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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.",[383],{"type":335,"attrs":384},{"color":337},{"type":46,"attrs":386,"content":388},{"level":387,"textAlign":17},2,[389],{"text":390,"type":52,"marks":391},"La historia central: el ajuste de cuentas del SaaS europeo",[392],{"type":335,"attrs":393},{"color":337},{"type":61,"attrs":395,"content":396},{"textAlign":17},[397],{"text":398,"type":52,"marks":399},"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.",[400],{"type":335,"attrs":401},{"color":337},{"type":61,"attrs":403,"content":404},{"textAlign":17},[405,410,418],{"text":406,"type":52,"marks":407},"Parte de la respuesta es un simple descuido. Las referencias comparativas externas (el SaaS Management Index 2024 de ",[408],{"type":335,"attrs":409},{"color":337},{"text":411,"type":52,"marks":412},"Zylo",[413,416],{"type":264,"attrs":414},{"href":415,"uuid":17,"anchor":17,"target":17,"linktype":262},"https://zylo.com/news/2024-saas-management-index",{"type":335,"attrs":417},{"color":337},{"text":419,"type":52,"marks":420},") 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..",[421],{"type":335,"attrs":422},{"color":337},{"type":61,"attrs":424,"content":425},{"textAlign":17},[426],{"text":427,"type":52,"marks":428},"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.",[429],{"type":335,"attrs":430},{"color":337},{"type":61,"attrs":432,"content":433},{"textAlign":17},[434],{"text":435,"type":52,"marks":436},"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.",[437],{"type":335,"attrs":438},{"color":337},{"type":61,"attrs":440,"content":441},{"textAlign":17},[442],{"text":443,"type":52,"marks":444},"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.",[445],{"type":335,"attrs":446},{"color":337},{"type":61,"attrs":448,"content":449},{"textAlign":17},[450],{"text":451,"type":52,"marks":452},"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..",[453],{"type":335,"attrs":454},{"color":337},{"type":61,"attrs":456,"content":457},{"textAlign":17},[458],{"text":427,"type":52,"marks":459},[460],{"type":335,"attrs":461},{"color":337},{"type":61,"attrs":463,"content":464},{"textAlign":17},[465],{"text":435,"type":52,"marks":466},[467],{"type":335,"attrs":468},{"color":337},{"type":61,"attrs":470,"content":471},{"textAlign":17},[472],{"text":473,"type":52,"marks":474},"En una factura, parece simplemente una línea más de un proveedor que nadie ha revisado.En otras palabras, el desperdicio es estructural.",[475],{"type":335,"attrs":476},{"color":337},{"type":46,"attrs":478,"content":480},{"level":479,"textAlign":17},3,[481],{"text":482,"type":52,"marks":483},"Por qué la IA cambia el problema del control: el gasto basado en uso puede crecer más rápido que los presupuestos",[484],{"type":335,"attrs":485},{"color":337},{"type":339,"attrs":487},{"id":488,"body":489},"3276ae00-274a-46a1-8b0f-e494bac7efdc",[490],{"_uid":491,"link":492,"asset":493,"caption":18,"component":367},"i-5b8e443c-fd9a-4d43-9fea-b07014d44b35",{"id":18,"url":18,"linktype":362,"fieldtype":263,"cached_url":363,"prep":127},{"id":494,"alt":495,"name":18,"focus":18,"title":18,"source":18,"filename":496,"copyright":18,"fieldtype":19,"meta_data":497,"is_external_url":14},225669404233317,"Gasto mensual en proveedores de IA","https://a.storyblok.com/f/146026/3840x2496/34fd384692/gasto-mensual-en-proveedores-de-ia.png",{"alt":495,"size":498},"3840x2496",{"type":61,"attrs":500,"content":501},{"textAlign":17},[502],{"text":503,"type":52,"marks":504},"Lo que diferencia este momento de los ciclos anteriores de proliferación del SaaS es la IA, y el cambio se está produciendo rápidamente.",[505],{"type":335,"attrs":506},{"color":337},{"type":61,"attrs":508,"content":509},{"textAlign":17},[510],{"text":511,"type":52,"marks":512},"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.",[513],{"type":335,"attrs":514},{"color":337},{"type":61,"attrs":516,"content":517},{"textAlign":17},[518],{"text":519,"type":52,"marks":520},"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.",[521],{"type":335,"attrs":522},{"color":337},{"type":46,"attrs":524,"content":525},{"level":479,"textAlign":17},[526],{"text":527,"type":52,"marks":528},"Cómo pueden los equipos financieros europeos reducir el desperdicio en SaaS y controlar la IA",[529],{"type":335,"attrs":530},{"color":337},{"type":61,"attrs":532,"content":533},{"textAlign":17},[534],{"text":535,"type":52,"marks":536},"La ventana para adelantarse a esta situación se está cerrando, y la ventaja se acumula para quien actúe primero.",[537],{"type":335,"attrs":538},{"color":337},{"type":61,"attrs":540,"content":541},{"textAlign":17},[542],{"text":543,"type":52,"marks":544},"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.",[545],{"type":335,"attrs":546},{"color":337},{"type":61,"attrs":548,"content":549},{"textAlign":17},[550],{"text":551,"type":52,"marks":552},"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.",[553],{"type":335,"attrs":554},{"color":337},{"type":61,"attrs":556,"content":557},{"textAlign":17},[558],{"text":559,"type":52,"marks":560},"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.",[561],{"type":335,"attrs":562},{"color":337},{"type":46,"attrs":564},{"level":479,"textAlign":17},{"type":46,"attrs":566,"content":567},{"level":387,"textAlign":17},[568],{"text":569,"type":52,"marks":570},"1. La misma herramienta, el mismo tamaño y facturas radicalmente distintas",[571],{"type":335,"attrs":572},{"color":337},{"type":61,"attrs":574,"content":575},{"textAlign":17},[576],{"text":577,"type":52,"marks":578},"Conclusión clave: las empresas europeas podrían estar pagando de más 7.000 millones de euros al año por SaaS",[579,581,583],{"type":335,"attrs":580},{"color":337},{"type":582},"bold",{"type":584},"italic",{"type":61,"attrs":586,"content":587},{"textAlign":17},[588],{"text":589,"type":52,"marks":590},"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.",[591,593],{"type":335,"attrs":592},{"color":337},{"type":584},{"type":61,"attrs":595,"content":596},{"textAlign":17},[597],{"text":598,"type":52,"marks":599},"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.",[600],{"type":335,"attrs":601},{"color":337},{"type":61,"attrs":603},{"textAlign":17},{"type":339,"attrs":605},{"id":488,"body":606},[607],{"_uid":608,"link":609,"asset":610,"caption":18,"component":367},"i-0377327c-0e11-4151-b810-5002f11d2bdd",{"id":18,"url":18,"linktype":362,"fieldtype":263,"cached_url":363,"prep":127},{"id":611,"alt":612,"name":18,"focus":18,"title":18,"source":18,"filename":613,"copyright":18,"fieldtype":19,"meta_data":614,"is_external_url":14},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":612},{"type":61,"attrs":616,"content":617},{"textAlign":17},[618],{"text":619,"type":52,"marks":620},"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.",[621],{"type":335,"attrs":622},{"color":337},{"type":61,"attrs":624},{"textAlign":17},{"type":339,"attrs":626},{"id":488,"body":627},[628],{"_uid":629,"link":630,"asset":631,"caption":18,"component":367},"i-3e4a8473-e06b-4dba-8e87-5b612b2db894",{"id":18,"url":18,"linktype":362,"fieldtype":263,"cached_url":363,"prep":127},{"id":632,"alt":633,"name":18,"focus":18,"title":18,"source":18,"filename":634,"copyright":18,"fieldtype":19,"meta_data":635,"is_external_url":14},225669986528920,"La misma herramienta, precios muy distintos","https://a.storyblok.com/f/146026/3840x2496/d892d382e8/la-misma-herramienta-precios-muy-distintos.png",{"alt":633},{"type":61,"attrs":637,"content":638},{"textAlign":17},[639],{"text":640,"type":52,"marks":641},"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.",[642],{"type":335,"attrs":643},{"color":337},{"type":61,"attrs":645,"content":646},{"textAlign":17},[647],{"text":648,"type":52,"marks":649},"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.",[650],{"type":335,"attrs":651},{"color":337},{"type":61,"attrs":653,"content":654},{"textAlign":17},[655],{"text":656,"type":52,"marks":657},"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.",[658],{"type":335,"attrs":659},{"color":337},{"type":61,"attrs":661},{"textAlign":17},{"type":339,"attrs":663},{"id":488,"body":664},[665],{"_uid":666,"link":667,"asset":668,"caption":18,"component":367},"i-fff5ffb6-91f5-4805-a85c-5e7a51bb30a3",{"id":18,"url":18,"linktype":362,"fieldtype":263,"cached_url":363,"prep":127},{"id":669,"alt":670,"name":18,"focus":18,"title":18,"source":18,"filename":671,"copyright":18,"fieldtype":19,"meta_data":672,"is_external_url":14},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":670,"size":498},{"type":61,"attrs":674,"content":675},{"textAlign":17},[676],{"text":677,"type":52,"marks":678},"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.",[679],{"type":335,"attrs":680},{"color":337},{"type":46,"attrs":682,"content":683},{"level":479,"textAlign":17},[684],{"text":685,"type":52,"marks":686},"Por mercado: las diferencias en la disciplina de precios cruza fronteras",[687,689],{"type":335,"attrs":688},{"color":337},{"type":582},{"type":61,"attrs":691},{"textAlign":17},{"type":339,"attrs":693},{"id":488,"body":694},[695],{"_uid":696,"link":697,"asset":698,"caption":18,"component":367},"i-951177b4-d928-4200-806d-b655fcd712d8",{"id":18,"url":18,"linktype":362,"fieldtype":263,"cached_url":363,"prep":127},{"id":699,"alt":700,"name":18,"focus":18,"title":18,"source":18,"filename":701,"copyright":18,"fieldtype":19,"meta_data":702,"is_external_url":14},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":700},{"type":61,"attrs":704,"content":705},{"textAlign":17},[706],{"text":707,"type":52,"marks":708},"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.",[709],{"type":335,"attrs":710},{"color":337},{"type":46,"attrs":712,"content":713},{"level":387,"textAlign":17},[714],{"text":715,"type":52,"marks":716},"2. La eliminación de herramientas duplicadas por sí sola podría liberar 3.000 millones de euros al año",[717],{"type":335,"attrs":718},{"color":337},{"type":61,"attrs":720,"content":721},{"textAlign":17},[722],{"text":723,"type":52,"marks":724},"Conclusión clave: la duplicación de herramientas cuesta a las empresas europeas 3.000 millones de euros al año.",[725,727,728],{"type":335,"attrs":726},{"color":337},{"type":582},{"type":584},{"type":61,"attrs":730,"content":731},{"textAlign":17},[732],{"text":733,"type":52,"marks":734},"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.",[735,737],{"type":335,"attrs":736},{"color":337},{"type":584},{"type":61,"attrs":739,"content":740},{"textAlign":17},[741],{"text":742,"type":52,"marks":743},"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.",[744,746],{"type":335,"attrs":745},{"color":337},{"type":584},{"type":61,"attrs":748,"content":749},{"textAlign":17},[750],{"text":751,"type":52,"marks":752},"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.",[753],{"type":335,"attrs":754},{"color":337},{"type":339,"attrs":756},{"id":488,"body":757},[758],{"_uid":759,"link":760,"asset":761,"caption":18,"component":367},"i-620d10dd-a959-4de3-be19-c691932975e2",{"id":18,"url":18,"linktype":362,"fieldtype":263,"cached_url":363,"prep":127},{"id":762,"alt":763,"name":18,"focus":18,"title":18,"source":18,"filename":764,"copyright":18,"fieldtype":19,"meta_data":765,"is_external_url":14},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":763},{"type":61,"attrs":767},{"textAlign":17},{"type":61,"attrs":769,"content":770},{"textAlign":17},[771],{"text":772,"type":52,"marks":773},"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.",[774],{"type":335,"attrs":775},{"color":337},{"type":61,"attrs":777,"content":778},{"textAlign":17},[779],{"text":780,"type":52,"marks":781},"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.",[782],{"type":335,"attrs":783},{"color":337},{"type":61,"attrs":785,"content":786},{"textAlign":17},[787],{"text":788,"type":52,"marks":789},"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.",[790],{"type":335,"attrs":791},{"color":337},{"type":61,"attrs":793},{"textAlign":17},{"type":339,"attrs":795},{"id":796,"body":797},"0ed12b19-5530-488b-90bd-3fc015f1b557",[798],{"_uid":799,"name":800,"role":18,"image":801,"quote":803,"component":804},"i-8039cf35-319d-4463-871f-c3fd4b2e31b3","Pauline Bellee Babel, directora financiera de Spendesk",{"id":17,"alt":17,"name":18,"focus":17,"title":17,"filename":17,"copyright":17,"fieldtype":19,"meta_data":802,"is_external_url":14},{},"«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":61,"attrs":806},{"textAlign":17},{"type":61,"attrs":808},{"textAlign":17},{"type":339,"attrs":810},{"id":811,"body":812},"e04cb598-56a6-4fd0-8e78-1e519d1ce230",[813],{"_uid":814,"link":815,"asset":816,"caption":18,"component":367},"i-a72d6205-8ec6-49aa-b611-e4cba39c7f3f",{"id":18,"url":18,"linktype":362,"fieldtype":263,"cached_url":363,"prep":127},{"id":817,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":818,"copyright":18,"fieldtype":19,"meta_data":819,"is_external_url":14},226253151654513,"https://a.storyblok.com/f/146026/3840x2496/cf4fd73341/how-each-ai-tool-grew_-more-buyers-vs-deeper-spend.png",{},{"type":61,"attrs":821,"content":822},{"textAlign":17},[823],{"text":824,"type":52,"marks":825},"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.",[826,828],{"type":335,"attrs":827},{"color":337},{"type":582},{"type":61,"attrs":830,"content":831},{"textAlign":17},[832],{"text":833,"type":52,"marks":834},"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.",[835],{"type":335,"attrs":836},{"color":337},{"type":61,"attrs":838,"content":839},{"textAlign":17},[840],{"text":841,"type":52,"marks":842},"Por mercado: una historia de escala frente a disciplina",[843,845],{"type":335,"attrs":844},{"color":337},{"type":582},{"type":61,"attrs":847,"content":848},{"textAlign":17},[849],{"text":850,"type":52,"marks":851},"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.",[852],{"type":335,"attrs":853},{"color":337},{"type":339,"attrs":855},{"id":796,"body":856},[857],{"_uid":858,"name":859,"role":18,"image":860,"quote":862,"component":804},"i-135a0e1c-2d35-4ef1-b1f7-afe61d68787c","Responsable financiero de Retail Insight",{"id":17,"alt":17,"name":18,"focus":17,"title":17,"source":17,"filename":18,"copyright":17,"fieldtype":19,"meta_data":861},{},"«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":61,"attrs":864},{"textAlign":17},{"type":46,"attrs":866,"content":867},{"level":387,"textAlign":17},[868],{"text":869,"type":52,"marks":870},"3. Gasto europeo en IA: un aumento enorme y un desperdicio enorme",[871],{"type":335,"attrs":872},{"color":337},{"type":61,"attrs":874,"content":875},{"textAlign":17},[876],{"text":877,"type":52,"marks":878},"Conclusión clave: las facturas europeas de IA pueden variar más de siete veces de un mes a otro, lo que dificulta las previsiones",[879,881,882],{"type":335,"attrs":880},{"color":337},{"type":582},{"type":584},{"type":61,"attrs":884,"content":885},{"textAlign":17},[886],{"text":887,"type":52,"marks":888},"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.",[889,891],{"type":335,"attrs":890},{"color":337},{"type":584},{"type":61,"attrs":893,"content":894},{"textAlign":17},[895,901,905],{"text":896,"type":52,"marks":897},"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.",[898,900],{"type":335,"attrs":899},{"color":337},{"type":584},{"type":902,"marks":903},"hard_break",[904],{"type":584},{"type":902,"marks":906},[907],{"type":584},{"type":339,"attrs":909},{"id":488,"body":910},[911],{"_uid":912,"link":913,"asset":914,"caption":18,"component":367},"i-10b392b7-2801-47c3-aa83-c15678965a21",{"id":18,"url":18,"linktype":362,"fieldtype":263,"cached_url":363,"prep":127},{"id":915,"alt":916,"name":18,"focus":18,"title":18,"source":18,"filename":917,"copyright":18,"fieldtype":19,"meta_data":918,"is_external_url":14},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":916},{"type":61,"attrs":920,"content":921},{"textAlign":17},[922],{"text":923,"type":52,"marks":924},"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.",[925],{"type":335,"attrs":926},{"color":337},{"type":61,"attrs":928,"content":929},{"textAlign":17},[930],{"text":931,"type":52,"marks":932},"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.",[933],{"type":335,"attrs":934},{"color":337},{"type":61,"attrs":936,"content":937},{"textAlign":17},[938],{"text":939,"type":52,"marks":940},"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.",[941],{"type":335,"attrs":942},{"color":337},{"type":61,"attrs":944,"content":945},{"textAlign":17},[946],{"text":947,"type":52,"marks":948},"Por mercado: la volatilidad de las facturas de IA no entiende de geografía",[949,951],{"type":335,"attrs":950},{"color":337},{"type":582},{"type":61,"attrs":953},{"textAlign":17},{"type":339,"attrs":955},{"id":488,"body":956},[957],{"_uid":958,"link":959,"asset":960,"caption":18,"component":367},"i-9e1bffde-61cb-4a21-be1b-ae6bf2ea1a8f",{"id":18,"url":18,"linktype":362,"fieldtype":263,"cached_url":363,"prep":127},{"id":961,"alt":962,"name":18,"focus":18,"title":18,"source":18,"filename":963,"copyright":18,"fieldtype":19,"meta_data":964,"is_external_url":14},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":962},{"type":61,"attrs":966,"content":967},{"textAlign":17},[968],{"text":969,"type":52,"marks":970},"Mientras que la consolidación y la disciplina de precios varían mucho entre mercados, la imprevisibilidad de las facturas no lo hacía.",[971],{"type":335,"attrs":972},{"color":337},{"type":61,"attrs":974,"content":975},{"textAlign":17},[976],{"text":977,"type":52,"marks":978},"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.",[979],{"type":335,"attrs":980},{"color":337},{"type":61,"attrs":982,"content":983},{"textAlign":17},[984],{"text":985,"type":52,"marks":986},"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.",[987],{"type":335,"attrs":988},{"color":337},{"type":61,"attrs":990,"content":991},{"textAlign":17},[992],{"text":993,"type":52,"marks":994},"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.",[995],{"type":335,"attrs":996},{"color":337},{"type":61,"attrs":998,"content":999},{"textAlign":17},[1000],{"text":1001,"type":52,"marks":1002},"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.",[1003],{"type":335,"attrs":1004},{"color":337},{"type":46,"attrs":1006,"content":1007},{"level":387,"textAlign":17},[1008],{"text":1009,"type":52},"4. Cómo puede ayudar Spendesk a controlar el gasto",{"type":61,"attrs":1011,"content":1012},{"textAlign":17},[1013],{"text":1014,"type":52},"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":61,"attrs":1016,"content":1017},{"textAlign":17},[1018],{"text":1019,"type":52},"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":61,"attrs":1021,"content":1022},{"textAlign":17},[1023],{"text":1024,"type":52},"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":61,"attrs":1026,"content":1027},{"textAlign":17},[1028],{"text":1029,"type":52},"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":61,"attrs":1031,"content":1032},{"textAlign":17},[1033,1035,1042],{"text":1034,"type":52},"Ponte en contacto con el ",{"text":1036,"type":52,"marks":1037},"equipo de Spendesk",[1038],{"type":264,"attrs":1039},{"href":1040,"uuid":17,"anchor":17,"target":1041,"linktype":262},"https://spendesk-staging.netlify.app/es/schedule-a-demo/","_self",{"text":1043,"type":52}," para obtener más información.",{"type":46,"attrs":1045,"content":1046},{"level":387,"textAlign":17},[1047],{"text":1048,"type":52,"marks":1049},"Preguntas frecuentes",[1050],{"type":582},{"type":61,"attrs":1052},{"textAlign":17},{"type":46,"attrs":1054,"content":1056},{"level":1055,"textAlign":17},4,[1057],{"text":1058,"type":52,"marks":1059},"¿Qué es la gestión del gasto en SaaS y por qué es importante para los equipos financieros?",[1060],{"type":582},{"type":61,"attrs":1062,"content":1063},{"textAlign":17},[1064],{"text":1065,"type":52},"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":46,"attrs":1067,"content":1068},{"level":1055,"textAlign":17},[1069],{"text":1070,"type":52,"marks":1071},"¿Cuánto gastan las empresas europeas en software SaaS?",[1072],{"type":582},{"type":61,"attrs":1074,"content":1075},{"textAlign":17},[1076],{"text":1077,"type":52},"Según el estudio de Spendesk, la empresa europea media de la muestra gasta casi 250.000 € al año en software.",{"type":46,"attrs":1079,"content":1080},{"level":1055,"textAlign":17},[1081],{"text":1082,"type":52,"marks":1083},"¿Cómo pueden los equipos financieros hacer seguimiento de las suscripciones SaaS de distintos departamentos?",[1084],{"type":582},{"type":61,"attrs":1086,"content":1087},{"textAlign":17},[1088],{"text":1089,"type":52},"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":46,"attrs":1091,"content":1092},{"level":1055,"textAlign":17},[1093],{"text":1094,"type":52,"marks":1095},"¿Cómo pueden las empresas detectar y eliminar suscripciones duplicadas o que ya no se utilizan?",[1096],{"type":582},{"type":61,"attrs":1098,"content":1099},{"textAlign":17},[1100],{"text":1101,"type":52},"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":46,"attrs":1103,"content":1104},{"level":1055,"textAlign":17},[1105],{"text":1106,"type":52,"marks":1107},"¿Cómo pueden las tarjetas virtuales y los controles de gasto ayudar a gestionar las suscripciones SaaS y los costes de IA?",[1108],{"type":582},{"type":61,"attrs":1110,"content":1111},{"textAlign":17},[1112],{"text":1113,"type":52},"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":46,"attrs":1115,"content":1116},{"level":1055,"textAlign":17},[1117],{"text":1118,"type":52,"marks":1119},"¿Por qué es más difícil prever el gasto en IA que el gasto tradicional en SaaS?",[1120],{"type":582},{"type":61,"attrs":1122,"content":1123},{"textAlign":17},[1124],{"text":1125,"type":52},"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":46,"attrs":1127,"content":1128},{"level":1055,"textAlign":17},[1129],{"text":1130,"type":52,"marks":1131},"¿Cómo pueden los equipos financieros controlar el gasto variable en IA y las facturas basadas en el uso?",[1132],{"type":582},{"type":61,"attrs":1134,"content":1135},{"textAlign":17},[1136],{"text":1137,"type":52},"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":46,"attrs":1139,"content":1140},{"level":1055,"textAlign":17},[1141],{"text":1142,"type":52,"marks":1143},"¿Qué deberían buscar los equipos financieros en un software de gestión del gasto SaaS?",[1144],{"type":582},{"type":61,"attrs":1146,"content":1147},{"textAlign":17},[1148],{"text":1149,"type":52},"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":46,"attrs":1151,"content":1152},{"level":387,"textAlign":17},[1153],{"text":1154,"type":52,"marks":1155},"La muestra",[1156],{"type":335,"attrs":1157},{"color":337},{"type":61,"attrs":1159,"content":1160},{"textAlign":17},[1161],{"text":1162,"type":52,"marks":1163},"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.",[1164],{"type":335,"attrs":1165},{"color":337},{"type":61,"attrs":1167},{"textAlign":17},{"type":339,"attrs":1169},{"id":811,"body":1170},[1171],{"_uid":1172,"link":1173,"asset":1174,"caption":18,"component":367},"i-86990de8-789c-474d-bdd4-1d228a02c75d",{"id":18,"url":18,"linktype":362,"fieldtype":263,"cached_url":363,"prep":127},{"id":1175,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":1176,"copyright":18,"fieldtype":19,"meta_data":1177,"is_external_url":14},226254778262266,"https://a.storyblok.com/f/146026/3840x2496/491053589b/sample-composition-by-size-band.png",{},{"type":61,"attrs":1179},{"textAlign":17},{"type":339,"attrs":1181},{"id":811,"body":1182},[1183],{"_uid":1184,"link":1185,"asset":1186,"caption":18,"component":367},"i-dc37671a-a212-4d9f-9791-a313cb89c896",{"id":18,"url":18,"linktype":362,"fieldtype":263,"cached_url":363,"prep":127},{"id":1187,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":1188,"copyright":18,"fieldtype":19,"meta_data":1189,"is_external_url":14},226255134974744,"https://a.storyblok.com/f/146026/3840x2496/e1e36a4637/sample-composition-by-country.png",{},{"type":61,"attrs":1191},{"textAlign":17},{"type":339,"attrs":1193},{"id":811,"body":1194},[1195],{"_uid":1196,"link":1197,"asset":1198,"caption":18,"component":367},"i-fc87e048-b79d-4ce6-b69a-7582d2943ef5",{"id":18,"url":18,"linktype":362,"fieldtype":263,"cached_url":363,"prep":127},{"id":1199,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":1200,"copyright":18,"fieldtype":19,"meta_data":1201,"is_external_url":14},226255281005385,"https://a.storyblok.com/f/146026/3840x2496/ee51b71795/sample-composition-by-size-band-1.png",{},{"type":61,"attrs":1203},{"textAlign":17},{"type":61,"attrs":1205,"content":1206},{"textAlign":17},[1207],{"text":1208,"type":52,"marks":1209},"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.",[1210],{"type":335,"attrs":1211},{"color":337},{"type":46,"attrs":1213,"content":1214},{"level":479,"textAlign":17},[1215],{"text":1216,"type":52,"marks":1217},"El método",[1218,1220],{"type":335,"attrs":1219},{"color":337},{"type":582},{"type":61,"attrs":1222,"content":1223},{"textAlign":17},[1224],{"text":1225,"type":52,"marks":1226},"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.",[1227],{"type":335,"attrs":1228},{"color":337},{"type":61,"attrs":1230,"content":1231},{"textAlign":17},[1232],{"text":1233,"type":52,"marks":1234},"Los dos canales de pago contienen información diferente, y utilizamos ambos:",[1235],{"type":335,"attrs":1236},{"color":337},{"type":1238,"content":1239},"bullet_list",[1240,1251],{"type":1241,"content":1242},"list_item",[1243],{"type":61,"attrs":1244,"content":1245},{"textAlign":17},[1246],{"text":1247,"type":52,"marks":1248},"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).",[1249],{"type":335,"attrs":1250},{"color":337},{"type":1241,"content":1252},[1253],{"type":61,"attrs":1254,"content":1255},{"textAlign":17},[1256],{"text":1257,"type":52,"marks":1258},"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.",[1259],{"type":335,"attrs":1260},{"color":337},{"type":61,"attrs":1262,"content":1263},{"textAlign":17},[1264],{"text":1265,"type":52,"marks":1266},"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.",[1267],{"type":335,"attrs":1268},{"color":337},{"type":61,"attrs":1270,"content":1271},{"textAlign":17},[1272],{"text":1273,"type":52,"marks":1274},"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.",[1275],{"type":335,"attrs":1276},{"color":337},{"type":61,"attrs":1278,"content":1279},{"textAlign":17},[1280,1286],{"text":1281,"type":52,"marks":1282},"Advertencias.",[1283,1285],{"type":335,"attrs":1284},{"color":337},{"type":582},{"text":1287,"type":52,"marks":1288}," 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.",[1289],{"type":335,"attrs":1290},{"color":337},{"type":61,"attrs":1292},{"textAlign":17},{"name":1294,"created_at":1295,"published_at":104,"updated_at":1296,"id":1297,"uuid":1298,"content":1299,"slug":1306,"full_slug":1307,"sort_by_date":17,"position":138,"tag_list":1308,"is_startpage":14,"parent_id":1309,"meta_data":17,"group_id":1310,"first_published_at":1311,"release_id":17,"lang":118,"path":17,"alternates":1312,"default_full_slug":1313,"translated_slugs":1314,"_stopResolving":127},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1300,"icon":1301,"name":1294,"component":1305},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1302,"alt":1303,"name":18,"focus":18,"title":18,"filename":1304,"copyright":18,"fieldtype":19,"is_external_url":14},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",[1315,1316,1317],{"path":1313,"name":17,"lang":123,"published":17},{"path":1313,"name":17,"lang":125,"published":17},{"path":1313,"name":17,"lang":118,"published":17},[118],[],[1321],{"cta":1322,"_uid":1337,"image":1338,"title":1342,"subtitle":1354,"component":1355},[1323],{"tag":18,"_uid":1324,"hide":14,"icon":1325,"link":1327,"type":18,"label":1336,"style":356,"component":266,"mobileLabel":18,"onClickEvent":18,"openInANewTab":14,"horizontalFill":14},"8bbcd253-afec-4862-bcd7-d257d900daac",{"id":17,"alt":17,"name":18,"focus":17,"title":17,"source":17,"filename":18,"copyright":17,"fieldtype":19,"meta_data":1326},{},{"id":1328,"url":18,"linktype":362,"fieldtype":263,"cached_url":1329,"prep":127,"story":1330},"92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","/es/schedule-a-demo/",{"name":1331,"id":1332,"uuid":1328,"slug":1333,"url":1334,"full_slug":1335,"_stopResolving":127},"Schedule a demo",126838129,"schedule-a-demo","schedule-a-demo/","es/schedule-a-demo/","Book a demo","d6338e95-96c3-4d35-af35-b928b3b0d7ca",{"id":1339,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":1340,"copyright":18,"fieldtype":19,"meta_data":1341,"is_external_url":14},141863894965290,"https://a.storyblok.com/f/146026/2471x1843/baa22902e7/image-spendesk-product-1-cropped.png",{},{"type":43,"attrs":1343,"content":1344},{"backgroundColor":17},[1345],{"type":61,"attrs":1346,"content":1347},{"textAlign":17},[1348],{"text":1349,"type":52,"marks":1350},"Built for European businesses",[1351],{"type":55,"attrs":1352},{"class":1353},"text-item-heading text-item-heading-sm","Manage cards, expenses and invoices with a platform designed for Europe","ctaBlock","2026-05-04 00:00",[1358],{"_uid":1359,"type":18,"asset":1360,"caption":18,"overlay":1364,"component":367},"4ea013e4-4b4a-4aa5-9a28-a9a3acce0217",{"id":1361,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":1362,"copyright":18,"fieldtype":19,"meta_data":1363,"is_external_url":14},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 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diez años, Spendesk nació con un principio muy sencillo: los equipos financieros debían poder dar autonomía a sus compañeros para hacer lo que necesitan, sin perder el control sobre el gasto de la empresa.",[1534,1536],{"type":335,"attrs":1535},{"color":337},{"type":582},{"type":339,"attrs":1538},{"id":341,"body":1539},[1540],{"_uid":344,"text":1541,"color":346,"title":1542,"component":368},"- **Spendesk es una plataforma europea de gestión del gasto**, con sede en Francia y diseñada para equipos financieros europeos. Reúne en un mismo lugar las tarjetas corporativas, la gestión de gastos, las cuentas a pagar, las compras y el control del gasto, con el respaldo de una infraestructura de pagos europea.\n- Más de **5.000 empresas** **europeas** confían en Spendesk para gestionar sus gastos. La plataforma ha procesado **10.000 millones de euros** y cuenta con clientes en **Francia, Alemania, Reino Unido, España y el resto de Europa**. Entre sus integraciones nativas se incluyen **DATEV, Pennylane, Xero, QuickBooks, Sage 100, NetSuite y Exact Online**.\n- Spendesk Financial Services SAS es la propia entidad de pago de Spendesk, autorizada por **la ACPR** para operar en los 30 países del EEE, con **pasaporte PSD2** para los otros 29.\n- Spendesk cuenta con **la certificación ISO 27001:2022** y cumple con **DORA y PSD2. Además**, dispone de la certificación como **punto de acceso Peppol**, lo que permite responder a la evolución de la normativa europea, incluidos **los requisitos de facturación electrónica de la UE y el programa Making Tax Digital del Reino Unido**.","Puntos clave",{"type":61,"attrs":1544,"content":1545},{"textAlign":17},[1546,1551,1559,1569],{"text":1547,"type":52,"marks":1548},"Desde entonces, ese principio ha guiado todas las decisiones relacionadas con el producto. Como explica",[1549],{"type":335,"attrs":1550},{"color":337},{"text":1552,"type":52,"marks":1553}," ",[1554,1557],{"type":264,"attrs":1555},{"href":1556,"uuid":17,"anchor":17,"target":17,"linktype":262},"https://www.youtube.com/watch?v=t6IjWaQIbM4",{"type":335,"attrs":1558},{"color":337},{"text":1560,"type":52,"marks":1561},"nuestro fundador, Rodolphe Ardant",[1562,1564,1567],{"type":264,"attrs":1563},{"href":1556,"uuid":17,"anchor":17,"target":17,"linktype":262},{"type":335,"attrs":1565},{"color":1566},"#1155CC",{"type":1568},"underline",{"text":1570,"type":52,"marks":1571},": «Spendesk se creó para resolver un problema al que los equipos financieros se enfrentan cada día», y ese enfoque no ha cambiado.",[1572],{"type":335,"attrs":1573},{"color":337},{"type":61,"attrs":1575,"content":1576},{"textAlign":17},[1577,1582,1589,1597,1602,1609,1617],{"text":1578,"type":52,"marks":1579},"Una década después, Spendesk es una empresa unicornio francesa rentable. Alcanzó el",[1580],{"type":335,"attrs":1581},{"color":337},{"text":1552,"type":52,"marks":1583},[1584,1587],{"type":264,"attrs":1585},{"href":1586,"uuid":17,"anchor":17,"target":17,"linktype":262},"https://techcrunch.com/2022/01/17/spendesk-is-the-fifth-french-startup-to-reach-unicorn-status-this-month/",{"type":335,"attrs":1588},{"color":337},{"text":1590,"type":52,"marks":1591},"estatus de unicornio",[1592,1594,1596],{"type":264,"attrs":1593},{"href":1586,"uuid":17,"anchor":17,"target":17,"linktype":262},{"type":335,"attrs":1595},{"color":1566},{"type":1568},{"text":1598,"type":52,"marks":1599}," en 2022 y la",[1600],{"type":335,"attrs":1601},{"color":337},{"text":1552,"type":52,"marks":1603},[1604,1607],{"type":264,"attrs":1605},{"href":1606,"uuid":17,"anchor":17,"target":17,"linktype":262},"https://sifted.eu/articles/spendesk-profitability-2025",{"type":335,"attrs":1608},{"color":337},{"text":1610,"type":52,"marks":1611},"rentabilidad",[1612,1614,1616],{"type":264,"attrs":1613},{"href":1606,"uuid":17,"anchor":17,"target":17,"linktype":262},{"type":335,"attrs":1615},{"color":1566},{"type":1568},{"text":1618,"type":52,"marks":1619}," en 2025. Esto demuestra que construir con disciplina, propósito y poniendo al cliente en el centro funciona.",[1620],{"type":335,"attrs":1621},{"color":337},{"type":61,"attrs":1623,"content":1624},{"textAlign":17},[1625],{"text":1626,"type":52,"marks":1627},"La rentabilidad no es el final del camino. Proporciona a Spendesk la estabilidad necesaria para seguir invirtiendo en su misión, apoyando a sus clientes y construyendo a largo plazo.",[1628],{"type":335,"attrs":1629},{"color":337},{"type":61,"attrs":1631,"content":1632},{"textAlign":17},[1633,1635,1639],{"text":1634,"type":52},"Esta década de trabajo es lo que ",{"text":1636,"type":52,"marks":1637},"Made in Europe",[1638],{"type":582},{"text":1640,"type":52}," significa realmente para nosotros: apoyar a nuestros clientes europeos con la experiencia que hemos desarrollado durante más de diez años de actividad en un entorno complejo, regulado y, a menudo, exigente.",{"type":61,"attrs":1642,"content":1643},{"textAlign":17},[1644],{"text":1645,"type":52,"marks":1646},"Así se refleja en la práctica una década de operaciones en Europa:",[1647,1649],{"type":335,"attrs":1648},{"color":337},{"type":582},{"type":46,"attrs":1651,"content":1652},{"level":387,"textAlign":17},[1653],{"text":1654,"type":52,"marks":1655},"10 años en cifras",[1656],{"type":335,"attrs":1657},{"color":337},{"type":61,"attrs":1659,"content":1660},{"textAlign":17},[1661],{"text":1662,"type":52,"marks":1663},"Estos son los datos originales de Spendesk sobre la gestión del gasto en Europa entre 2016 y 2026. Abarcan diez años de actividad, incluidas las transacciones con tarjeta, las cuentas a pagar, los reembolsos, los proveedores, los usuarios y el gasto total procesado.",[1664],{"type":335,"attrs":1665},{"color":337},{"type":339,"attrs":1667},{"id":1668,"body":1669},"ecc327be-ebd2-4ef6-844e-ddc6798243dd",[1670],{"_uid":1671,"text":1672,"color":1673,"title":18,"component":368},"i-bd91e159-8241-40b7-a7ea-2a4ca7c03739"," 1. 💶 **Gasto procesado**: aproximadamente 10.000 M€\n 2. 💳 **Tarjetas emitidas**: 795.000\n 3. 🧾 **Cuentas a pagar procesadas**: 46,85 M\n 4. 👥 **Usuarios totales**: 314.000\n 5. 🏢 **Empresas incorporadas**: 14.200\n 6. 🤝 **Proveedores únicos pagados**: 197.000\n 7. 🏦 **Transferencias bancarias ejecutadas**: 6,46 M\n 8. ⚡ **Transacciones con tarjeta**: 31,84 M\n 9. ✅ **Solicitudes de gasto aprobadas**: 21,3 M\n10. 💸 **Reembolsos procesados**: 7,99 M","orange",{"type":46,"attrs":1675},{"level":387,"textAlign":17},{"type":46,"attrs":1677,"content":1678},{"level":387,"textAlign":17},[1679],{"text":1680,"type":52,"marks":1681},"Getaround x Spendesk: creciendo juntos durante una década",[1682],{"type":335,"attrs":1683},{"color":337},{"type":61,"attrs":1685,"content":1686},{"textAlign":17},[1687,1692],{"text":1688,"type":52,"marks":1689},"Así es como se crece en la práctica cuando se trabaja como socios. Getaround lleva junto a Spendesk desde sus primeros días. Durante estos diez años, la empresa se ha expandido por Europa, ha entrado en nuevos mercados y ha ampliado sus equipos. Durante todo ese tiempo, sus operaciones financieras también tuvieron que evolucionar al mismo ritmo. Así lo consiguieron",[1690],{"type":335,"attrs":1691},{"color":337},{"text":1693,"type":52},":",{"type":339,"attrs":1695},{"id":1696,"body":1697},"f9126bdf-26e5-4045-86e5-59a2daa90836",[1698],{"_uid":1699,"asset":1700,"caption":18,"component":367},"092d68bb-dca1-4f16-b7d2-a4615645a26c",{"id":1701,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":1702,"copyright":18,"fieldtype":19,"meta_data":1703,"is_external_url":14},213241244673601,"https://a.storyblok.com/f/146026/1080x1080/ed846c552a/quote-getaround-es.png",{"size":1704},"1080x1080",{"type":46,"attrs":1706},{"level":387,"textAlign":17},{"type":46,"attrs":1708,"content":1709},{"level":387,"textAlign":17},[1710,1715],{"text":1711,"type":52,"marks":1712},"¿Por qué Spendesk está diseñada para las empresas europeas?",[1713],{"type":335,"attrs":1714},{"color":337},{"type":902},{"type":46,"attrs":1717,"content":1718},{"level":1055,"textAlign":17},[1719],{"text":1720,"type":52,"marks":1721},"Cumplimiento normativo europeo: DORA, PSD2 y normativa sobre facturación electrónica",[1722],{"type":335,"attrs":1723},{"color":337},{"type":61,"attrs":1725,"content":1726},{"textAlign":17},[1727],{"text":1728,"type":52,"marks":1729},"El cumplimiento normativo en Europa no sigue un modelo único. Cada mercado tiene sus propias reglas, requisitos de IVA, obligaciones de información y formas de trabajar, desde los requisitos de facturación electrónica de Francia hasta el programa Making Tax Digital del Reino Unido. Diseñar operaciones financieras eficientes y conformes con la normativa implica comprender estas diferencias en detalle, en lugar de aplicar el mismo modelo en todos los mercados.",[1730],{"type":335,"attrs":1731},{"color":337},{"type":61,"attrs":1733,"content":1734},{"textAlign":17},[1735,1740,1747,1755],{"text":1736,"type":52,"marks":1737},"También significa mantenerse al día con la normativa europea. Spendesk cumple con",[1738],{"type":335,"attrs":1739},{"color":337},{"text":1552,"type":52,"marks":1741},[1742,1745],{"type":264,"attrs":1743},{"href":1744,"uuid":17,"anchor":17,"target":17,"linktype":262},"https://finance.ec.europa.eu/regulation-and-supervision/financial-services-legislation/implementing-and-delegated-acts/digital-operational-resilience-regulation_en",{"type":335,"attrs":1746},{"color":337},{"text":1748,"type":52,"marks":1749},"DORA",[1750,1752,1754],{"type":264,"attrs":1751},{"href":1744,"uuid":17,"anchor":17,"target":17,"linktype":262},{"type":335,"attrs":1753},{"color":1566},{"type":1568},{"text":1756,"type":52,"marks":1757},", además de con los marcos normativos locales que determinan cómo trabajan los equipos financieros en cada mercado.",[1758],{"type":335,"attrs":1759},{"color":337},{"type":61,"attrs":1761,"content":1762},{"textAlign":17},[1763],{"text":1764,"type":52,"marks":1765},"Spendesk lleva diseñando soluciones para equipos financieros europeos desde 2016. Esta experiencia local se ha construido con el tiempo gracias a equipos regionales con hablantes nativos y oficinas locales en París, Londres, Berlín y Barcelona. A ello se suma un profundo conocimiento de cada mercado y la infraestructura necesaria para apoyar a los clientes en la práctica. Creemos que, si nuestros clientes se enfrentan a algo, nosotros también debemos hacerlo.",[1766],{"type":335,"attrs":1767},{"color":337},{"type":61,"attrs":1769,"content":1770},{"textAlign":17},[1771],{"text":1772,"type":52,"marks":1773},"Para los clientes del EEE, los servicios de pago los presta Spendesk Financial Services, la propia entidad de pago de Spendesk, autorizada en Francia por la ACPR, identificada con el número CIB 17518 y sujeta a la normativa PSD2. Esto nos somete a los exigentes estándares regulatorios europeos y garantiza la protección tanto de tu dinero como de tu información.",[1774],{"type":335,"attrs":1775},{"color":337},{"type":61,"attrs":1777,"content":1778},{"textAlign":17},[1779],{"text":1780,"type":52,"marks":1781},"Para los clientes del Reino Unido, los servicios de pago se prestan a través de Adyen N.V., cuya sucursal británica está autorizada por la FCA. La configuración es diferente en cada mercado precisamente porque los requisitos normativos también lo son, y para nosotros no son opcionales.",[1782],{"type":335,"attrs":1783},{"color":337},{"type":61,"attrs":1785,"content":1786},{"textAlign":17},[1787],{"text":1788,"type":52,"marks":1789},"Esto es lo que Made in Europe significa en la práctica: no se trata solo de vender en Europa, sino de comprender los detalles normativos, fiscales, de pagos y operativos que ayudan a los equipos financieros a mantener el control y trabajar de forma eficiente en cada mercado.",[1790],{"type":335,"attrs":1791},{"color":337},{"type":46,"attrs":1793,"content":1794},{"level":479,"textAlign":17},[1795,1800],{"text":1796,"type":52,"marks":1797},"Diseñada en torno a las necesidades de los equipos financieros locales",[1798],{"type":335,"attrs":1799},{"color":337},{"type":902},{"type":339,"attrs":1802},{"id":1803,"body":1804},"cb04bfee-7b4d-43fa-99db-e23272c3980d",[1805],{"_uid":1806,"asset":1807,"caption":18,"component":367},"i-01c1f183-f264-489f-b39f-a9d124985f16",{"id":1808,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":1809,"copyright":18,"fieldtype":19,"meta_data":1810,"is_external_url":14},213242731624371,"https://a.storyblok.com/f/146026/1480x974/2be0dcdd43/es.jpg",{},{"type":61,"attrs":1812,"content":1813},{"textAlign":17},[1814],{"text":1815,"type":52,"marks":1816},"Además de las funcionalidades principales de gestión del gasto de Spendesk, hemos desarrollado funciones específicas para cada región, adaptadas a las necesidades de los equipos financieros de cada mercado. Nuestros equipos locales trabajan estrechamente con los clientes y se mantienen al día de los cambios normativos y de las formas de trabajar, lo que nos ayuda a crear las herramientas que los equipos financieros necesitan en su día a día.",[1817],{"type":335,"attrs":1818},{"color":337},{"type":61,"attrs":1820,"content":1821},{"textAlign":17},[1822],{"text":1823,"type":52,"marks":1824},"Desde la gestión de dietas en Alemania hasta el kilometraje conforme a los requisitos de HMRC en el Reino Unido, estas funciones responden a los requisitos locales que pueden marcar una gran diferencia para los equipos financieros que operan en toda Europa.",[1825],{"type":335,"attrs":1826},{"color":337},{"type":46,"attrs":1828,"content":1829},{"level":479,"textAlign":17},[1830],{"text":1831,"type":52,"marks":1832},"Funcionalidades diseñadas para los equipos financieros europeos",[1833],{"type":335,"attrs":1834},{"color":337},{"type":61,"attrs":1836,"content":1837},{"textAlign":17},[1838],{"text":1839,"type":52,"marks":1840},"Las empresas europeas no gastan, aprueban ni contabilizan el dinero de la misma manera. Spendesk reúne estos procesos en una sola plataforma y, al mismo tiempo, ofrece a cada entidad la flexibilidad necesaria para trabajar según sus necesidades locales.",[1841],{"type":335,"attrs":1842},{"color":337},{"type":1238,"content":1844},[1845,1864,1883],{"type":1241,"content":1846},[1847,1856],{"type":61,"attrs":1848,"content":1849},{"textAlign":17},[1850],{"text":1851,"type":52,"marks":1852},"Control local, sin complejidad añadida",[1853,1855],{"type":335,"attrs":1854},{"color":337},{"type":582},{"type":61,"attrs":1857,"content":1858},{"textAlign":17},[1859],{"text":1860,"type":52,"marks":1861},"Configura flujos de aprobación, presupuestos, límites de gasto y controles de las tarjetas para adaptarlos a las necesidades de cada entidad.",[1862],{"type":335,"attrs":1863},{"color":337},{"type":1241,"content":1865},[1866,1875],{"type":61,"attrs":1867,"content":1868},{"textAlign":17},[1869],{"text":1870,"type":52,"marks":1871},"Datos de gasto estructurados para la contabilidad",[1872,1874],{"type":335,"attrs":1873},{"color":337},{"type":582},{"type":61,"attrs":1876,"content":1877},{"textAlign":17},[1878],{"text":1879,"type":52,"marks":1880},"Captura y categoriza gastos, facturas y justificantes recibos para facilitar los procesos contables de cada entidad.",[1881],{"type":335,"attrs":1882},{"color":337},{"type":1241,"content":1884},[1885,1894],{"type":61,"attrs":1886,"content":1887},{"textAlign":17},[1888],{"text":1889,"type":52,"marks":1890},"Una plataforma preparada para crecer en Europa",[1891,1893],{"type":335,"attrs":1892},{"color":337},{"type":582},{"type":61,"attrs":1895,"content":1896},{"textAlign":17},[1897,1902,1903,1905],{"text":1898,"type":52,"marks":1899},"Gestiona varias entidades y las divisas compatibles desde una única plataforma, con visibilidad centralizada para el equipo de Finanzas y flexibilidad local para cada equipo.",[1900],{"type":335,"attrs":1901},{"color":337},{"type":902},{"text":1904,"type":52},"🇩🇪 ",{"text":1906,"type":52,"marks":1907},"Alemania",[1908,1910],{"type":335,"attrs":1909},{"color":337},{"type":582},{"type":1238,"content":1912},[1913,1929,1945,1961],{"type":1241,"content":1914},[1915],{"type":61,"attrs":1916,"content":1917},{"textAlign":17},[1918,1924],{"text":1919,"type":52,"marks":1920},"Integración con DATEV",[1921,1923],{"type":335,"attrs":1922},{"color":337},{"type":582},{"text":1925,"type":52,"marks":1926}," para conectar Spendesk con uno de los ecosistemas contables más importantes de Alemania.",[1927],{"type":335,"attrs":1928},{"color":337},{"type":1241,"content":1930},[1931],{"type":61,"attrs":1932,"content":1933},{"textAlign":17},[1934,1940],{"text":1935,"type":52,"marks":1936},"Gestión de dietas",[1937,1939],{"type":335,"attrs":1938},{"color":337},{"type":582},{"text":1941,"type":52,"marks":1942}," para adaptarse a los procesos locales de viajes de empresa y 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Maxime se unió a Spendesk en 2021 y ha crecido constantemente a través de las filas desde entonces, convirtiéndose en nuestro ingeniero financiero residente.","maxime-reding","es/blog/author/maxime-reding",-1140,[],"21643648-1964-4f50-93e1-adc353a4c358","2026-03-17T08:43:08.491Z",[],"blog/author/maxime-reding",[3007,3008,3009],{"path":3005,"name":17,"lang":123,"published":17},{"path":3005,"name":17,"lang":125,"published":17},{"path":3005,"name":17,"lang":118,"published":17},[3011],{"name":3012,"created_at":3013,"published_at":3014,"updated_at":3015,"id":3016,"uuid":3017,"content":3018,"slug":3028,"full_slug":3029,"sort_by_date":17,"position":3030,"tag_list":3031,"is_startpage":14,"parent_id":316,"meta_data":17,"group_id":3032,"first_published_at":3033,"release_id":17,"lang":118,"path":17,"alternates":3034,"default_full_slug":3035,"translated_slugs":3036,"_stopResolving":127},"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",{"seo":3019,"_uid":3025,"icon":3026,"name":3012,"component":110},[3020],{"_uid":3021,"noIndex":14,"component":15,"metaFields":3022},"e39fe6b6-7bf4-4b30-91c0-5d37d08e2361",{"_uid":3023,"plugin":23,"description":3024},"85284709-bdca-46e2-9ee0-907346ff3ccd","Como la IA y la automatizacion estan transformando el trabajo financiero: desde aprobaciones automaticas de gastos hasta informes y previsiones asistidos por IA.","53de838f-fa34-428c-8ebb-c91c00b2c34f",{"id":17,"alt":17,"name":18,"focus":17,"title":17,"source":17,"filename":18,"copyright":17,"fieldtype":19,"meta_data":3027},{},"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",[3037,3038,3039],{"path":3035,"name":17,"lang":123,"published":17},{"path":3035,"name":17,"lang":125,"published":17},{"path":3035,"name":17,"lang":118,"published":17},{"type":43,"attrs":3041,"content":3042},{"backgroundColor":17},[3043,3048,3053,3058,3063,3068,3073,3078,3083,3088,3093,3098,3103,3108,3113,3143,3148,3153,3158,3181,3186,3191,3196,3219,3224,3229,3391,3396,3401,3406,3411,3416,3421,3426,3431,3436,3441,3446,3451,3456,3461,3466,3471,3476,3481,3486,3491,3496,3501,3506,3511,3516,3521],{"type":61,"attrs":3044,"content":3045},{"textAlign":17},[3046],{"text":3047,"type":52},"Probablemente no te metiste en finanzas para pasarte tres días rastreando datos en cinco sistemas distintos solo para cerrar un informe de gastos de viaje. Y, sin embargo, aquí estamos.",{"type":61,"attrs":3049,"content":3050},{"textAlign":17},[3051],{"text":3052,"type":52},"La mayoría de los equipos financieros ya utilizan la IA de alguna forma. Según el Informe de Herramientas 2025 de CFO Connect, la adopción de la IA en finanzas pasó del 31 % en 2024 al 56 % en 2025. Pero hay una diferencia importante entre usar la IA para redactar un correo y usarla para consultar tus datos de gasto. Y hay una brecha aún mayor entre eso y el futuro que muchos anticipan: agentes capaces de detectar un problema de liquidez con meses de antelación.",{"type":61,"attrs":3054,"content":3055},{"textAlign":17},[3056],{"text":3057,"type":52},"El Protocolo de Contexto de Modelo (MCP) puede ayudar a cerrar esa primera brecha y a construir el camino hacia la segunda.",{"type":61,"attrs":3059,"content":3060},{"textAlign":17},[3061],{"text":3062,"type":52},"Este artículo explica qué es MCP en la práctica, cómo funcionan los agentes de IA y qué implica todo esto para tu estrategia de gestión del gasto. Sin tecnicismos.",{"type":46,"attrs":3064,"content":3065},{"level":387,"textAlign":17},[3066],{"text":3067,"type":52},"Puntos clave:",{"type":61,"attrs":3069,"content":3070},{"textAlign":17},[3071],{"text":3072,"type":52},"El Protocolo de Contexto de Modelo (MCP) es un estándar abierto que permite conectar asistentes de IA como Claude, Dust y ChatGPT con herramientas y fuentes de datos externas. En una implementación como la de Spendesk, puede darles acceso a datos de gasto según la configuración y los permisos correspondientes.",{"type":61,"attrs":3074,"content":3075},{"textAlign":17},[3076],{"text":3077,"type":52},"Está pensado para distintos perfiles del equipo financiero. Previsiones, seguimiento de cuentas a pagar, contabilidad, liquidaciones e inteligencia de proveedores son algunos de los ámbitos en los que un asistente de IA puede ayudar a consultar y analizar información desde una misma herramienta.",{"type":61,"attrs":3079,"content":3080},{"textAlign":17},[3081],{"text":3082,"type":52},"Reduce el ciclo de exportar, copiar y pegar que ha sido habitual en finanzas. En lugar de volcar datos en hojas de cálculo para cada consulta, una herramienta compatible puede consultar directamente los datos disponibles.",{"type":61,"attrs":3084,"content":3085},{"textAlign":17},[3086],{"text":3087,"type":52},"Las plataformas mejor posicionadas para aprovechar MCP suelen ser las que ya han centralizado los datos de gasto en un único lugar. Una fuente de datos unificada facilita que un asistente de IA trabaje con un contexto más completo.",{"type":46,"attrs":3089,"content":3090},{"level":387,"textAlign":17},[3091],{"text":3092,"type":52},"Antes y después de MCP",{"type":46,"attrs":3094,"content":3095},{"level":479,"textAlign":17},[3096],{"text":3097,"type":52},"Antes de MCP: el cuello de botella de los datos financieros",{"type":61,"attrs":3099,"content":3100},{"textAlign":17},[3101],{"text":3102,"type":52},"Los equipos financieros tienen preguntas. Muchas. Pero obtener respuestas implica exportar datos de las herramientas de gestión del gasto a hojas de cálculo, filtrarlos y analizarlos a mano, construir un informe nuevo para cada pregunta y esperar a que alguien tenga tiempo de prepararlo. El resultado suele ser el mismo: los análisis que realmente importan quedan bloqueados por las tareas operativas del día a día, y muchas herramientas de IA no pueden ayudar porque no tienen acceso directo a los datos reales.",{"type":46,"attrs":3104,"content":3105},{"level":479,"textAlign":17},[3106],{"text":3107,"type":52},"Después de MCP: tus datos financieros, listos para responder",{"type":61,"attrs":3109,"content":3110},{"textAlign":17},[3111],{"text":3112,"type":52},"MCP puede conectar los datos de gestión del gasto con asistentes de IA como Claude, Dust y ChatGPT. Los equipos financieros pueden preguntar en lenguaje natural y obtener respuestas rápidamente, según la herramienta, la configuración y los permisos disponibles. A partir de ahora, tu equipo puede:",{"type":1238,"content":3114},[3115,3122,3129,3136],{"type":1241,"content":3116},[3117],{"type":61,"attrs":3118,"content":3119},{"textAlign":17},[3120],{"text":3121,"type":52},"Preguntar: «¿Cuál es nuestra posición de tesorería?» o «Compara nuestro gasto anual en viajes año a año».",{"type":1241,"content":3123},[3124],{"type":61,"attrs":3125,"content":3126},{"textAlign":17},[3127],{"text":3128,"type":52},"Obtener respuestas basadas en los datos disponibles en Spendesk.",{"type":1241,"content":3130},[3131],{"type":61,"attrs":3132,"content":3133},{"textAlign":17},[3134],{"text":3135,"type":52},"Seguir explorando con preguntas de seguimiento, sin reconstruir los informes desde cero.",{"type":1241,"content":3137},[3138],{"type":61,"attrs":3139,"content":3140},{"textAlign":17},[3141],{"text":3142,"type":52},"Trabajar en las herramientas que el equipo ya conoce: Claude, ChatGPT o Dust.",{"type":61,"attrs":3144,"content":3145},{"textAlign":17},[3146],{"text":3147,"type":52},"Los análisis estratégicos dejan de quedar en cola detrás de las tareas operativas. La IA puede resultar más útil cuando está conectada a datos reales. Y el equipo puede reducir las exportaciones y el uso de hojas de cálculo para responder preguntas complejas, siempre dentro de los permisos y controles configurados.",{"type":46,"attrs":3149,"content":3150},{"level":387,"textAlign":17},[3151],{"text":3152,"type":52},"Los pilares de la conectividad en tecnología financiera",{"type":61,"attrs":3154,"content":3155},{"textAlign":17},[3156],{"text":3157,"type":52},"Las herramientas de gestión del gasto como Spendesk pueden conectarse con tu ecosistema financiero a través de tres vías:",{"type":1238,"content":3159},[3160,3167,3174],{"type":1241,"content":3161},[3162],{"type":61,"attrs":3163,"content":3164},{"textAlign":17},[3165],{"text":3166,"type":52},"Integraciones nativas que sincronizan directamente con sistemas contables como NetSuite, Xero y Sage.",{"type":1241,"content":3168},[3169],{"type":61,"attrs":3170,"content":3171},{"textAlign":17},[3172],{"text":3173,"type":52},"APIs abiertas que pueden conectarse con herramientas de análisis e informes como Google Sheets.",{"type":1241,"content":3175},[3176],{"type":61,"attrs":3177,"content":3178},{"textAlign":17},[3179],{"text":3180,"type":52},"El conector MCP, que permite a los asistentes de IA, como Claude, Dust y ChatGPT, consultar datos de gasto en modo de solo lectura.",{"type":61,"attrs":3182,"content":3183},{"textAlign":17},[3184],{"text":3185,"type":52},"Cuando los tres canales parten de una misma plataforma, pueden apoyarse en una base de datos de gasto centralizada. Esto facilita mantener una visión coherente de las transacciones que procesa tu empresa.",{"type":61,"attrs":3187,"content":3188},{"textAlign":17},[3189],{"text":3190,"type":52},"La diferencia práctica de tener los tres puede ser significativa. Un director financiero que pregunta «¿Cuál es nuestro gasto comprometido frente a la previsión de este trimestre?» ya no necesita esperar necesariamente a que un analista extraiga y concilie los datos. La respuesta puede llegar rápidamente, seguida de la posibilidad de actualizar una hoja de previsión o una presentación para el consejo si esas herramientas y permisos están configurados para ello.",{"type":61,"attrs":3192,"content":3193},{"textAlign":17},[3194],{"text":3195,"type":52},"Cada capa cumple su función:",{"type":1238,"content":3197},[3198,3205,3212],{"type":1241,"content":3199},[3200],{"type":61,"attrs":3201,"content":3202},{"textAlign":17},[3203],{"text":3204,"type":52},"Las integraciones ayudan a mantener la contabilidad al día.",{"type":1241,"content":3206},[3207],{"type":61,"attrs":3208,"content":3209},{"textAlign":17},[3210],{"text":3211,"type":52},"Las APIs ayudan a mantener los paneles actualizados.",{"type":1241,"content":3213},[3214],{"type":61,"attrs":3215,"content":3216},{"textAlign":17},[3217],{"text":3218,"type":52},"MCP pone los datos al alcance de las herramientas de IA que tu equipo ya utiliza, sin que cada consulta requiera un desarrollo adicional.",{"type":61,"attrs":3220,"content":3221},{"textAlign":17},[3222],{"text":3223,"type":52},"Una nota sobre seguridad: en el caso de Spendesk, el acceso a través de MCP está sujeto al rol y los permisos del usuario. Un usuario autorizado sólo podrá consultar los datos que pueda ver en el sistema original.",{"type":46,"attrs":3225,"content":3226},{"level":387,"textAlign":17},[3227],{"text":3228,"type":52},"Ejemplos de lo que los equipos financieros pueden preguntar a la IA a través de un conector MCP",{"type":3230,"content":3231},"table",[3232,3260,3287,3313,3339,3365],{"type":3233,"content":3234},"tableRow",[3235,3244,3252],{"type":3236,"attrs":3237,"content":3238},"tableHeader",{"colspan":48,"rowspan":48,"colwidth":17},[3239],{"type":61,"attrs":3240,"content":3241},{"textAlign":17},[3242],{"text":3243,"type":52},"Rol",{"type":3236,"attrs":3245,"content":3246},{"colspan":48,"rowspan":48,"colwidth":17},[3247],{"type":61,"attrs":3248,"content":3249},{"textAlign":17},[3250],{"text":3251,"type":52},"Qué puedes preguntar",{"type":3236,"attrs":3253,"content":3254},{"colspan":48,"rowspan":48,"colwidth":17},[3255],{"type":61,"attrs":3256,"content":3257},{"textAlign":17},[3258],{"text":3259,"type":52},"Qué obtienes",{"type":3233,"content":3261},[3262,3271,3279],{"type":3263,"attrs":3264,"content":3265},"tableCell",{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3266],{"type":61,"attrs":3267,"content":3268},{"textAlign":17},[3269],{"text":3270,"type":52},"Director financiero / CFO",{"type":3263,"attrs":3272,"content":3273},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3274],{"type":61,"attrs":3275,"content":3276},{"textAlign":17},[3277],{"text":3278,"type":52},"«¿Cuál es nuestra posición de tesorería?» «¿Qué facturas llevan retraso esta semana?» «¿Cuánto hemos gastado por departamento este trimestre?»",{"type":3263,"attrs":3280,"content":3281},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3282],{"type":61,"attrs":3283,"content":3284},{"textAlign":17},[3285],{"text":3286,"type":52},"Respuestas estratégicas basadas en los datos disponibles, sin esperar necesariamente a que alguien prepare un informe",{"type":3233,"content":3288},[3289,3297,3305],{"type":3263,"attrs":3290,"content":3291},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3292],{"type":61,"attrs":3293,"content":3294},{"textAlign":17},[3295],{"text":3296,"type":52},"Controller",{"type":3263,"attrs":3298,"content":3299},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3300],{"type":61,"attrs":3301,"content":3302},{"textAlign":17},[3303],{"text":3304,"type":52},"«Muéstrame todos los gastos superiores a 500 € aprobados fuera del flujo habitual este mes». «¿Qué suscripciones de SaaS llevan 90 días sin usarse?»",{"type":3263,"attrs":3306,"content":3307},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3308],{"type":61,"attrs":3309,"content":3310},{"textAlign":17},[3311],{"text":3312,"type":52},"Visibilidad sobre el cumplimiento de las políticas, sin depender exclusivamente de auditorías manuales",{"type":3233,"content":3314},[3315,3323,3331],{"type":3263,"attrs":3316,"content":3317},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3318],{"type":61,"attrs":3319,"content":3320},{"textAlign":17},[3321],{"text":3322,"type":52},"Analista de FP&A",{"type":3263,"attrs":3324,"content":3325},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3326],{"type":61,"attrs":3327,"content":3328},{"textAlign":17},[3329],{"text":3330,"type":52},"«Compara el gasto de marketing del T1 con el T4 por departamento». «¿Qué departamentos van camino de superar su presupuesto?» «Hazme un análisis de varianza respecto al trimestre pasado».",{"type":3263,"attrs":3332,"content":3333},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3334],{"type":61,"attrs":3335,"content":3336},{"textAlign":17},[3337],{"text":3338,"type":52},"Análisis de tendencias en menos tiempo, sin reconstruir informes desde cero",{"type":3233,"content":3340},[3341,3349,3357],{"type":3263,"attrs":3342,"content":3343},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3344],{"type":61,"attrs":3345,"content":3346},{"textAlign":17},[3347],{"text":3348,"type":52},"Responsable de contabilidad",{"type":3263,"attrs":3350,"content":3351},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3352],{"type":61,"attrs":3353,"content":3354},{"textAlign":17},[3355],{"text":3356,"type":52},"«¿Qué facturas están programadas para pago esta semana?» «Muéstrame todos los pagos superiores a 10.000 € pendientes de aprobación». «¿En qué punto está la factura [X] en cada entidad?»",{"type":3263,"attrs":3358,"content":3359},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3360],{"type":61,"attrs":3361,"content":3362},{"textAlign":17},[3363],{"text":3364,"type":52},"Visibilidad sobre el estado de los pagos sin tener que consultar múltiples pantallas",{"type":3233,"content":3366},[3367,3375,3383],{"type":3263,"attrs":3368,"content":3369},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3370],{"type":61,"attrs":3371,"content":3372},{"textAlign":17},[3373],{"text":3374,"type":52},"Compras",{"type":3263,"attrs":3376,"content":3377},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3378],{"type":61,"attrs":3379,"content":3380},{"textAlign":17},[3381],{"text":3382,"type":52},"«¿Cuáles son nuestros contratos más costosos?» «¿Qué proveedores no hemos utilizado en seis meses?» «¿Cómo se comparan los precios de este proveedor con otros del sector?»",{"type":3263,"attrs":3384,"content":3385},{"colspan":48,"rowspan":48,"colwidth":17,"backgroundColor":17},[3386],{"type":61,"attrs":3387,"content":3388},{"textAlign":17},[3389],{"text":3390,"type":52},"Información sobre el gasto para apoyar renegociaciones y revisiones de contratos, cuando sea necesario",{"type":46,"attrs":3392,"content":3393},{"level":387,"textAlign":17},[3394],{"text":3395,"type":52},"Herramientas MCP para finanzas: donde el protocolo se encuentra con tu stack tecnológico",{"type":46,"attrs":3397,"content":3398},{"level":479,"textAlign":17},[3399],{"text":3400,"type":52},"Lo que ya está disponible",{"type":61,"attrs":3402,"content":3403},{"textAlign":17},[3404],{"text":3405,"type":52},"El ecosistema MCP ha crecido rápidamente. A principios de 2026 ya había más de 10.000 servidores MCP públicos activos, según Qualys. Stripe ha publicado un servidor MCP propio para interactuar con su API y consultar su base de conocimiento. Digits lanzó en abril de 2026 un servidor MCP de contabilidad que conecta herramientas de IA con su libro mayor en tiempo real. Microsoft Dynamics 365 Finance and Operations ofrece un servidor MCP para que los agentes accedan a datos y lógica empresarial de las aplicaciones de finanzas y operaciones. El ritmo de adopción en la gestión del gasto indica hacia dónde se dirige todo esto.",{"type":46,"attrs":3407,"content":3408},{"level":479,"textAlign":17},[3409],{"text":3410,"type":52},"Cómo Spendesk se conecta con tus herramientas de IA",{"type":61,"attrs":3412,"content":3413},{"textAlign":17},[3414],{"text":3415,"type":52},"Para los usuarios de Spendesk, MCP funciona así: el MCP de Spendesk conecta los datos financieros de la plataforma, como cuentas a pagar, liquidaciones, proveedores, pedidos de compra y dimensiones de gasto, con un asistente de IA.",{"type":61,"attrs":3417,"content":3418},{"textAlign":17},[3419],{"text":3420,"type":52},"Actualmente, Spendesk MCP está disponible con Claude, ChatGPT y Dust.",{"type":61,"attrs":3422,"content":3423},{"textAlign":17},[3424],{"text":3425,"type":52},"Cada usuario autorizado accede según su rol y sus permisos de Spendesk, y solo puede consultar los datos que le corresponden. El MCP de Spendesk funciona en modo de solo lectura: puede consultar, analizar y mostrar información, pero no puede crear ni aprobar pagos, modificar facturas ni cambiar datos en Spendesk. El control sigue siendo tuyo.",{"type":46,"attrs":3427,"content":3428},{"level":387,"textAlign":17},[3429],{"text":3430,"type":52},"Casos de uso reales de agentes de IA en finanzas",{"type":46,"attrs":3432,"content":3433},{"level":479,"textAlign":17},[3434],{"text":3435,"type":52},"Informes financieros automatizados con IA",{"type":61,"attrs":3437,"content":3438},{"textAlign":17},[3439],{"text":3440,"type":52},"El cierre mensual puede consumir una parte importante del tiempo del equipo: extraer datos de múltiples sistemas, conciliar discrepancias y redactar los comentarios sobre desviaciones. Con el MCP de Spendesk conectado a tu asistente de IA, preguntar «¿Cuánto hemos gastado por departamento este mes frente al presupuesto?» puede ofrecer una respuesta basada en los datos disponibles. Y las preguntas de seguimiento, como «¿Qué departamento se aleja más del presupuesto?» o «¿Qué explica la desviación en marketing?», pueden continuar de forma natural, sin empezar de cero cada vez.",{"type":46,"attrs":3442,"content":3443},{"level":479,"textAlign":17},[3444],{"text":3445,"type":52},"Caso de uso 1: seguimiento en tiempo casi real de excepciones de política",{"type":61,"attrs":3447,"content":3448},{"textAlign":17},[3449],{"text":3450,"type":52},"En un flujo de trabajo configurado para ello, el asistente puede analizar las transacciones disponibles en Spendesk y señalar posibles desviaciones respecto a la política: categorías que no deberían aparecer, aprobaciones fuera del flujo habitual o cargos individuales por encima de un umbral definido. El equipo podría recibir un resumen periódico o una alerta mediante las herramientas conectadas y los permisos disponibles. Las excepciones que antes se detectaban por muestreo al cierre del mes pueden identificarse antes, cuando todavía se puede hacer algo.",{"type":46,"attrs":3452,"content":3453},{"level":479,"textAlign":17},[3454],{"text":3455,"type":52},"Caso de uso 2: briefing semanal de cuentas a pagar",{"type":61,"attrs":3457,"content":3458},{"textAlign":17},[3459],{"text":3460,"type":52},"Con un flujo programado, la IA puede preparar el panorama de la semana: principales exposiciones por proveedor, pagos bloqueados a la espera de aprobación, importes vencidos y pagos de gran cuantía. El resultado puede ser un documento estructurado con el que el equipo trabaje antes de que empiece la semana. La conversación sobre tesorería que antes empezaba con «déjame preparar eso» puede arrancar con una primera visión de los datos disponibles.",{"type":46,"attrs":3462,"content":3463},{"level":479,"textAlign":17},[3464],{"text":3465,"type":52},"Caso de uso 3: auditoría trimestral de proveedores y SaaS",{"type":61,"attrs":3467,"content":3468},{"textAlign":17},[3469],{"text":3470,"type":52},"Bajo demanda o con un calendario configurado, la IA puede revisar el gasto con proveedores en toda la empresa y mostrar qué ha cambiado desde el último trimestre: contratos clave ordenados según su potencial de negociación, proveedores que llevan seis meses sin utilizarse y suscripciones de SaaS que requieren revisión. Es el tipo de información que normalmente solo aparece cuando alguien tiene tiempo de ir a buscarla y que puede estar disponible mediante una consulta.",{"type":46,"attrs":3472,"content":3473},{"level":387,"textAlign":17},[3474],{"text":3475,"type":52},"Qué significa esto para tu estrategia de gestión del gasto",{"type":46,"attrs":3477,"content":3478},{"level":479,"textAlign":17},[3479],{"text":3480,"type":52},"La cuestión de la consolidación",{"type":61,"attrs":3482,"content":3483},{"textAlign":17},[3484],{"text":3485,"type":52},"Los equipos que más partido pueden sacar a la IA con MCP suelen ser los que ya han centralizado sus datos de gasto en una única plataforma. Si las facturas están en un sistema, los gastos en otro y los pedidos de compra en un tercero, el agente de IA no tiene necesariamente un contexto unificado con el que trabajar. Solo puede ayudar con los datos a los que tiene acceso.",{"type":46,"attrs":3487,"content":3488},{"level":479,"textAlign":17},[3489],{"text":3490,"type":52},"Tres preguntas para saber si estás preparado",{"type":61,"attrs":3492,"content":3493},{"textAlign":17},[3494],{"text":3495,"type":52},"¿Están tus datos de gasto en un solo lugar? Las tarjetas corporativas, los pagos de facturas, los gastos y los pedidos de compra pueden fluir por una única plataforma. Si es así, los agentes de IA pueden consultar un conjunto de datos unificado y ofrecer respuestas más coherentes.",{"type":61,"attrs":3497,"content":3498},{"textAlign":17},[3499],{"text":3500,"type":52},"¿Son digitales tus flujos de aprobación? Las aprobaciones por correo y hoja de cálculo son más difíciles de integrar directamente con agentes de IA y pueden requerir trabajo adicional. Los flujos digitales con reglas de enrutamiento claras crean una estructura más fácil de consultar.",{"type":61,"attrs":3502,"content":3503},{"textAlign":17},[3504],{"text":3505,"type":52},"¿Se integra tu plataforma con tu software contable a través de una API? Las integraciones con Xero, QuickBooks, Sage o NetSuite pueden facilitar el intercambio de datos de gasto entre sistemas. Esa conexión puede ayudar a la IA a cruzar el gasto con los registros financieros disponibles.",{"type":46,"attrs":3507,"content":3508},{"level":479,"textAlign":17},[3509],{"text":3510,"type":52},"Empieza con lo que ya tienes",{"type":61,"attrs":3512,"content":3513},{"textAlign":17},[3514],{"text":3515,"type":52},"Si has respondido sí a las tres preguntas, estás bien posicionado para valorar una conexión MCP. Los usuarios de Spendesk que ya gestionan todo el gasto de la empresa a través de la plataforma y la conectan con su software contable pueden tener una base más preparada para adoptar MCP.",{"type":61,"attrs":3517,"content":3518},{"textAlign":17},[3519],{"text":3520,"type":52},"Si has respondido no a alguna, la consolidación puede ser un primer paso. Construye una base de datos más unificada y, después, valora qué capa de IA encaja con tus necesidades.",{"type":61,"attrs":3522,"content":3523},{"textAlign":17},[3524],{"text":3525,"type":52},"Kevin Steele, un CFO fraccional que construyó su propia aplicación de FP&A en Claude Code, mostró este enfoque en una sesión reciente de CFO Connect. Su caso ilustra que una interfaz vistosa no basta: lo que marca la diferencia es la ingeniería financiera y la calidad de los datos que hay detrás. Esa es la pauta: las herramientas de IA se ganan su lugar en una función financiera no solo por la interfaz, sino por la capa de datos que las sustenta. (CFO Connect, Building an AI-Native FP&A App in Claude Code)",{"name":1294,"created_at":1295,"published_at":104,"updated_at":1296,"id":1297,"uuid":1298,"content":3527,"slug":1306,"full_slug":1307,"sort_by_date":17,"position":138,"tag_list":3529,"is_startpage":14,"parent_id":1309,"meta_data":17,"group_id":1310,"first_published_at":1311,"release_id":17,"lang":118,"path":17,"alternates":3530,"default_full_slug":1313,"translated_slugs":3531,"_stopResolving":127},{"_uid":1300,"icon":3528,"name":1294,"component":1305},{"id":1302,"alt":1303,"name":18,"focus":18,"title":18,"filename":1304,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[3532,3533,3534],{"path":1313,"name":17,"lang":123,"published":17},{"path":1313,"name":17,"lang":125,"published":17},{"path":1313,"name":17,"lang":118,"published":17},[118],[],[],"14",[3540],{"_uid":1359,"type":18,"asset":3541,"caption":18,"overlay":3546,"component":367},{"id":3542,"alt":3543,"name":18,"focus":18,"title":18,"source":18,"filename":3544,"copyright":18,"fieldtype":19,"meta_data":3545,"is_external_url":14},171872541842321,"diagram explaining what is mcp connectivity for finance","https://a.storyblok.com/f/146026/1538x858/5e3d1a35c9/mcp_blog_cover.jpeg",{"alt":3543,"title":18,"source":18,"copyright":18},[],"La IA en finanzas depende, sobre todo, de los datos que puede ver. Qué es MCP, cómo transforma el trabajo de los equipos financieros y si tu stack está preparado para dar el salto.",[],[3550],{"_uid":3551,"items":3552,"heading":3593,"component":2926},"b8e20771-518d-4ea7-84b3-fc8cc3770269",[3553,3563,3573,3583],{"_uid":3554,"title":3555,"component":2689,"description":3556},"051638a5-b123-4ece-a8eb-aa627f7232c4","¿Qué es MCP y cómo funciona para finanzas?",{"type":43,"content":3557},[3558],{"type":61,"attrs":3559,"content":3560},{"textAlign":17},[3561],{"text":3562,"type":52},"El Protocolo de Contexto de Modelo es un estándar abierto que permite a los asistentes de IA conectarse de forma estandarizada a herramientas externas y fuentes de datos. Para controllers, analistas de FP&A y directores financieros, significa que un asistente como Claude, ChatGPT o Dust puede consultar datos de gasto y responder en lenguaje natural, sin tener que exportar información para cada consulta. Para los usuarios de Spendesk, una vez activada la conexión y según el rol y los permisos disponibles, es posible consultar datos de cuentas a pagar, proveedores, pedidos de compra, liquidaciones y dimensiones de gasto. La conexión funciona en modo de solo lectura por diseño, así que no permite crear ni modificar registros en Spendesk. Entre los ejemplos de consulta se incluyen el saldo y los fondos disponibles, las facturas vencidas, el gasto por departamento, el estado de pagos, el seguimiento de facturas, las comparaciones presupuestarias y el análisis de proveedores, todo desde una interfaz conversacional conectada a los datos disponibles de Spendesk.",{"_uid":3564,"title":3565,"component":2689,"description":3566},"a00f035d-de36-44c6-94b3-e40d99fd1f7d","¿Qué herramientas financieras son compatibles con la integración MCP?",{"type":43,"content":3567},[3568],{"type":61,"attrs":3569,"content":3570},{"textAlign":17},[3571],{"text":3572,"type":52},"La adopción todavía está en sus primeras etapas y la disponibilidad varía según el proveedor y el producto. Stripe, Digits y Microsoft Dynamics 365 Finance and Operations cuentan con servidores MCP o compatibilidad con MCP. La mayoría de los proveedores de software contable todavía están desarrollando sus propuestas en este ámbito.",{"_uid":3574,"title":3575,"component":2689,"description":3576},"1e0fe315-2c81-4d31-b142-d6fe4ba1093e","¿En qué se diferencia la IA agéntica de la automatización tradicional en finanzas?",{"type":43,"content":3577},[3578],{"type":61,"attrs":3579,"content":3580},{"textAlign":17},[3581],{"text":3582,"type":52},"La automatización tradicional sigue guiones fijos que pueden romperse cuando aparece una excepción. La IA agéntica razona sobre el contexto y puede, según el modelo, los datos y la configuración, reconocer que dos proveedores con nombres distintos son el mismo o detectar patrones que merecen una revisión. La diferencia clave no está únicamente en la velocidad o la escala. También está en la capacidad potencial de gestionar casos grises que los sistemas basados en reglas no pueden manejar. Gartner predice que el 33 % del software empresarial incluirá IA agéntica en 2028, frente a menos del 1 % en 2024, lo que da una idea de la velocidad a la que avanza este cambio. El grado de control depende de las herramientas y los permisos configurados. En Spendesk MCP, el acceso es de solo lectura: el agente muestra la información y tú tomas la decisión.",{"_uid":3584,"title":3585,"component":2689,"description":3586},"4d2a4c3c-a962-4306-a73b-fe3971bef936","¿Qué herramientas de gestión del gasto son compatibles con agentes de IA y MCP?",{"type":43,"content":3587},[3588],{"type":61,"attrs":3589,"content":3590},{"textAlign":17},[3591],{"text":3592,"type":52},"Las plataformas que centralizan todo el gasto en un único lugar, como facturas, gastos, tarjetas corporativas y pedidos de compra, suelen estar mejor posicionadas para integrarse con MCP. El MCP de Spendesk se conecta con Claude, ChatGPT y Dust, y da al equipo acceso conversacional a datos de gasto, cuentas a pagar, proveedores y pedidos de compra sin tener que exportar datos para cada consulta. Spendesk también se integra con Xero, Sage, QuickBooks y NetSuite, lo que puede ampliar el contexto disponible para el análisis financiero conectado.",[3594],{"cta":3595,"_uid":3596,"title":3597,"eyebrow":3603,"subtitle":3608,"component":46,"textAlign":18,"flexibleSection":3613,"sectionSettings":3614,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"1b63089f-6f1f-46e1-8c39-18615710e2b0",{"type":43,"content":3598},[3599],{"type":46,"attrs":3600,"content":3601},{"level":387,"textAlign":17},[3602],{"text":1048,"type":52},{"type":43,"content":3604},[3605],{"type":61,"attrs":3606,"content":3607},{"textAlign":17},[],{"type":43,"content":3609},[3610],{"type":61,"attrs":3611,"content":3612},{"textAlign":17},[],[],[],"que-es-mcp-y-que-significa-para-los-equipos-de-finanzas","es/blog/que-es-mcp-y-que-significa-para-los-equipos-de-finanzas",-1480,[],"bf6544d6-c52d-43f1-868b-c13db76529c7","2026-05-27T16:06:46.066Z",[],"blog/que-es-mcp-y-que-significa-para-los-equipos-de-finanzas",[3624,3625,3626],{"path":3622,"name":17,"lang":123,"published":17},{"path":3622,"name":17,"lang":125,"published":17},{"path":3622,"name":17,"lang":118,"published":17},{"name":3628,"created_at":3629,"published_at":104,"updated_at":3630,"id":3631,"uuid":3632,"content":3633,"slug":4488,"full_slug":4489,"sort_by_date":17,"position":4490,"tag_list":4491,"is_startpage":14,"parent_id":1389,"meta_data":17,"group_id":4492,"first_published_at":4493,"release_id":17,"lang":118,"path":17,"alternates":4494,"default_full_slug":4495,"translated_slugs":4496,"_stopResolving":127}," Todo lo que debes saber para gestionar mejor los gastos de empresa","2023-04-12T13:11:31.647Z","2026-03-12T10:47:54.657Z",290893276,"42c0dbd0-9303-4e28-b598-a4f52cd70865",{"_uid":3634,"roles":3635,"title":3636,"author":3637,"topics":3659,"content":3687,"category":4455,"language":4464,"component":1306,"heroMedia":4465,"sidebarCta":4479,"publishedAt":4480,"readingTime":4481,"redirectUrl":18,"listingImage":4482,"metaDescription":4487},"582006ae-ca45-454f-bd77-bf43323678ac",[],"Todo lo que debes saber para gestionar mejor los gastos de empresa",{"name":1469,"created_at":1470,"published_at":1471,"updated_at":1472,"id":1473,"uuid":1474,"content":3638,"slug":1501,"full_slug":1502,"sort_by_date":17,"position":1503,"tag_list":3653,"is_startpage":14,"parent_id":287,"meta_data":17,"group_id":1505,"first_published_at":1506,"release_id":17,"lang":118,"path":17,"alternates":3654,"default_full_slug":1508,"translated_slugs":3655,"_stopResolving":127},{"seo":3639,"_uid":1482,"name":1469,"links":3642,"picture":3646,"lastName":1493,"component":273,"firstName":1469,"description":3647},[3640],{"_uid":1478,"noIndex":14,"component":15,"metaFields":3641},{"_uid":1480,"title":1481,"plugin":23},[3643],{"tag":18,"_uid":1485,"icon":3644,"link":3645,"type":18,"label":18,"style":356,"component":266,"onClickEvent":18,"openInANewTab":14,"horizontalFill":14},{"id":1487,"alt":18,"name":18,"focus":18,"title":18,"filename":1488,"copyright":18,"fieldtype":19,"is_external_url":14},{"id":18,"url":1490,"linktype":262,"fieldtype":263,"cached_url":1490},{"alt":1492,"name":18,"focus":18,"title":18,"filename":1492,"copyright":18,"fieldtype":19,"is_external_url":14},{"type":43,"content":3648},[3649],{"type":61,"attrs":3650,"content":3651},{"textAlign":17},[3652],{"text":1500,"type":52},[],[],[3656,3657,3658],{"path":1508,"name":17,"lang":123,"published":17},{"path":1508,"name":17,"lang":125,"published":17},{"path":1508,"name":17,"lang":118,"published":17},[3660],{"name":3661,"created_at":3662,"published_at":3663,"updated_at":3664,"id":3665,"uuid":3666,"content":3667,"slug":3675,"full_slug":3676,"sort_by_date":17,"position":3677,"tag_list":3678,"is_startpage":14,"parent_id":316,"meta_data":17,"group_id":3679,"first_published_at":3680,"release_id":17,"lang":118,"path":17,"alternates":3681,"default_full_slug":3682,"translated_slugs":3683,"_stopResolving":127},"Gastos","2023-04-12T07:13:25.147Z","2026-09-29T09:14:30.371Z","2026-09-29T09:14:30.391Z",290525525,"06802810-57db-474a-ae2f-e0f002cb19bf",{"seo":3668,"_uid":3674,"name":3661,"component":110},[3669],{"_uid":3670,"noIndex":14,"component":15,"metaFields":3671},"edf2f01f-4837-4ef4-af56-900fde506af8",{"_uid":3672,"plugin":23,"description":3673},"7697f8f4-bbcc-4fd3-8454-4aef515b0433","Gestion de gastos de empresa: como registrar, aprobar y controlar los gastos del dia a dia con mas visibilidad.","a2c58a16-f495-475f-951f-05171468aae4","gastos","es/blog/topic/gastos",-530,[],"64c72f54-59b5-40c2-acfd-1ce316754792","2022-11-02T15:24:39.815Z",[],"blog/topic/gastos",[3684,3685,3686],{"path":3682,"name":17,"lang":123,"published":17},{"path":3682,"name":17,"lang":125,"published":17},{"path":3682,"name":17,"lang":118,"published":17},{"type":43,"content":3688},[3689,3703,3721,3730,3779,3787,3796,3830,3858,3865,3873,3912,3990,4018,4026,4058,4066,4084,4102,4245,4253,4271,4303,4321,4329,4347,4379,4418,4450],{"type":61,"content":3690},[3691,3698],{"text":3692,"type":52,"marks":3693},"Gestionar y organizar de forma eficaz los gastos",[3694,3695],{"type":582},{"type":335,"attrs":3696},{"color":3697},"rgb(0, 0, 0)",{"text":3699,"type":52,"marks":3700}," es indispensable para cualquier empresa. Todavía más si tu empresa está creciendo. La aparición de nuevas necesidades conlleva inevitablemente la aparición de más costes. ",[3701],{"type":335,"attrs":3702},{"color":3697},{"type":61,"content":3704},[3705,3710,3716],{"text":3706,"type":52,"marks":3707},"¿Está tu empresa preparada para ",[3708],{"type":335,"attrs":3709},{"color":3697},{"text":3711,"type":52,"marks":3712},"una gestión de gastos cada vez mayor",[3713,3714],{"type":582},{"type":335,"attrs":3715},{"color":3697},{"text":3717,"type":52,"marks":3718},"? Spendesk tiene la solución para adaptarte a los cambios con total tranquilidad.",[3719],{"type":335,"attrs":3720},{"color":3697},{"type":46,"attrs":3722,"content":3723},{"level":387},[3724],{"text":3725,"type":52,"marks":3726},"Acabar con el “prehistórico” proceso estándar de gestión de gastos",[3727],{"type":335,"attrs":3728},{"color":3729},"rgb(79, 129, 189)",{"type":61,"content":3731},[3732,3737,3746,3751,3760,3768,3774],{"text":3733,"type":52,"marks":3734},"Tratar y validar montañas de recibos, facturas y ",[3735],{"type":335,"attrs":3736},{"color":3697},{"text":3738,"type":52,"marks":3739},"hojas de gastos",[3740,3744],{"type":264,"attrs":3741},{"href":3742,"uuid":3743,"anchor":17,"target":1041,"linktype":362},"/es/blog/hojas-de-gastos","2fb7321f-3c5c-460d-8d5f-8b587bd35d35",{"type":335,"attrs":3745},{"color":3697},{"text":3747,"type":52,"marks":3748},". Y verificar cientos de líneas en una plantilla de Excel. Todavía esta es la realidad de muchas empresas a la hora de gestionar sus gastos. ¡Un proceso muy anticuado y costoso! Con ",[3749],{"type":335,"attrs":3750},{"color":3697},{"text":3752,"type":52,"marks":3753},"las ",[3754,3758],{"type":264,"attrs":3755},{"href":3756,"uuid":3757,"anchor":17,"target":1041,"linktype":362},"/blog/herramientas-financieras","b983cf92-f4ff-48ff-a785-b316ef6eac11",{"type":335,"attrs":3759},{"color":3697},{"text":3761,"type":52,"marks":3762},"nuevas herramientas",[3763,3765,3766],{"type":264,"attrs":3764},{"href":3756,"uuid":3757,"anchor":17,"target":1041,"linktype":362},{"type":582},{"type":335,"attrs":3767},{"color":3697},{"text":3769,"type":52,"marks":3770}," y aplicaciones de gestión de gastos",[3771,3772],{"type":582},{"type":335,"attrs":3773},{"color":3697},{"text":3775,"type":52,"marks":3776},", es el momento de adoptar mejores prácticas.",[3777],{"type":335,"attrs":3778},{"color":3697},{"type":339,"attrs":3780},{"id":3781,"body":3782},"238cafd6-f467-4a6e-9d6e-d9c458de8c4f",[3783],{"_uid":3784,"html":3785,"component":3786},"i-1dc3bdf2-d362-46a6-8246-b179553170b3","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-e2fb35c3-e1fb-444d-b226-f509de8cadb6\">\u003Cspan class=\"hs-cta-node hs-cta-e2fb35c3-e1fb-444d-b226-f509de8cadb6\" id=\"hs-cta-e2fb35c3-e1fb-444d-b226-f509de8cadb6\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/e2fb35c3-e1fb-444d-b226-f509de8cadb6\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-e2fb35c3-e1fb-444d-b226-f509de8cadb6\" style=\"border-width:0px;\" height=\"400\" width=\"1200\" src=\"https://no-cache.hubspot.com/cta/default/2694209/e2fb35c3-e1fb-444d-b226-f509de8cadb6.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, 'e2fb35c3-e1fb-444d-b226-f509de8cadb6', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":46,"attrs":3788,"content":3789},{"level":479},[3790],{"text":3791,"type":52,"marks":3792},"Identificar y abandonar las malas prácticas de gestión",[3793],{"type":335,"attrs":3794},{"color":3795},"rgb(0, 176, 240)",{"type":61,"content":3797},[3798,3803,3809,3819,3826],{"text":3799,"type":52,"marks":3800},"La dirección marca la política de gestión de los gastos de la empresa. El departamento de contabilidad debe seguirlo, así como el resto de empleados. Pero en la práctica, muchos trabajadores encuentran problemas que la dirección no es capaz de identificar. Por ejemplo, en los viajes de empresa, tienen que tener cuidado ",[3801],{"type":335,"attrs":3802},{"color":3697},{"text":3804,"type":52,"marks":3805},"de no perder las facturas y ",[3806,3807],{"type":582},{"type":335,"attrs":3808},{"color":3697},{"text":3810,"type":52,"marks":3811},"recibos",[3812,3816,3817],{"type":264,"attrs":3813},{"href":3814,"uuid":3815,"anchor":17,"target":1041,"linktype":362},"/blog/gestion-de-recibos","03e9a2cb-b18c-4d3c-a308-b65c4e3026e5",{"type":582},{"type":335,"attrs":3818},{"color":3697},{"text":3820,"type":52,"marks":3821}," de los gastos",[3822,3824],{"type":264,"attrs":3823},{"href":3814,"uuid":3815,"anchor":17,"target":1041,"linktype":362},{"type":335,"attrs":3825},{"color":3697},{"text":2195,"type":52,"marks":3827},[3828],{"type":335,"attrs":3829},{"color":3697},{"type":61,"content":3831},[3832,3837,3847,3853],{"text":3833,"type":52,"marks":3834},"Otra mala práctica generalizada es la centralización de todos los gastos. ¡La antigua caja a disposición de los empleados! Esto dificulta enormemente la autonomía y flexibilidad de los empleados. Se encuentran encerrados en procesos rígidos e ineficaces. Pasan mucho tiempo con los informes de gastos. El resultado: los ",[3835],{"type":335,"attrs":3836},{"color":3697},{"text":3838,"type":52,"marks":3839},"costes de empresa",[3840,3844,3845],{"type":264,"attrs":3841},{"href":3842,"uuid":3843,"anchor":17,"target":1041,"linktype":362},"/es/blog/costes-directos-indirectos","c70aeb60-1d8d-4d9b-9e0c-00889278cd14",{"type":582},{"type":335,"attrs":3846},{"color":3697},{"text":3848,"type":52,"marks":3849}," por trabajador crecen",[3850,3851],{"type":582},{"type":335,"attrs":3852},{"color":3697},{"text":3854,"type":52,"marks":3855}," exponencialmente. ",[3856],{"type":335,"attrs":3857},{"color":3697},{"type":61,"content":3859},[3860],{"text":3861,"type":52,"marks":3862},"Establecer buenos hábitos y procesos bien definidos no hace que su empresa sea rígida. Al contrario, dan a los empleados más agilidad, seguridad y confianza.",[3863],{"type":335,"attrs":3864},{"color":3697},{"type":46,"attrs":3866,"content":3867},{"level":479},[3868],{"text":3869,"type":52,"marks":3870},"La tarjeta bancaria: vital y peligrosa",[3871],{"type":335,"attrs":3872},{"color":3795},{"type":61,"content":3874},[3875,3880,3886,3891,3901,3907],{"text":3876,"type":52,"marks":3877},"La ",[3878],{"type":335,"attrs":3879},{"color":3697},{"text":3881,"type":52,"marks":3882},"tarjeta bancaria es el medio de pago preferido",[3883,3884],{"type":582},{"type":335,"attrs":3885},{"color":3697},{"text":3887,"type":52,"marks":3888}," por las empresas para gestionar sus gastos. Al año se realizan 700 millones de transacciones B2B en Europa. Pero también es una fuente de peligro y mala gestión. Por ejemplo, en muchos casos la ",[3889],{"type":335,"attrs":3890},{"color":3697},{"text":3892,"type":52,"marks":3893},"tarjeta de empresa",[3894,3898,3899],{"type":264,"attrs":3895},{"href":3896,"uuid":3897,"anchor":17,"target":1041,"linktype":362},"/es/product/smart-company-cards","27dba625-a774-450b-9fb8-47efecbc5fc1",{"type":582},{"type":335,"attrs":3900},{"color":3697},{"text":3902,"type":52,"marks":3903}," pasa de mano en mano",[3904,3905],{"type":582},{"type":335,"attrs":3906},{"color":3697},{"text":3908,"type":52,"marks":3909},". El riesgo de pérdida, robo o piratería es alto. Además, identificar al responsable de cada gasto es extremadamente complejo. Y hay otras malas prácticas que evitar:",[3910],{"type":335,"attrs":3911},{"color":3697},{"type":1238,"content":3913},[3914,3923,3945,3954,3963,3972,3981],{"type":1241,"content":3915},[3916],{"type":61,"content":3917},[3918],{"text":3919,"type":52,"marks":3920},"Compartir los datos de la tarjeta corporativa (por correo electrónico o, peor aún, en papel).",[3921],{"type":335,"attrs":3922},{"color":3697},{"type":1241,"content":3924},[3925],{"type":61,"content":3926},[3927,3932,3941],{"text":3928,"type":52,"marks":3929}," No establecer un proceso para recuperar los ",[3930],{"type":335,"attrs":3931},{"color":3697},{"text":3933,"type":52,"marks":3934},"recibos de gastos",[3935,3939],{"type":264,"attrs":3936},{"href":3937,"uuid":3938,"anchor":17,"target":1041,"linktype":362},"/de/blog/recibo-digital","6b825ba8-b2c0-4de1-b010-ba3558e93739",{"type":335,"attrs":3940},{"color":3697},{"text":2195,"type":52,"marks":3942},[3943],{"type":335,"attrs":3944},{"color":3697},{"type":1241,"content":3946},[3947],{"type":61,"content":3948},[3949],{"text":3950,"type":52,"marks":3951},"No establecer controles sobre los límites y condiciones de su uso.",[3952],{"type":335,"attrs":3953},{"color":3697},{"type":1241,"content":3955},[3956],{"type":61,"content":3957},[3958],{"text":3959,"type":52,"marks":3960},"Tener una sola tarjeta bancaria para todas las compras del personal.",[3961],{"type":335,"attrs":3962},{"color":3697},{"type":1241,"content":3964},[3965],{"type":61,"content":3966},[3967],{"text":3968,"type":52,"marks":3969},"Utilizar la tarjeta corporativa para contratar suscripciones de software.",[3970],{"type":335,"attrs":3971},{"color":3697},{"type":1241,"content":3973},[3974],{"type":61,"content":3975},[3976],{"text":3977,"type":52,"marks":3978},"Confiar la tarjeta a un empleado que está de viaje de negocios. ",[3979],{"type":335,"attrs":3980},{"color":3697},{"type":1241,"content":3982},[3983],{"type":61,"content":3984},[3985],{"text":3986,"type":52,"marks":3987},"Utilizar la tarjeta y prestarla a un compañero sin avisar a nadie.",[3988],{"type":335,"attrs":3989},{"color":3697},{"type":61,"content":3991},[3992,3997,4003,4008,4014],{"text":3993,"type":52,"marks":3994},"Hoy hay soluciones fáciles para acabar con estos problemas. Spendesk ofrece ",[3995],{"type":335,"attrs":3996},{"color":3697},{"text":3998,"type":52,"marks":3999},"tarjetas corporativas físicas y virtuales",[4000,4001],{"type":582},{"type":335,"attrs":4002},{"color":3697},{"text":4004,"type":52,"marks":4005}," conectadas a una plataforma de gestión del gasto inteligente. Cada trabajador puede tener su propia tarjeta temporal. Por su parte, los jefes o los contables pueden acceder a los ",[4006],{"type":335,"attrs":4007},{"color":3697},{"text":4009,"type":52,"marks":4010},"gastos incluso en tiempo real",[4011,4012],{"type":582},{"type":335,"attrs":4013},{"color":3697},{"text":2195,"type":52,"marks":4015},[4016],{"type":335,"attrs":4017},{"color":3697},{"type":46,"attrs":4019,"content":4020},{"level":387},[4021],{"text":4022,"type":52,"marks":4023},"Una política de gastos eficaz para controlar los costes ",[4024],{"type":335,"attrs":4025},{"color":3729},{"type":61,"content":4027},[4028,4033,4039,4044,4053],{"text":4029,"type":52,"marks":4030},"Establecer un mejor control de los gastos de empresa pasa inevitablemente por ",[4031],{"type":335,"attrs":4032},{"color":3697},{"text":4034,"type":52,"marks":4035},"establecer una política de gastos",[4036,4037],{"type":582},{"type":335,"attrs":4038},{"color":3697},{"text":4040,"type":52,"marks":4041},". Al menos por tres razones principales. La primera, porque ",[4042],{"type":335,"attrs":4043},{"color":3697},{"text":4045,"type":52,"marks":4046},"controlar los costes",[4047,4051],{"type":264,"attrs":4048},{"href":4049,"uuid":4050,"anchor":17,"target":1041,"linktype":362},"/blog/reducir-costes-empresa","d8159b75-d2db-4fbd-b34b-7666d5bee488",{"type":335,"attrs":4052},{"color":3697},{"text":4054,"type":52,"marks":4055}," de funcionamiento permite tener una mayor visibilidad del presupuesto. Después, para poder llevar una contabilidad de costes. Y finalmente, para disponer de todas las facturas y evitar los desfases contables.",[4056],{"type":335,"attrs":4057},{"color":3697},{"type":46,"attrs":4059,"content":4060},{"level":479},[4061],{"text":4062,"type":52,"marks":4063},"El primer paso: racionalizar la gestión ",[4064],{"type":335,"attrs":4065},{"color":3795},{"type":61,"content":4067},[4068,4073,4079],{"text":4069,"type":52,"marks":4070},"Costes de explotación, costes de los trabajadores, viajes de empresa, comidas… Los gastos de empresa son muchos. Y de todo tipo: directos, indirectos, fijos y variables. Sin embargo, racionalizando su funcionamiento, toda empresa puede ",[4071],{"type":335,"attrs":4072},{"color":3697},{"text":4074,"type":52,"marks":4075},"evitar despilfarros y aprovechar mejor sus recursos",[4076,4077],{"type":582},{"type":335,"attrs":4078},{"color":3697},{"text":4080,"type":52,"marks":4081},". ",[4082],{"type":335,"attrs":4083},{"color":3697},{"type":61,"content":4085},[4086,4091,4097],{"text":4087,"type":52,"marks":4088},"Hay que aplicar ",[4089],{"type":335,"attrs":4090},{"color":3697},{"text":4092,"type":52,"marks":4093},"medidas correctas para optimizar los procesos de gestión",[4094,4095],{"type":582},{"type":335,"attrs":4096},{"color":3697},{"text":4098,"type":52,"marks":4099}," de gastos.",[4100],{"type":335,"attrs":4101},{"color":3697},{"type":1238,"content":4103},[4104,4136,4156,4176,4210,4230],{"type":1241,"content":4105},[4106],{"type":61,"content":4107},[4108,4117,4125,4131],{"text":4109,"type":52,"marks":4110},"Establecer un ",[4111,4115],{"type":264,"attrs":4112},{"href":4113,"uuid":4114,"anchor":17,"target":1041,"linktype":362},"/blog/procedimiento-presupuestario","4f95e2ce-5f44-44a5-a1a6-a0c984202850",{"type":335,"attrs":4116},{"color":3697},{"text":4118,"type":52,"marks":4119},"presupuesto",[4120,4122,4123],{"type":264,"attrs":4121},{"href":4113,"uuid":4114,"anchor":17,"target":1041,"linktype":362},{"type":582},{"type":335,"attrs":4124},{"color":3697},{"text":4126,"type":52,"marks":4127}," por tipo de gasto",[4128,4129],{"type":582},{"type":335,"attrs":4130},{"color":3697},{"text":4132,"type":52,"marks":4133},". Fijar un presupuesto máximo para cada empleado en función de sus gastos, facilitará su control por la tesorería. ",[4134],{"type":335,"attrs":4135},{"color":3697},{"type":1241,"content":4137},[4138],{"type":61,"content":4139},[4140,4145,4151],{"text":4141,"type":52,"marks":4142},"Desarrollar ",[4143],{"type":335,"attrs":4144},{"color":3697},{"text":4146,"type":52,"marks":4147},"procesos reales de gestión",[4148,4149],{"type":582},{"type":335,"attrs":4150},{"color":3697},{"text":4152,"type":52,"marks":4153},". Tratar los gastos de la empresa requiere disciplina y rigor. Pero los procedimientos deben ser aplicables. Además, una vez definidos, deben ser respetados por todos. ",[4154],{"type":335,"attrs":4155},{"color":3697},{"type":1241,"content":4157},[4158],{"type":61,"content":4159},[4160,4165,4171],{"text":4161,"type":52,"marks":4162},"Imponer una ",[4163],{"type":335,"attrs":4164},{"color":3697},{"text":4166,"type":52,"marks":4167},"fecha límite para el reembolso",[4168,4169],{"type":582},{"type":335,"attrs":4170},{"color":3697},{"text":4172,"type":52,"marks":4173},". Se acabó estar enviando o recibiendo hojas de gastos continuamente. Establecer un período concreto al mes facilitará su gestión. ",[4174],{"type":335,"attrs":4175},{"color":3697},{"type":1241,"content":4177},[4178],{"type":61,"content":4179},[4180,4185,4191,4196,4205],{"text":4181,"type":52,"marks":4182},"Proporcionar un ",[4183],{"type":335,"attrs":4184},{"color":3697},{"text":4186,"type":52,"marks":4187},"método de pago adaptado",[4188,4189],{"type":582},{"type":335,"attrs":4190},{"color":3697},{"text":4192,"type":52,"marks":4193}," a cada empleado. Por ejemplo, una ",[4194],{"type":335,"attrs":4195},{"color":3697},{"text":4197,"type":52,"marks":4198},"tarjeta de pago virtual",[4199,4203],{"type":264,"attrs":4200},{"href":4201,"uuid":4202,"anchor":17,"target":1041,"linktype":362},"/blog/tarjetas-virtuales","647a22a2-0353-4dde-bbb0-e6ae9d19a142",{"type":335,"attrs":4204},{"color":3697},{"text":4206,"type":52,"marks":4207}," de un solo uso para las compras online, como un hotel o el billete de avión. Después, una tarjeta bancaria corporativa física para todos los gastos sobre el terreno.",[4208],{"type":335,"attrs":4209},{"color":3697},{"type":1241,"content":4211},[4212],{"type":61,"content":4213},[4214,4219,4225],{"text":4215,"type":52,"marks":4216},"Cazar a los ",[4217],{"type":335,"attrs":4218},{"color":3697},{"text":4220,"type":52,"marks":4221},"empleados defraudadores",[4222,4223],{"type":582},{"type":335,"attrs":4224},{"color":3697},{"text":4226,"type":52,"marks":4227},". Eliminando el informe de gastos con soluciones SaaS, estos gastos se verán reducidos. ",[4228],{"type":335,"attrs":4229},{"color":3697},{"type":1241,"content":4231},[4232],{"type":61,"content":4233},[4234,4240],{"text":4235,"type":52,"marks":4236},"Digitalizar la gestión de gastos",[4237,4238],{"type":582},{"type":335,"attrs":4239},{"color":3697},{"text":4241,"type":52,"marks":4242},". Todas las medidas se resumen en esta. Hoy ya es posible para todos los procesos: recuperación de facturas en tiempo real, solicitudes de compra, tarjetas virtuales…",[4243],{"type":335,"attrs":4244},{"color":3697},{"type":46,"attrs":4246,"content":4247},{"level":479},[4248],{"text":4249,"type":52,"marks":4250},"Establecer y comunicar la política de gastos",[4251],{"type":335,"attrs":4252},{"color":3795},{"type":61,"content":4254},[4255,4260,4266],{"text":4256,"type":52,"marks":4257},"Una buena política de gestión del gasto es aquella que permite el mejor uso posible de cada euro gastado. Tras racionalizarlos gastos, es momento de definirla claramente. Para ello, primero, conviene analizar todas las variables inherentes a la actividad de la empresa. ",[4258],{"type":335,"attrs":4259},{"color":3697},{"text":4261,"type":52,"marks":4262},"Calcular los gastos fijos y variables",[4263,4264],{"type":582},{"type":335,"attrs":4265},{"color":3697},{"text":4267,"type":52,"marks":4268}," previstos, así como las ganancias. Y claro, que el balance sea siempre positivo.",[4269],{"type":335,"attrs":4270},{"color":3697},{"type":61,"content":4272},[4273,4278,4284,4289,4298],{"text":4274,"type":52,"marks":4275},"Define",[4276],{"type":335,"attrs":4277},{"color":3697},{"text":4279,"type":52,"marks":4280}," el nivel de lujo y el presupuesto que deseas asignar",[4281,4282],{"type":582},{"type":335,"attrs":4283},{"color":3697},{"text":4285,"type":52,"marks":4286}," a cada partida de gasto. Por ejemplo, establece claramente qué categoría de hoteles pueden reservar tus empleados. Igual, las tarifas de viaje o ",[4287],{"type":335,"attrs":4288},{"color":3697},{"text":4290,"type":52,"marks":4291},"las dietas",[4292,4296],{"type":264,"attrs":4293},{"href":4294,"uuid":4295,"anchor":17,"target":1041,"linktype":362},"/blog/dietas-de-viaje","044dac70-466e-4b9c-85b5-c3155576cf18",{"type":335,"attrs":4297},{"color":3697},{"text":4299,"type":52,"marks":4300}," de comida. Ten en cuenta también, eso sí, una parte variable para cubrir imprevistos.",[4301],{"type":335,"attrs":4302},{"color":3697},{"type":61,"content":4304},[4305,4310,4316],{"text":4306,"type":52,"marks":4307},"Por último, es fundamental ",[4308],{"type":335,"attrs":4309},{"color":3697},{"text":4311,"type":52,"marks":4312},"comunicar a todos los empleados la política de gastos",[4313,4314],{"type":582},{"type":335,"attrs":4315},{"color":3697},{"text":4317,"type":52,"marks":4318}," de la empresa. De ello depende su eficacia y respeto. Tiene que tener un sitio destacado en los muros de la oficina o en la intranet. Y si es necesario, se le pueden añadir sanciones para castigar a los trabajadores que no la respeten o que intenten eludirla.",[4319],{"type":335,"attrs":4320},{"color":3697},{"type":46,"attrs":4322,"content":4323},{"level":387},[4324],{"text":4325,"type":52,"marks":4326},"La automatización, una solución innovadora y adaptada",[4327],{"type":335,"attrs":4328},{"color":3729},{"type":61,"content":4330},[4331,4336,4342],{"text":4332,"type":52,"marks":4333},"Ya lo hemos ido apuntando. Muchas soluciones permiten ahora gestionar todo el proceso de compra. Y esto desde la aprobación del gasto hasta el seguimiento contable de las facturas. Automatizando estas tareas, el ",[4334],{"type":335,"attrs":4335},{"color":3697},{"text":4337,"type":52,"marks":4338},"control de los gastos de la empresa",[4339,4340],{"type":582},{"type":335,"attrs":4341},{"color":3697},{"text":4343,"type":52,"marks":4344}," es mucho más fácil.",[4345],{"type":335,"attrs":4346},{"color":3697},{"type":61,"content":4348},[4349,4354,4363,4368,4374],{"text":4350,"type":52,"marks":4351},"Spendesk ofrece una solución ideal. Desde su ",[4352],{"type":335,"attrs":4353},{"color":3697},{"text":4355,"type":52,"marks":4356},"app de control de costes",[4357,4361],{"type":264,"attrs":4358},{"href":4359,"uuid":4360,"anchor":17,"target":1041,"linktype":362},"/expense-management-software","1c9f0a4a-55a7-46a3-aa93-4bd1ac73c52a",{"type":335,"attrs":4362},{"color":3697},{"text":4364,"type":52,"marks":4365}," se puede, por ejemplo, ",[4366],{"type":335,"attrs":4367},{"color":3697},{"text":4369,"type":52,"marks":4370},"establecer los umbrales de gasto y facilitar las autorizaciones",[4371,4372],{"type":582},{"type":335,"attrs":4373},{"color":3697},{"text":4375,"type":52,"marks":4376},". También permite enviar a contabilidad los justificantes o facturas digitalmente y de forma rápida. ¡Se pueden controlar los gastos en tiempo real!",[4377],{"type":335,"attrs":4378},{"color":3697},{"type":61,"content":4380},[4381,4386,4392,4397,4403,4408,4414],{"text":4382,"type":52,"marks":4383},"Una ",[4384],{"type":335,"attrs":4385},{"color":3697},{"text":4387,"type":52,"marks":4388},"tarjeta corporativa física y nominativa",[4389,4390],{"type":582},{"type":335,"attrs":4391},{"color":3697},{"text":4393,"type":52,"marks":4394}," es la mejor solución para los viajes de empresa. Además, esta solución permite fijar límites de gasto para cada viaje, incluso por días y horas. Para las compras por internet, las ",[4395],{"type":335,"attrs":4396},{"color":3697},{"text":4398,"type":52,"marks":4399},"tarjetas virtuales de un solo uso",[4400,4401],{"type":582},{"type":335,"attrs":4402},{"color":3697},{"text":4404,"type":52,"marks":4405}," ofrecen seguridad y transparencia. Al final de cada mes se envía un extracto completo a la empresa, así como al titular de la tarjeta. Así se obtiene una imagen clara de los ",[4406],{"type":335,"attrs":4407},{"color":3697},{"text":4409,"type":52,"marks":4410},"gastos de cada empleado",[4411,4412],{"type":582},{"type":335,"attrs":4413},{"color":3697},{"text":4080,"type":52,"marks":4415},[4416],{"type":335,"attrs":4417},{"color":3697},{"type":61,"content":4419},[4420,4425,4431,4436,4445],{"text":4421,"type":52,"marks":4422},"La gestión de los gastos no parece sencilla a primera vista. Sin embargo, la ",[4423],{"type":335,"attrs":4424},{"color":3697},{"text":4426,"type":52,"marks":4427},"desmaterialización aporta más seguridad, flexibilidad y control ",[4428,4429],{"type":582},{"type":335,"attrs":4430},{"color":3697},{"text":4432,"type":52,"marks":4433},"sobre ellos. También hace crecer la productividad y autonomía de los empleados. ¡Todo son ventajas! Así que a qué esperas para estar a la vanguardia. 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Este reglamento, conocido como Ley Crea y Crece, ",[4565],{"type":335,"attrs":4566},{"color":3697},{"text":4568,"type":52,"marks":4569},"impone la facturación electrónica a todas las empresas y autónomos",[4570,4572],{"type":335,"attrs":4571},{"color":3697},{"type":582},{"text":4574,"type":52,"marks":4575},". Sus objetivos principales: reducir la morosidad y digitalizar la economía. ",[4576],{"type":335,"attrs":4577},{"color":3697},{"type":46,"attrs":4579,"content":4580},{"level":387,"textAlign":17},[4581],{"text":4582,"type":52,"marks":4583},"Qué es y qué ventajas tiene la factura electrónica",[4584,4586],{"type":335,"attrs":4585},{"color":3729},{"type":582},{"type":61,"attrs":4588,"content":4589},{"textAlign":17},[4590,4595,4601],{"text":4591,"type":52,"marks":4592},"Independientemente del tipo de negocio que tengas, ",[4593],{"type":335,"attrs":4594},{"color":3697},{"text":4596,"type":52,"marks":4597},"la facturación es inevitable",[4598,4600],{"type":335,"attrs":4599},{"color":3697},{"type":582},{"text":4602,"type":52,"marks":4603},". Pagar, cobrar y guardar las facturas son tareas básicas. La digitalización facilita y agiliza todo el proceso. ",[4604],{"type":335,"attrs":4605},{"color":3697},{"type":46,"attrs":4607,"content":4608},{"level":479,"textAlign":17},[4609],{"text":4610,"type":52,"marks":4611},"La definición y cómo hacer una factura electrónica",[4612,4614],{"type":335,"attrs":4613},{"color":3795},{"type":582},{"type":61,"attrs":4616,"content":4617},{"textAlign":17},[4618,4622,4631,4636,4642],{"text":3876,"type":52,"marks":4619},[4620],{"type":335,"attrs":4621},{"color":3697},{"text":4623,"type":52,"marks":4624},"factura electrónica",[4625,4628,4630],{"type":264,"attrs":4626},{"href":4627,"uuid":17,"anchor":17,"target":17,"linktype":262},"https://www.facturae.gob.es/factura-electronica/Paginas/factura-electronica.aspx",{"type":335,"attrs":4629},{"color":4443},{"type":1568},{"text":4632,"type":52,"marks":4633}," o digital",[4634],{"type":335,"attrs":4635},{"color":3697},{"text":4637,"type":52,"marks":4638}," sustituye legal y fiscalmente a la factura en papel",[4639,4641],{"type":335,"attrs":4640},{"color":3697},{"type":582},{"text":4643,"type":52,"marks":4644},". Básicamente, se trata de un archivo de datos basado en Internet. Este archivo puede ser escaneado y procesado automáticamente por un programa informático. ",[4645],{"type":335,"attrs":4646},{"color":3697},{"type":61,"attrs":4648,"content":4649},{"textAlign":17},[4650],{"text":4651,"type":52,"marks":4652},"Una factura electrónica se considera un documento original válido si se cumplen las 3 condiciones siguientes:",[4653],{"type":335,"attrs":4654},{"color":3697},{"type":1238,"content":4656},[4657,4673,4689],{"type":1241,"content":4658},[4659],{"type":61,"attrs":4660,"content":4661},{"textAlign":17},[4662,4668],{"text":4663,"type":52,"marks":4664},"Formato de la factura",[4665,4667],{"type":335,"attrs":4666},{"color":3697},{"type":582},{"text":4669,"type":52,"marks":4670},": se requiere un formato digital estructurado (EDIFACT, XML, PDF, X12...).",[4671],{"type":335,"attrs":4672},{"color":3697},{"type":1241,"content":4674},[4675],{"type":61,"attrs":4676,"content":4677},{"textAlign":17},[4678,4684],{"text":4679,"type":52,"marks":4680},"Transmisión electrónica",[4681,4683],{"type":335,"attrs":4682},{"color":3697},{"type":582},{"text":4685,"type":52,"marks":4686},": se requiere una transmisión telemática. Debe partir de un ordenador y ser recogida por otro ordenador.",[4687],{"type":335,"attrs":4688},{"color":3697},{"type":1241,"content":4690},[4691],{"type":61,"attrs":4692,"content":4693},{"textAlign":17},[4694,4700],{"text":4695,"type":52,"marks":4696},"Legibilidad, integridad y autenticidad",[4697,4699],{"type":335,"attrs":4698},{"color":3697},{"type":582},{"text":4701,"type":52,"marks":4702},": el documento no puede ser modificado, lo que garantiza su integridad y autenticidad.",[4703],{"type":335,"attrs":4704},{"color":3697},{"type":61,"attrs":4706,"content":4707},{"textAlign":17},[4708,4713,4719],{"text":4709,"type":52,"marks":4710},"Para garantizar la implantación de la nueva Ley, la Administración dará acceso a una ",[4711],{"type":335,"attrs":4712},{"color":3697},{"text":4714,"type":52,"marks":4715},"plataforma básica desde la que crear las facturas",[4716,4718],{"type":335,"attrs":4717},{"color":3697},{"type":582},{"text":4720,"type":52,"marks":4721},". Todas las empresas, incluidas pymes y autónomos, podrán acceder a ella. Además, la tramitación podrá realizarse también a través de cualquiera de las plataformas privadas existentes.",[4722],{"type":335,"attrs":4723},{"color":3697},{"type":61,"attrs":4725,"content":4726},{"textAlign":17},[4727,4732,4738],{"text":4728,"type":52,"marks":4729},"Digitalizar las facturas no es un capricho. Sus ventajas son muchas, de ahí que España haya decidido hacerlas obligatorias. Tomemos el ejemplo de la ",[4730],{"type":335,"attrs":4731},{"color":3697},{"text":4733,"type":52,"marks":4734},"herramienta de Spendesk",[4735,4737],{"type":335,"attrs":4736},{"color":3697},{"type":582},{"text":4739,"type":52,"marks":4740}," para ver todas las ventajas:",[4741],{"type":335,"attrs":4742},{"color":3697},{"type":1238,"content":4744},[4745,4761,4777,4793,4814],{"type":1241,"content":4746},[4747],{"type":61,"attrs":4748,"content":4749},{"textAlign":17},[4750,4756],{"text":4751,"type":52,"marks":4752},"Procesos administrativos más eficaces",[4753,4755],{"type":335,"attrs":4754},{"color":3697},{"type":582},{"text":4757,"type":52,"marks":4758},". Los documentos se gestionan de forma directa y automática. Esta automatización reduce mucho el número de errores causados por la facturación manual.",[4759],{"type":335,"attrs":4760},{"color":3697},{"type":1241,"content":4762},[4763],{"type":61,"attrs":4764,"content":4765},{"textAlign":17},[4766,4772],{"text":4767,"type":52,"marks":4768},"Menor coste y más rapidez",[4769,4771],{"type":335,"attrs":4770},{"color":3697},{"type":582},{"text":4773,"type":52,"marks":4774},". El coste de emisión, envío y recepción de facturas se reduce drásticamente. Y como son procesos automáticos, se aceleran los tiempos de respuesta y en los pagos.",[4775],{"type":335,"attrs":4776},{"color":3697},{"type":1241,"content":4778},[4779],{"type":61,"attrs":4780,"content":4781},{"textAlign":17},[4782,4788],{"text":4783,"type":52,"marks":4784},"Seguridad en las comunicaciones.",[4785,4787],{"type":335,"attrs":4786},{"color":3697},{"type":582},{"text":4789,"type":52,"marks":4790}," La gestión de estos documentos a través de redes privadas o mediante protocolos dedicados garantiza una transmisión segura y confidencial.",[4791],{"type":335,"attrs":4792},{"color":3697},{"type":1241,"content":4794},[4795],{"type":61,"attrs":4796,"content":4797},{"textAlign":17},[4798,4803,4809],{"text":4799,"type":52,"marks":4800},"Integridad del documento. La emisión de ",[4801],{"type":335,"attrs":4802},{"color":3697},{"text":4804,"type":52,"marks":4805},"facturas con un certificado digital o firma electrónica",[4806,4808],{"type":335,"attrs":4807},{"color":3697},{"type":582},{"text":4810,"type":52,"marks":4811}," garantizan la integridad del contenido y la autenticidad.",[4812],{"type":335,"attrs":4813},{"color":3697},{"type":1241,"content":4815},[4816],{"type":61,"attrs":4817,"content":4818},{"textAlign":17},[4819,4825],{"text":4820,"type":52,"marks":4821},"Integración con los sistemas de gestión",[4822,4824],{"type":335,"attrs":4823},{"color":3697},{"type":582},{"text":4826,"type":52,"marks":4827},". La factura se registra automáticamente y sin intervención humana en el sistema de gestión interno de la empresa.",[4828],{"type":335,"attrs":4829},{"color":3697},{"type":339,"attrs":4831},{"id":4832,"body":4833},"d6fba958-bcd5-4ab7-a379-d195c0f1986b",[4834],{"_uid":4835,"html":4836,"component":3786},"i-31d14e55-21ef-4823-8c4c-b24f9789b9f5","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-108a08e6-3b66-44b9-930a-008ce5de457a\">\u003Cspan class=\"hs-cta-node hs-cta-108a08e6-3b66-44b9-930a-008ce5de457a\" id=\"hs-cta-108a08e6-3b66-44b9-930a-008ce5de457a\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/108a08e6-3b66-44b9-930a-008ce5de457a\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-108a08e6-3b66-44b9-930a-008ce5de457a\" style=\"border-width:0px;\" height=\"400\" width=\"1200\" src=\"https://no-cache.hubspot.com/cta/default/2694209/108a08e6-3b66-44b9-930a-008ce5de457a.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '108a08e6-3b66-44b9-930a-008ce5de457a', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":46,"attrs":4838,"content":4839},{"level":387,"textAlign":17},[4840],{"text":4841,"type":52,"marks":4842},"¿Cuándo serán obligatorias las facturas electrónicas?",[4843,4845],{"type":335,"attrs":4844},{"color":3729},{"type":582},{"type":61,"attrs":4847,"content":4848},{"textAlign":17},[4849,4854,4860],{"text":4850,"type":52,"marks":4851},"Una vez aprobada, la Ley está ahora en la fase de su desarrollo reglamentario. La norma definitiva debe publicarse antes de mitad del año 2023. A partir de entonces, las empresas dispondrán de uno o dos años de transición según su facturación anual. Este es el ",[4852],{"type":335,"attrs":4853},{"color":3697},{"text":4855,"type":52,"marks":4856},"calendario de aplicación obligatorio",[4857,4859],{"type":335,"attrs":4858},{"color":3697},{"type":582},{"text":1693,"type":52,"marks":4861},[4862],{"type":335,"attrs":4863},{"color":3697},{"type":1238,"content":4865},[4866,4876],{"type":1241,"content":4867},[4868],{"type":61,"attrs":4869,"content":4870},{"textAlign":17},[4871],{"text":4872,"type":52,"marks":4873},"a partir del verano de 2024, las grandes empresas con más de 8 millones de euros de facturación anual;",[4874],{"type":335,"attrs":4875},{"color":3697},{"type":1241,"content":4877},[4878],{"type":61,"attrs":4879,"content":4880},{"textAlign":17},[4881],{"text":4882,"type":52,"marks":4883},"a partir del verano de 2025,  el resto de empresas y autónomos.",[4884],{"type":335,"attrs":4885},{"color":3697},{"type":61,"attrs":4887,"content":4888},{"textAlign":17},[4889,4894,4900,4905,4914],{"text":4890,"type":52,"marks":4891},"Lógicamente, las grandes estructuras puedan implementar rápidamente los cambios necesarios para cumplir. Por su parte, el Gobierno da más tiempo a las pequeñas empresas para las que supondrá un mayor esfuerzo. También ha publicado unas ",[4892],{"type":335,"attrs":4893},{"color":3697},{"text":4895,"type":52,"marks":4896},"ayudas para facilitar su digitalización",[4897,4899],{"type":335,"attrs":4898},{"color":3697},{"type":582},{"text":4901,"type":52,"marks":4902},", el llamado ",[4903],{"type":335,"attrs":4904},{"color":3697},{"text":4906,"type":52,"marks":4907},"Programa Digital Toolkit",[4908,4911,4913],{"type":264,"attrs":4909},{"href":4910,"uuid":17,"anchor":17,"target":17,"linktype":262},"https://acelerapyme.gob.es/kit-digital",{"type":335,"attrs":4912},{"color":4443},{"type":1568},{"text":2195,"type":52,"marks":4915},[4916],{"type":335,"attrs":4917},{"color":3697},{"type":46,"attrs":4919,"content":4920},{"level":387,"textAlign":17},[4921],{"text":4922,"type":52,"marks":4923},"1 - Equiparse con un programa de facturación electrónica",[4924,4926],{"type":335,"attrs":4925},{"color":3729},{"type":582},{"type":61,"attrs":4928,"content":4929},{"textAlign":17},[4930,4935,4941],{"text":4931,"type":52,"marks":4932},"No sólo hay clientes, sino también proveedores. El volumen de facturas suele ser enorme. Por eso, es necesario adquirir una solución informática adaptada a tus necesidades. Te ayudarán no solo a emitir tus facturas electrónicas, sino también a ",[4933],{"type":335,"attrs":4934},{"color":3697},{"text":4936,"type":52,"marks":4937},"procesar las de proveedores y prestadores",[4938,4940],{"type":335,"attrs":4939},{"color":3697},{"type":582},{"text":4942,"type":52,"marks":4943}," de servicios. ",[4944],{"type":335,"attrs":4945},{"color":3697},{"type":61,"attrs":4947,"content":4948},{"textAlign":17},[4949,4954,4960,4970,4976],{"text":4950,"type":52,"marks":4951},"Las facturas digitales están compuestas de datos estructurados que sólo pueden leerlos programas informáticos. Un ",[4952],{"type":335,"attrs":4953},{"color":3697},{"text":4955,"type":52,"marks":4956},"software de ",[4957,4959],{"type":335,"attrs":4958},{"color":3697},{"type":582},{"text":4961,"type":52,"marks":4962},"gestión de facturas",[4963,4967,4969],{"type":264,"attrs":4964},{"href":4965,"uuid":4966,"anchor":17,"target":1041,"linktype":362},"/blog/gestion-de-facturas","c6a55405-3d30-451e-8121-9d552267c43b",{"type":335,"attrs":4968},{"color":3697},{"type":582},{"text":4971,"type":52,"marks":4972}," electrónicas",[4973,4975],{"type":335,"attrs":4974},{"color":3697},{"type":582},{"text":4977,"type":52,"marks":4978}," es así obligatorio para la comunicación con las aplicaciones informáticas utilizadas por otras empresas o administraciones públicas. ",[4979],{"type":335,"attrs":4980},{"color":3697},{"type":46,"attrs":4982,"content":4983},{"level":387,"textAlign":17},[4984],{"text":4985,"type":52,"marks":4986},"2 - Familiarizarse con la plataforma pública de factura electrónica",[4987,4989],{"type":335,"attrs":4988},{"color":3729},{"type":582},{"type":61,"attrs":4991,"content":4992},{"textAlign":17},[4993,4998,5004,5009,5018],{"text":4994,"type":52,"marks":4995},"Desde 2015 es obligatoria la facturación digital en la contratación pública. Actualmente, la ",[4996],{"type":335,"attrs":4997},{"color":3697},{"text":4999,"type":52,"marks":5000},"tramitación de cualquier factura con una Administración Pública",[5001,5003],{"type":335,"attrs":5002},{"color":3697},{"type":582},{"text":5005,"type":52,"marks":5006}," hay que hacerla a través de ",[5007],{"type":335,"attrs":5008},{"color":3697},{"text":5010,"type":52,"marks":5011},"FACe, el Punto General de Entradas de Facturas Electrónicas",[5012,5015,5017],{"type":264,"attrs":5013},{"href":5014,"uuid":17,"anchor":17,"target":17,"linktype":262},"https://face.gob.es/es",{"type":335,"attrs":5016},{"color":4443},{"type":1568},{"text":5019,"type":52,"marks":5020},". Familiariza tu contabilidad con esta plataforma.",[5021],{"type":335,"attrs":5022},{"color":3697},{"type":61,"attrs":5024,"content":5025},{"textAlign":17},[5026,5031,5040],{"text":5027,"type":52,"marks":5028},"Ten en cuenta también que hay otras plataformas y empresas de servicios de facturación electrónica. El Gobierno ofrece un ",[5029],{"type":335,"attrs":5030},{"color":3697},{"text":5032,"type":52,"marks":5033},"directorio verificado de proveedores",[5034,5037,5039],{"type":264,"attrs":5035},{"href":5036,"uuid":17,"anchor":17,"target":17,"linktype":262},"https://face.gob.es/es/proveedores-servicios",{"type":335,"attrs":5038},{"color":4443},{"type":1568},{"text":5041,"type":52,"marks":5042}," a través de su página de FACe.",[5043],{"type":335,"attrs":5044},{"color":3697},{"type":46,"attrs":5046,"content":5047},{"level":387,"textAlign":17},[5048],{"text":5049,"type":52,"marks":5050},"3 - Proteger los datos de facturación electrónica",[5051,5053],{"type":335,"attrs":5052},{"color":3729},{"type":582},{"type":61,"attrs":5055,"content":5056},{"textAlign":17},[5057,5062,5069,5074,5080],{"text":5058,"type":52,"marks":5059},"La digitalización de los procesos convierte la seguridad en una cuestión primordial. Toda transacción, ",[5060],{"type":335,"attrs":5061},{"color":3697},{"text":5063,"type":52,"marks":5064},"hoja de gasto",[5065,5067],{"type":264,"attrs":5066},{"href":3742,"uuid":3743,"anchor":17,"target":1041,"linktype":362},{"type":335,"attrs":5068},{"color":3697},{"text":5070,"type":52,"marks":5071},", compra, reembolso, crea unos datos que hay que proteger. Disponer de un entorno optimizado para el uso diario y seguro es la primera barrera para ",[5072],{"type":335,"attrs":5073},{"color":3697},{"text":5075,"type":52,"marks":5076},"evitar el fraude en las facturas",[5077,5079],{"type":335,"attrs":5078},{"color":3697},{"type":582},{"text":2195,"type":52,"marks":5081},[5082],{"type":335,"attrs":5083},{"color":3697},{"type":61,"attrs":5085,"content":5086},{"textAlign":17},[5087,5092,5097],{"text":5088,"type":52,"marks":5089},"Sólo en 2021, se estima que la ciberdelincuencia costó a las empresas de todo el mundo más de 6 billones de euros. En ",[5090],{"type":335,"attrs":5091},{"color":3697},{"text":5093,"type":52,"marks":5094},"España no paran de crecer los ciberataques",[5095],{"type":335,"attrs":5096},{"color":4443},{"text":5098,"type":52,"marks":5099}," y otras transacciones electrónicas fraudulentas. Por tanto, formar a los equipos sobre vigilancia es cada vez más esencial para el éxito de la transformación de la actividad hacia las herramientas digitales.",[5100],{"type":335,"attrs":5101},{"color":3697},{"type":61,"attrs":5103,"content":5104},{"textAlign":17},[5105,5110,5116,5121,5130],{"text":5106,"type":52,"marks":5107},"Existen métodos y herramientas para reforzar la seguridad. Spendesk, por ejemplo, está equipado de un ",[5108],{"type":335,"attrs":5109},{"color":3697},{"text":5111,"type":52,"marks":5112},"algoritmo de detección del fraude",[5113,5115],{"type":335,"attrs":5114},{"color":3697},{"type":582},{"text":5117,"type":52,"marks":5118},". Además, el acceso a la plataforma está altamente protegido. También el Gobierno dispone de ",[5119],{"type":335,"attrs":5120},{"color":3697},{"text":5122,"type":52,"marks":5123},"una plataforma de autentificación",[5124,5127,5129],{"type":264,"attrs":5125},{"href":5126,"uuid":17,"anchor":17,"target":17,"linktype":262},"https://sede.mjusticia.gob.es/en/informacion-ayuda/certificado-digital",{"type":335,"attrs":5128},{"color":4443},{"type":1568},{"text":5131,"type":52,"marks":5132}," de la firma y certificados digitales. ",[5133],{"type":335,"attrs":5134},{"color":3697},{"type":46,"attrs":5136,"content":5137},{"level":387,"textAlign":17},[5138],{"text":5139,"type":52,"marks":5140},"4 - Realizar una auditoría de conformidad ",[5141,5143],{"type":335,"attrs":5142},{"color":3729},{"type":582},{"type":61,"attrs":5145,"content":5146},{"textAlign":17},[5147],{"text":5148,"type":52,"marks":5149},"La transición a la facturación electrónica puede tener lugar en diferentes momentos. También el grado de complejidad de la implantación depende del tamaño de la organización. Por eso, vigila que tus equipos financieros están preparados y completan toda la información necesaria.",[5150],{"type":335,"attrs":5151},{"color":3697},{"type":61,"attrs":5153,"content":5154},{"textAlign":17},[5155,5160,5166],{"text":5156,"type":52,"marks":5157},"Una auditoría de conformidad ayudará a controlar que el proceso se hace bien, incluida su conservación. En particular, es importante garantizar la presencia de la ",[5158],{"type":335,"attrs":5159},{"color":3697},{"text":5161,"type":52,"marks":5162},"información obligatoria en la facturación electrónica",[5163,5165],{"type":335,"attrs":5164},{"color":3697},{"type":582},{"text":1693,"type":52,"marks":5167},[5168],{"type":335,"attrs":5169},{"color":3697},{"type":1238,"content":5171},[5172,5182,5192,5202,5212,5222,5232,5242],{"type":1241,"content":5173},[5174],{"type":61,"attrs":5175,"content":5176},{"textAlign":17},[5177],{"text":5178,"type":52,"marks":5179},"el número de la factura;",[5180],{"type":335,"attrs":5181},{"color":3697},{"type":1241,"content":5183},[5184],{"type":61,"attrs":5185,"content":5186},{"textAlign":17},[5187],{"text":5188,"type":52,"marks":5189},"la fecha de la expedición (y si es distinta, también la fecha de la operación);",[5190],{"type":335,"attrs":5191},{"color":3697},{"type":1241,"content":5193},[5194],{"type":61,"attrs":5195,"content":5196},{"textAlign":17},[5197],{"text":5198,"type":52,"marks":5199},"el nombre o denominación social tanto del emisor como del receptor de la factura;",[5200],{"type":335,"attrs":5201},{"color":3697},{"type":1241,"content":5203},[5204],{"type":61,"attrs":5205,"content":5206},{"textAlign":17},[5207],{"text":5208,"type":52,"marks":5209},"el NIF o número de identificación fiscal;",[5210],{"type":335,"attrs":5211},{"color":3697},{"type":1241,"content":5213},[5214],{"type":61,"attrs":5215,"content":5216},{"textAlign":17},[5217],{"text":5218,"type":52,"marks":5219},"la dirección de tu empresa y la del cliente o proveedor;",[5220],{"type":335,"attrs":5221},{"color":3697},{"type":1241,"content":5223},[5224],{"type":61,"attrs":5225,"content":5226},{"textAlign":17},[5227],{"text":5228,"type":52,"marks":5229},"la naturaleza de la transacción (bienes, servicios o ambos);",[5230],{"type":335,"attrs":5231},{"color":3697},{"type":1241,"content":5233},[5234],{"type":61,"attrs":5235,"content":5236},{"textAlign":17},[5237],{"text":5238,"type":52,"marks":5239},"el importe total sin IVA;",[5240],{"type":335,"attrs":5241},{"color":3697},{"type":1241,"content":5243},[5244],{"type":61,"attrs":5245,"content":5246},{"textAlign":17},[5247],{"text":5248,"type":52,"marks":5249},"el tipo impositivo que se aplica, así como la cuota tributaria.",[5250],{"type":335,"attrs":5251},{"color":3697},{"type":46,"attrs":5253,"content":5254},{"level":387,"textAlign":17},[5255],{"text":5256,"type":52,"marks":5257},"5 - Implantar procesos y herramientas de reporting",[5258,5260],{"type":335,"attrs":5259},{"color":3729},{"type":582},{"type":61,"attrs":5262,"content":5263},{"textAlign":17},[5264,5269,5275],{"text":5265,"type":52,"marks":5266},"El reporting es la ",[5267],{"type":335,"attrs":5268},{"color":3697},{"text":5270,"type":52,"marks":5271},"elaboración de informes sobre la empresa",[5272,5274],{"type":335,"attrs":5273},{"color":3697},{"type":582},{"text":5276,"type":52,"marks":5277}," gracias a herramientas informáticas. Y ello a partir de cualquier dato disponible y en cualquier departamento. La facturación electrónica es una oportunidad para dotarse o seguir beneficiándose de estas herramientas de análisis avanzadas. ",[5278],{"type":335,"attrs":5279},{"color":3697},{"type":61,"attrs":5281,"content":5282},{"textAlign":17},[5283,5288,5294],{"text":5284,"type":52,"marks":5285},"La digitalización contable mejora la calidad de tus informes y al mismo tiempo combina cumplimiento y optimización. Efectivamente, todas las ",[5286],{"type":335,"attrs":5287},{"color":3697},{"text":5289,"type":52,"marks":5290},"transacciones sujetas al IVA deben declararse telemáticamente",[5291,5293],{"type":335,"attrs":5292},{"color":3697},{"type":582},{"text":5295,"type":52,"marks":5296}," a las autoridades financieras. 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Su función es mejorar la trazabilidad y ordenar el proceso desde la solicitud o el pago hasta la revisión contable.",{"_uid":7692,"title":7693,"component":2689,"description":7694},"502ec7fe-536f-4fc2-a8f8-1a798b68903e","¿Qué diferencia hay entre una tarjeta corporativa de crédito y una tarjeta prepago o de débito?",{"type":43,"content":7695},[7696],{"type":61,"attrs":7697,"content":7698},{"textAlign":17},[7699],{"text":7700,"type":52},"La tarjeta de crédito utiliza una línea de crédito y permite aplazar el pago según las condiciones de la entidad emisora. Las tarjetas prepago o de débito no funcionan necesariamente con ese mismo esquema de financiación. La opción adecuada depende de la tesorería, los controles y las necesidades operativas de la empresa.",{"_uid":7702,"title":7703,"component":2689,"description":7704},"e22f8085-0e57-4ced-bde0-8ae2f7fb6b5d","¿Qué debe incluir una política de gastos?",{"type":43,"content":7705},[7706],{"type":61,"attrs":7707,"content":7708},{"textAlign":17},[7709],{"text":7710,"type":52},"Debe indicar quién puede utilizar una tarjeta, qué compras están permitidas, qué límites se aplican, qué gastos necesitan aprobación y qué justificantes deben aportarse. También conviene definir cómo se gestionan las excepciones y los gastos no previstos.",{"_uid":7712,"title":7713,"component":2689,"description":7714},"c7944eda-a63e-4b02-9c6f-234c7bba0723","¿Cómo puede ayudar Spendesk a gestionar un programa de tarjetas corporativas?",{"type":43,"content":7715},[7716],{"type":61,"attrs":7717,"content":7718},{"textAlign":17},[7719],{"text":7720,"type":52},"Spendesk reúne tarjetas físicas y virtuales con controles de gasto, flujos de aprobación y funciones para capturar y organizar justificantes. También puede preparar información para los procesos contables, según las integraciones y la configuración contratada. La empresa mantiene la responsabilidad de revisar el tratamiento fiscal y contable de sus operaciones.",{"_uid":7722,"title":7723,"component":2689,"description":7724},"313cd4a4-0744-4702-af66-f35044951477","¿Por dónde empezar a implantar un programa de tarjetas corporativas?",{"type":43,"content":7725},[7726],{"type":61,"attrs":7727,"content":7728},{"textAlign":17},[7729],{"text":7730,"type":52},"Lo recomendable es comenzar con un piloto, definir la política, configurar los límites y aprobaciones, emitir las tarjetas necesarias y revisar las primeras transacciones. Después se puede ajustar el proceso y ampliarlo progresivamente al resto de la empresa.",[7732],{"cta":7733,"_uid":7734,"title":7735,"eyebrow":7741,"subtitle":7746,"component":46,"textAlign":18,"flexibleSection":7751,"sectionSettings":7752,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"640c60ad-95b2-4a5d-90f7-4b365398c50d",{"type":43,"content":7736},[7737],{"type":46,"attrs":7738,"content":7739},{"level":387,"textAlign":17},[7740],{"text":1048,"type":52},{"type":43,"content":7742},[7743],{"type":61,"attrs":7744,"content":7745},{"textAlign":17},[],{"type":43,"content":7747},[7748],{"type":61,"attrs":7749,"content":7750},{"textAlign":17},[],[],[],"programa-de-tarjetas-corporativas","es/blog/programa-de-tarjetas-corporativas",-3440,[],"1762209a-287f-4042-bf28-979a2dd1a50f","2026-09-14T09:05:48.327Z",[],"blog/programa-de-tarjetas-corporativas",[7762,7763,7764],{"path":7760,"name":17,"lang":123,"published":17},{"path":7760,"name":17,"lang":125,"published":17},{"path":7760,"name":17,"lang":118,"published":17},{"name":7766,"created_at":7767,"published_at":7768,"updated_at":7769,"id":7770,"uuid":7771,"content":7772,"slug":7885,"full_slug":7886,"sort_by_date":17,"position":7887,"tag_list":7888,"is_startpage":14,"parent_id":1389,"meta_data":17,"group_id":7889,"first_published_at":7890,"release_id":17,"lang":118,"path":17,"alternates":7891,"default_full_slug":7892,"translated_slugs":7893},"Cómo reducir gastos en una empresa pequeña sin frenar el crecimiento","2026-09-07T10:54:05.115Z","2026-09-10T13:39:58.512Z","2026-09-10T13:39:58.538Z",217451909640019,"23773bb8-6ff6-4dcf-b4a2-c69287f3f351",{"_uid":7773,"title":7766,"topics":7774,"noIndex":14,"category":7775,"language":7784,"component":1306,"heroMedia":7785,"metaTitle":7786,"publishedAt":7787,"readingTime":7788,"redirectUrl":18,"listingImage":7789,"metaDescription":7797,"bottomArticleCta":7798,"componentsAfterTheArticle":7799},"d474860b-554f-40ab-9b6a-15f444c2d569",[],{"name":1294,"created_at":1295,"published_at":104,"updated_at":1296,"id":1297,"uuid":1298,"content":7776,"slug":1306,"full_slug":1307,"sort_by_date":17,"position":138,"tag_list":7778,"is_startpage":14,"parent_id":1309,"meta_data":17,"group_id":1310,"first_published_at":1311,"release_id":17,"lang":118,"path":17,"alternates":7779,"default_full_slug":1313,"translated_slugs":7780,"_stopResolving":127},{"_uid":1300,"icon":7777,"name":1294,"component":1305},{"id":1302,"alt":1303,"name":18,"focus":18,"title":18,"filename":1304,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[7781,7782,7783],{"path":1313,"name":17,"lang":123,"published":17},{"path":1313,"name":17,"lang":125,"published":17},{"path":1313,"name":17,"lang":118,"published":17},[118],[],"Cómo reducir gastos en una empresa pequeña sin frenar el cre","2026-08-26 00:00","10",[7790],{"_uid":7791,"link":7792,"asset":7793,"caption":18,"component":367},"27d4d3cc-2805-4ef2-9db2-98e1b7435eb7",{"id":18,"url":18,"linktype":362,"fieldtype":263,"cached_url":363,"prep":127},{"id":7794,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":7795,"copyright":18,"fieldtype":19,"meta_data":7796,"is_external_url":14},218554254947338,"https://a.storyblok.com/f/146026/1672x941/7c9d551f19/como-reducir-gastos-empresa-pequena.png",{"size":7385},"Descubre cómo mejorar el control de gastos en una empresa pequeña con visibilidad, políticas y automatización, sin frenar el crecimiento.",[],[7800],{"_uid":7801,"items":7802,"heading":7863,"component":2926},"c46464d6-d2ea-4168-bdff-d9f6baa45696",[7803,7813,7823,7833,7843,7853],{"_uid":7804,"title":7805,"component":2689,"description":7806},"f5e8b325-181a-4eab-a8b8-2dd8ef71a70b","¿Qué tipos de gastos debería vigilar una empresa pequeña?",{"type":43,"content":7807},[7808],{"type":61,"attrs":7809,"content":7810},{"textAlign":17},[7811],{"text":7812,"type":52},"Conviene revisar los gastos fijos y recurrentes, como las suscripciones, los servicios externos y los contratos, junto con los gastos variables, como viajes, compras puntuales y reembolsos. La revisión debe centrarse en el uso, el coste y la contribución de cada partida.",{"_uid":7814,"title":7815,"component":2689,"description":7816},"4cd163a8-1744-49bd-984c-804f46006c58","¿Cómo puedo crear una política de gastos sencilla para mi equipo?",{"type":43,"content":7817},[7818],{"type":61,"attrs":7819,"content":7820},{"textAlign":17},[7821],{"text":7822,"type":52},"Define qué gastos están permitidos, quién puede realizarlos, qué límites se aplican y qué documentación debe aportarse. La política debe ser breve, fácil de consultar y coherente con los procesos de aprobación de la empresa.",{"_uid":7824,"title":7825,"component":2689,"description":7826},"b793b297-23a0-4b4b-adac-c49c4f5822ad","¿Cómo ayudan las tarjetas de empresa con límites a controlar el gasto?",{"type":43,"content":7827},[7828],{"type":61,"attrs":7829,"content":7830},{"textAlign":17},[7831],{"text":7832,"type":52},"Permiten asignar medios de pago a personas, equipos o usos concretos y establecer reglas de gasto. De este modo, la empresa puede ofrecer autonomía sin depender de una tarjeta compartida y conservar más información sobre cada operación.",{"_uid":7834,"title":7835,"component":2689,"description":7836},"d5bda4a3-f968-4c9c-b0da-2424d0cf11d0","¿Qué son los costes ocultos y cómo se detectan?",{"type":43,"content":7837},[7838],{"type":61,"attrs":7839,"content":7840},{"textAlign":17},[7841],{"text":7842,"type":52},"Son gastos que pasan desapercibidos porque están repartidos entre distintos proveedores, tarjetas o equipos. Pueden incluir suscripciones duplicadas, servicios poco utilizados, renovaciones no revisadas o tareas manuales que consumen tiempo. Para detectarlos, reúne la información y revisa periódicamente los proveedores, las categorías y los contratos.",{"_uid":7844,"title":7845,"component":2689,"description":7846},"3848c13b-31f3-48a7-a6c2-56e21729f332","¿Cada cuánto debería revisar los gastos de la empresa?",{"type":43,"content":7847},[7848],{"type":61,"attrs":7849,"content":7850},{"textAlign":17},[7851],{"text":7852,"type":52},"La frecuencia depende del volumen y de la complejidad del gasto. Conviene realizar un seguimiento periódico del presupuesto y programar revisiones específicas para suscripciones, proveedores y categorías con mayor riesgo de desviación.",{"_uid":7854,"title":7855,"component":2689,"description":7856},"8fac8245-7026-4cf6-9f52-a137f0028bd2","¿Puede Spendesk ayudar a controlar los gastos de una empresa pequeña?",{"type":43,"content":7857},[7858],{"type":61,"attrs":7859,"content":7860},{"textAlign":17},[7861],{"text":7862,"type":52},"Spendesk puede ayudar a centralizar tarjetas, gastos, justificantes y aprobaciones en una única plataforma. También permite organizar la información y preparar determinados datos para los procesos financieros, según la configuración disponible. La empresa sigue siendo responsable de definir sus políticas y revisar el tratamiento contable o fiscal que corresponda.",[7864],{"cta":7865,"_uid":7866,"title":7867,"eyebrow":7873,"subtitle":7878,"component":46,"textAlign":18,"flexibleSection":7883,"sectionSettings":7884,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"6606771b-bf0b-4858-b568-51d131a81ccf",{"type":43,"content":7868},[7869],{"type":46,"attrs":7870,"content":7871},{"level":387,"textAlign":17},[7872],{"text":1048,"type":52},{"type":43,"content":7874},[7875],{"type":61,"attrs":7876,"content":7877},{"textAlign":17},[],{"type":43,"content":7879},[7880],{"type":61,"attrs":7881,"content":7882},{"textAlign":17},[],[],[],"como-reducir-gastos-empresa-pequena","es/blog/como-reducir-gastos-empresa-pequena",-3280,[],"c901d782-f217-4052-8c7c-81cd7c60104a","2026-09-07T10:54:05.185Z",[],"blog/como-reducir-gastos-empresa-pequena",[7894,7895,7896],{"path":7892,"name":17,"lang":123,"published":17},{"path":7892,"name":17,"lang":125,"published":17},{"path":7892,"name":17,"lang":118,"published":17},"97",1791561348559]