Continuous disruption and new opportunities define this year, with a focus on generating business value.Innovations unveiled at SAP Sapphire 2025 aim to guide organizations towards certainty and resilience.Key innovations support Finance and Spend teams, including embedded virtual cards and WalkMe Premium integration.Embedded virtual cards in SAP Ariba enhance payment flexibility, security, and efficiency for businesses.WalkMe Premium integration with SAP Ariba and SAP Concur aids in reducing change management efforts and maximizing business value.Joule Agents introduce AI capabilities to enhance finance and spend functions, automating tasks and improving efficiency.SAP Taulia Receivables integration in SAP finance solutions offers fast capital access to manage working capital efficiently.Expanded SAP Ariba Procurement and travel and expense offerings in SAP Business Suite deliver a connected, suite-first experience.SAP's advanced AI capabilities combined with integrated applications ensure productivity and accuracy in the finance and spend landscape.SAP provides solutions for businesses to navigate uncertainties and achieve long-lasting success in procurement and spend management.