AI-powered business travel and expense platform Navan has 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, the Palo Alto, CA-based company says in a March 5 media release.
“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,” the company stated. “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.
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According to Navan, data from the initial phased rollout shows 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,” the company said. “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.”
“Navan’s goal is always to consolidate the fragmented T&E landscape into a single, touchless experience. This agent isn’t a one-off feature: it’s one more piece in our strategy to replace every manual touchpoint in the industry with an agentic workflow,” Yuval Refua, chief product officer at Navan, said in a statement. “In a world of shiny, vibe-coded AI demos, the devil is in the retention data. But when you see users actively choosing an AI agent over the ‘old way’ of doing things, it confirms that the real power of AI is its ability to take over the annoying, repetitive tasks that get in the way of real work.”
Expense Chat is currently available for U.S.-based customers.
More information about Navan can be found here.
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