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        <div>
         <img alt="Expensify Logo" height="24px" src="https://inboxflows.com/_/image/https%253A%252F%252Fd2k5nsl2zxldvw.cloudfront.net%252Fimages%252Femail%252Fexpensify-email-logo-header2025.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZkMms1bnNsMnp4bCIsInRpbWUiOjE3NjIzMDg5NzMuNzczODA5fQ:1vGT4H:2wjTlWCtwO3OQfazoit6M8cmykBJUre7Gag9gXsV4-I" width="100px"/>
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         </table>
        </div>
        <div class="content-section">
         <p>
          <em>
           tl;dr - Concierge now blends AI and white-glove, human-powered support to create the expense
            agent you never had, who saves you time and money 24/7 via chat, email, and text. Your new expense
            agent now:
          </em>
         </p>
         <ul>
          <li>
           <em>
            Creates, auto-categorizes, tags, and adds descriptions to expenses.
           </em>
          </li>
          <li>
           <em>
            Learns from everything you do.
           </em>
          </li>
          <li>
           <em>
            Responds faster when you need help, anywhere you need it.
           </em>
          </li>
          <li>
           <em>
            Monitors policy compliance in more scenarios.
           </em>
          </li>
          <li>
           <em>
            Automatically submits reports based on your timeline.
           </em>
          </li>
          <li>
           <em>
            Escalates to a human when necessary.
           </em>
          </li>
          <li>
           <em>
            … and so much more.
           </em>
          </li>
         </ul>
         <p>
          <em>
           Email
           <a style="color: #0164BF; text-decoration: none; " target="_blank">
            concierge@expensify.com
           </a>
           , text 47777, or chat with Concierge in the app to get started!
          </em>
         </p>
        </div>
        <div class="content-section">
         <p>
          If you've used Expensify since 2015, you surely know Concierge, our embedded AI.
          <strong>
           Concierge
            has been Expensify's tireless workhorse behind the scenes
          </strong>
          , powering everything from tech
            support to accounting workflows, using a combination of 24/7 human agents and AI automation. It's
            hard to overstate how important Concierge has been for building Expensify into the tech-forward
            brand it is today.
         </p>
        </div>
        <div class="content-section">
         <p>
          Over that same time, "Large Language Model" (LLM) technology took the world by storm, becoming
            simultaneously famous for its conversational flair… and infamous for confidently "hallucinating"
            (making up facts when they don't know an answer). Though we instantly saw the appeal and potential
            of this for improving Concierge,
          <strong>
           we also recognized the incredible challenge of the
          </strong>
          <a style="color: #0164BF; text-decoration: none; " target="_blank">
           "march of nines"
          </a>
          – making something work in the lab is easy, making it work in the wild
            is very, very hard.
         </p>
        </div>
        <div class="content-section">
         <p>
          All this is why it's so exciting to reveal the product of our very hard work to integrate the best
            LLM tech into what we think is the best real-world financial AI. This combines the realtime
            conversational flair of LLMs with
          <strong>
           Concierge's proven human-hybrid, accuracy-optimized
            architecture
          </strong>
          , to enable Concierge to:
         </p>
         <ul>
          <li>
           <strong>
            Answer a much wider range of more complex support questions automatically, under close
                human supervision.
           </strong>
           Concierge is a bit different from fully autonomous chat systems in
                that it's not just AI: we seamlessly blend the latest LLM tech with our global team of 24/7
                support experts to collaborate in realtime on the best answer to send in each situation. For
                example:
           <ul>
            <li>
             <em>
              If you ask a basic factual question, Concierge will respond immediately in a fully
                        autonomous fashion.
             </em>
            </li>
            <li>
             <em>
              If the question is especially complex or requires nuanced understanding, Concierge
                        will escalate the proposed response to a human for realtime review before sending.
             </em>
            </li>
           </ul>
           <img src="https://inboxflows.com/_/image/https%253A%252F%252Fstatic.expensify.com%252Fimages%252Fnewsletter%252F2025-11%252FAI-newsletter-Oct25-1.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZzdGF0aWMuZXhwZSIsInRpbWUiOjE3NjIzMDg5NzMuNzc0MzMxOH0:1vGT4H:U06PAilIjaTItttiQVjWIb1S1sBtBC7EJJuqiavxh4w" style="max-width: 512px;"/>
          </li>
          <li>
           <strong>
            Detect a much wider range of potential compliance issues.
           </strong>
           For example,
                Concierge will now:
           <ul>
            <li>
             <em>
              Tell you if a receipt appears to have been generated using AI.
             </em>
            </li>
            <li>
             <em>
              Highlight if a receipt's merchant or line items suggest gambling, tobacco, or other
                        unauthorized types of purchase.
             </em>
            </li>
           </ul>
           <img src="https://inboxflows.com/_/image/https%253A%252F%252Fstatic.expensify.com%252Fimages%252Fnewsletter%252F2025-11%252FAI-newsletter-Oct25-2.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZzdGF0aWMuZXhwZSIsInRpbWUiOjE3NjIzMDg5NzMuNzc0NDQ0M30:1vGT4H:t9hTCyF7ZVUjSRTpQZ1QpztaSMAQQSU6PX7_cxvNe5k" style="max-width: 512px;"/>
          </li>
          <li>
           <strong>
            Autocorrect a much wider range of ambiguous scenarios.
           </strong>
           SmartScan has always
                    auto-categorized the receipts you scan, based on specific information available on the
                    receipt and credit card feed, as manually configured in your workspace settings. However,
                    now Concierge will use its dramatically improved ability to understand the context of an
                    expense – combined with improved language skills – to more accurately match the incoming
                    merchant to the most reasonable category. For example, Concierge will:
           <ul>
            <li>
             <em>
              Recognize that "Uber" should be categorized as "Rideshare" without you needing to
                        configure it.
             </em>
            </li>
            <li>
             <em>
              Correctly select between "Travel (over $1000)" and "Travel (under $1000)"
                        categories, when it sees an "Alaska Airlines ($2000)" expense.
             </em>
            </li>
            <li>
             <em>
              Provide a one-click option to categorize on the go when Concierge detects that a
                        merchant could apply to multiple cost centers.
             </em>
            </li>
           </ul>
           <img src="https://inboxflows.com/_/image/https%253A%252F%252Fstatic.expensify.com%252Fimages%252Fnewsletter%252F2025-11%252FAI-newsletter-Oct25-3.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZzdGF0aWMuZXhwZSIsInRpbWUiOjE3NjIzMDg5NzMuNzc0NTQyM30:1vGT4H:uIde7kbdZ1sCqtKczozcv-Mi0m3O_7XXhGRm7jTz4UY" style="max-width: 512px;"/>
          </li>
          <li>
           <strong>
            Perform a much wider range of direct automation commands.
           </strong>
           Though Concierge will
                always attempt to proactively anticipate your needs and do it for you without asking… when in
                doubt, just ask! As they say, "a closed mouth don't get fed." If you want something done, just
                say it, and if it deals with expenses, odds are Concierge can do it (and if not, it'll tell you
                how). For example, you can say (via texting 47777, emailing
           <a style="color: #0164BF; text-decoration: none; " target="_blank">
            concierge@expensify.com
           </a>
           , or just
                chatting in app):
           <ul>
            <li>
             <em>
              "Create a $50 Olive Garden expense for a meeting with Evil Corp"
             </em>
            </li>
            <li>
             <em>
              "Record 50 miles from home to Dunder Mifflin"
             </em>
            </li>
            <li>
             <em>
              "&lt;receipt image&gt; for coffee with Bob"
             </em>
            </li>
           </ul>
           <img src="https://inboxflows.com/_/image/https%253A%252F%252Fstatic.expensify.com%252Fimages%252Fnewsletter%252F2025-11%252FAI-newsletter-Oct25-4.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZzdGF0aWMuZXhwZSIsInRpbWUiOjE3NjIzMDg5NzMuNzc0NjM3Mn0:1vGT4H:yzhPQsim2j_g053aKD_Qd8nv7Z8EfDqcICqhE4pgbpQ" style="max-width: 512px;"/>
          </li>
         </ul>
        </div>
        <div class="content-section">
         <p>
          Just
          <strong>
           ask Concierge anything you want, anywhere you want
          </strong>
          – whether in your personal
            Concierge chat, on an expense report, or right within any expense – and it'll either do it right,
            find a human who can, or tell you how to do it yourself.
         </p>
        </div>
        <div class="content-section">
         <p>
          I'm sure you agree that the AI world is advancing at a sometimes terrifying pace, with the prospect
            of superintelligent toothbrushes questioning the meaning of teeth looming closer every day. Our job
            has always been to use the best technology available to give you the simplest experience possible,
            without losing sight of what really matters:
          <strong>
           the accuracy of your finances, and the value of
            your time.
          </strong>
         </p>
        </div>
        <div class="content-section">
         <p>
          Want a quick demo of your new expense agent in action?
          <a style="color: #0164BF; text-decoration: none; " target="_blank">
           Watch the video!
          </a>
         </p>
        </div>
        <div class="content-section">
         <p>
          And if you have any more ideas for how we can use AI to make your life even easier, just reply to
            this email.
         </p>
        </div>
        <div class="content-section">
         <p>
          -david
         </p>
         <p>
          Founder and CEO of Expensify
         </p>
        </div>
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           Log in to Expensify
          </a>
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