From Purchase Request to Payment: How ERP Strengthens Spend Control, Cash Flow, and Supplier Governance
Executive Summary In many SMEs, “procurement” is informal: purchases are approved via WhatsApp, supplier onboarding is inconsistent, invoices arrive without purchase orders, and finance discovers spending only after cash has left the business. This creates predictable outcomes—budget overruns, weak cash flow visibility, supplier disputes, and elevated fraud risk (especially around supplier creation and bank detail...


