"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":1951,"content":1959},[1960],{"type":36,"attrs":1961,"content":1962},{"textAlign":43,"key":84},[1963],{"text":1964,"type":40},"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":1951,"content":1966},[1967],{"type":36,"attrs":1968,"content":1969},{"textAlign":43,"key":93},[1970],{"text":1971,"type":40},"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":36,"attrs":1973,"content":1974},{"textAlign":43,"key":102},[1975],{"text":1976,"type":40},"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":36,"attrs":1978,"content":1979},{"textAlign":43,"key":111},[1980],{"text":1981,"type":40},"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":36,"attrs":1983,"content":1984},{"textAlign":43,"key":148},[1985],{"text":1986,"type":40},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":36,"attrs":1988,"content":1989},{"textAlign":43,"key":157},[1990],{"text":1991,"type":40},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":1993,"title":1994,"component":1936,"description":1995},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":33,"content":1996},[1997,2002,2014,2019,2029,2034,2039,2044],{"type":36,"attrs":1998,"content":1999},{"textAlign":43,"key":64},[2000],{"text":2001,"type":40},"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":36,"attrs":2003,"content":2004},{"textAlign":43,"key":75},[2005,2009,2012],{"text":2006,"type":40,"marks":2007},"Para los empleados",[2008],{"type":124},{"type":1849,"marks":2010},[2011],{"type":124},{"text":2013,"type":40},"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":36,"attrs":2015,"content":2016},{"textAlign":43,"key":84},[2017],{"text":2018,"type":40},"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. 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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":36,"attrs":2035,"content":2036},{"textAlign":43,"key":111},[2037],{"text":2038,"type":40},"Cuando se realiza un gasto con una tarjeta Spendesk, el empleado simplemente toma una foto del recibo en el momento de la compra. 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Con datos en vivo, esa reunión de 30 minutos se dedica a decidir reasignaciones.",{"_uid":2516,"hide":28,"title":2517,"component":1936,"description":2518},"bba79f0b-6b67-4991-bd15-049529b25433","¿Se puede hacer seguimiento del presupuesto por entidad en un grupo de empresas?",{"type":33,"attrs":2519,"content":2520},{"backgroundColor":43},[2521],{"type":36,"attrs":2522,"content":2523},{"textAlign":43},[2524],{"text":2525,"type":40},"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":2527,"hide":28,"title":2528,"component":1936,"description":2529},"c6602111-0021-4043-9f5c-18c8f9e90ce9","¿Cuándo conviene dejar Excel para el seguimiento del presupuesto?",{"type":33,"attrs":2530,"content":2531},{"backgroundColor":43},[2532],{"type":36,"attrs":2533,"content":2534},{"textAlign":43},[2535],{"text":2536,"type":40},"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. 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