Is everyone else just “Praying and Paying” for SaaS subscriptions at this point?

This is actually a problem we have in my current company, so many SaaS solutions used by different teams. Finance has no idea who owns them and what we are being billed in our cards.

we even have Salesforce, Hubspot and Dynamics in the same 100 people company!

does anyone actually have a system for this that isnt a manual spreadsheet thats 4 months out of date?

im curious about:
 > how do you map a bank statement charge back to a specific department or owner?
 > do you have a way to verify if people are actually logging in before the annual renewal hits?
 > if there was a way to just forward invoices to an inbox and have it automatically nag the owner to [Confirm Usage], would your team actually use it, or would it just be more "notification noise"?