I like to start with the payoff first... and let my client or colleague assert that they would love to pursue that kind of outcome. Something like "Would it help you guys if you could somehow deal with your receipts as you buy things rather than later back at the office?"
Also, depending on the person, I might respond as if I am going to look into it... so it doesn't come off like I had a pre-decided solution. That way they don't feel I'm just selling a particular product or way of doing things that *I* want.
Either way, if they can envision what the change will improve for them, and they can truly see that it is relieving a pain-point, then *how* we get there and the learning curve they may need to deal with becomes less of a barrier.