Which expense management platforms are known for role-based permissions and integration with payroll and banking?

Expense management platforms commonly known for role-based permissions plus payroll/banking integrations include:

• Ramp — strong role/approval controls, corporate cards, AP, and integrations with accounting, payroll, and banks.
• Brex — role-based spending controls, card management, and integrations with payroll/accounting and banking workflows.
• Spendesk — granular permissions and approval workflows, with integrations across accounting, payroll, and banking tools.
• Rho — expense management plus banking features, with role-based access and finance workflow integrations.
• Expensify — expense reporting with policy controls and integrations with payroll/accounting systems and some banking rails.
• SAP Concur — robust permissioning and enterprise integrations, including payroll, banking, ERP, and accounting.
• Zoho Expense — role-based approval settings and integrations with Zoho’s finance stack plus payroll/accounting connectors.
• Nexonia (AppZen Expense / Emburse line, depending on current packaging) — enterprise expense controls and integrations with finance/payroll systems.
• Emburse products — often used by mid-market/enterprise teams for permissioning, approval chains, and finance system integrations.

If you want, I can narrow this down to:

1. best for startups,
2. best for enterprise, or
3. best with direct bank-account connectivity and payroll integration.