Navan launched Expense Chat, a new AI agent designed to eliminate manual out-of-pocket expense submissions. The agent brings the ?swipe and done? simplicity of Navan?s corporate card transactions to the messiest part of the expense process: situations that require business travelers to manually submit transactions.
Navan has already mastered the touchless experience for corporate card transactions, with over 70% of transactions requiring zero manual intervention in the last year. But out-of-pocket spend is still a reality for business travelers, whether due to lack of corporate card access, mileage reimbursements, or paying cash-only merchants. Historically, these scenarios have required users to manually add receipts to expense reports, an outlier in an otherwise digital experience.
Navan Expense Chat aims to close this gap by replacing tedious filing with a simple conversation. Users can input mileage reimbursements or drop multiple receipt images into the chat at once; the agent instantly extracts merchant data, auto-codes the specifics, and asks for missing information. Travelers can use natural language to give context and refine entries, such as marking part of a purchase as personal or applying project codes to multiple purchases at once, before the agent submits on their behalf.
Data from the initial phased rollout confirms that users are ready to abandon tedious forms for AI. The Navan Expense Chat saw substantial week-over-week growth in user adoption, with a Customer Satisfaction Score (CSAT) of 94 out of 100 during the beta phase. One user successfully submitted 27 receipts in just 70 seconds ?
an average of 2.6 seconds per receipt. This shift represents the true promise of AI: the elimination of the ?administrative tax? on a person?s time.
Navan is leveraging agentic workflows to automate the repetitive logistics of business travel. By understanding the nuance of traveler intent, Navan is enabling users to finally forget about their expense reporting and focus on the work that matters. Expense Chat is currently available for US-based customers.
