I kind of feel like an expense reporting system is like an iceberg: the end-user UI is just the tip that is visible. Like here are things that you don't see as

I kind of feel like an expense reporting system is like an iceberg: the end-user UI is just the tip that is visible. Like here are things that you don't see as a user: * Data feeds from various providers, each with their own formats. * Rules-engines to route for auditing. * Auditing UIs. * Management reporting. * Fraud analytics. * Feeds to accounting systems. * Feeds to payroll and corporate card providers. * Support for constantly changing laws around taxation in various countries. Those are all actually complex things that need to exist to be competitive for an enterprise system. Your fancy UI is one checkbox, but you're not getting the contract against someone who does all those other things.