Bristol-Myers Squibb (BMS) is dedicated to discovering, developing, and delivering innovative medications to improve the health of patients around the world. A couple of years ago, the company's internal travel and entertainment expense (T&E) processes desperately needed an injection of efficiency. Employees who traveled on company business were given a corporate card. Unfortunately, the card was not widely accepted in some of the regions where the global biopharmaceutical firm had operations.

Employees who traveled where the corporate card wasn't accepted used their personal credit card to cover T&E, then expensed their purchases through BMS's expense management tool. Some became so accustomed to this process that they started using personal cards for all expenses, even with vendors that would have accepted the corporate card. This was problematic because it reduced the ability of sourcing managers to monitor corporate travel spending.