"Pliant CaaS offers us the best technical functionality and the best service."
Bas Janssen is the Head of Strategic Initiatives at Mobilexpense and the founder of Declaree by Mobilexpense. This case study highlights their journey, from identifying the need for a modern credit card solution to successfully implementing this solution, which has had a significant impact on both Mobilexpense and their customers.
Mobilexpense as part of the Mobilexpense Group is a SaaS organization based in Brussels that offers expense management software for the whole market, from small businesses to large global enterprises.
They offer three different value propositions for global companies, European enterprises, and local SMEs through the implementation of their product offerings. Declaree by Mobilexpense is a product that serves the mid-market segment. It offers Pliant’s Cards-as-a-Service solution which is fully embedded into the local expense management solution.
The company’s Mobilexpense credit cards give employees more spending autonomy and eliminate the need for out-of-pocket expenses. Insights are gathered from the employee expenses made using the Mobilexpense card to provide management full control and transparency.
Pliant also helps Mobilexpense serve credit cards to their enterprise segment.
Challenge: Staying competitive as an expense management solution
Mobilexpense has been integrating their products with business credit cards for 20 years, so they understand the frustrations clients have with traditional credit card offerings.
Traditional bank cards have limited functionality when it comes to card management, controlling spending in real-time and reconciling transactions with receipts and invoices.
In the past, customers could only receive credit card statements at the end of the month. This made it difficult to match receipts to transactions from weeks earlier and determine who made the payment and from which budget.
Janssen and his team saw an opportunity in the market to build an integrated modern credit card solution together with a partner.
“When I founded Declaree by Mobilexpense 10 years ago, we were among the first to create an expense management solution with a mobile-first approach. Nowadays, other technologies like OCR, mileage tracking, and daily allowances, are really a requirement. But in future, there will be even more requirements for expense management sought after by businesses. Offering modern credit cards is one of them.”
Bas Janssen, Head of Strategic Initiatives at Mobilexpense
Solution: Extension of the Value Proposition with CaaS
Mobilexpense set out to develop the best credit card offering in their expense management software together with a partner.
After an extensive provider comparison, Pliant emerged as the top choice for both technical functionality and service. “In the market, there are many different providers nowadays. But in our comparison process, Pliant came out on top, and I still think Pliant is the best partner for us”, says Janssen.
The partnership with Pliant allowed Mobilexpense to embed their own fully branded credit cards directly into their software, providing seamless functionality within their existing product suite. This embedded solution extends Mobilexpense’s value proposition, offering employees greater spending autonomy while giving management enhanced control.
Pliant provides a credit option, crucial for larger mid-market and enterprise clients. Additionally, Pliant’s project management and technical support were instrumental in the successful deployment of Declaree by Mobilexpense’s credit card program, ensuring a smooth rollout and ongoing support.
This fully branded and seamlessly integrated solution allowed Mobilexpense to enhance their product offering and better serve their clients’ needs.
“With other potential partners, we faced the prospect of developing all card management functionality ourselves, which would have set us back for at least six months. Pliant provided a ready-to-go solution, making it the best fit in terms of functionality.”
Bas Janssen, Head of Strategic Initiatives at Mobilexpense
Why Mobilexpense chose Pliant as a partner:
CaaS offers robust technical functionality that seamlessly integrates with the existing software suite, enhancing the UX and operational efficiency.
Pliant's proactive project management and ongoing technical support were instrumental in ensuring a successful deployment.
They could leverage Pliant's embedded card solution, allowing them to brand the card with their own logo and identity.
Pliant offers a credit option, which is crucial for meeting the various needs of their mid-market and enterprise clients.
Pliant has a strong commercial offering, which aligned well with their business strategy and client needs.
Result: Ensuring a Future-Proof Expense Management Solution
The integration of Pliant's Cards-as-a-Service solution has had a significant impact on both the company and its customers. By embedding CaaS, they have enhanced their value proposition, offering clients a seamless and efficient expense management experience.
The embedded credit card solution CaaS offers streamlined processes, reduces administrative burdens, and provides clear accountability for expenses. "Pliant's credit cards make it very easy for our customers because for each transaction that happens, there's a real-time push notification triggering the owner of the card to add the invoice or the receipt", says Janssen.
For Mobilexpense, the partnership with Pliant allows them to offer a competitive and modern expense management solution, meeting the evolving needs of their clients and maintaining their position in the market. The streamlined processes and enhanced functionality have not only improved customer satisfaction but have also positioned Mobilexpense as an innovative and forward-thinking provider in the expense management industry.
“Are we competitive without Pliant’s CaaS? I'm not sure. Our position is that we want to integrate with the client's business case and what their requirements are. This is to make sure that we are solving their problem. Based on our own experience, we truly believe this is the best expense management offering out there right now.”
Bas Janssen, Head of Strategic Initiatives at Mobilexpense
