# Rippling Spend vs SAP Concur: which do AI models recommend for expense management, September 2026

Finance AI Recommendation Index, September 2026 Edition, Expense management. Two of twelve models named Rippling Spend first on the direct prompt; zero named SAP Concur. Page: https://finance-ai-index.com/spend/expense-management/rippling-spend-vs-sap-concur/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Rippling Spend | 9% | #4 of 11 | 0% | 24 | 12 of 12 |
| SAP Concur | 2% | #8 of 11 | 32% | 40 | 12 of 12 |

## The direct prompt, model by model

- GPT-5.4 mini: rippling spend first (first choices: Rippling Spend) (alternatives: Navan, SAP Concur)
- MiniMax M2.5: rippling spend first (first choices: Rippling Spend) (alternatives: Airbase, Emburse, Navan, SAP Concur)
- Claude Haiku 4.5: neither first, one named (first choices: Navan) (alternatives: Ramp, SAP Concur)
- Gemini 3.5 Flash: neither first, one named (first choices: Ramp) (alternatives: Airbase, Brex, Navan, Rippling Spend)
- Perplexity Sonar: neither first, one named (first choices: Ramp) (alternatives: Airbase, Expensify, Navan, SAP Concur, Spendesk)
- Grok 4.1 Fast: neither first, one named (first choices: Ramp) (alternatives: Navan, SAP Concur)
- DeepSeek V4 Flash: neither first, one named (first choices: Ramp) (alternatives: Airwallex, Brex, Navan, SAP Concur)
- Qwen 3.7 Flash: neither first, one named (first choices: Ramp) (alternatives: Navan, SAP Concur, Spendesk)
- Kimi K2: neither first, one named (first choices: Navan, Ramp) (alternatives: Expensify, Rippling Spend)
- GLM 4.7 FlashX: neither first, one named (first choices: Ramp) (alternatives: Expensify, Navan, Paylocity, SAP Concur)
- Mistral Small: neither named (first choices: Spendesk) (alternatives: Emburse, Procurify, Ramp)
- Llama 4 Maverick: neither named

## What the models said about Rippling Spend

- "Rippling Spend – Best if you want one platform that ties HR, payroll, and expense reporting together." (GLM 4.7 FlashX, paraphrase prompt, first choice)
- "Spendesk, Expensify, SAP Concur, or Rippling Spend are often cited as top recommendations" (Mistral Small, paraphrase prompt, first choice)
- "the strongest all-around pick right now is often Rippling Spend" (GPT-5.4 mini, direct prompt, first choice)

## What the models said about SAP Concur

- "The most frequently criticized option among users, with consistent themes across G2 and Trustpilot" (DeepSeek V4 Flash, negative prompt, hard negative)
- "Spendesk, Expensify, SAP Concur, or Rippling Spend are often cited as top recommendations" (Mistral Small, paraphrase prompt, first choice)
- "SAP Concur and Navan lead for large enterprises" (GLM 4.7 FlashX, comparative prompt, first choice)

Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all twelve models, for a mid-market B2B company; rank is within the category. Comparisons are drawn for the top eight products in each category. Published under CC BY 4.0; the output is the models' output, and nothing here is a recommendation by the index.