XU Biweekly - Issue 117 - 1st November 2025

Intuit Launches Intuit Accountant Suite: an AI-native Platform that Drives Efficiency and Growth for Accounting Firms

INTUIT INC. (NASDAQ: INTU), THE GLOBAL FINANCIAL TECHNOLOGY PLATFORM THAT MAKES INTUIT TURBOTAX, CREDIT KARMA, QUICKBOOKS, AND MAILCHIMP, TODAY ANNOUNCED THE LAUNCH OF INTUIT ACCOUNTANT SUITE, A NEW AI-NATIVE PLATFORM THAT PROVIDES ACCOUNTING FIRMS WITH EVERYTHING THEY NEED TO SCALE AND MANAGE THEIR CLIENTS, FIRMS, AND TEAMS, ALL IN ONE PLACE.

Intuit Accountant Suite is built for and with accounting firms. It’s backed by Intuit’s

platform and new Intuit Intelligence, a revolutionary system of intelligence, that in the hands of accountants will allow them to harness the power of Intuit’s embedded AI agents and connected data to access insights and recommendations that scale their own businesses and deliver advisory services that fuel their clients’ success.

“Accounting firms play a vital role in advising their clients on key growth strategies, while managing their own complex operations,” said Simon Williams, vice president, accountant part-

nerships and engagement, Intuit. “Intuit Accountant Suite gives firms the ability to manage their clients and teams more effectively, giving them time back to deliver higher-value advisory services, and scale their own businesses.”

Intuit introduced the Accountant Suite at Intuit Connect, the company’s premiere event for multi-service accounting firms. Leaders also unveiled several new innovations for mid-market and small businesses.

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BGL appoints James Luo to Executive Team

BGL CORPORATE SOLUTIONS (BGL), AUSTRALIA'S LEADING PROVIDER OF COMPANY COMPLIANCE, SELF-MANAGED SUPERANNUATION FUND (SMSF), INVESTMENT MANAGEMENT, IDENTITY VERIFICATION, AND AI-POWERED PAPER-TO-DATA SOFTWARE SOLUTIONS, IS PROUD TO ANNOUNCE THE APPOINTMENT OF JAMES LUO, HEAD OF DATA AND AI, TO OUR EXECUTIVE TEAM.

As Head of Data and AI, James has been instrumental in driving BGL’s data and artificial intelligence strategy across its award-winning product suite, including CAS 360, Simple Fund 360, Simple Invest 360, BGL SmartDocs 360, and BGLiD.

THE MOVE STRENGTHENS ALLICA'S SME LENDING PROPOSITION AND SEES THE UK’S FASTEST-EVER GROWING FINTECH MOVE INTO THE EMBEDDED PAYMENTS MARKET FOR THE FIRST TIME.

traditional loans - the lowest recorded level since 2019.

Since first opening its doors to lending in 2020, Allica’s impressive growth means its total outstanding lending to SMEs has now reached £3.5 billion.

gration of AIB's GB SME lending customers in 2021 and bridging finance specialist Tuscan Capital in 2024.

“I am extremely proud of James and his contribution to BGL,” said BGL’s CEO, Daniel Tramontana. “Given the rise and prominence of AI and the importance of data across the business, the appointment could not be more timely.”

The BGL Executive Team is responsible for delivering on the strategic and operational priorities needed to achieve sustained growth across all facets of the business. With a strong focus on development, the team aims to retain, educate, and grow BGL’s people, clients, partners, and the industries in which it operates.

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The two businesses are a strong strategic fit, bringing together complementary strengths across lending and payments, with a shared passion for using technology to transform the established SME market and leadership who’ve known each other for a long time. Allica is broadening its working capital and embedded finance proposition at a time when confidence among SMEs seeking funding has fallen from 56% to 31% since 2019, while only one in ten SMEs now have access to bank overdrafts or

With the Kriya acquisition, Allica is targeting advancing an initial £1 billion of working capital finance to SMEs over the next three years. The acquisition accelerates Allica's drive to penetrate 10% of the established SME finance market by the end of 2028, replacing the legacy high street banks who have been in retreat from serving this important segment that makes up a third of the UK economy.

Kriya is Allica's third acquisition, following the successful purchase and inte-

Named the UK's fastest growing company in 2024, and the fastest growing UK fintech ever in 2023, Allica is building on strong momentum. The bank became profitable within three years of launching, with its award-winning lending and current account proposition – the Business Rewards Account – gaining significant traction with established SMEs, offering no monthly fees, a named relationship manager, cashback and technology that drives faster and more flexible lending decisions.

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October 2025 Expensify product update: Faster approvals, smarter collaboration, and smoother reviews

EXPENSE MANAGEMENT SHOULDN’T FEEL LIKE A SECOND JOB. THIS MONTH, WE’RE ROLLING OUT UPDATES THAT HELP ADMINS RECONCILE FASTER, EMPLOYEES STAY COMPLIANT, AND APPROVERS KEEP THINGS MOVING – EVEN WHEN THEY’RE OUT OF OFFICE.

Review expenses faster with a wider view

We’ve redesigned the ex-

XU BIWEEKLY - No. 117

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

Chief Revenue Officer: Alex Newson

Account & Partnership Assistant: Robyn Consterdine

Creative Assistant: Victoria Young

Advertising: advertising@xumagazine.com

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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.

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pense view to show more info at once. Now, receipts appear right alongside the expense details so you can review and approve in seconds.

Collaborate in realtime with @mentions

Need input from someone who’s not in the approval chain? Just “@” mention them like you would on social media. They’ll be notified instantly and can re-

spond via email – no login needed.

Know what’s happening at a glance

New color-coded labels make it easy to spot where a report stands: outstanding, approved, reimbursed, or paid. Less guessing, more clarity.

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BGL simplifies compliance with ATO document download feature

BGL CORPORATE SOLUTIONS (BGL), AUSTRALIA'S LEADING PROVIDER OF COMPANY COMPLIANCE, SELF-MANAGED SUPERANNUATION FUND (SMSF), INVESTMENT MANAGEMENT, IDENTITY VERIFICATION, AND AI-POWERED PAPER-TO-DATA SOFTWARE SOLUTIONS, IS PROUD TO ANNOUNCE THE RELEASE OF AN AUTOMATIC SECURE DOWNLOAD SERVICE FOR ATO CORRESPONDENCE AND COMPLIANCE DOCUMENTS DIRECTLY INTO ITS SIMPLE FUND 360 AND SIMPLE INVEST 360 SOFTWARE.

JOIIN NOW INTEGRATES WITH ZAPIER, CONNECTING YOU TO OVER 6,000 APPS AND ENDLESS AUTOMATION POSSIBILITIES – NO CODING REQUIRED.

Automate your reporting workflows with Joiin + Zapier

We’re excited to share that Joiin now integrates with Zapier, opening the door to over 6,000 app connections and a world of automation opportunities. Now you can link Joiin to tools like Google Sheets, Slack, Power BI and many more. All without writing a single line of code.

Whether you want to share reports, trigger updates or sync data across platforms, Zapier helps you build workflows that save time, cut out manual effort and keep your data flowing exactly where it’s needed.

Why use Joiin + Zapier

Save time

Eliminate repetitive tasks and manual exports. Automate your reporting workflows so your data updates in real time.

Click & connect in minutes

Set up Joiin with Zapi-

er in just a few steps. Move reports into your favourite tools without code.

Super-easy to use

Build automations with simple point-and-click steps in Zapier, no technical setup required.

Share reports everywhere

Send P&Ls, balance sheets, KPIs and custom reports into Google Sheets, Slack, Power BI, email and more.

Find out more

The new feature allows BGL clients to download more than 40 ATO document types including statements of account, PAYG instalment notices, activity statement notifications, superannuation remittance advice, release authorities, debt reminders, and lodgment alerts.

Designed to help clients stay on top of their compliance obligations, this feature reduces the risk of missing critical ATO correspondence and provides a centralised hub for document management.

Find out more

WE’RE PLEASED TO ANNOUNCE A BRAND NEW GUIDE TO HELP YOU BUILD POWERFUL AND SEAMLESS INVOICE INTEGRATIONS WITH THE XERO API. THIS COMPREHENSIVE RESOURCE IS DESIGNED TO EMPOWER DEVELOPERS LIKE YOU TO CREATE BEST-IN-CLASS EXPERIENCES FOR YOUR CUSTOMERS, ENSURING THEIR FINANCIAL DATA IS ACCURATE, TIMELY, AND EFFORTLESSLY MANAGED.

Our new guide is your onestop shop for everything you

need to know about building a great integration to Xero’s API to create and update invoices in Xero.

What’s in the Guide?

We’ve covered all the essentials and more, to make your development process as smooth as possible.

API Endpoints: Get a detailed look at the specific API endpoints you’ll need to work with, ensuring you can send and receive the right data to create an invoice.

Design a workflow: Con-

sider your own App’s functionality and the user workflow. Factor this into working with Xero’s invoice creation flow. We help you define where your app’s processing ends and where Xero takes over.

Configuration: After a user connects their Xero organisation to your app, you should provide a configuration page where they can set up various mappings for creating invoices.

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Introducing Sumday AI, your new sustainability analyst

THOUSANDS OF XERO CUSTOMERS HAVE TAKEN ADVANTAGE OF FREE CARBON TRACKING AND MANAGEMENT VIA SUMDAY SINCE OUR PARTNERSHIP ANNOUNCEMENT BACK IN APRIL. SUMDAY HAS HELPED BUSINESSES LIKE YOURS GET CLEARER ON THEIR EMISSIONS, FROM QUICK ESTIMATES TO COMPREHENSIVE, AUDIT-READY CARBON ACCOUNTING.

Carbon accounting isn’t always at the top of the todo list. But building a values-driven, resilient business often is. And increasingly, your customers, employees, and suppliers are expecting sustainability to be part of the story.

That’s why we’re making sustainability easier to un-

derstand and act on. With Sumday, you already have estimation tools and a full carbon accounting suite. This month, there’s more for you to discover: Introducing Sumday AI, your new sustainability analyst.

A sustainability analyst –without the headcount

Imagine having a full-time sustainability analyst in your team. Well, now you’ve got one.

Sumday’s new AI analyst is focused on carbon accounting, management accounting, building business cases, and answering those questions others might be asking you about sustainability.

Find out more

Two Big Updates, One Big Goal: Giving Small Teams Big-Company Hiring Power

WE KNOW HOW BUSY HIRING CAN GET, FROM POSTING JOBS, REVIEWING APPLICATIONS, REPLYING TO CANDIDATES, AND TRYING TO KEEP EVERYTHING RUNNING SMOOTHLY.

That’s why we’ve released two big updates to help you hire faster, smarter, and with a lot less stress.

Both are designed to give small and medium-sized businesses access to the same kind of recruitment tools big companies use – without the complexity, cost, or corporate attitude.

A Fresh Look for HR Partner Job Boards

Your Job Board is the first place a potential new hire meets your business. It should look great, feel professional, and make applying easy.

We’ve given HR Partner Job Boards a complete makeover, so your open roles look their best and your hiring process feels effortless.

Your an HR Partner Job Board, you can:

• Add your logo, brand colors, and imagery for a clean, modern look

• Show off your company culture and values

• Share jobs easily to your website or social channels

• Let candidates apply in one click – no logins, no frustrations

Because great hiring should feel simple, whether you’re a team of 20 or 500.

The Recruitment module, including Job Boards, is available on our Premium and VIP Plans

Find out more

Deputy Announces New Program to Propel Partner Success

The program empowers partners with new tools, resources, and collaboration opportunities to grow their businesses while delivering more value to customers.

DEPUTY, THE WORLD’S LEADING WORKFORCE MANAGEMENT PLATFORM FOR HOURLY WORK, TODAY ANNOUNCED THE LAUNCH OF ITS NEW DEPUTY PARTNER PROGRAM. DESIGNED TO HELP PARTNERS EXPAND THEIR BUSINESS AND BETTER SERVE CLIENTS, THE PROGRAM REFLECTS DEPUTY’S COMMITMENT TO BUILDING COLLABORATIVE, SOLUTIONS-DRIVEN RELATIONSHIPS THAT ADDRESS REAL-WORLD WORKFORCE CHALLENGES – FROM COMPLEX LABOR LAWS TO LABOR FORECASTING – WHILE DRIVING OPERATIONAL EFFICIENCY AND REVENUE GROWTH.

The enhanced program introduces three partnership types:

• Referral: Refer Deputy to customers to help them address critical workforce challenges while earning revenue.

• Integration: Integrate Deputy’s workforce management capabilities via open APIs to deliver a seamless, end-to-end customer experience along with the potential for joint

co-marketing to expand market reach.

• Strategic: Embed Deputy’s platform into complex or fragmented tech stacks, enabling partners to deliver a fully integrated workforce management solution and access joint go-to-market to accelerate growth.

All partners gain access to Deputy’s Partner Relationship Management (PRM) tools, including progress tracking, earnings management, technical support, and enablement resources. Each tier is designed to provide flexibility, so partners can choose the level of collaboration that fits their goals.

"Our commitment to our partners runs deep,” said Mandeep Singh, VP Global Partnerships at Deputy. "With this program, we're not just providing tools; we're fostering a collaborative environment where innovation to support the front-line workforce thrives, enabling our partners to access new opportunities and deliver business-critical value to their clients, especially in navigating complex labor landscapes.”

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VINYL, THE AI-POWERED MEETING ASSISTANT FOR ACCOUNTING AND ADVISORY PROFESSIONALS, HAS OFFICIALLY BEEN NAMED THE NEWEST STRATEGIC ALLIANCE PARTNER OF WALKER WAYLAND AUSTRALASIA (WWA), MARKING VINYL’S FIRST GROUPWIDE PARTNERSHIP WITH AN ACCOUNTING ASSOCIATION.

The partnership brings together two firms committed to innovation in the accounting profession. Walker Wayland’s decision to align with Vinyl signals growing demand for AI tools that improve workflows without adding complexity.

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Intuit Unveils Revolutionary System of Intelligence to Help Businesses Grow in the AI Era

INTUIT INC. (NASDAQ: INTU), THE GLOBAL FINANCIAL TECHNOLOGY PLATFORM THAT MAKES INTUIT TURBOTAX, CREDIT KARMA, QUICKBOOKS, AND MAILCHIMP, ANNOUNCED TODAY MAJOR INNOVATION TO ITS ALL-INONE PLATFORM, INCLUDING THE INTRODUCTION OF INTUIT INTELLIGENCE, A REVOLUTIONARY SYSTEM OF INTELLIGENCE THAT PROVIDES BUSINESSES AND ACCOUNTING FIRMS WITH EVERYTHING THEY NEED TO COMPETE AND GROW IN THE AI ERA. THE ANNOUNCEMENT ALSO INCLUDED THE LAUNCH OF INTUIT ACCOUNTANT SUITE, A NEW AI-NATIVE SOLUTION FOR ACCOUNTANTS; NEW AI AGENTS THAT TRANSFORM HOW BUSINESSES RUN AND GROW; AND SEVERAL POWERFUL ENHANCEMENTS TO INTUIT ENTERPRISE SUITE, THE COMPANY’S MODERN ERP SOLUTION THAT SERVES GROWING MID-MARKET BUSINESSES.

Intuit CEO Sasan Goodar-

zi unveiled these transformational innovations before global accounting leaders at Intuit Connect, the company’s flagship event for multi-service accounting firms and professionals.

“We are leading the largest technology disruption in our history that will fundamentally change how businesses compete and grow,” said Intuit CEO Sasan Goodarzi. “We’re creating the future, leveraging the power of data, AI, and human intelligence to give all businesses on the Intuit platform a distinct advantage to thrive in this new era.”

Intuit Intelligence: A revolutionary system of intelligence that provides businesses with what they need to compete and grow

At the core of Intuit’s allin-one platform transformation is Intuit Intelligence, a revolutionary system of intelligence that will unify a business’s data and provide access to a powerful, virtual team of AI agents across all financial pillars—including

growing and managing customers, payments, payroll, accounting, and tax. Intuit Intelligence is simple, ‘Ask Anything’:

• Instant, Accurate Answers: Customers can ask any business question— from "How do I turn leads into sales?" to "What's my projected profitability?”— and receive immediate, data-backed answers and customized recommendations that drive growth.

• Automated Task Completion: Simply use a prompt, like "Run my payroll," to complete complex tasks automatically, or build custom solutions that provide businesses with actionable insights that matter most to them.

• Actionable Insights: Securely ingesting data from Intuit sources, third-party systems, and spreadsheets, Intuit Intelligence will instantly generate rich insights, reports, and KPI scorecards that drive confident, faster decisions.

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Method Named Intuit Platinum Partner, Expands Support for Intuit Enterprise Suite and Multi-Entity Customers with Launch at Intuit Connect

METHOD, A TOP-RATED CRM INTEGRATION FOR QUICKBOOKS CUSTOMERS, TODAY ANNOUNCED IT HAS BECOME AN INTUIT PLATINUM PARTNER, THE HIGHEST TIER IN THE INTUIT APP PARTNER PROGRAM. THIS DESIGNATION REFLECTS METHOD’S LONG-STANDING COMMITMENT TO HELPING SMALL AND MID-SIZED BUSINESSES (SMBS) THRIVE WITH QUICKBOOKS, WHILE INTRODUCING NEW FUNCTIONALITY TO SUPPORT SCALING INTUIT ENTERPRISE SUITE CUSTOMERS WITH MULTI-ENTITY, MULTI-LOCATION AND FRANCHISE NEEDS. For over a decade, Method has partnered with Intuit

to serve thousands of SMBs across industries, delivering a customizable CRM that integrates seamlessly with QuickBooks. The Platinum Partner designation marks a milestone in that journey, underscoring Method’s proven impact and continued innovation for the QuickBooks ecosystem.

Find out more

I’M HUMBLED AND INCREDIBLY HONOURED TO SHARE THAT ON FRIDAY, XERO WAS AWARDED THE PRESTIGIOUS VALUE OF DESIGN BLACK PIN BY THE DESIGNERS INSTITUTE OF NEW ZEALAND AT THE BEST DESIGN AWARDS! A BLACK PIN RECOGNISES OUTSTANDING ACHIEVEMENT WITHIN NEW ZEALAND’S DESIGN COMMUNITY. IT REFLECTS A MULTI-MILLION DOLLAR INVESTMENT IN DESIGN OF ALL KINDS, IN ALL SORTS OF ORGANISATIONS. THE EFFECTS DRIVEN BY THAT INVESTMENT ARE TRULY GOOD FOR NEW ZEALAND.

“The 2025 Value of Design Black Pin recipient,

Xero, has embedded design into the heart of their organisation. From their founding principle to “make it beautiful”, to elevating design leadership onto their executive team, they’ve built a culture where design isn’t an afterthought – it’s how they solve problems, shape strategy, and support millions of small businesses worldwide.”

Black Pin judging panel –see the judges’ full write up on the Designers Institute of New Zealand website.

This award specifically acknowledges our deep commitment to user experience, and how we embed beautiful, intuitive design into our

software to simplify complex tasks for small businesses, accountants, and bookkeepers.

Since the awards began in 1995, the prestigious Black Pin has been awarded only twice: to Fisher and Paykel Healthcare in 2019 and to Emirates Team New Zealand in 2022.

Designing for our customers is in our DNA

Our design ethos ladders directly back to our purpose: to make life better for people in small business, their advisors and communities around the world.

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MONEYHUB, A FINANCIAL DATA, CATEGORISATION AND PERSONALISATION PLATFORM, HAS ANNOUNCED ITS STRATEGIC REPOSITIONING TO CONCENTRATE EXCLUSIVELY ON DELIVERING ENTERPRISE-GRADE SOLUTIONS FOR FINANCIAL INSTITUTIONS (FIS). THE MOVE, UNVEILED ALONGSIDE A VIBRANT NEW BRAND IDENTITY UNDER THE BANNER “BUILD FOR REAL LIFE”, SIGNALS MONEYHUB’S COMMITMENT TO HELPING FIS TRULY UNDERSTAND AND SERVE THEIR CUSTOMERS.

Under the leadership of CEO Alastair McGill, who joined the company from

global fintech Broadridge earlier this year, Moneyhub is affirming its focus on B2B capabilities that already power personalised financial experiences for millions of people and businesses across the UK. The company has undergone extensive transformation over the past 12 months, opening a new London office, and achieving double-digit revenue growth.

“Our vision is a financial world powered by our embedded technology, providing personalised, frictionless, always-on services. This means our FI clients optimise financial outcomes for their consumers anytime, anywhere,” said McGill. “A matter of years

ago this would have been impossible, but the advances in AI are now enabling this fundamental shift.

CDOs (Chief Data Officers) and Product Managers pull us in to accelerate their ability to build highly compelling journeys for their customers. In some respects it’s a blast from the past; where banks, pension companies, and financial advisers personally knew each of their clients and anticipated their needs — except now we’re able to achieve this at scale, with greater insight, and a better streamlined experience that evolves over the course of an individual’s life.”

Find out more

Simplify company secretarial and AML compliance.

Meet BGL's CAS 360 — the award-winning cloud solution that makes managing Companies House and AML compliance easy.

Save time

Automate reminders, documents and filings.

Work smarter

Cut double handling and manual data entry.

Stay compliant

Prepare for ECCT Act changes before the deadline.

Beyond webfiling

Create, track and manage everything in one place.

Joiin Achieves Intuit Platinum App Partner Status

JOIIN HAS ACHIEVED PLATINUM APP PARTNER STATUS WITH QUICKBOOKS, MARKING A MAJOR MILESTONE IN OUR MISSION TO DELIVER SMARTER, CONNECTED REPORTING POWERED BY AUTOMATION AND AI.

Big news from the Joiin team this month. We’ve been recognised by Intuit as a Platinum App Partner, the highest level within the Intuit Partner App Programme. It’s an achievement that celebrates our continued focus on automation, connectivity, and next-generation AI across financial and operational reporting.

What Platinum App Partner Means

Joiin has joined a select group of software providers who demonstrate exceptional innovation, customer satisfaction, and product excellence within the Intuit QuickBooks ecosystem.

For our customers, it’s a clear sign of our ongoing commitment to building a trusted, global solution for

QuickBooks users managing complex, multi-entity, and cross-platform reporting. Today, thousands of accountants, bookkeepers, and finance teams in more than 100 countries rely on Joiin to connect data from multiple entities, regions, and currencies. The result is a complete, real-time view of performance across their organisations.

Building the Future of Connected Reporting

At the heart of Joiin is Joiin Intelligence, our AI engine that brings instant insights across financial and operational metrics. It helps teams identify trends, spot anomalies, and uncover opportunities in real time.

Paired with Joiin Connect, our open API for tools like Power BI and Tableau, and our Microsoft Excel AddIn, Joiin delivers connected, automated reporting for QuickBooks users that links finance and operations seamlessly.

Find out more

Updates &

Synder Reaches Platinum Status in the Intuit Ecosystem – A New Chapter in Accounting Automation

WHEN A COMPANY BUILDS FOR GROWING BUSINESSES, ACCOUNTANTS, AND BOOKKEEPERS, THERE’S NO BIGGER COMPLIMENT THAN BEING RECOGNIZED BY THE ECOSYSTEM THAT SHAPED MODERN ACCOUNTING ITSELF. AND WE’RE PROUD TO SHARE THAT SYNDER HAS REACHED PLATINUM APP PARTNER STATUS IN INTUIT’S APP PARTNER PROGRAM, A MILESTONE THAT REFLECTS YEARS OF DEDICATION TO ACCURACY, AUTOMATION, AND TRUST.

A partnership built on precision

Platinum isn’t just a badge, but a mirror. It reflects consistency, reliability, and the relentless pursuit of quality. Earning this recognition means Synder now stands among the most

trusted innovators in Intuit’s ecosystem – the select few like Expensify, Gusto, and Dext, whose integrations have proven indispensable to QuickBooks users worldwide.

From the start, our mission has been ambitious: to turn accounting complexity into smooth, automated precision that keeps businesses moving forward. By bringing together 30+ ecommerce platforms, payment systems, and ERPs under one smart roof, Synder gives companies and accountants the freedom to work faster, see clearer, and scale without limits.

What Platinum means

For growing ecommerce brands, Platinum status represents trust and reliability.

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WE ARE ABSOLUTELY THRILLED TO ANNOUNCE THE APPS THAT HAVE MADE IT THROUGH THE RIGOROUS FIRST ROUND OF JUDGING AND ARE NOW THE OFFICIAL FINALISTS FOR THE GLOBAL APP AWARDS 2025!

This year’s competition, our first unified global program, saw an overwhelming response from our valued apps, showcasing the incredible innovation and impact across the Xero App Ecosystem.

A huge congratulations to all the developers and teams behind these exceptional apps!

Presenting the Global App Awards 2025 Finalists!

The following apps have

been selected as the top contenders in their respective categories and regions. You can also explore the finalists on the Xero App Store by selecting the region: Australia, UK, USA, New Zealand, Canada, South Africa, Asia, Ireland.

��Small Business App of the Year: Meet the finalists who are making an impact for small businesses.

• Global: ApprovalMax, Paidnice, ServiceM8, Synder

• Australia: Cin7, Paidnice, ServiceM8, Xonboard

• UK: G-Accon, Jibble, Onboard, Synder

• USA: ApprovalMax, A2X, Gusto, Projectworks

• New Zealand: LeaveCal by Finlert, Oncoard, Sumday, Taxomate

Find out more

Our ICB accreditation confirms Joiin as a trusted reporting solution for bookkeepers and accountants everywhere.

E’RE DELIGHTED TO SHARE THAT JOIIN HAS BEEN OFFICIALLY ACCREDITED BY THE INSTITUTE OF CERTIFIED BOOKKEEPERS (ICB), THE WORLD’S LARGEST BOOKKEEPING ORGANISATION, REPRESENTING OVER 150,000 MEMBERS ACROSS MORE THAN 100 COUNTRIES. Why this matters

This recognition is about

more than a badge. It confirms that Joiin meets the high standards expected by bookkeepers and accountants for accuracy, reliability and data security. From day one, we’ve focused on making financial reporting clearer and faster, and ICB accreditation reinforces that commitment to quality and trust.

“It’s easy to use, scalable, and a great time-saver for complex clients.” Lara Manton C.MICB

“I’d recommend it to anyone who currently spends hours pulling data from spreadsheets.” Clare Kendall FICB

“I recommend it for anyone with consolidations, real-time data, or multi-entity clients.” Tim Chilstone C.MICB PM.Dip

Commerce Introduces BigCommerce Payments Powered by PayPal

New embedded payment service will deliver seamless merchant experience, advanced BNPL options, and a unified balance dashboard, launching for US merchants in 2026.

COMMERCE, (NASDAQ: CMRC), AN OPEN, INTELLIGENT ECOSYSTEM OF TECHNOLOGY SOLUTIONS AND THE PARENT COMPANY OF BIGCOMMERCE, TODAY ANNOUNCED A NEW EMBEDDED PAYMENT PROCESSING SOLUTION AVAILABLE EXCLUSIVELY TO BIGCOMMERCE MERCHANTS. POWERED BY PAYPAL (NASDAQ: PYPL), BIGCOMMERCE PAYMENTS IS SLATED FOR A U.S. LAUNCH IN 2026, WITH INTERNATIONAL EXPANSION PLANNED IN SUBSEQUENT PHASES.

This strategic expansion builds on more than a decade of close partnership between Commerce and PayP-

al, marking a new chapter in their collaboration. Through this optional co-branded integration, merchants will gain access to advanced payment capabilities, simplified account management, and buy now, pay later (BNPL) via PayPal’s Pay Later offering, all seamlessly managed within the BigCommerce Control Panel.

“Commerce is thrilled to extend our longstanding partnership with PayPal and work together on this new payments solution,” said Travis Hess, CEO at Commerce.

Find out more

PayPal Launches Agentic Commerce Services to

Power AI-Driven Shopping

TODAY, PAYPAL INC. LAUNCHED AGENTIC COMMERCE SERVICES, A SUITE OF SOLUTIONS THAT ALLOW MERCHANTS TO ATTRACT CUSTOMERS AND FUTURE-PROOF THEIR SUCCESS IN THE NEW ERA OF AI-POWERED COMMERCE. BUILT UPON PAYPAL'S TRUSTED PAYMENTS INFRASTRUCTURE, IDENTITY VERIFICATION, AND BUYER PROTECTION, ITS AGENTIC COMMERCE SERVICES ARE DESIGNED TO ENABLE THE FIRST WAVE OF COMMERCE CAPABILITIES FOR THE EMERGING WORLD OF AI-DRIVEN SHOPPING.

PayPal's agentic commerce services will initially

include an agentic payment solution, as well as a catalog and order management offering that helps merchants seamlessly connect product data, inventory, and fulfillment with AI-driven discovery and checkout experiences.

PayPal is building these capabilities with an open approach that supports leading payments protocols and AI platforms, giving merchants flexibility to integrate across multiple AI ecosystems through one single integration.

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Starling launches UK-first AI tool to combat scams

STARLING BANK IS USING AI TO HELP CUSTOMERS SPOT THE WARNING SIGNS OF PURCHASE SCAMS. THE NEW TOOL, SCAM INTELLIGENCE, LETS CUSTOMERS UPLOAD IMAGES OF ITEMS AND ADS FROM ONLINE MARKETPLACES, AND ANALYSES THEM FOR SIGNS OF FRAUD BEFORE SERVING PERSONALISED GUIDANCE IN SECONDS. IT IS AVAILABLE TODAY FOR PERSONAL, JOINT AND BUSINESS ACCOUNT CUSTOMERS.

It’s the first time a UK bank has offered an AI-powered scam detection tool in its app, and follows the launch of Starling’s Spending Intelligence tool in June, which marked Starling as the first UK bank to put AI in customers’ hands.

“With Scam Intelligence,

Starling customers can better protect themselves from scams, and learn more about the warning signs too,” said Harriet Rees, CIO at Starling. “Knowledge is power when it comes to managing and protecting your money, and we believe AI is giving our customers exactly that.”

The fight against fraud

Scam Intelligence launches as fraud cost the UK £1.17 billion in 2024, with authorised push payment (APP) fraud, where customers unwittingly approve payments to scammers, accounting for £450 million. The bank aims for Scam Intelligence to reduce instances of APP fraud by warning customers against specific indicators of scams and educating them about what to monitor for in future transactions.

Customers can upload an image to Scam Intelligence, including images of items, listings and messages from sellers on online marketplaces. The tool can also analyse screenshots of texts and messages from potential scammers that are asking Starling customers to transfer money.

If a customer is trying to buy a bike from Facebook Marketplace, Scam Intelligence might inform them that the price is too good to be true, the image in the ad isn’t genuine, or the bank account details don’t match the seller’s details. If a customer is trying to buy a guitar on eBay, Scam Intelligence might flag the seller’s refusal to use eBay’s secure payment features. Similarly, if customers receive requests to transfer money before seeing an item in person, Starling’s tool could

Venmo and Bilt Unveil

detect pressure and urgency tactics.

Armed with this intelligence, customers can then decide whether to continue with the purchase, or not.

“Fraud is ruthless, and it’s vital that every organisation supports people to avoid scams. I welcome Starling’s new tool, which is a great example of how AI can be used in the battle against fraud,” said Minister for Fraud, Lord Hanson. “This government is stepping up our response, bringing forward an expanded Fraud Strategy to disrupt criminal networks and protect the public. I continue to urge everyone to follow Stop! Think Fraud advice.”

kicks off Venmo's in-app commerce strategy with a more rewarding way to pay rent, mortgage, and neighborhood merchants

VENMO, THE MONEY MOVEMENT APP REDEFINING SOCIAL PAYMENTS FOR THE NEXT GENERATION, TODAY ANNOUNCED AT MONEY20/20 IN LAS VEGAS, A PARTNERSHIP WITH BILT, THE NATION'S LARGEST HOUSING AND NEIGHBORHOOD COMMERCE PLATFORM, TO EXPAND HOW PEOPLE USE VENMO FOR EVERYDAY PAYMENTS. THE PARTNERSHIP BRINGS RENT PAYMENTS, MORTGAGE REPAYMENTS, AND NEIGHBORHOOD COMMERCE INTO THE VENMO EXPERIENCE, MARKING A MAJOR STEP IN VENMO'S EVOLUTION FROM A PEERTO-PEER PAYMENTS APP TO AN EVERYDAY COMMERCE PLATFORM.

From early 2026, Bilt Members will have a new way to not only pay their rent and mortgage, but also to shop at Bilt neighborhood merchants, adding Venmo to

Bilt's existing payment options of ACH, debit, and any linked credit card. Members will be able to make housing payments directly in the Bilt app, or within Venmo using their Venmo balance or linked payment methods, and benefit from the same during everyday activities like dining, shopping, and fitness classes.

The partnership combines Bilt's rent and rewards network with Venmo's trusted and social payment experience, giving millions of renters and homeowners a simple, flexible, and rewarding way to pay each month. Bilt Members can complete monthly payments in just a few taps, split costs with roommates, and earn Bilt Points that can be redeemed for travel, fitness, home decor, and more.

PAYPAL, INC. TODAY ANNOUNCED IT WILL ADOPT THE AGENTIC COMMERCE PROTOCOL (ACP) TO EXPAND PAYMENTS AND COMMERCE IN CHATGPT. MILLIONS OF CHATGPT USERS WILL BE ABLE TO CHECK OUT INSTANTLY USING PAYPAL, AND PAYPAL WILL SUPPORT PAYMENTS PROCESSING FOR MERCHANTS LEVERAGING OPENAI INSTANT CHECKOUT. PAYPAL WILL ALSO CONNECT ITS GLOBAL MERCHANT NETWORK TO OPENAI, CREATING A PLATFORM FOR TENS OF MILLIONS OF SMALL BUSINESSES AND THE LARGEST BRANDS IN THE WORLD TO SELL WITHIN CHATGPT.

"Hundreds of millions of people turn to ChatGPT each week for help with everyday tasks, including finding products they love, and over 400 million use PayPal to shop," said Alex Chriss, President and CEO of PayPal. "By partnering with OpenAI and adopting the Agentic Commerce Protocol, PayPal will power payments and commerce experiences that help people go from chat to checkout in just a few taps for our joint customer bases."

This partnership unlocks the convenience of PayPal's wallet in Instant Checkout, including multiple funding options such as bank, balance, and cards, as well as PayPal's buyer and seller protection

Mastercard and PayPal Join Forces To Accelerate Secure Global Agentic Commerce

MASTERCARD AGENT PAY WILL INTEGRATE WITH PAYPAL’S WALLET TO EXPAND AND SCALE AGENT-DRIVEN TRANSACTIONS FOR CONSUMERS AND BUSINESSES GLOBALLY.

What we’re saying:

• Mastercard and PayPal are expanding their longstanding partnership to unlock secure, seamless agentic commerce.

• Mastercard Agent Pay, the company’s agentic payments platform, will be integrated into PayPal’s wallet to allow AI agents to simply and securely complete transactions on behalf of PayPal users.

• Hundreds of millions of consumers and tens of

millions of merchants globally will be able to participate in agentic commerce experiences, including the millions of Mastercard cards on file across the PayPal platform and the company’s co-branded credit and debit cards.

• As a part of this collaboration, PayPal will pilot the Mastercard Agent Pay Acceptance Framework and partner to co-develop and test with agents and merchants in the market. This work will ensure compatibility and interoperability with Mastercard and common agentic protocols, as well as enable AI agent verification and data exchange compatible with recently announced agentic protocols.

How it will work:

• Mastercard will enable cardholders to access their credentials securely via PayPal checkout wherever PayPal is accepted on an agent platform or agentic chat experience.

• For example, Tom wants to buy new running shoes and asks an AI agent to search for merchants and suggest tailored options.

• Tom selects his preferred pair—on sale, in his size, and available for 2-day shipping—from a PayPal merchant and asks his agent to check out.

• The AI agent knows that Tom uses PayPal and recognizes that the merchant accepts PayPal. It asks if Tom wants to checkout with PayPal. Tom then ver-

ifies his identity to quickly validate it is him making the purchase. Mastercard and PayPal’s platforms make this seamless and secure via tokenization and authentication.

Why it matters:

• Consumers and businesses around the world rely on Mastercard and PayPal to safeguard their payments. Integrating Mastercard Agent Pay into PayPal’s wallet further enhances security for AI-powered shopping while also expanding choice.

• As AI agents increasingly play a role in commerce on behalf of users

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Worldpay Unveils Patent Pending AIpowered 3D Secure Optimization Service to Increase Payment Approvals

ORLDPAY®

WTODAY ANNOUNCED THE LAUNCH OF ITS INNOVATIVE AUTHENTICATION OPTIMIZATION SERVICE, A PATENT-PENDING SOLUTION DESIGNED TO MAXIMIZE PAYMENT APPROVAL RATES AND MINIMIZE UNNECESSARY FRICTION FOR MERCHANTS USING 3D SECURE (3DS) TO AUTHENTICATE PAYMENTS. THIS SERVICE IS WIDELY AVAILABLE TO MERCHANTS THAT ACCEPT PAYMENTS IN NON-3DS REGULATED MARKETS.

“With the Authentication Optimization Service, we’re using AI and deep transaction insights to help merchants capture more revenue and deliver seamless payments, especially in

markets where strong consumer authentication isn’t required,” said Cindy Turner, chief product officer at Worldpay. “At Worldpay, security and seamlessness aren’t mutually exclusive — they’re critical components in how we optimize every payment. Our scale, data, and technology turn declines into approvals, helping clients win back missed revenue, while reducing the kind of friction at checkout that can lead to abandoned carts.”

The new service uses artificial intelligence to leverage payment insights across billions of global transactions processed by Worldpay. It makes real-time decisions on when to apply 3DS to authenticate the transaction or directly authorize the pay-

ment based on factors such as risk and issuer preference.

This AI-powered solution goes beyond rigid, rulesbased systems by intelligently routing transactions to 3DS authentication only when truly necessary — either for regulatory compliance or when Worldpay's data indicates a high probability of issuer acceptance. This targeted approach reduces unnecessary friction while maintaining security and compliance standards.

“At Visa, we understand the need to ensure both security and seamless payment experiences,” said James Mirfin, SVP, head of risk and identity solutions at Visa. “We are proud to be a part of Worldpay's new Authentication Optimiza-

tion Service, which will help merchants boost approvals while maintaining high levels of security. Data-driven, adaptive approaches like this can help bridge the gap between merchant needs and issuer risk management — delivering better outcomes for everyone in the payments ecosystem.”

Key Benefits and Features:

• Maximized Approvals: Early results from a twomonth pilot study with a leading cruise line company that uses 3DS on all transactions demonstrated a 5.5% improvement in authorization rates on average

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Worldpay Signs Exclusive Agreement to Power Kroger’s Payment Processing

Worldpay selected for a full suite of innovative payments solutions in new, long-term agreement

WORLDPAY®, AN INDUSTRY LEADING PAYMENTS TECHNOLOGY COMPANY, ANNOUNCED TODAY THAT IT HAS SIGNED AN EXCLUSIVE AGREEMENT TO PROVIDE KROGER WITH COMPREHENSIVE PAYMENT PROCESSING SERVICES FOR IN-STORE, ONLINE AND MOBILE TRANSACTIONS. KROGER IS ONE OF THE WORLD'S LARGEST FOOD RETAILERS AND SERVES OVER 11 MILLION CUSTOMERS DAILY THROUGH E-COMMERCE

AND GROCERY STORES UNDER A VARIETY OF BANNER NAMES.

"We are pleased to be selected by Kroger to provide our full suite of innovative payment solutions,” said Jason Pavona, general manager, North America at Worldpay. “As payments methods continue to evolve, we look forward to helping keep Kroger at the leading edge of commerce innovation.

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Sharesight product updates — October 2025

THIS MONTH, WE'VE ROLLED OUT A FREQUENTLY REQUESTED NEW CALENDAR FEATURE TO OUR BETA USERS. THE CALENDAR SHOWS ALL YOUR PAST AND UPCOMING INCOME WITH DAILY AND MONTHLY TOTALS. YOU CAN ALSO EASILY FILTER THE VIEW BY THE INCOME STATUS. THIS COMPLEMENTS THE FUTURE INCOME REPORT AND GIVES YOU AN ALTERNATIVE, VISUAL WAY TO TRACK YOUR INCOME.

We’ve also further expanded our broker support,

continued our ongoing work to improve product performance (loading speeds), and are nearing completion on another commonly requested new feature which will be released to beta users in the coming weeks.

If you’d like to try out the calendar and other upcoming new features before they are released to all users, simply toggle on the beta setting in the Account preferences menu and be sure to leave us your feedback.

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