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  • In this episode of the Digi-Tools in Accrual World podcast, brought to you by The Digital Disruptors and sponsored by XLedger, we dive headfirst into the cutthroat world of business advisory - who has the edge, accountants or business coaches?

    The word on the street is banks may have lost their mojo with accountants, prompting a wild 47% to feel as nervous as a cat in a room full of rocking chairs when it comes to business banking.

    We have app updates galore from MIMO, Pleo, ApprovalMax, and Xero, and the lowdown on the Xero Beautiful Business Fund 2024 winners who are redefining awesomeness in business.

    Plus, discover why multi-banking is the new black for SMEs and a whole lot more!

    Don't forget to like, share, follow, and send us your thoughts! ✉️

    00:00 Coming Up…

    01:32 Welcome!

    App News

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    09:19 MTD Thresholds Dropping

    16:10 Xero Beautiful Business Fund 2024

    19:20 Mimo Release

    24:09 AML HQ Launches in the UK

    26:31 Pleo Releases

    27:40 Approval Max Pricing Updates

    28:49 New in the Xero App Store

    32:52 Allica - The growing chasm between accountants and bank relationship managers

    42:53 Drew Moyes - Friendliness, Community and Simplicity for MTD

    50:51 Outro

  • The £9 Billion Missing for UK SMEs - PLUS App News, Dan Cockerton and Johann Goree

    Join John, Ryan, and Indi as they review John’s creepy merch ideas, find out how SMEs are missing out on billions and share the latest app news, including updates from Adsum, Modulr, FreeAgent, and Firmcheck. Hear about Tide's strategic acquisition, Acumatica's new release, and more.

    Plus, find out why Engager.app's Johann Goree is celebrating their big win at the Digital Disruptor Awards and what it takes to overcome major life hurdles to deliver an industry defining event.

    And don't miss the banter, from bath time chat to ginger walrus facts, this episode has it all!

    There's more info on the savings interest SMEs are missing out on and the Allica Bank report here: https://www.savingssqueeze.com/

    00:00 Coming Up

    02:04 Welcome

    App News

    ~~~~~~~~~~~~~~~~~~~~~~~~~

    09:25 Adsum Upcoming Beta Test

    11:31 Modulr Batch Management Release

    12:33 FreeAgent Binning Paper Notices

    13:36 MTD Updates

    20:18 Acumatica

    21:45 Tide Acquiring Again

    27:04 Allica - £9bn in missing interest

    42:31 Overcoming huge obstacles, to do what's never been done before - Dan Cockerton

    46:39 Where are the next tech innovations coming from? Release of the Year winner Johann Goree

    01:03:00 Rate the podcast!

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  • Join us for another laugh-filled yet insightful episode of Digi-Tools in Accrual World from the Digital Disruptors!

    We cover the latest in accounting tech, featuring Caseware's AiDA digital assistant, Summa Tech's snazzy onboarding upgrades, and Dext's new approval functions. Plus, hear from the unstoppable Eriona Bajrakurtaj at her Volt launch, promising to make digital transformation easier for many accounting and bookkeeping firms.

    With quirky anecdotes, LEGO likenesses, and some 'instant banter', this episode is a rollercoaster of tech talk and humour. Don't miss out!

    00:00 Coming up…

    02:41 Welcome!

    ~~~~~~~~~~~~~~~

    App News

    09:05 Caseware Digital Assistant

    11:47 Summa Tech Onboarding Enhancements

    16:36 Dext Senior Hire

    18:50 Dext Approvals

    21:09 The Payroll Site closing its doors

    24:43 Sage Research Insights

    27:53 IRIS Practice in a Box

    36:22 Banter Stimulant

    38:46 Eriona Bajrakurtaj - Digitally Transforming a Profession

    43:25 Leave a review!

  • In this episode, we’re joined by Kayleigh Graham from Telleroo, who’s here to drop some serious knowledge bombs on scaling payments services, avoiding app disasters, and how not to detail your digital transformation.

    Kayleigh also gives her take on the 'influencer' debate which has continued since the Digital Disruptor Awards in September.

    We also bring you the latest app news — from Series A raises to HRMC and the EU making splashes in the fintech scene.

    00:00 Coming Up...

    03:01 Hello!

    App News

    ~~~~~~~~~~~~~~~~

    08:01 EU Action on AI Regulation

    11:49 Adfin Eyes Payments Pain

    15:55 NetSuite’s SuiteProjects Pro Offers AI Insights

    17:42 Digital Transformation at HMRC

    19:41 Ex-Revolut Team Raise Funds for New AI Startup

    22:23 Sage Adds Refunds + Partial Payments to Sage Accounting and more...

    23:52 CCH Unveils iFirm Validate Tool

    27:50 Kayleigh Graham - Payments, DEI & Influencers

  • Welcome to another thrilling episode of Digi-Tools in Accrual World —the podcast where accounting meets tech trends, professional updates, and occasionally funny banter.

    In this episode, we’re blending personal milestones, with global business expansions, Intuit's shiny new enterprise suite, and the lowdown on fresh Xero apps like Cone Practice Management and Viable. We also talk funding—$28 million for Numeric to be exact—and sprinkle in some awards, like the Deity Award for Richard Sergeant (yes, a literal deity… sort of).

    We’re diving into AI, talking to industry rockstars like Matt Lewns from iplicit, and tackling everything from dashboards to... fashion critiques.

    All this while trying to be funny, insightful, and definitely a bit ridiculous…

    00:00 Coming Up…02:00 Hello!

    ~~~~~~~~~~~~~~~~~~App News05:24 Intuit Enterprise07:39 New to the Xero Marketplace09:04 - Xero + Klarna12:48 - Xero Dashboard Update15:25 - Active Workpapers Updates16:37 - Client Window Update17:30 - Numeric Raise

    31:41 AE Awards – Best Dressed

    35:35 Digital Deity – Richard Sergeant44:14 Digital Marketer of the Year – Jordan Vickery

    59:39 Like and subscribe!

  • We’ve got the juiciest app news with the iconic Xero snapping up Syft Analytics, Starling Bank's shocking customer checks, and Apron serving up security enhancements like it's going out of style.

    We talk with Heather Smith dishing about travel, ACCA elections and the rise of accounting influencers.

    From modern ERP insights with Matt at iPlicit to John spilling the beans (or honey) on his anti-inflammatory concoction, we've got it all. Don't miss this whirlwind episode; it's got more flavour than Manuka honey and more buzz than a bee in a bonnet. Tune in, geek out, and learn how not to get shafted in the world of accounting tech!

    00:00 Coming up...

    02:32 Welcome!

    App News

    07:05 Xero Snaps up Syft

    13:01 Classic Xero Invoice Clash

    14:57 FCA Flying after Starling

    19:10 Apron Security, feature updates and more cash!

    22:45 Access Shopping Spree Continues

    25:53 FreeAgent still full steam ahead on integrations

    28:09 iplicit - Connectivity in modern ERP systems

    34:39 John's Alternative Remedy

    41:59 Shape the Future of the Profession - Heather Smith

    01:03:44 Rate the pod!

  • Welcome to another episode of Digi-Tools in Accrual World! This episode is jam-packed with award-winning geniuses, boundary-pushing fintech updates, and some seriously controversial banter.

    Apron is now FCA authorised, Employment Hero has revamped its packages, and Karbon’s new marketplace is shaking things up!

    Join John, Ryan, and the crew as they reveal the latest news, chat with the winners of the Digital Disruptor awards, and manage to keep keep Ryan’s accents under wraps.

    00:00 Coming up…

    01:24 Intro

    App News

    ~~~~~~~~~~~~~~~~

    04:03 Apron Banking License + Security Upgrades

    08:41 Employment Hero Pricing Bundles

    09:59 Roveel Reporting Enhancement

    12:09 Modulr Partnerships Paying Off

    13:37 Karbon 'Practice' Marketplace

    16:20 - Check yo’ privilege

    Digital Disruptor Award Winners

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    18:41 Jon Gaunt

    23:35 Aaron Patrick

    29:27 Outro

  • Sore heads after the Digital Disruptor Awards (or anticipated sore heads. It’s like Back to The Future)

    This episode of Digi-Tools in Accrual World Podcast has it all! From the aftermath of our mind-blowing awards night to the mysteries of magnesium on feet (yes, you read that right).

    Indi experiments with deep sleep tactics, while Ryan clowns around about winning the 'BWAM of the Year.'

    Plus, we’ve got hot takes on Intuit's AI enhancements, ApprovalMax's new features, and Cin7's latest updates and Allica’s next step on taking over the world.

    Don't miss Chris Downing from Sage and Vipul from Advanced Track giving the first of the post-award reactions.

    Vipul also gives a sneak preview of the future of outsourcing...

    00:00 Keep it professional, John

    App News

    ~~~~~~~~~~~

    07:09 Intuit Doubling Down on AI

    12:10 ApprovalMax Releases

    15:11 Cin7 Releases

    19:09 Allica: Bridging the gap between UK SMEs and funding

    22:42 Mid-Tier Migration Migraine Mitigation - iplicit

    Awards Interviews:

    ~~~~~~~~~~~

    29:33 Double Downing

    35:09 AdvanceTrack Announcement

    41:58 Rate the pod!

  • Welcome back to ‘Digi-Tools in Accrual World’ - the best place to stay up to speed on the world of finance, tech and accounting.

    This episode we debate whether accountants and bookkeepers are leading the charge with AI, laugh about John's beer subscription dilemma, and discuss the magic of Indi’s vegan pies.

    Plus, we geek out over Xero's latest updates, Revolut's new banking license, and iPlicit's rise in the mid-tier market.

    Feast your ears on some witty banter, insightful app news, and tales from the world of digital disruption.

    00:00 Intro

    App News

    ~~~~~~~~~~~~~~~~~~

    02:34 Sage's AI Report

    10:11 Futrli Consolidates

    11:02 Xero Technical Best Practice for Apps

    12:17 Xero Mentor Match

    14:12 Xero New Invoicing

    18:50 Revolut Banking License

    ~~~~~~~~~~~~~~~~~

    21:39 iplicit - getting off entry level systems

    28:09 Beer subscriptions

    31:59 Rate the pod!

  • In this full-throttle episode of 'Digi-Tools in Accrual World,' hosts Ryan Pearcy, John Toon and Indi Tatla, dive into the latest happenings and app news in the UK digital accountancy space.

    From the chilling tales of the North, magnesium foot rubs for better sleep, to rubbing vitamins into bald heads for that 'shiny and glossy' look, we’ve got it all.

    Our guest this week is Phil Hobden who shares his fascinating career journey and insights into the Accounting Tech Forum - the ‘secret’ vendor slack group where accountants aren’t allowed. Sort of.

    Ready for some accounting romance advice and the lowdown on vendor gossip? This episode’s got you covered. Enjoy the laughs and the insights!

    00:00 Intro

    App News

    ~~~~~~~~~~~

    04:30 Intuit Growth

    06:01 Sage Intacct Enhancements

    09:14 Xerocon Nashville Roundup

    12:07 Xero Price Increase

    14:36 New Apps in the Xero App Store

    15:15 Dext Enhancements

    17:50 Wig Wham Bam!

    21:53 Night on the Toon

    28:11 Interview: Phil Hobden - What do vendors talk about in their secret Slack Group?

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    30:26 Phil's Industry Experience

    39:16 AccountTech Forum

    45:45 Blurred Lines and Xerocon Babies?

    52:07 Event Fatigue

    01:03:09 Outro

  • Back again with another pod and the latest App News from the accounting tech space - including everything from the much-anticipated Digital Disruptor Awards to the latest updates from Xero, QuickBooks, and more.

    Ryan juggles the chaos of a newborn, while John reminisces about tent life and questionable camping experiences - in stark contrast to Indi's adventures with mostly-indoor Danish hospitality and colossal steaks.

    All this, sprinkled with our usual tangents about mermaid statues, passionate embraces, and an egg-splitting science lesson.

    Grab your ticket to the awards coming up in September! https://www.digital-disruptors.com/awards

    00:00 Hello!

    App News

    ~~~~~~~~~~~~~~~~~~~

    03:19 Bundle Blunder?

    08:47 Intuit Making Trade Gecko Stick

    12:40 XBert gets more expert

    15:30 Dext Precision Customisation

    19:22 Deputy Dawg

    20:50 FreeAgent Timesaving update

    21:56 Intercompany Turf War Brewing?

    24:51 John's Tent Trip Debrief

    33:10 Rate and subscribe!

  • The Digital Disruptors are back again (mostly) with another update on all things cloud accounting.

    As we navigate the holiday madness, new tech debuts, recruitment Tinder and a plethora of “plethoras” - we’re asking for your support in nominating the great and good of the UK accounting tech scene.

    Nominations for the Digital Disruptor Awards close tomorrow evening - get your nominations in here:https://forms.gle/8L3JZ4KNq7D5NGS49

    00:00 Intro

    ~~~~~~~~~~~~~~~~~~~~~

    App News

    05:16 Silverfin Spotted Hunting in Australia

    07:48 Sage Wars: The AI Awakens

    10:35 I Love Lucy

    11:29 Gary Potter and The Prisoner of AI-zkoban

    13:53 Return of the Jack

    15:20 QBO HMRC CIS API! (wtf?)

    16:11 Please, Xero - Can I Have Some More Apps?

    19:36 The Tinder for Recruitment - Employment Hero

    27:54 Get off My Land!

    34:32 Interview - Silverfin & MYOB, Sitting in a Tree

    51:32 Leave a review (and don’t forget to nominate!)

  • Are Fintechs moving too fast to keep cybercriminals out?

    This time we’re talking compliance! And not your boring, garden variety compliance (although Indi probably has some of that on the grounds somewhere).

    No, the kind that leaves the door open for some cockwomble in a server dungeon to steal tens of thousands of pounds if it’s not done properly.

    Yeah - that’s sort of compliance.

    Bad actors, or fintechs asleep at the wheel? Let’s find out…

    Also - the question on everyone’s lips - what colour is Indi’s aura? All will be revealed in the pod!

    0:00 Hello!

    01:58 Foraging in Indi's back garden

    ~~~~~~~~~~~~~~~~~

    App News

    04:05 Tech Layoffs - Intuit (and Dext?)

    07:29 Dext Upcoming Releases

    08:41 Allica way you move

    10:24 New App: Briefcase

    12:11 New App: Pinvo

    13:44 Cone as you are

    16:34 Free Market FreeAgent

    17:41 45 mins of Xero Releases

    20:50 BrightPay Cloud Enhancements

    22:28 OpenTax from Adsum

    26:01 New Advisory Service Opportunities - Employment Hero

    31:32 I'm Auright, you're Auright

    34:20 Fintech - Fast and Furious

    40:22 Fintech - Fast and Furious- Alex Falcon

    59:56 Rate the pod!

  • We quickly avoid Indi’s bunker to get the latest news in the accounting tech space for disruptors involved in digital transformation.

    We also bring you a session from the Digital Digest - with a deep dive into practical AI tools for your accounting or bookkeeping practice.

    Kevin Fitzgerald returns to chat about the huge opportunity in Outsourced Payroll and John’s aura remains a mystery.

    00:00 It's not that big!

    01:49 Intro

    ~~~~~~~~~~~~~~~~~~

    App News

    05:05 Bright Eyes My Workpapers

    06:49 Yes, it's a Dextender!

    09:36 AirWallex and QBO

    11:20 Xero For Education

    12:41 Netsuite for Healthcare

    14:17 Xero App Marketplace Updates

    16:22 Xeinadin: It's time for Sage and Onion... And I'm all Out of Onion.

    ~~~~~~~~~~~~~~~~~~

    18:16 The HUGE Outsourced Payroll Opportunity - Employment Hero

    25:33 John's Brown Aura

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    28:55 AI in Practice Tools

    30:28 Eliminate Email

    32:33 Trash The Timesheets

    33:47 Examples of a leading vendors in AI

    35:52 Automated Audit?

    39:56 Tackling Tax

    42:14 Rumbles in America

    44:24 Skynet for Accountants

    ~~~~~~~~~~~~~~~~~~

    48:41 Rate the pod!

  • Wrapping up the events-season, we recap Xerocon and the Engage conference, as well as hearing from Kevin Fitzgerald at Employment Hero about their recent comms FUBAR, the usual App News and part two of Celso Pinto's revealing interview!

    In this jam-packed episode, John Toon, Indi Tatla and Ryan Pearcy catch up on their latest misadventures at Engage in Vegas and Xerocon.

    From needing makeup (yes, really!) to debating podcast rivalries and innovations in the app world, strap in for another informative and hilarious ride!

    Also, we dive into the future of AI in accounting (probably a different take to what you've already heard) from the eyes of successful tech founder.

    Don't miss out on app news, and updates you need to stay on top of your game! Join us, subscribe, and let's disrupt digital accounting together!

    00:00 "Mr Pearcy to hair and makeup, please"01:00 Welcome to Digi Tools in Accrual World!

    05:22 App News~~~~~~~~~~~~~~~~~~~~~~~~05:29 Xerocon Announcements09:38 ...more Xero updates10:52 Intuit keeps eyes on the road12:19 MailChimp 👉 MailChamp?14:12 Quickbooks - new invoice send method15:20 Sage for Accountants: Lots of updates16:46 FreeAgent Mobile Update17:53 Syft AI Launched19:07 Accounts IQ gassing up the tanks to keep the mid-market interesting23:27 ApprovalMax taking it to the... Max26:53 Dext Collects27:58 Silverfin - FRS105 and CH sync29:40 "There are only two ways to make money in business..."

    33:57 Employment Hero - Comms SNAFU41:05 US Podcast Beef

    41:58 Celso Pinto - Part 2~~~~~~~~~~~~~~~~~~~~~~~~42:22 Raising Seed Money44:57 Emerging Competitors47:14 How could AI shock the profession58:02 Exiting Pixie01:00:06 Finding the right leaders at the right time

    01:07:48 Leave a rating! 😃

  • Buckle up and join us for a rollercoaster episode straight from the sizzling streets of Las Vegas with the latest in accounting and finance tech!

    John Toon navigates Eurovision vibes, European-style sunbathing and sky-high Starbucks prices at Engage conference.

    Along with the latest App News and updates from FreeAgent, do not miss Pixie co-founder Celso Pinto's insights on starting, building and exiting from Pixie in the noisy, noisy marketplace of accounting tech.

    00:00 Looney Toon's Vegas Adventure03:47 Intro

    App News~~~~~~~~~~~07:26 Intuit's Impressive Quarterly Results10:41 Xero's Strong Financial Year15:00 Sage's Net Zero Targets and ESG Reporting20:10 Sage Partnering with DonerPerfect21:27 Sage Intact's New Features and Updates25:28 Xero's Pricing Plan Changes32:04 HG's Acquisition of AuditBoard

    33:55 FreeAgent - Tony Stevenson: Why Digital Transformation is a Team Sport39:38 What Happens in Vegas Better Stay in Vegas

    Interview: Celso Pinto~~~~~~~~~~~42:12 Celso's Origin Story49:24 Starting Pixie53:33 Making Tough Product Decisions

    01:10:08 Like, subscribe and rate the pod! 😃

  • Welcome back to the Digi-Tools in Accrual World podcast!

    Join us as we throwback to Accountex, where Ryan decided to desert us for the peaceful woods.

    Indy lost her voice, John was knackered - but thankfully we had some stellar help from the Systems Advisory Network.

    As always, this episode covers the latest in app releases, raises and acquisitions

    Plus, we see which of us can delay mastication the longest.

    Special shoutouts to our Accountex saviours: Dayle, Julie, and Keaton.

    00:00 Intro

    App News:~~~~~~~~~~~~~~~~~~~02:09 Lightyear Acquired03:19 Access Group's Acquisition Strategy and Ecosystem05:00 Canopy + Practice Management AI Innovations08:22 Layer's Ambitious Goal to Replace QuickBooks10:21 FreeAgent's New Integrations and Updates11:54 FYI Elite: A New Era in Practice Management?13:03 Why iplicit are a great employer14:06 Everyone’s favourite Xero update…14:51 Quickbooks Ledger15:18 Valid8me… validated15:51 Sage's CoPilot and AI Developments18:01 AirWallex Bill Pay Solution Integrated with Xero19:36 Mercia and Inflo's Partnership21:15 Ember and HSBC UK's Embedded Finance Partnership22:35 TaxCalc Expands with Group Reporting~~~~~~~~~~~~~~~~~~

    24:25 FreeAgent Tortoise or Hare?

    29:42 Delayed Marshmallow Mastication

    System Advisory Network: Accountex Retrospective~~~~~~~~~~~~~~~~~~32:58 Introduction33:32 Insights from Dayle and Julie34:42 Keaton's Experience and Reflections35:39 Diverse Queries and Solutions36:54 The Digital Disruptors Network37:35 Conversations and Networking at Accountex43:16 Exploring New Technologies and Vendors51:27 Outsourcers As Far As The Eye Can See!55:39 Final Thoughts and Future Plans~~~~~~~~~~~~~~~~~~

    01:02:56 Rate the pod!!

  • #S4E10

    Wading through the post-conference blues (before the big blue conference) we’re back with another episode!

    In App News:

    0:04:28 Allica Bank's New Partnerships Team

    0:05:50 Closure of Influential Women's Tech Network

    0:07:40 Highlights from the Xero Awards

    0:09:42 New Features and Updates from Xero

    0:10:54 Xero Small Business Index

    0:12:29 Planday AU

    0:14:07 Payhawk + Amex

    0:15:04 Soldo + Triver

    0:15:45 WorkflowMax Data Transition Issues

    0:17:06 Client Engager and Tax on Demand Partnership

    0:17:51 NetSuite's Generative AI Features

    0:20:00 Funding News: Tabs and Sumday

    0:23:47 Acquisition of Inventoro by Cin7

    0:25:10 Active Workpapers' New Features

    This episode’s guest is (now former) Xero MVP Lauren Harvey from Full Stop Accounts. Lauren shares some incredible stories, from her unique career journey and significant industry shifts to promoting better human connections and tackling menopause challenges in a high performance environment - something everyone should know more about.

    Less inspirational is Ryan’s funky spunky garden problem and bringing the ‘tone’ back up again is our friendliest sponsor - FreeAgent!

    Be sure to rate, like and subscribe to the podcast and get in touch with us at www.digital-disruptors.com/

  • The legendary Tony Stevenson from FreeAgent joins us on the podcast this week. Voted the friendliest accounting tech software, we're putting the spotlight on the host of new features they're releasing over the last few months. Watch this space to hear and see more!

    Also Jordan Vickery reveals the growth playbook for accounting techs looking to shore up adoption success post the host of accounting events.

    And in app news this week is a skinny:

    HMRC to replace government gateway - https://www.accountingweb.co.uk/tech/tech-pulse/hmrc-to-roll-out-government-gateway-replacementGovernment fund for AI skills - https://www.accountingweb.co.uk/tech/tech-pulse/government-fund-offers-accountants-ai-skills-upgradeEmployment Hero acquires - https://www.linkedin.com/pulse/employment-hero-wants-give-employers-time-back-so-we-company-ben-tlxkc/Mimo launched - https://www.linkedin.com/posts/alexander-gernandt-segerby-31818a6b_extremely-proud-to[…]041588203521-Om8u?utm_source=share&utm_medium=member_desktopIplicit for housing associations - https://www.iplicit.com/blog/iplicit-helps-housing-associations-as-they-face-digital-transformationIplicit updates partical vat calculations - https://www.accountingweb.co.uk/community/industry-insights/iplicit-unveils-more-time-saving-features-to-help-charities-tackle
  • Have you caught the news on the latest apps in the market? There are some new kids on the block in payment automation apps, and we're keen to hear from some of the OGs to find out their perspectives and lessons learned on market trends/adoption over the last two years. We spend some time with Joe Lines, CEO of Nook, to talk about tech innovations, future features and the appetite from SMEs for more.

    Tune in if you're looking to compare the market on AP or AR automation.

    We also spend some time with Vipul Sheth, whose upcoming pre Accountex event is imminent. If you're not on his list and want to see whether you'd benefit then here's 8 minutes from the man himself.

    Finally app news this week:Phil Hobden joins Silverfin - https://www.linkedin.com/posts/philhobden_accountex-accountants-fintech-activity-7181574519524839424-FrEF?utm_source=share&utm_medium=member_iosDiya Jolly promoted to CPTO - https://www.xero.com/uk/media-releases/diya-jolly-promoted-chief-product-and-technology-officer/Five vendors for MTD ITSA release - https://www.accountingweb.co.uk/tech/tech-pulse/five-vendors-available-as-hmrc-readies-mtd-itsa-testing-relaunchSpendesk acquires Okko - https://www.pymnts.com/acquisitions/2024/spendesk-adds-procurement-to-spend-management-platform-with-okko-acquisition/Xero new invoicing - https://blog.xero.com/product-updates/xero-invoicing-smarter-flexible-future/Syft updatesScrutton Bland acquired by Sumer - https://www.accountancyage.com/2024/04/10/sumer-expands-scottish-and-northern-english-footprint-with-merger-of-eq-and-douglas-home-co/