SAP Cloud ERP Private 2025 Feature Pack Stack 02 (FPS02) delivers new capabilities that help organizations move from AI experimentation toward intelligent, governed business execution faster.

The release combines AI agents that can work directly with core business processes and adds new regulatory compliance capabilities and industry-specific innovations across asset-intensive industries, retail, and energy sectors. Together, these enhancements help strengthen the foundation for organizations that need to scale AI responsibly.

Building the foundation for enterprise AI

As organizations explore how AI can drive business outcomes, one challenge keeps surfacing: AI alone is not enough. To operate at enterprise scale, AI needs access to trusted data, process context, business rules, and governance.

This is why the conversation about AI increasingly becomes a conversation about ERP. AI agents require more than information. They need to understand what actions are permitted, which controls must be respected, and when decisions require human review. SAP Cloud ERP Private can provide this foundation through integrated business processes, harmonized data, and enterprise-grade governance. FPS02 helps extend these capabilities, bringing intelligence directly into the processes where business happens.

AI embedded within business processes

FPS02 introduces AI agents and AI-assisted capabilities across key business domains, helping organizations automate routine work while maintaining oversight and accountability.

In finance, agents and AI-assisted capabilities help support processes spanning planning and forecasting, period-close activities, working capital management, tax processes, and compliance operations. Rather than requiring employees to manually identify issues and coordinate follow-up activities, SAP Cloud ERP Private and analytical business insights can surface risks, recommend actions, and help manage exceptions.

In sales order-to-cash processes, agents enable sales teams to quickly identify fulfillment issues, receive resolutions, and create or update sales orders directly in their workflow, which helps minimize delays and improve customer satisfaction.

Joule and SAP Document AI help streamline quality management by uploading, extracting, and matching certificate data, flagging exceptions, and creating pre-filled defects from natural-language inputs and source documents to help accelerate review, accuracy, and inspection release.

By receiving key observations, recommendations, and a clear action plan directly within business processes, employees can focus on judgment and expertise rather than information gathering and exception management.

Compliance built into the core

FPS02 also delivers important regulatory capabilities directly within SAP Cloud ERP Private.

The release includes support for IFRS 18 indirect-method cash flow statement reporting, helping organizations prepare for evolving financial reporting requirements. Additional updates include support for Germany’s AUSWIB1M foreign-trade reporting requirements and Canada First Nations Tax determination with GST499-1 return generation. By incorporating these capabilities into standard business processes, organizations can address compliance obligations while maintaining consistent governance and operational efficiency.

Industry innovation across critical operations

FPS02 deepens industry-specific capabilities across asset-intensive operations, upstream oil and gas, defense and security, and retail.

For asset-intensive industries, enhancements further integrate permit-to-work processes into maintenance operations, helping ensure operational controls are embedded directly within workflows. Upstream oil and gas organizations can gain new capabilities that extend Joule into production and revenue accounting, while SAP Document AI helps interpret gas plant statements and propose accounting entries for review. Defense and security organizations can benefit from innovations supporting equipment allocation and ERP operations in limited-connectivity environments.

Retail organizations gain four new data products that help expose retail master data through SAP Business Data Cloud, working to create a stronger foundation for future AI-driven processes. FPS02 also introduces operational enhancements including support for partial order fulfillment scenarios, GS1 2D barcode enablement, and expanded product traceability through serial-number integration between point-of-sale and inventory processes.

Advancing the Autonomous Enterprise

The Autonomous Enterprise is not built through a single AI breakthrough or software release. It emerges through the combination of trusted business data, integrated processes, governance, and intelligent capabilities working together across the enterprise.

SAP Cloud ERP Private 2025 FPS02 helps advance that foundation in concrete terms: by embedding intelligence within business processes, strengthening compliance capabilities, and expanding industry-specific innovation.

To explore the full FPS02 release and its implications for your business, visit SAP Community.

Maura Hameroff is chief marketing officer for SAP Cloud ERP Private and RISE with SAP.

New innovations in payments, enterprise performance management, and AI automation help finance teams move quickly from insight to execution while maintaining governance and control.

Finance leaders today are expected to do far more than report results. They’re expected to shape business outcomes, guide decisions, and respond quickly to change. Yet many finance processes still operate in isolation rather than in concert. Invoice approval and payment execution happen in separate places.

Planning, consolidation, and reporting often rely on separate systems and workflows. And governance often misses critical information by operating in a silo. The result is delays between identifying an issue, making a decision, and taking action.

This year at SAP Connect, SAP announced new capabilities designed to help close those gaps. These include SAP Pay, a new payment service embedded in SAP Cloud ERP; SAP Enterprise Financial Consolidation, a new addition to SAP’s enterprise performance management portfolio; and an expanded set of Joule Assistants that bring AI-powered support to finance, governance, and compliance processes.

While each innovation addresses a different challenge, they share a common objective. Finance teams should spend less time moving information between systems and more time acting on insights.

Embedding payments into finance operations

One of the most persistent sources of friction in finance is the payment process itself.

An invoice may be approved in the ERP system, but completing the payment often still involves banking portals, payment files, middleware, and reconciliation activities. Each additional handoff introduces complexity and can slow execution.

SAP Pay is designed to simplify that process by embedding payment execution directly into SAP Cloud ERP. When an invoice is approved, payment and reconciliation can occur within the same workflow and the same business context.

The launch also marks SAP’s entry into payment services through Tereina, a wholly owned SAP subsidiary established earlier this year. As a regulated payment-service provider, Tereina enables SAP to deliver services natively within finance workflows rather than relying solely on third-party providers. This helps keep payment execution, reconciliation, controls, and auditability connected to the underlying business transaction.

The service supports EFT, wire transfers, checks, and stablecoin-based settlement for cross-border transactions. More broadly, SAP offers customers a wide range of payment options, spanning bank API integrations, connectivity to more than 10,000 financial institutions through SWIFT, digital-currency payments, and now natively embedded payment services.

For finance organizations, the opportunity is not simply faster payment execution. It is reducing the effort required to connect systems, manage exceptions, and reconcile information after the fact while keeping payment processing, reconciliation, controls, and auditability within a single workflow.

SAP Pay is now generally available in the United States and the United Kingdom.

Connecting performance management across the enterprise

The same challenge appears across enterprise performance management.

Planning, consolidation, close processes, and external reporting all rely on the same financial reality. Yet they are often managed through separate tools, data models, and processes. Maintaining a consistent view of performance can become increasingly difficult as organizations grow and business conditions change.

At SAP Connect, we announced SAP Enterprise Financial Consolidation to help address that challenge.

Built on SAP Business Data Cloud, the solution brings together statutory and management consolidation with close and disclosure capabilities on a common governed data foundation. By connecting these activities more closely, finance teams can spend less time reconciling information and more time understanding performance and responding to change.

The solution also includes new Joule Assistants for consolidation and disclosure processes. These assistants help identify anomalies, resolve exceptions, and support disclosure preparation while maintaining auditability and human oversight.

For organizations operating mixed environments–some SAP, some non-SAP environments–SAP Enterprise Financial Consolidation provides flexibility by supporting data from multiple sources. It also offers a path forward for customers looking to modernize existing consolidation environments and adopt a more AI-enabled approach to performance management.

SAP Early Adopter Care is planned for the first quarter of 2027.

Expanding AI across finance and governance

AI’s potential in finance extends beyond answering questions or generating summaries. The larger opportunity is helping teams complete work that has traditionally required significant manual effort, specialist knowledge, and cross-functional coordination.

At SAP Connect, SAP expanded its portfolio of Joule Assistants to address these opportunities.

The new assistants support areas including accounting, revenue recognition, pricing, disclosure management, project operations, governance, and trade compliance. Embedded directly into existing workflows, they are designed to help teams complete tasks more efficiently while preserving review processes and accountability.

Some focus on helping finance professionals understand complex calculations and reporting requirements. Others support pricing decisions, disclosure preparation, project execution, and continuous monitoring of risks and controls.

Just as important is governance.

As organizations deploy more AI agents across business functions, they need assurance that those agents operate within the same boundaries that govern human users. New governance, security, and compliance assistants are designed to extend existing controls, access management, and monitoring capabilities to AI-driven activities, helping organizations apply consistent oversight across both human and digital actors.

General availability for the Governance Assistant and International Trade Assistant is planned for Q4 2026.

From financial insight to immediate action

Finance has always played a central role in helping organizations understand performance. Increasingly, it is also expected to help organizations respond in real time.

That makes speed, visibility, and execution just as important as reporting accuracy.

The innovations SAP announced at SAP Connect reflect that shift. Whether simplifying payments, connecting performance management processes, or embedding AI directly into everyday finance work, each reduces the operational distance between identifying an issue and acting on it.

For finance teams, the ultimate goal is not simply faster processes or faster reports. It is making better decisions with greater confidence and executing those decisions with less friction.

Learn more about how SAP is helping organizations modernize finance operations across ERP, planning, treasury, payments, and accounting here.

Lawrence Martin is general manager and chief product officer for SAP Finance & Spend.
David Imbert is chief marketing officer for SAP Financial Management.

The stability and reliability of half the world’s electrical grid partly depend on equipment built and maintained by one company.

Reinhausen has been innovating for over 100 years, and its spirit of invention continues as demand for its products grows at a stunning 20% a year.

The company also innovates with AI. They use it within their products to create customer value and to automate manual processes for employees. And they are adding more automation to help them meet growing demand amid skilled labor shortages. Reinhausen’s expertise in AI innovation is among the reasons the company joined SAP’s early adopter program for Joule Work.

“The Joule Work desktop early adopter program has delivered more momentum in just a few months than we saw in all the years before,” said Peter Wied, director of Complexity Management at Reinhausen. “What once required up to an hour of manual effort across our SAP S/4HANA environment is now accessible in seconds through natural language, fundamentally changing how our teams interact with business data.”

AI that answers complex business questions while running agent-driven workflows at scale

Soon, all SAP customers will enjoy the benefits of Joule Work when it rolls out later this month. We built it because the promise of AI goes far beyond text generation and fact-finding. It can help people make better decisions, informed by their data, and get answers to complex questions. SAP Business AI Platform ensures those answers are all grounded in the context of how a specific business runs.

These are advantages companies can only get from SAP because SAP Business AI Platform encodes decades of process and industry knowledge right into our applications, knowledge graph, and Joule Work. The platform also combines best-in-class third-party models with SAP’s own foundation models for ABAP code generation and predictions on structured data, alongside SAP’s proprietary domain models, which are pre-trained on SAP’s code, data models, and business processes.

This means every AI interaction can draw on the model best suited for the task—whether that’s generating clean code, predicting a business outcome, or answering a process question—with the accuracy and cost-efficiency that business-critical work demands. And through SAP Business Data Cloud, Joule Work accesses all the data it needs from a single unified source that breaks down silos and unifies data across SAP and non-SAP sources.

Now, SAP Reltio is generally available in SAP Business Data Cloud. It helps organizations eliminate fragmented records with a single trusted view of customers, suppliers, products, and employees across SAP and non-SAP systems.

But we know sharper decisions and reliable business answers are only part of the equation. Organizations need AI to take action and coordinate work across all their business processes. Earlier this year, Deloitte surveyed more than 500 leaders and found 74% said they would redesign or rebuild almost half of their business processes around AI agents.

Through the SAP Autonomous Suite, SAP provides a library of reliable, ready-to-use Joule Agents across every business function, so companies can hit the ground running. And Joule Work brings the most powerful business AI orchestration engine in the industry to run those agentic workflows at scale.

Build and connect anything

Joule Work and the SAP Business AI Platform provide an out-of-the-box competitive advantage for the AI era, but every company has its own unique advantages that should be strategically extended. This is why Joule Work’s Develop capability provides access to Joule Studio, soon to be generally available.

In Joule Studio, customers can customize and build Joule Agents with tools that embed process context and semantically rich data. They can also connect third-party systems with open standards because Joule Studio leverages over 11,800 pre-built business accelerators. Joule Studio is more than five times faster than do-it-yourself options, according to benchmarking done by Constellation Research.

With Joule Studio, anyone can describe what they want to build in natural language, while developers can use pro-code tools all in the same environment. New agents are deployed directly into Joule Work and inherit SAP security and governance.

Warehouse automation company KNAPP used Joule Studio to build an assistant that helps workers identify and solve problems without waiting for an expert. Issue resolution times have dropped by about 90%, while documentation and training times fell by about 80%.

In our industry, AI is not the future anymore; it is already happening. And that is exactly what our AI delivery pilot demonstrates every day. Our partnership with SAP makes complexity simple. When a problem appears on the warehouse floor, SAP Business AI Platform helps us solve it in seconds.

Florian Aufegger, Senior SAP EWM Solution Consultant, KNAPP AG

As organizations build and deploy more agents, governance also has to evolve from compliance checkpoints to an integral part of the entire agent life cycle. Trust remains the biggest barrier to AI adoption for 71% of technology buyers, according to BCG. This is why SAP AI Agent Hub, now generally available, helps organizations govern every agent, LLM, and MCP server across SAP and non-SAP environments. New capabilities, including SAP Signavio Agent Mining, measure the outcomes every agent delivers and identify opportunities to further optimize those outcomes.

Start scaling AI, and your business outcomes, today

BCG’s latest research found that the companies farthest ahead scaling AI deliver 2.4 times the revenue growth and 2.8 times the EBITDA growth of those falling behind.

Our customers, Reinhausen and KNAPP, show what that looks like up close: an hour of manual work reduced to seconds, and problems on the warehouse floor solved without waiting for an expert. Our goal is to make results like these repeatable for every SAP customer.

If you want to see more, the new SAP Connect virtual sessions are now live, and SAP TechEd starts October 27, in person and online. You can also request a demo of Joule Work and SAP Business AI Platform.

Brenda Bown is chief marketing officer for SAP Business AI Platform and Joule.

Supply chain teams never lack decisions to make. What they increasingly lack is time. 

I’ve spent most of my career building supply chain technology to drive business outcomes at scale. Earlier in my career, nobody was talking about AI. But I was helping build what we’d now call an autonomous supply chain.

At scale, manual decision-making simply cannot keep pace with growing consumer expectations. That’s why the next phase of supply chain AI needs to move beyond analysis to help organizations turn insights into action across the processes and applications that move goods. 

Decision velocity: where supply chain speed is won or lost 

Even the most intelligent supply chains can struggle to turn a meaningful signal into a well-governed response. I think of that as decision velocity: how quickly an organization can recognize change and coordinate the right response based on relevant business context. 

In supply chain, decisions are inherently interconnected. Planning affects manufacturing, which depends on product and asset readiness, suppliers, logistics partners, and more. I hear this from our customers today: each decision could be rational; the sum of them was not. 

AI can automate individual tasks, but isolated intelligence only creates isolated value. 

Agents need to understand how a decision in one domain affects the next. That’s where supply chain applications become critical, providing the business context, connected processes, and controls that agents need to act. 

New Joule Agents extend AI across the supply chain 

This year at SAP Connect, we’re expanding the capabilities of six Joule Assistants introduced earlier at SAP Sapphire and adding specialized Joule Agents that can take on critical supply chain tasks. These capabilities will help organizations respond faster and automate more routine work while keeping people at the center of informed decision-making: 

• The Product Design Assistant will be able to interpret product designs, recipes, and specifications and orchestrate compliant product changes, helping accelerate time to market. 
• The Supply Chain Planning Assistant will help planners sense, simulate, and resolve exceptions in a single workspace, helping teams understand downstream impacts and address disruptions before they ripple across the enterprise. 
• The Manufacturing Assistant will help teams respond to plant-floor disruptions as they happen, while new capabilities in the Logistics Assistant span warehousing, outbound optimization, fulfillment, and transportation dispatching, helping turn logistics insight into action.  
• New agentic capabilities for the Asset Operations Assistant will help translate equipment and maintenance signals into action by supporting the initiation, screening, and simulation of maintenance requests. And the Business Network Assistant will improve collaboration with suppliers and logistics partners in areas such as sourcing, contracting, and exception handling. 

What connects these scenarios is the ability for agents to operate within the business context already governing the supply chain, so an insight in one area can inform the next and, when authorized, trigger coordinated action. General availability for these new capabilities is planned for Q4 2026. 

Customer results show autonomy taking hold 

Customers are already putting this shift into practice.  

Takeda Pharmaceuticals will use the Supply Chain Planning Assistant to help pinpoint likely causes behind planning issues and propose corrective steps, supporting adaptive planning processes over time.  

Rebecca Kaufmann, senior vice president and head of Enterprise Platforms at Takeda Pharmaceuticals, said, “We are combining the SAP industry and technology knowledge with our organizational real-life experience. The Supply Chain Planning Assistant will provide us with AI-detected root causes and AI-suggested remediation and also automated performance tracking resulting in a self-healing capability.”  

Doehler, a global producer of natural ingredients for the food, beverage, life sciences, and nutrition industries, is applying AI to logistics issue resolution.  

Stephan Schissler, CIO at Doehler GmbH, says, “Our people’s greatest value lies in deciding what to do next—and now they can focus entirely on that. The Logistics Issue Resolution Agent detects the root cause, recommends the resolution, and turns a multi-hour firefight into a one-click decision. Our logistics team has recovered roughly a third of the time once lost to troubleshooting, and our processes are becoming self-resolving rather than exception-driven.” 

This is how autonomy delivers practical value: moving from manually managing exceptions toward more intelligent supply chain processes. 

Building autonomy on a foundation of trust 

As AI takes on a greater role in supply chain decisions, trust must be built into how it operates. Leaders need to understand what AI decided and why, define what it is authorized to complete, intervene when necessary, and know who is accountable. 

That is the direction behind everything we are introducing at SAP Connect in 2026. By grounding Joule Assistants and their agents in the processes and data of the SAP Supply Chain Management portfolio, we can help organizations move from insight to coordinated action while keeping people at the center of the decisions that matter most. 

For supply chain leaders, that is where autonomy becomes tangible: less time spent on routine work and resolving exceptions, faster responses when conditions change, and more time for the strategic decisions that strengthen resilience, efficiency and customer value. 

Ultimately, it comes down to decision velocity you can trust. 

Devesh Mishra is general manager and chief product officer for SAP Supply Chain Management.