{"id":3015,"date":"2017-05-11T20:29:38","date_gmt":"2017-05-11T20:29:38","guid":{"rendered":"https:\/\/www.peeriosity.com\/shared-services\/articles\/?p=3015"},"modified":"2022-09-06T22:24:52","modified_gmt":"2022-09-06T22:24:52","slug":"driving-global-travel-card-process-standardization","status":"publish","type":"post","link":"https:\/\/www.peeriosity.com\/shared-services\/articles\/2017\/05\/driving-global-travel-card-process-standardization\/","title":{"rendered":"Driving Global Travel Card Process Standardization"},"content":{"rendered":"<p><span style=\"font-size: medium;\"><strong>Introduction<\/strong><\/span><\/p>\n<p><span style=\"font-size: medium;\">As more companies transition to global designs for Shared Services, one of the most significant impacts is on the business travel process, where the majority of employees most impacted are typically either upper management or are otherwise directly involved in sales and marketing efforts.\u00a0\u00a0 As these employees shift from one region or business unit to another, having consistent processes for travel bookings and expense reimbursements is an important consideration.\u00a0 Yes, there is the impact of reducing expense report processing costs, but the greater benefit comes from making life easier for travelers so that they can focus on revenue-generating activities.<\/span><\/p>\n<p><span style=\"font-size: medium;\">The good news is that with the move to <a href=\"https:\/\/www.peeriosity.com\/shared-services\/articles\/2012\/06\/single-or-multiple-instance-erp%e2%80%99s-for-global-shared-services\/\">global ERPs<\/a> and the use of sophisticated travel and expense management software (with Concur the most popular), more companies are able to successfully make the transition to a <a href=\"https:\/\/www.peeriosity.com\/shared-services\/articles\/2017\/09\/performing-travel-and-expense-globally-on-one-system-instance\/\">global design<\/a>.\u00a0 Yet with all of the success, smoothly making the transition has its challenges, with a number of barriers and obstacles to either overcome or, in the case of the country or local tax or legal regulations, to ensure you are in compliance.<\/span><\/p>\n<p><span style=\"font-size: medium;\"><strong>Company Experience<\/strong><\/span><\/p>\n<p><span style=\"font-size: medium;\">During a recent Peeriosity Peercast<sup>TM<\/sup>, a global manufacturing company with over $25B in annual revenue discussed their approach to implementing a <a href=\"https:\/\/www.peeriosity.com\/shared-services\/articles\/category\/corporate-card\/\">global travel card<\/a>.\u00a0 Some of the key enterprise standards cited as important considerations include:<\/span><\/p>\n<ul>\n<li><span style=\"font-size: medium;\">Corporate Liability<\/span><\/li>\n<li><span style=\"font-size: medium;\">Individual bill, central pay<\/span><\/li>\n<li><span style=\"font-size: medium;\">Under a global contract<\/span><\/li>\n<li><span style=\"font-size: medium;\">Automated feeds to travel and expense systems<\/span><\/li>\n<li><span style=\"font-size: medium;\">24\/7 local language cardholder support<\/span><\/li>\n<li><span style=\"font-size: medium;\">Online system for card administration<\/span><\/li>\n<li><span style=\"font-size: medium;\">The consistent card application process<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: medium;\">The scope of the new global program included over 25,000 cards, with eleven countries implemented that account for 99% of the company travel spending.\u00a0 <a href=\"https:\/\/www.peeriosity.com\/shared-services\/articles\/2012\/07\/shared-services-standardization-%e2%80%93-from-process-to-practice\/\">Global standards achieved<\/a> include:<\/span><\/p>\n<ul>\n<li><span style=\"font-size: medium;\">Corporate liability, including China<\/span><\/li>\n<li><span style=\"font-size: medium;\">Automation of daily transaction files and payments<\/span><\/li>\n<li><span style=\"font-size: medium;\">Standard process documentation<\/span><\/li>\n<li><span style=\"font-size: medium;\">Centrally managed IT support<\/span><\/li>\n<li><span style=\"font-size: medium;\">All transactions in one system for reporting card activity<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: medium;\">Challenges and some exceptions remain.\u00a0 For example, SharePoint paperless applications and routing are used with the exception of countries that require paper documents.\u00a0 Individual bill, central pay is used except where government regulations require a different process, and travelers are responsible for paying late fees except where labor laws or work councils disallow.<\/span><\/p>\n<p><span style=\"font-size: medium;\"><strong>iPolling<sup>TM<\/sup> Results Review<\/strong><\/span><\/p>\n<p><span style=\"font-size: medium;\">A supporting Peeriosity poll created using the iPolling<sup>TM<\/sup> technology provides additional context for this discussion by examining the level of process standardization for travel card programs and the challenges that member companies face when trying to expand their use of global standards.\u00a0 With regards to the level of process standardization, the results are impressive, with 66% of member companies indicating that they have global standards in place for their travel card programs.<\/span><\/p>\n<p><img loading=\"lazy\" class=\"alignnone\" 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\" alt=\"iPolling: current level of process standardization across the company's travel card program | travel card process\" width=\"577\" height=\"312\" \/><\/p>\n<p><span style=\"font-size: medium;\">When considering the challenges faced while standardizing the travel card program, while many different types were identified, 55% of the biggest challenges related to tax and legal differences between countries and, in some cases, local jurisdictions.\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" class=\"alignnone\" 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alt=\"iPolling: biggest challenge you face in trying to expand process standardization | travel card process\" width=\"577\" height=\"312\" \/><\/p>\n<p><span style=\"font-size: medium;\">A few of the poll comments from Peeriosity members on this topic are as follows:<\/span><\/p>\n<ul>\n<li><em><span style=\"font-size: medium;\">The main challenge faced is not all markets have a corporate card program available with our bank of choice, forcing us to look at secondary options for a card program. Ideally, we would have one card provider globally.<\/span><\/em><em><span style=\"font-size: medium;\"><br \/>\n<\/span><\/em><\/li>\n<\/ul>\n<ul>\n<li><em><span style=\"font-size: medium;\">We have the same problem as cited above regarding availability in all markets. For example, we had to switch card providers due to changes in EMEA, then recently moved North America to that program as well.<\/span><\/em><em><span style=\"font-size: medium;\"><br \/>\n<\/span><\/em><\/li>\n<\/ul>\n<ul>\n<li><em><span style=\"font-size: medium;\">We are almost 100% global. We just have a few minor issues with aligning smaller countries (less than 100 employees traveling), because it&#8217;s hard to justify the cost vs the benefit.<\/span><\/em><em><span style=\"font-size: medium;\"><br \/>\n<\/span><\/em><\/li>\n<\/ul>\n<ul>\n<li><em><span style=\"font-size: medium;\">The main challenge we face is currency exchange fees for one program across several regions.<\/span><\/em><em><span style=\"font-size: medium;\"><br \/>\n<\/span><\/em><\/li>\n<\/ul>\n<ul>\n<li><em><span style=\"font-size: medium;\">Our biggest challenges to expanding process standardization are country regulations regarding how the credit card program works or not enough employees to support a program.<\/span><\/em><em><span style=\"font-size: medium;\"><br \/>\n<\/span><\/em><\/li>\n<\/ul>\n<ul>\n<li><em><span style=\"font-size: medium;\">The biggest challenge is our employees want to use different brands of cards.<\/span><\/em><em><span style=\"font-size: medium;\"><br \/>\n<\/span><\/em><\/li>\n<\/ul>\n<ul>\n<li><em><span style=\"font-size: medium;\">The biggest challenge is the acceptability of American Express Card in some countries. China also has restrictions on using a non-China credit card.<\/span><\/em><em><span style=\"font-size: medium;\"><br \/>\n<\/span><\/em><\/li>\n<\/ul>\n<ul>\n<li><span style=\"font-size: medium;\"><em>Mexico has been the most difficult due to local requirements.<\/em><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: medium;\"><strong>Closing Summary<\/strong><\/span><\/p>\n<p><span style=\"font-size: medium;\">Many companies have achieved success in <a href=\"https:\/\/www.investopedia.com\/terms\/s\/standardization.asp\" target=\"_blank\" rel=\"noopener\">implementing global standards<\/a> for their travel card program.\u00a0 However, even the most advanced programs have remaining challenges and obstacles, with tax and legal regulations being the most common, with some requiring significant differences in how the travel card program is administered.\u00a0\u00a0 Having a standard process helps reduce travel expense processing costs, but more importantly, it reduces the effort and possible frustration of frequent travelers.<\/span><\/p>\n<p><span style=\"font-size: medium;\">Rather than tackle the challenges in isolation, many of the world\u2019s leading companies are openly sharing insights for how to best approach specific issues and challenges, with the idea that everyone can benefit from the lessons learned via the actual experiences of peers.\u00a0\u00a0 Once you have insight into the approaches of peers, with the opportunity to discuss specifics, many challenges can be easily overcome.<\/span><\/p>\n<p><span style=\"font-size: medium;\">What is the current level of process standardization for your company\u2019s travel card program?\u00a0 What challenges are you facing as you work to expand process standards?<\/span><\/p>\n<p><span style=\"font-size: medium;\">Who are <em>your<\/em> peers and how are you collaborating with them?<\/span><\/p>\n<div>\n<p>____________________________________________________________________________<\/p>\n<\/div>\n<p><span style=\"font-size: medium;\">\u201cPeercasts<sup>TM<\/sup>\u201d are private, professionally facilitated webcasts that feature leading member company experiences on specific topics as a catalyst for broader discussion.\u00a0 Access is available exclusively to Peeriosity member company employees, with consultants or vendors prohibited from attending or accessing discussion content.\u00a0 Members can see who is registered to attend in advance, with discussion recordings, supporting polls, and presentation materials online and available whenever convenient for the member.\u00a0 Using Peeriosity\u2019s integrated email system, Peer Mail<sup>TM<\/sup>, attendees can easily communicate at any time with other attending peers by selecting them from the list of registered attendees.\u00a0<\/span><\/p>\n<p><span style=\"font-size: medium;\"><sup>\u00a0<\/sup>\u201ciPolling<sup>TM<\/sup>\u201d is available exclusively to Peeriosity member company employees, with consultants or vendors prohibited from participating or accessing content. Members have full visibility of all respondents and their comments. Using Peeriosity\u2019s integrated email system, Peer Mail<sup>TM<\/sup>, members can easily communicate at any time with others who participated in iPolling.<\/span><\/p>\n<div>\n<p><span style=\"font-size: medium;\">Peeriosity members are invited to log into <a href=\"http:\/\/www.peeriosity.com\/shared-services\/\">www.peeriosity.com<\/a> to join the discussion and connect with Peers.\u00a0\u00a0 Membership is for practitioners only, with no consultants or vendors permitted.\u00a0 To learn more about Peeriosity, <a href=\"https:\/\/www.peeriosity.com\/shared-services\/\">click here<\/a>.<\/span><\/p>\n<\/div>\n<p><span class='st_linkedin_large' st_title='Driving Global Travel Card Process Standardization' st_url='https%3A%2F%2Fwww.peeriosity.com%2Fshared-services%2Farticles%2F2017%2F05%2Fdriving-global-travel-card-process-standardization%2F' displayText='linkedin'><\/span><span class='st_twitter_large' st_title='Driving Global Travel Card Process Standardization' st_url='https%3A%2F%2Fwww.peeriosity.com%2Fshared-services%2Farticles%2F2017%2F05%2Fdriving-global-travel-card-process-standardization%2F' displayText='twitter'><\/span><span class='st_email_large' st_title='Driving Global Travel Card Process Standardization' st_url='https%3A%2F%2Fwww.peeriosity.com%2Fshared-services%2Farticles%2F2017%2F05%2Fdriving-global-travel-card-process-standardization%2F' displayText='email'><\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Introduction As more companies transition to global designs for Shared Services, one of the most significant impacts is on the business travel process, where the majority of employees most impacted are typically either upper management or are otherwise directly involved in sales and marketing efforts.\u00a0\u00a0 As these employees shift from one region or business unit [&hellip;]<\/p>\n<p><span class='st_linkedin_large' st_title='Driving Global Travel Card Process Standardization' st_url='https%3A%2F%2Fwww.peeriosity.com%2Fshared-services%2Farticles%2F2017%2F05%2Fdriving-global-travel-card-process-standardization%2F' displayText='linkedin'><\/span><span class='st_twitter_large' st_title='Driving Global Travel Card Process Standardization' st_url='https%3A%2F%2Fwww.peeriosity.com%2Fshared-services%2Farticles%2F2017%2F05%2Fdriving-global-travel-card-process-standardization%2F' displayText='twitter'><\/span><span class='st_email_large' st_title='Driving Global Travel Card Process Standardization' st_url='https%3A%2F%2Fwww.peeriosity.com%2Fshared-services%2Farticles%2F2017%2F05%2Fdriving-global-travel-card-process-standardization%2F' displayText='email'><\/span><\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.2 (Yoast SEO v19.13) - 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