1. Lot of malpractices are followed during receipt submission  & validation 

2. Lack of transparency and accountability during claim processing

3. Letters on the receipts gets vanished over a time

4. Sometimes claims take longer time to get the allowances

5. Doesn’t get timely notifications on the submitted bills

6. Tedious to track and analyse past expenses 

7. Untimely submission of bills reduces efficiency of settlement 

8. Tedious multi-level approval process

9. Impossible to process receipts which are in local languages