BRAND · AI & EXPENSES
ReimburseMe
ReimburseMe (REME) is the AI expense management platform from A&B Group, operated by People Central Pte Ltd, and it does two things no other expense tool does at once: it runs entirely on WhatsApp (no app, no login, no training), and it screens every claim through seven AI fraud agents in under 200 milliseconds before the claim reaches an approver. The result is 90%+ employee adoption in the first month (versus a 40 to 60% industry average) and 70 to 85% lower expense fraud losses. Recognised by MINDEF Tech Gateway.
Differentiator
What makes ReimburseMe different
Two things, simultaneously.
It is the only expense platform built on WhatsApp. Every other tool needs a download, a login, and a learning curve, which is why most sit at 40 to 60% adoption while finance chases the rest by email. REME lives in the app employees already open dozens of times a day. Submitting an expense is one photo, so adoption hits 90%+ in month one and the expense data is actually complete.
It catches fraud before payment, not after. Traditional tools audit after the money is gone. REME runs seven specialised AI agents in parallel on every claim, in under 200ms, before an approver ever sees it, so fraudulent claims are quarantined, not paid.
90%+
adoption in month one
200ms
fraud screening per claim
70-85%
lower fraud losses
8-12
fraud cases caught per company per month
How it works
Submit an expense the way you send a photo
01
Snap the receipt
Any receipt, any quality, any language.
02
Send it on WhatsApp
AI extracts merchant, amount, date, and category, and seven fraud agents screen the claim in under 200ms.
03
Finance approves, payroll reimburses
Approved claims sync to PeopleCentral payroll and the employee is paid in the next run, with a full audit trail.
Web portal and email submission are also supported; every channel goes through the same AI fraud screening.
Fraud detection
Seven AI fraud agents, every claim, under 200ms
The engine self-learns and improves the longer you use it.
Currency Integrity
Flags mismatches between receipt and claimed currency.
Multi-Currency Validator
Verifies exchange rates against historical rates on the expense date.
Duplicate Matcher
Uses perceptual-hash matching to catch the same receipt resubmitted from different angles or by different employees.
Data Consistency Verifier
Cross-checks merchant, date, amount, and category for contradictions.
Reconciliation Tracker
Flags claims for expenses already paid on a corporate card.
Image Forensics
Detects handwritten or altered fields.
Contextual Grouper
Spots patterns over time, such as threshold-gaming and round-number clusters.
Global coverage
Built for global and regional teams
REME handles expenses submitted from any country, in any currency, in any language, consolidated in one dashboard.
Singapore
PDPA compliant, CPF-ready payroll sync.
India
INR, GST coding, multi-lingual receipts including Hindi and Tamil.
Malaysia
MYR, Bahasa receipt processing.
Australia
AUD, GST extraction.
Customers
Who ReimburseMe is for
Finance and CFO teams that want fraud caught before payment and complete expense data rather than a partial sample, operations teams that want zero-friction rollout with no IT involvement, and distributed or field-based workforces. One Singapore construction director runs 280+ field staff submitting receipts on-site via WhatsApp.
Recognition
Proof
90%+ adoption in month one. 70 to 85% reduction in expense fraud losses. An average of 8 to 12 fraud cases caught per company per month. Customers report month-end reconciliation cut from days to hours. MINDEF Tech Gateway recognised, PDPA compliant, ISO 27001 infrastructure via PeopleCentral.
MINDEF Tech Gateway
Recognised
90%+ adoption
Month one, vs 40-60% industry average
70-85% less fraud
Expense fraud losses reduced
ISO 27001
Infrastructure via PeopleCentral
Context
ReimburseMe in A&B Group
ReimburseMe is operated by People Central Pte Ltd and is part of the PeopleCentral HR OS. Approved claims sync directly to PeopleCentral payroll, its fraud and OCR intelligence is built on EngageCentral's AI engine, and new hires from HireCentral are added to the REME system on day one.
FAQ
Frequently asked questions
What makes ReimburseMe different from other expense tools?
ReimburseMe is the only expense platform built on WhatsApp (no app or login, so adoption reaches 90%+ in month one) and it screens every claim through seven AI fraud agents in under 200ms before approval, catching fraud before payment rather than after.
How does REME use WhatsApp for expense management?
Employees photograph a receipt and send it to the REME WhatsApp bot. AI extracts the merchant, amount, date, and category, screens it for fraud, and routes it for approval, with no app to download or login required.
How does REME detect expense fraud?
Seven specialised AI agents run in parallel on every claim in under 200ms, checking currency integrity, exchange rates, duplicates, data consistency, corporate-card reconciliation, image forensics, and behavioural patterns, before an approver sees the claim.
Can REME handle multi-currency expenses?
Yes. REME handles expenses in any currency, verifies exchange rates against historical rates, and supports teams in Singapore, India, Malaysia, Australia, and beyond from one dashboard.
Does REME work without PeopleCentral?
REME can be used on its own, and it also syncs directly to PeopleCentral payroll when used as part of the PeopleCentral HR OS.
Who owns ReimburseMe?
ReimburseMe is operated by People Central Pte Ltd, the founding company of A&B Group, a Singapore holding company.
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