Introducing Joiin AI: Instant intelligence built in
Joiin AI adds real time intelligence to your existing workflows, helping you keep track of shifts in performance and build more insightful reports with ease.
FINANCE TEAMS WANT FASTER ANSWERS, CLEARER COMMENTARY, AND REPORTING THAT KEEPS PACE WITH THE BUSINESS. TO SUPPORT THIS SHIFT, WE ARE INTRODUCING JOIIN AI, POWERED BY OUR NEW JOIIN INTELLIGENCE ENGINE. IT BRINGS REAL-TIME INSIGHTS AND ANALYSIS DIRECTLY INTO THE JOIIN PLATFORM, TO HELP YOU REPORT SMARTER AND STAY AHEAD OF PERFORMANCE SHIFTS.
You’ll start to see the Joiin AI icon across reports, report packs, and dashboards
from today. Wherever the icon appears, you can ask questions, generate summaries, or get help structuring your reporting. Everything runs within a secure, controlled, and fully auditable environment aligned with our AI and data policies.
Smarter reporting as part of your workflow
Joiin Intelligence is designed to work quietly in the background until you need it. It draws on financial and non-financial data, checks the context, and returns clear explanations linked back to the underlying num-
bers. Whether you report at entity level, across multiple entities, or through a wider operational dataset, Joiin AI helps surface what matters.
You can ask about trends, anomalies, performance movements, or variances. You can generate narrative commentary for any report. You can even create a full report pack simply by describing its audience and purpose. Joiin AI recommends sections, layouts, KPIs, and time periods, giving you a strong starting point without the blank page.
Find out more
QuickBooks powered by the Intuit platform
WHO'S IT FOR? QUICKBOOKS ONLINE CUSTOMERS, AND ACCOUNTANTS AND BOOKKEEPERS SUPPORTING THEIR QUICKBOOKS ONLINE CUSTOMERS.
This November, exciting innovation is coming to QuickBooks Online that will transform how you and your clients work, allowing for seamless collaboration and enabling you to work smarter and faster.
The QuickBooks that you know and love isn’t going
away—it’s evolving into a more powerful business solution that will unlock next-level efficiency for you and your clients.
Powered by the Intuit platform, a reimagined QuickBooks will bring:
• AI experiences to help automate tasks and workflows
• A smarter dashboard to surface tools, data, and proactive insights
• New features to help your clients do more on a single solution
Exciting innovations are coming to QuickBooks Online in November as part of our vision to deliver an endto-end platform that helps businesses improve productivity and profitability.
We’ve started the phased rollout of the early access experience to give you and your clients a taste of what’s to come. Our early access programme will give you the chance to try out the refreshed look and feel with the reimagined dashboard.
Find out more
E’RE THRILLED TO ANNOUNCE THE WINNERS OF THE 2025 GLOBAL APP AWARDS! THESE AWARDS ARE DESIGNED TO SHINE A SPOTLIGHT ON THE MOST INNOVATIVE AND IMPACTFUL APPS WITHIN THE XERO APP ECOSYSTEM. IT’S A HUGE HONOUR FOR OUR APP PARTNERS AND
AN INVALUABLE GUIDE FOR SMALL BUSINESSES AND ADVISORS LOOKING FOR TRUSTED, HIGHLY RATED SOLUTIONS.
This year marked our first unified global program, bringing consistency and amplifying recognition for app partners worldwide.
We have global winners across each category, as well as regional winners for Small Business App of the Year and Practice App of the Year. Read on to meet all of 2025’s winners and finalists!
Finance in Flow: Winter 2025 Product Updates
OUR WINTER 2025 RELEASE IS DESIGNED TO KEEP FINANCE IN FLOW – HELPING TEAMS MOVE FASTER, STAY COMPLIANT, AND KEEP SPENDING UNDER CONTROL. FROM SMARTER TRAVEL MANAGEMENT TO STRONGER AUTOMATION AND RICHER REPORTING, THESE UPDATES MAKE EVERY STEP OF FINANCIAL OPERATIONS SMOOTHER AND MORE CONNECTED.
Business Trips: Manage travel spend end-to-end
Business travel can be complex, with funds, ap-
XU BIWEEKLY - No. 119
Newsdesk:
If you have any news or updates that you would like us to consider for inclusion in the next edition of the XU Biweekly, please email us at: newsdesk@xumagazine.com
CEO: David Hassall
Managing Editor: Wesley Cornell
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Creative Assistant: Victoria Young
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‘Xero’ is a trademark of Xero Limited (New Zealand). XU Biweekly and XU Magazine is collaboratively produced by an independent group of Xero users and is not affiliated in any way with Xero. All other trademarks are the property of their respective owners.
© XU Magazine Ltd 2014-2025. All rights reserved. No part of this publication may be used or reproduced without the written permission of the publisher. XU Biweekly is published by XU Magazine Ltd (08811842), registered in England and Wales. Registered office: Office 1, Brunswick House, Brunswick Way, Liverpool, L3 4BN, United Kingdom. All information contained in this publication is for information only and is, as far as we are aware, correct at the time of going to press. XU Magazine Ltd cannot accept any responsibility for errors or inaccuracies in such information.
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provals, and receipts scattered across systems.
Business Trips brings everything together in one structured workflow. Employees can now request funds for an entire trip –including flights, trains, taxis, and hotels to meals and daily expenses – all in one place. Built-in policy checks flag potential issues before they occur, keeping spending compliant throughout. Managers can create or approve trip requests with just a few clicks, while Finance gets complete visibility over all planned travel and liquidity across the organisation.
Key Benefits:
• Request, approve, and manage trip funds within a single workflow.
• Ensure compliance with built-in policy checks.
• Gain a single, structured view of all planned travel.
• Release funds according to travel dates and needs.
SAP Concur Integration:
One connected T&E experience
We are proud to announce that Soldo is now an SAP Concur Certified Partner.
Find out more
Get a clearer view of your finances, faster: Get a first look at automatic bank reconciliation
WE’RE THRILLED TO ANNOUNCE THAT XERO’S NEW AUTOMATIC BANK RECONCILIATION FEATURE (POWERED BY JAX) IS ROLLING OUT, GLOBALLY, IN BETA THIS WEEK. THIS POWERFUL NEW CAPABILITY DELIVERS THE NEXT CHAPTER IN OUR VISION FOR JAX, YOUR AI BUSINESS FINANCIAL SUPERAGENT.
At Xerocon, we shared our vision for evolving JAX into an AI financial superagent, orchestrating multiple agents behind the scenes, to empower smarter decisions through a reimagined experience, automated actions and workflows, and actionable insights on Xero’s trusted, agentic platform. Automatic bank reconciliation delivers a key part of that vision: moving from manual work to automated actions and workflows that are ‘Just Done – with your control’.
Manual tasks like data entry and bank reconciliation take up valuable time and in-
Announcing the Global App Award Winners
WE’RE THRILLED TO ANNOUNCE THE WINNERS OF THE 2025 GLOBAL APP AWARDS! THESE AWARDS ARE DESIGNED TO SHINE A SPOTLIGHT ON THE MOST INNOVATIVE AND IMPACTFUL APPS WITHIN THE XERO APP ECOSYSTEM. IT’S A HUGE HONOUR FOR OUR APP PARTNERS AND AN INVALUABLE GUIDE FOR SMALL BUSINESSES AND ADVISORS LOOKING FOR TRUSTED, HIGHLY RATED SOLUTIONS.
This year marked our first unified global program, bringing consistency and amplifying recognition for app partners worldwide.
Learn more about the Innovation App of the Year winners and finalists in the Xero App Store.
Emerging App of the Year: Global
This award celebrates newer apps (under two years old) that show strong early growth and great potential.
• Winner: Subsync by Finlert
• What it does: Subsync by Finlert simplifies subscription accounting, helping businesses and advisors accurately manage recurring revenue and subscription metrics.
est and most tangible benefits to small businesses in areas like operations, growth, or better decision-making.
• Global winner: Paidnice
• What it does: Paidnice helps businesses get paid faster by automating prompt payment discounts and enabling SMS reminders for invoices.
• Finalists: ApprovalMax, ServiceM8, Synder Practice App of the Year
troduce the possibility of errors that can impact reporting and compliance. That’s why JAX is built specifically for the complex world of finance you navigate every day. Coupled with the robust security you expect from Xero, this specialised intelligence empowers small businesses and advisors to work smarter, together.
This initial release of automatic bank reconciliation will give you a first look at this new capability and we can’t wait to see how it helps you in your day-to-day work.
Meet automatic bank reconciliation, powered by JAX (in beta)
Bank reconciliation is the heart of bookkeeping, and we’re bringing the power of JAX right into it. Soon, JAX will work alongside you to automatically reconcile bank transactions where there’s high confidence, giving you a reliable, up-to-date view of your finances sooner.
Find out more
We have global winners across each category, as well as regional winners for Small Business App of the Year and Practice App of the Year. Read on to meet all of 2025’s winners and finalists!
Innovation App of the Year: Global
This award recognises apps that showcase novel, groundbreaking, or market-defining technologies (like artificial intelligence) in their integration with Xero.
• Winner: ServiceM8
• What it does: ServiceM8 is a field service management app for trades and service businesses, helping them manage jobs, staff, and communication from the first customer call to invoicing and payment. This year, ServiceM8 has rolled out extensive AI features such as an AI phone agent, AI office agent, image generation and so much more to help service businesses do more for their clients while enhancing productivity within the business.
• Finalists: fileAI, Sumday, Socket
• Finalists: Tofu, Vinyl, Jibble
Learn more about the Emerging App of the Year winners and finalists in the Xero App Store.
People’s Choice Award: Global
This is the only category that’s entirely community-driven, honouring the app that was most voted for by Xero’s global community.
• Winner: Mayday
• What it does: Mayday offers tools for accountants and bookkeepers, particularly focusing on client-facing reports and data clean-up, like fixing intercompany loans and simplifying month-end processes.
• Finalists: A2X, Paidnice, Joiin
Learn more about the People’s Choice Award winners and finalists in the Xero App Store.
Small Business App of the Year
This award goes to the apps that provide the clear-
This category honours apps that empower accounting and bookkeeping practices through workflow automation, insightful data, or improvements to overall client management.
• Global winner: G-Accon
• What it does: This app is a powerhouse for reporting and data automation that works directly within Google Sheets, letting you export, upload, and refresh Xero data to build custom reports, consolidate multiple entities, and automate workflows.
• Finalists: Dext, Ignition, Suitefiles
A massive round of applause to all the winners and finalists who are truly making life better for people in small business, their advisors, and communities around the world. Want to learn more about how these award-winning apps can transform your business or practice? Visit the Xero App Store now to explore the full list of apps and see how a powerful connected ecosystem can help drive your success.
Find out more
The latest Soldo features, designed to simplify finance processes, improve travel management, and enhance automation across your business.
November 2025 Expensify product update: Faster
reviews, smarter AI, and fewer clicks
WE’RE ROLLING INTO THE END OF THE YEAR WITH A FRESH BATCH OF PRODUCT UPDATES, ALL DESIGNED TO HELP YOU PROCESS EXPENSES FASTER AND GET MORE DONE WITH FEWER CLICKS.
Whether you’re submitting receipts or managing reimbursements, these new features help streamline your workflow from start to finish.
MIMO TODAY ANNOUNCED THE UPCOMING LAUNCH OF MIMO ASSOCIATE, A FIRST-OF-ITS-KIND AI ACCOUNTING ASSOCIATE DESIGNED TO STREAMLINE AND ACCELERATE MONTHEND CLOSE WORKFLOWS FOR ACCOUNTANTS. THE PRODUCT, CURRENTLY IN EARLY ACCESS WITH OUTSOURCED FINANCE TEAMS OF TOP ACCOUNTING FIRMS, WILL BE AVAILABLE BROADLY IN Q1 2026.
Unlike traditional automation tools that speed up individual tasks, Mimo Associate is built to automate, understand and learn across the full month-end process. In addition to speeding up previously manual tasks, it captures and applies cumulative client knowledge, firm-specific logic and his-
torical decisions, dramatically reducing rework, improving review quality and increasing recovery rates.
Mimo Associate works alongside your existing tech stack across month-end workflows, acting as an AI colleague powered by a coordinated set of task-specific agents. These agents work together to identify & gather missing data, reconcile and categorise transactions, surface anomalies, automate adjustments & journal entries, and prepare clear, review-ready output for accountants. With it, time spent on month-end is reduced by up to 50%, improving recovery rates and freeing up time for higher value work & growth.
Find out more
Review expenses by category or tag
Now you can review expenses by how they’re categorized or tagged, making it easier to check totals and
spot errors.
Concierge AI just got even smarter
Our updated AI agent, Concierge, got a major upgrade and now auto-corrects expense details before you submit them, saving time and reducing approval delays.
Even more workflow upgrades in New Expensify
Bulk actions for faster processing
Select and add unreported expenses to a report in bulk
Find out more
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Penfold has £1 billion in assets under administration
It took us five years to reach our first £500m and just 14 months to double it. A milestone powered by the 120,000+ savers and 5,000 employers who trust us with their pensions every day
A huge thank you to our team, our investors (including so many Penfold customers) and everyone who’s supported us along the way. We celebrated with cake – naturally
AHANDFUL OF HANDY FEATURES ARE NOW LIVE ACROSS ALL PLANS. REVISE PURCHASE ORDERS, CREATE JOBS ON MOBILE, GET A SHARPER MONTHLY SUMMARY REPORT, ADD CUSTOM FIELDS TO WEEKLY TIMESHEETS, AND ENJOY SMARTER CSV IMPORTS.
Purchase orders: revise instead of recreate
• What’s new: You can now edit a PO after it's issued by revising it from the 'options' tab when viewing a PO
• Why it helps: Instead of deleting and re-creating a PO to make a change, create a revised version, edit details, and reissue the PO.
THE OVERARCHING THEMES FOR MYOB PRACTICE COMPLIANCE THIS YEAR ARE CONNECT, EXPAND, AND STRENGTHEN.
MYOB Practice Compliance is our connected, cloud-based solution for MYOB Accountant’s Office and Accountant’s Enterprise (AO/AE) users. It connects client ledgers into a single compliance workflow, including workpapers, financial statements, tax returns, and digital approval portals.
While MYOB Practice Compliance has been rolling out modules and features for several years, 2025 saw it truly come into its own, with the release of all major tax return types on the platform. The Tax in MYOB Practice Compliance module
notes
released more worksheets, connected more workflows, and saw more customers shifting their work online. A total of 25,000 returns were lodged through the platform this year.
Client Accounting evolved, too. Financial reporting for more company structures, AI mapping, and more core workpapers have all helped us lay a foundation for smooth, connected workflows and consistency. The end-goal is a platform that lets accountants manage all their account prep in one place, with simple, standardised templates and automation to accelerate work.
In case you missed anything, here’s a look at some of the most important changes
Expanding and enhancing Tax in MYOB Practice Compliance
For Tax in MYOB Practice Compliance, 2025 has seen two major shifts. First, we’ve taken some big steps — or many smaller steps — toward complete tax compliance coverage on the platform. Pre-2025, you could prepare and lodge major returns in the cloud, but had to go back to MYOB Accountant’s Enterprise or Accountant’s Office (AE/ AO) for specialist returns or worksheets. Bringing more returns online means less switching between platforms and increased productivity for practices.
Find out more
IF YOU’RE A XERO PARTNER IN AUSTRALIA, YOU KNOW THAT COMPLIANCE WORK IS ESSENTIAL, BUT WITHOUT THE RIGHT TOOLS AVAILABLE, IT CAN BE A MASSIVE TIME SINK. WHEN A RECENT XERO SURVEY FOUND THAT MANY AUSTRALIAN FIRMS REPORT SPENDING OVER HALF (51% TO 75%) OF THEIR ANNUAL COMPLIANCE TIME CREATING, REVIEWING, AND MANAGING WORKPAPERS1, WE KNEW THIS WAS A CLEAR SIGNAL THAT THINGS HAD TO CHANGE. WE NEEDED TO FIND A BETTER WAY TO KEEP AN ‘AUDIT TRAIL’ OF IMPORTANT CHECKS AND BALANCES, SUBSEQUENTLY RECLAIMING YOUR VALUABLE TIME THAT COULD BE BETTER SPENT ADVIS-
ING CLIENTS, GROWING YOUR PRACTICES, OR SIMPLY GETTING HOME EARLIER.
Productivity is crucial for a healthy practice. That’s why we’re focused on improving your practice tools and delivering a more seamless compliance workflow. We’ve been listening to your feedback, and are excited to share what we’ve built together.
The evolution of your practice tools
At Xerocon Brisbane 2025 we announced the new Xero Partner Hub as the next evolution of the practice experience for our accounting and bookkeeping partners. By bringing your practice tools
• Extra options: Choose “mark as received” when the goods have arrived, “mark as fully billed” when all supplier invoices are in, or “mark as completed” to do both at once and close the PO in a single step.
Pause timer: now available
• What’s new: A pause option for the timer so you can pause a running timer and come back to it, without creating separate time entries.
• Why it helps: Makes time tracking more accurate and less disruptive when work is frequently interrupted - ideal for anyone who switches between tasks, takes short breaks, or needs to pause for meetings or site visits.
• Heads up: Any bills or stock receipts from the original PO will be moved to the revised version - a warning appears before this is processed.
Find out more
and data together in one seamless platform, we’re making it easier to manage your business, clients, and compliance work from one place.
If you’re using XPM today, you can be among the first to experience the new Xero Partner Hub before the end of this year. By opting into early access, all your existing data and tools will move with you, and you’ll get access to these exciting new features.
We encourage all of you to explore the Xero Partner Hub prototype now to understand what’s next for your practice tools. Find out more
Why are businesses embedding financial services with ClearBank?
77% of senior leaders say embedded finance will open new revenue streams
Improve customer experience.
Enhance customer retention and loyalty.
Unlock new revenue streams.
Say goodbye to batch payments
Reconciliation you can trust
Are you ready to build?
Get the insights that matter, faster: Your new Xero homepage is here
AFEW MONTHS AGO, WE SHARED OUR VISION FOR A REIMAGINED XERO HOMEPAGE AND OUR PLANS TO MOVE FROM THE CLASSIC DASHBOARD TO A MORE INSIGHTFUL AND ACTIONABLE COMMAND CENTRE FOR YOUR BUSINESS.
Since then, many of you have joined us on this journey. We have built this for you, with you – more than 33,000 customers have been part of one of our most extensive co-creation and beta programs ever, providing invaluable feedback as we’ve refined and tested this new experience.
Today, I’m thrilled to share the next big step: the new Xero homepage is ready,
and we’ll be rolling it out to all our customers progressively over the course of the next several months.
The new homepage delivers on the vision we shared, giving you a quicker, more comprehensive view of your business performance by surfacing the insights and actions that matter most to you.
Answering your most critical business questions
We designed the new homepage to help you quickly answer the most common and critical questions you have about your business, including:
1. Are we making a profit? Previously, this required
running a report. Not anymore. We’re excited to introduce the new net profit or loss widget. It gives you a visual breakdown of your income and expenses for the time period of your choice, right on the homepage. It’s one of the most-requested features, and it’s here to help you monitor your profitability and see trends quickly and easily.
2. How much money is in the bank? The enhanced bank accounts widget gives you greater confidence in your numbers. It provides a crystal-clear view of your bank balances
Find out more
Sydney’s LogicGlue launches world-first conversational AI for Xero users
SYDNEY-BASED LOGICGLUE HAS UNVEILED THE WORLD’S FIRST CONVERSATIONAL AI SYSTEM THAT INTEGRATES A GENERAL-PURPOSE LARGE LANGUAGE MODEL (LLM) DIRECTLY WITH THE POPULAR ACCOUNTING PLATFORM XERO.
LogicGlue enables Xero users to use models like ChatGPT and Claude directly with their live Xero data.
“We have spent over a year building the first version of LogicGlue, with privacy, security, and guardrails included in the product from
day one,” said Kevin Garber, Founder of LogicGlue. “We also heavily customised the AI layer. Our goal was simple: bring the best of conversational AI to Xero users, securely and safely.”
Importantly, LogicGlue does not store copies of Xero user data, use any customer data for AI training, or track user queries or responses.
The launch comes at a time when 40% of small business owners say bookkeeping is the most frustrating part of their job, and a striking 82% of business failures are due to poor cash-
flow management.
The potential impact of effective AI solutions in reducing these frustrations is significant.
LogicGlue provides two main ways for Xero users to access its conversational AI capabilities:
1. Directly through the LogicGlue interface:
Users can directly interact with the conversational AI through the core LogicGlue product and interface.
Find out more
Karbon appoints Brooke Brockman as CMO to lead global brand growth and AI innovation for accounting firms
KARBON, THE GLOBAL LEADER IN AI-DRIVEN ACCOUNTING PRACTICE MANAGEMENT SOFTWARE, TODAY ANNOUNCED THE APPOINTMENT OF BROOKE BROCKMAN AS CHIEF MARKETING OFFICER. IN THIS ROLE, BROCKMAN WILL LEAD KARBON’S GLOBAL MARKETING AND BRAND STRATEGY AS THE COMPANY CONTINUES TO EXPAND ITS CAPABILITIES, AUDIENCE, AND INFLUENCE ACROSS THE ACCOUNTING PROFESSION.
Brockman joins Karbon
with more than 15 years of experience driving growth and customer engagement for leading SaaS brands. Most recently, she served as CMO at Buildertrend, where she helped scale the company’s marketing function, strengthened customer loyalty, and positioned the brand as an industry standout. Prior to Buildertrend, Brockman led multi-channel campaigns and lifecycle marketing at advertising agencies, and held revenue-focused roles at Fortune 500 companies including Target and UPS. Additionally, Brockman was
named one of The Top 50 Women Leaders in Software for 2024 by The Software Report.
“Brooke is a proven leader who knows how to build trusted brands grounded in customer impact,” said Mary Delaney, CEO of Karbon. “Her experience and perspective will help us share Karbon’s story with even greater reach as we continue to lead the profession forward through AI-driven innovation, automation, and connected firm intelligence.”
Find out more
Deputy partners with SuperAPI to streamline employee onboarding and help get shift-based industries ready for PayDay
DEPUTY, THE GLOBAL PEOPLE PLATFORM FOR SHIFT-BASED WORK, HAS ANNOUNCED A NEW PARTNERSHIP WITH SUPERAPI, MARKING A MAJOR ENHANCEMENT TO ITS HR PRODUCT SUITE. THE INTEGRATION WILL UPLIFT THE EMPLOYEE ONBOARDING EXPERIENCE BY PROVIDING SHIFT WORKERS ACROSS AUSTRALIA OPPORTUNITIES TO SAVE FEES BY STAPLING THEIR SUPERANNUATION TO PREVIOUS ACCOUNTS, AND SIMPLIFY THE FILING PROCESS FOR BUSINESSES, SAVING HOURS A WEEK.
Through this partnership, Deputy will embed SuperAPI’s TFND and Superannuation steps directly into its HR workflow, allowing new
employees to seamlessly select and retain their preferred super fund within the Deputy platform. This eliminates the need for repetitive account creation when starting a new job, helping workers avoid unnecessary fees and ensuring their retirement savings remain consolidated and protected.
According to ATO data from June 2025, 21% of working Australians have two or more superannuation accounts, often doubling the fees that are unnecessarily eating away at their retirement savings. This trend is often attributed to the challenges posed by employees in nominating their existing member accounts when changing jobs.
“This integration levels
up Deputy’s HR offering in Australia, empowering shift workers with genuine choice and transparency around their existing superannuation fund(s) and the choices they can make – and saving hours for their employers by removing manual filing of super choices through clearing house software,” said Deepesh Banerji, Chief Product Officer at Deputy. “By embedding SuperAPI directly into the onboarding process, we’re simplifying compliance for employers and creating a smoother, more trustworthy experience for every new team member; a critical step in getting employers PayDay Super ready; accurate onboarding equals accurate and timely payroll.”
Find out more
Mark your calendars: Xerocon returns to London and Denver in 2026
WE’RE THRILLED TO ANNOUNCE THAT XEROCON IS BACK FOR 2026, BRINGING OUR FLAGSHIP EVENT TO TWO INCREDIBLE CITIES!
Get ready to circle these dates in your calendar:
Xerocon London: 8-9 July 2026 at Olympia London
Xerocon Denver: August 19-20, 2026 at the Colorado Convention Center
This is our official “save the date” announcement. We’re announcing these dates now so you can mark
your calendars and make plans to join us.
Tickets will go on sale in the coming months:
Xerocon London: Tickets launch in December 2025
Xerocon Denver: Tickets launch in January 2026
Why you won’t want to miss it
Xerocon is our flagship technology and innovation conference, designed to empower accounting and bookkeeping professionals
Find out more
Updates & News
Joiin named FinTech of the Year at the Tech South West Awards
It’s an exciting moment for our team here in Exeter and a reflection on what has been a standout year for the platform.
WE ARE DELIGHTED TO SHARE THAT JOIIN HAS BEEN NAMED FINTECH OF THE YEAR AT THE TECH SOUTH WEST AWARDS 2025. THE AWARDS BRING TOGETHER TECHNOLOGY COMPANIES FROM ACROSS THE SOUTH WEST, CELEBRATING THE OUTSTANDING WORK HAPPENING ACROSS OUR REGION. TO BE RECOGNISED AMONG SUCH A STRONG GROUP OF INNOVATORS IS SOMETHING WE ARE INCREDIBLY PROUD OF.
Joiin was also a finalist for the Growth Award, which highlights the momentum we have built this year and our continued expansion across more than 100 countries.
A year of progress
The FinTech award caps a year of significant achieve-
Redirecting 10% of spending from big to small retailers could add $11B to small business economy
XERO, THE GLOBAL SMALL BUSINESS PLATFORM, HAS FOUND SHIFTING JUST 10% OF SPENDING FROM BIG TO SMALL BUSINESSES COULD MEAN $11 BILLION MORE IN THE HANDS OF SMALL BUSINESSES.
Xero economists have analysed 2024 New Zealand household consumption data and excluded spending unlikely to be with small businesses, like utilities, some transport and communications. An estimated $110 billion of household spend-
ing remains. Moving just 10% of this potential spend would bring $11 billion to small businesses.
Bridget Snelling, Country Manager - Aotearoa New Zealand at Xero, says conscious consumers can have a significant impact on the small business economy, especially in key spending periods like Black Friday and Christmas.
“November and December are the biggest months of the year for the retail industry. There is always a lot of noise coming from the big
business retailers which can make the smaller retailers with their own unique offerings a lot harder to notice.
“We’re calling on all New Zealanders to consider local small businesses when they’re shopping over Black Friday and Christmas. Of course you need to consider your personal circumstances and household budgets, but even a small reallocation of purchases makes a big difference.”
Find out more
ments for Joiin. Highlights include:
• Winning the Tech South West FinTech Award 2025
• Finalist in the Tech South West Growth Award 2025
• Being named Xero Global App Award winner for Small Business App of the Year (Canada)
• Achieved Platinum App Partner recognition from Intuit
• Continued five star feedback across Xero, QuickBooks, Sage, G2 and Capterra
• Major product developments, including the launch of Joiin Intelligence, advanced Report Packs, Custom Layouts and extended support for financial and non-financial data
• Growth to thousands of customers around the world
Find out more
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We’re thrilled to announce our partnership with Adfin, the intelligent payments platform built for professional services.
Managing payments shouldn’t slow your firm down. Adfin, the all-in-one platform helping professional services firms take control of cash flow.
Now, Actionstep users can leverage Adfin’s Autopilot AI to automate reminders, retries, and follow-ups — so your team spends less time chasing payments and more time serving clients.
Simplify payment workflows
Get paid faster (and at lower cost)
Delivera client-first payment experience
Actionstep x Adfin — the smarter way for law firms to get paid.
Intuit Australia selects SISS Data Services to power Open Banking data feeds for QuickBooks
INTUIT AUSTRALIA (INTUIT) HAS ENGAGED SISS DATA SERVICES (SISS) AS AN OUTSOURCED SERVICE PROVIDER TO FACILITATE OPEN BANKING DATA FEEDS FOR INTUIT’S QUICKBOOKS CUSTOMERS ACROSS AUSTRALIA.
As Intuit’s technology partner, SISS has enabled the critical integration that connects Intuit QuickBooks’ customers with their banking data via Australia’s Consumer Data Right (CDR) framework.
Open Banking data feeds are now being rolled out progressively for QuickBooks customers, with Commonwealth Bank of Australia and National Australia Bank connections already live, and over 100 other financial institutions to follow.
Intuit is seeking CDR data collection and sharing consents from its Australian QuickBooks customers as an integral part of the new
customer sign-up process for the Intuit QuickBooks Online accounting platform in Australia.
Existing QuickBooks customers can also switch their existing bank feeds to the vastly superior Open Banking bank feeds.
“SISS is delighted to support Intuit’s Open Banking data feeds as their chosen outsourced service provider,” said Grant Augustin, Founder & CEO at SISS Data Services.
“The benefits of Open Banking for small business owners and their trusted advisors include real-time data sync, time efficiency, simplified cash flow, better client insights and enhanced security standards,” he added.
Intuit and SISS have a strong existing business relationship spanning 10 years in Australia. As an Accredited Data Recipient, SISS enables Intuit to access over 100 Open Banking APIs on
behalf of Intuit’s QuickBooks customers.
“As a long-standing technology partner working with Intuit to power ‘accounting-grade’ data, we’re building on 10 years of experience and the strong foundation of regulatory compliance and technical excellence that both parties have,” Mr Augustin said.
Lara Thompson, Head of Partnerships APAC at Intuit said: “As the first financial management software provider to achieve Accredited Data Recipient status, Intuit is proud to roll out Australia’s most advanced bank feed solution with the help of SISS as our technology provider.”
She noted this important milestone is empowering businesses, their accountants and other trusted advisors such as finance brokers
Xero calls for consumers to consider small business this Black Friday and holiday season
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Part of our Autumn Updates: data consistency between your financial tools is essential.
We've shipped over 25 updates this season, and one of the biggest focuses? Connect and automate your bookkeeping data flow.
Making sure you future-proof your finance stack and free your teams time from manual exporting.
We are adding 3 new accounting integrations to make your month-end close smoother:
Exact Online
Odoo
Microsoft Business Central
The result? Simpler setup. Smoother exports. Faster month-end.
Because your tech stack should work for you, not against you.
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Drumroll please… FreeAgent now officially integrates with Pleo, Europe’s biggest spend management platform!
This new connection lets businesses seamlessly export company card spend, out-of-pocket expenses and supplier bills and payments from Pleo straight into FreeAgent, arriving fully categorised with the correct VAT treatment and supporting documents attached.
Who it helps
- Small businesses that want simple, automated spend tracking with full visibility and less admin - Growing teams that need clearer control and accountability across multiple spenders
- Accounting practices that want cleaner, standardised books without chasing receipts or explanations
Huge thanks to everyone at FreeAgent, Pleo and Chift API who helped shape, test and polish this. Brilliant collaboration all round and very happy to get this one live!
The Xero Partner Hub update for apps
THE NEW XERO PARTNER HUB MARKS A MAJOR STEP IN TRANSFORMING THE ARRAY OF XERO’S PRACTICE TOOLS (XERO HQ, XERO TAX, AND XPM) INTO ONE UNIFIED EXPERIENCE FOR ACCOUNTANTS AND BOOKKEEPERS. WE RECENTLY HOSTED A WEBINAR, PRESENTED BY SENIOR PARTNERSHIPS MANAGER JOSIE ATTARD, TO DISCUSS WHAT THIS MEANS FOR APP PARTNERS.
Key updates and opportunities for app partners in Xero Partner Hub
• Expanded customer base: Previously, apps integrating into practice workflows were limited to
customers actively using the Xero Practice Manager (XPM) APIs. Now that the Xero Partner Hub is the single destination for all partners, partners who were historically Xero HQ-only users will automatically gain access to the Hub’s baseline features, and thus, gain the ability to use XPM API integrations. This immediately widens the market for your existing XPM app integrations, especially in regions with a high number of Xero HQ users.
Worldpay MCP opens new possibilities for developers to create and test AI agents and payments infrastructure integrations directly with Worldpay APIs
W• New visibility channel (app launcher): A key feature coming to the Xero Partner Hub is the App Launcher, which currently exists only in core Xero. Find out more COMMERCE.
WPS Advisory Enhances Financial Advice Journey with Moneyhub Platform Upgrade
New features include streamlined data transition and data entry during fact finding, appointment scheduling, and an optimised registration process for new customers.
MONEYHUB, A FINANCIAL DATA, CATEGORISATION AND PERSONALISATION PLATFORM, AND WPS ADVISORY (WPS), A LEADING INDEPENDENT FINANCIAL ADVICE FIRM, HAVE FURTHER COLLABORATED TO ENHANCE ITS LIFESTAGE MONEY APP. POWERED BY MONEYHUB’S DATA AND INSIGHTS PLATFORM, THE APP EMPOWERS WPS’S CUSTOMERS TO MAKE INFORMED FINANCIAL DECISIONS WITH PERSONALISED INSIGHTS AND TOOLS.
Building on the success-
ful launch of the LifeStage Money app, WPS wanted to further automate processes, to improve user convenience & interaction and embed its existing processes into the app experience to deliver enriched experience and outcomes directly to clients.
Key enhancements include:
• Integration of ‘Smart Fact Find’ functionality to streamline the financial fact-finding process for advisers Find
ORLDPAY®, A GLOBAL LEADER IN PAYMENT TECHNOLOGY, HAS ANNOUNCED THE LAUNCH OF WORLDPAY MCP (MODEL CONTEXT PROTOCOL), A PUBLICLY AVAILABLE SET OF SERVER SPECIFICATIONS AND TOOLS, DESIGNED TO ACCELERATE AI-POWERED PAYMENT INTEGRATION AND OPEN THE DOOR FOR AGENTIC COMMERCE INNOVATION. THIS LAUNCH MARKS THE NEXT MILESTONE IN WORLDPAY’S ONGOING FOCUS ON INNOVATION, SHAPING THE FUTURE OF
Worldpay MCP is available today on Worldpay’s Developer Hub and Github. Developers and merchants can download, modify, and deploy the protocol immediately, enabling the rapid creation of AI agents and direct payment integrations with Worldpay’s API.
The launch comes at a time when consumer expectations are shifting towards more autonomous, AI-driven experiences.
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THE TRUE VALUE ACCOUNTANTS AND BOOKKEEPERS OFFER CLIENTS LIES IN THEIR ADVICE – NOT IN HOURS SPENT ON MANUAL FIXES, REPORT REBUILDING, OR CHASING MAPPING ERRORS.
That’s why we’ve delivered three powerful reporting enhancements designed to eliminate those time-consuming productivity roadblocks. Built directly from your feedback, these new features will help you produce reports faster and reclaim valuable time for high-value client work that
truly matters.
1. Reduce time spent on manual edits and calculations
Customising reports for clarity often meant extra steps or manual calculations outside of Xero. Now, you can keep your focus –and your work – right where it belongs.
Show formula rows as a percentage, instantly – you can now display the formula row as a percentage within the report itself.
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Sharesight product updates
– November 2025
WE ARE ROLLING OUT OUR NEW CALENDAR FEATURE TO ALL STANDARD AND PREMIUM PAYING CUSTOMERS TODAY, MONDAY 17 NOVEMBER. WE’VE RECEIVED A LOT OF POSITIVE FEEDBACK REGARDING THIS NEW FEATURE AND ARE EXCITED TO ROLL IT OUT IN FULL.
In keeping with our focus on the dividend investor last Thursday, we released a ‘Dividend insights’ pane on the holdings page that includes among other things dividend yield and yield on cost. The dividend yield is a simplistic calculation, taking the sum of all dividends with an ex-date in the past year and dividing that value by the current price. To make the value comparable across any market, we have made
the deliberate decision to exclude tax credits and supplementary dividends from the equation. We do have a few tidy ups to do, such as adjusting for splits and considerations, and these will be addressed in the coming weeks.
Yield on cost uses the same formula, but instead of dividing by the current share price, we divide by the average purchase price. As a result, this metric excludes brokerage from the equation. Depending on feedback and demand, we may look to expand on both these calculations. Despite these qualifiers, we think these new data points add another set of useful insights into your investments.
Find out more
BANKING CIRCLE TODAY ANNOUNCED A NEW COLLABORATION WITH JD FINTECH, A FINANCIAL SERVICE PLATFORM FOR CROSS-BORDER BUSINESSES AND AN AFFILIATE OF JD.COM, TO PROVIDE THE INFRASTRUCTURE ENABLING REAL-TIME PAYMENTS, FOREIGN EXCHANGE (‘FX’) AND MARKETPLACE COLLECTIONS FOR GLOBAL BUSINESSES AND MERCHANTS.
As a financial service platform, JD Fintech is fo-
cused on delivering seamless, scalable, and compliant payment solutions for both businesses and consumers. Integrating into Banking Circle’s infrastructure, JD Fintech will help accelerate the cross-border payment efficiency. With the new collaboration, JD Fintech can reduce friction in cross-border payments and enable businesses to seamlessly open multi-currency accounts for collections, payments, currency exchange, and real-time funds management.
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PAYPAL HOLDINGS, INC. (NASDAQ: PYPL) AND KKR, A LEADING GLOBAL INVESTMENT FIRM, TODAY ANNOUNCED THE SIGNING OF A NEW AGREEMENT FOR AN UP TO €6 BILLION REPLENISHING LOAN COMMITMENT UNDER WHICH CREDIT FUNDS AND ACCOUNTS MANAGED BY KKR WILL PURCHASE UP TO €65 BILLION OF BUY NOW, PAY LATER (BNPL) LOAN RECEIVABLES ORIGINATED BY PAYPAL IN FRANCE,
This new agreement builds on the successful strategic partnership announced in June 2023, under which KKR's credit funds and accounts have been purchasing a majority of PayPal's European BNPL receivables. PayPal will continue to remain responsible for all customer-facing activities
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Enfuce enters Latin America with Swile, launching nextgen benefits cards for over 1 million Brazilians
ENFUCE, THE NORDIC-FOUNDED ISSUER-PROCESSING POWERHOUSE, IS ENTERING LATIN AMERICA THROUGH A LANDMARK PARTNERSHIP WITH FRENCH WORKTECH UNICORN SWILE. TOGETHER, THEY ARE INTRODUCING A MULTI-PAN COMBO CARD, DELIVERING A MORE SEAMLESS AND USER-FRIENDLY BENEFIT EXPERIENCE FOR EMPLOYEES ACROSS THE COUNTRY.
The new combo card merges two of the most sought-after benefit categories, meal vouchers and multibenefit allowances, into one sleek solution. It enables flexible spending on essentials such as food, health, mobility, and education,
while offering a seamless digital experience via Google Pay, Samsung Pay, Apple Pay, and Mastercard’s M4M.
All new Swile Brazil customers will receive the combo card at launch, with more than one million existing users set to benefit from the upgrade by mid-2026.
A smarter card for a digital-first future.
The Swile Card goes beyond traditional vouchers. It is a fully integrated, flexible payment solution that enables employees to use one card across a wide range of benefit categories, from food and commuting to wellness and remote work.
TODAY, PAYPAL AND GLOBAL CITIZEN, THE WORLD’S LARGEST MOVEMENT TO END EXTREME POVERTY, ANNOUNCED THE INAUGURAL WINNERS OF THE GLOBAL CITIZEN AND PAYPAL SMALL BUSINESS IMPACT AWARDS. THE WINNING ENTREPRENEURS EACH RECEIVE USD $25,000 IN RECOGNITION OF THEIR INNOVATIVE SMALL BUSINESSES AND THE POSITIVE SOCIAL OR ENVIRONMENTAL IMPACT THEY ARE MAKING IN THEIR LOCAL COMMUNITIES.
All over the world, passionate entrepreneurs are building small businesses that shape their communities and economies. According to the World Economic
Forum, small businesses employ more than 60 percent of workers worldwide and generate 70 percent of global GDP. PayPal and Global Citizen are proud to spotlight these leaders as the 2025 Global Citizen and PayPal Small Business Impact Awards grantees:
• Kunjpreet Arora, Co-Founder and Chief Executive Officer of Angirus, based in India, develops sustainable alternatives to traditional construction materials;
• Filip Lundin, Founder and Chief Executive Officer of Sopköket AB, based in Sweden, tackles food waste, hunger, and social exclusion;
• Zizipho Ntobongwana Founder and Chief Executive Officer of Sheba Feminine, based in South Africa, creates sustainable and inclusive period products;
• Somnath Ray, Co-Founder and Chief Executive Officer of CLIP, based in the U.S., democratizes access to e-bike functionality at a fraction of the cost;
• Franco Rodriguez Viau, Co-Founder and Chief Executive Officer of Satellites on Fire, based in Argentina, leverages artificial intelligence for an early wildfire alert system.
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PAYPAL, ONE OF THE MOST WIDELY-USED DIGITAL WALLETS IN THE UK, IS RELAUNCHING AS A UNIFIED PAYMENT EXPERIENCE FOR CUSTOMERS TO SHOP ONLINE AND NOW IN-STORES. TOUTED AS THE SMARTER WAY TO PAY, PAYPAL'S NEW OFFERING IS DESIGNED TO MAKE SHOPPING MORE REWARDING FOR MILLIONS OF BRITISH CONSUMERS. STARTING TODAY, PAYPAL CUSTOMERS ACROSS THE UK CAN ACCESS THE NEW PAYPAL+ LOYALTY PROGRAMME, WITH PAYPAL DEBIT AND CREDIT CARDS ALSO AVAILABLE.
Earn rewards on everything that counts with PayPal+
PayPal's first ever loyalty programme is available to British customers today before anyone else in the world. Consumers can signup to PayPal+ for free in the PayPal app and start earning points on both online and instore purchases.Points can be earned almost every time a customer pays with PayPal balance, their preferred card or Buy Now Pay Later.
Consumers can then redeem their points to spend when they check out with PayPal online at millions of
shops worldwide. And PayPal+ points have real value: every 1000 points equals £10 to spend with PayPal. Compatible with other loyalty programmes, PayPal+ points can be stacked and earned on top of other loyalty points, making it even easier for consumers to get the most out of their everyday spend.
Designed to reward loyalty without membership fees or redemption limits, PayPal+ aims to revolutionise the rewards industry.
GERMANY, ITALY, SPAIN, AND THE UNITED KINGDOM.
Global Citizen and PayPal Small Business Impact Awards Celebrate Innovative Entrepreneurs in Argentina, India, South Africa, Sweden and the United States
Enfuce makes Brazil debut with a modular, digitalfirst solution enhancing how Brazilian employees access their perks.
Enfuce and Avida achieve recordbreaking Nordic card migration
Over
CARD ISSUING AND PROCESSING POWERHOUSE ENFUCE HAS SUCCESSFULLY PARTNERED WITH AVIDA, THE SWEDISH CONSUMER AND SME FINANCING SPECIALIST, TO DELIVER ONE OF THE LARGEST AND FASTEST CREDIT CARD MIGRATIONS EVER COMPLETED IN THE NORDICS.
In just seven months, from contract signing in February to full completion by October 2025, Avida and Enfuce successfully migrated more than 500,000 customers, including 556,039 consumer credit cards and 94,009 installment plans, all delivered
seamlessly, with no service disruption.
The migration followed Avida’s 2024 acquisition of Santander’s sales finance and credit card portfolio in Norway and Sweden, with Enfuce selected to integrate the portfolio into Avida’s existing ecosystem while ensuring a seamless transition for all customers.
Setting a new benchmark for large-scale migrations.
Completing a migration of this scale in just seven months sets a new benchmark for the Nordic region. From contract signing to
LFC Welcomes PayPal as Club’s Official Digital Payments Partner
LIVERPOOL FC IS PROUD TO WELCOME PAYPAL AS THE CLUB’S OFFICIAL DIGITAL PAYMENTS PARTNER IN A NEW GLOBAL, MULTI-YEAR DEAL. THIS MARKS PAYPAL’S FIRST-EVER COLLABORATION WITH A PREMIER LEAGUE CLUB, FURTHER POSITIONING THE COMPANY AS THE SMARTER WAY TO PAY FOR FOOTBALL FANS GLOBALLY.
A global leader in digital payments, PayPal has over 400 million active accounts across 200 markets, supporting transactions in 25 currencies. With decades of expertise in secure, fast, and flexible payment solutions, PayPal is set to enhance the way Liverpool FC fans engage with the club and football experiences, both online and in person.
One of the ways this
will happen is via PayPal+, the company’s brand-new, first-ever free loyalty programme, where fans can earn reward points when using PayPal to pay for matchday purchases, adding to the experience and elevating engagement. And loyalty will be rewarded. Starting at the Blue tier, consumers unlock Gold and Black tiers as they earn more points, with each tier recognising loyalty with even bigger rewards. Gold and Black tier members enjoy points worth up to 50% more at checkout, along with access to other exclusive Liverpool FC perks.
PayPal, already available as a payment option across LFC’s digital platforms, will also become the club’s preferred digital payment method.
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full delivery, the project was executed with exceptional speed and precision.
Despite the complexity, including the migration of digital wallets like Apple Pay and Google Pay, the transition was completed with zero downtime, ensuring uninterrupted service for customers throughout. This achievement reflects the strength of the partnership between Avida and Enfuce, and the proven effectiveness of Enfuce’s structured migration model.
Precision in every step.
The success of this migra-
tion is a testament to the effectiveness of Enfuce’s structured seven-step migration process. Built on meticulous planning, rigorous testing, and close collaboration, the framework ensures that every stage, from data mapping to go-live, is executed safely, efficiently, and with absolute precision.
Completing one of the most complex migrations in Enfuce’s history in record time is a clear demonstration of the scalability and strength of its modular, cloud-native platform.
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Banking Circle and Hatcher+ Collaborate to Accelerate Fund Setup with FundBuilder and FAAST®
BANKING CIRCLE S.A. (BANKING CIRCLE), A NEXT-GENERATION BANK SPECIALISING IN REAL-TIME CROSS-BORDER PAYMENTS, TODAY ANNOUNCED A NEW COLLABORATION WITH HATCHER+, A LEADING GLOBAL INTEGRATOR OF AI-DRIVEN FUND MANAGEMENT AND ADMINISTRATION TECHNOLOGIES. THIS COLLABORATION WILL PROVIDE FUND MANAGERS AND ADMINISTRATORS ON HATCHER+ PLATFORM WITH RAPID ACCESS TO MULTI-CURRENCY ACCOUNTS IN DAYS, RATHER THAN MONTHS.
This collaboration connects Banking Circle’s regulated infrastructure with Hatcher+ FAAST® (Fundsas-a-Service Technology) marketplace to enable rapid provisioning of multi-currency accounts that facilitate fund disbursement
by cross-border payments needs of fund managers and administrators, using the Hatcher+ FAAST FundBuilder service to build new funds in Singapore.
With Banking Circle, the Hatcher+ FAAST platform now facilitates interaction between fund structures and a regulated banking infrastructure, enabling the swift setup of multi-currency accounts.
“Hatcher+ shares our vision for a truly-global financial ecosystem. Connecting our banking network into the FAAST marketplace allows fund managers to operate with true international agility, accessing local accounts and real-time settlements through a seamless API,” said Nischa Us-Moynihan, Chief Sales Officer at Banking Circle.
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PayPal and Perplexity Launch Instant Buy Ahead of Black Friday N
OVEMBER 25, 2025 – PAYPAL TODAY ANNOUNCED THAT IT HAS ENABLED PAYPAL MERCHANTS TO BECOME DISCOVERABLE WITHIN PERPLEXITY, GIVING CONSUMERS THE ABILITY TO CHECKOUT IN CHAT. AS OF TODAY, U.S. USERS EXPLORING PERPLEXITY'S NEW SHOPPING EXPERIENCE CAN SEAMLESSLY TRANSITION FROM RESEARCH TO PURCHASE, LEVERAGING PAYPAL’S IDENTITY VERIFICATION, PURCHASE AND SELLER PROTECTION, AND TRUSTED PAYMENT PROCESSING, WITHOUT LEAVING THE ANSWER ENGINE.
This collaboration fulfills the vision of the companies’ strategic partnership announced earlier this year, deploying PayPal as the commerce solution for the next generation of AI-driven retail. By integrating PayPal’s agentic commerce services, Perplexity users can browse merchant catalogs in real-time and checkout directly on the platform, from Abercrombie & Fitch, Ashley Furniture, Fabletics, Adorama and NewEgg, and many others to come. It has never been easier or more convenient to purchase items with the speed and trust of checking out with PayPal, completing the full shopping journey in just a few simple clicks.
“We are building for the next era of commerce by connecting PayPal’s trusted payments and buyer protec-
tion directly to AI-powered shopping,” said Michelle Gill, General Manager, Small Business and Financial Services, at PayPal. “Our collaboration with Perplexity is the opening act of PayPal’s innovation in commerce for the agentic era. This is the continuation of our decades-long commitment to make AI-driven commerce seamless and interoperable across every platform.”
Limited-Time Offer: Bringing Rewarding Experiences to the Holidays
To celebrate the launch and the start of the holiday shopping season, PayPal is introducing a special incentive for users to experience the future of AI commerce. Beginning 9:00 am ET on November 25, 2025, through 11:59 pm ET on December 1, 2025, customers who complete their first purchase using PayPal within Perplexity will receive 50% back, up to $50. This exclusive offer delivers a rewarding first shopping experience on Perplexity for those looking to benefit from the simplicity and speed of AI shopping. Read the promotion terms and exclusions here.
Powering Perplexity’s Enhanced Shopping Experience
PayPal serves as the commerce engine behind Perplexity’s newly revamped shopping offering
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