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DOI: Automating Expense and Payment Processes: Integration of JPMC Credit Card with Oracle Cloud ERP
Sachin Sardana , Oracle ERP Cloud Solution Architect, USAAbstract
Businesses increasingly encounter inefficiencies in employee expense management and corporate credit card reconciliations. Manual expense management processes take time, are error-prone, and are low in transparency, especially when a great many credit card transactions are involved. This research paper explains how the integration of JPMorgan Chase (JPMC) corporate credit cards with Oracle Cloud Enterprise Resource Planning (ERP) changes expense reporting, approval procedures, and payment reconciliation. With formalized architecture using Oracle Expenses, Payables, and middleware integration, companies can automate expense capture, enforce policy adherence, and speed payment cycles. This article includes a U.S.-based manufacturing firm case study that automated its expense processes, which reduced processing time by 45% and strengthened expense policy compliance by 70%. With the help of data, visualizations, and cited best practices, the research illustrates the way these integrations are critical for operational nimbleness and financial mastery.
Keywords
Oracle Cloud ERP, JPMC Credit Card, Expense Automation, Payment Processing, Oracle Payables, Expense Policies, Financial Control, ERP Integration, Corporate Cards, Digital Transformation
References
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Gartner. (2023). Market Guide for Cloud ERP for Product-Centric Enterprises. https://www.gartner.com/en/documents/6543402
Oracle Corporation. (2023). Oracle Fusion Expenses Implementation Guide. https://docs.oracle.com/en/cloud/saas/financials/23d/faiex/
Oracle Corporation. (2024). Automating Expense Management with Oracle Cloud ERP.
https://www.oracle.com/erp/finance-automation/
Aberdeen Group. (2022). The Automated Expense Management.
Oracle Touchless Expenses with JPMorgan Card (2024). Commercial Card Solutions Overview. https://docs.oracle.com/en/cloud/saas/financials/24b/facsf/touchless-expenses-with-j-p--morgan-corporate-cards.html#Guided-Help-for-Expenses-that-Require-More-Information
Forrester. (2023). The Total Economic Impact of Oracle Cloud ERP.
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Copyright (c) 2025 Sachin Sardana
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