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Lumora
Shadow AI spend management

Find shadow AI spend before it becomes permanent budget.

Lumora gives finance teams visibility into ungoverned AI subscriptions and spend leakage across existing cards, SaaS, AP, and reimbursement workflows — without replacing a single system.

  • No card migration
  • Read-only access
  • Scoped diagnostic
  • Security review before pilot

Start with a scoped 7-day Leakage Map, then a 90-day Control Pilot. No card migration. No multi-year lock-in.

How shadow AI spend hides from finance

Shadow AI spend usually starts with good intentions and weak attribution. Teams test tools quickly, approvals lag, and spending appears as recurring line items with mixed ownership spread across cards, reimbursements, and SaaS admin.

Lumora surfaces this by mapping AI-related spend to source signals and finance context — so finance teams can decide whether each tool is approved, duplicative, or avoidable, not just that it exists.

Signs your team has shadow AI spend

Any one of these is enough to warrant a structured review. Most finance teams find several at once.

  • AI tools are being purchased off-policy on cards or reimbursement
  • Multiple ChatGPT, Claude, or Midjourney subscriptions exist with unclear ownership
  • Usage and subscriptions are not tied to departments, teams, or approvals
  • Renewals continue for AI tools that no one uses
  • AI spend appears in finance after delays and misses review cadence

How Lumora surfaces shadow AI spend

Visibility first, enforcement second. Finance stays in control at every step.

Step 1

Connect spend sources

Pull available card statements, SaaS data, AP records, and reimbursements into a single view. Shadow AI is invisible when each source is reviewed in isolation.

Step 2

Identify shadow transactions

Detect policy exceptions and ungoverned AI purchases with source-level context — vendor, amount, employee, department, and recurrence.

Step 3

Separate useful from avoidable

Group spend by employee, department, vendor, and usage signal so finance can decide what is approved, duplicative, or avoidable — not just flagged.

Step 4

Model before enforcing

Simulate policy changes against the last 90 days before activating any controls. Finance leadership reviews the projected outcome before anything goes live.

Common questions

Shadow AI spend management questions

Direct answers for finance teams trying to control AI spend without replacing a working card or finance stack.

What is shadow AI spend management?
Shadow AI spend management is the process of finding AI tools and subscriptions used without clear governance or approval visibility. Lumora surfaces off-policy AI spend, ownership gaps, and potential control points across existing finance sources.
How does Lumora find shadow AI spend?
Lumora correlates card activity, SaaS sources, AP context, and reimbursement context where available, then flags AI tools with unclear ownership, duplicates, or recurring charges that do not match policy.
Is shadow AI management a generic AI discovery tool?
No. Lumora is a finance governance layer for spend and policy visibility, not a discovery or model-management system. It is strongest when a finance team needs spend leakage control without changing core finance systems.

Bring shadow AI spend into the open.

A 7-day Leakage Map surfaces ungoverned AI subscriptions, flags policy exceptions, and gives finance a reviewable picture — on your existing data, no card migration required.

  • No card migration
  • Read-only access
  • Scoped diagnostic
  • Security review before pilot