RBA Surcharge Ban: What Changes 1 October 2026
On 1 October 2026, Australian businesses lose the ability to surcharge card payments. Most of the coverage so far has been about what that means for …
Articles by Simon Lenoir
Airwallex Alternative for Australian SMEs: Budgetly Compared
In short: the best Airwallex alternative for an Australian SME depends on what you actually use it for. Airwallex is a global payments and …
Xero Expense Management: The Complete Guide
In short: Xero records expenses, it doesn’t control them. To manage expenses in Xero without manual data entry, you connect a dedicated expense …
R&D Tax Incentive 2026-27: What Changed for Startups
The May 2026 Federal Budget delivered the biggest overhaul of the R&D Tax Incentive since 2021. If your startup claims the R&D offset (or …
Bank Cards vs Instant Virtual Cards for Australian SMEs
Picture this: your new marketing coordinator starts Monday. She needs to buy Facebook ads, pay for a design tool subscription, and order business …
Shared Card Chaos: The Hidden Cost of One Card for the Whole Team
It’s month-end. You’re staring at a bank statement with 47 transactions on one card. Who bought the $312 worth of office supplies? Which …
From budget owner to growth champion
Executive summary Why is budget ownership not enough anymore? Because simply holding a budget doesn’t guarantee accountability or impact. Without …
Autonomy with accountability: earning Finance's trust
Executive summary Why does accountability often feel like micromanagement? Because traditional finance processes rely on manual checks, constant …
Empowering managers with real-time budget ownership
Executive summary Why do managers struggle with budget ownership? Because they often see numbers weeks after spending has already occurred, leaving …
Exceptions without bottlenecks: Smarter approval flows
Executive summary Why do exceptions cause bottlenecks? Because every out-of-policy request or unusual expense gets stuck in manual approval chains. …
Stuck waiting: The high cost of approval delays
Executive summary Why are approval delays so costly? Because they slow down projects, frustrate staff, and reduce finance’s credibility as a partner …
Peace of mind: Creating a secure spend culture
Executive Summary Why does spend security matter? Because even small oversights can damage financial stability, credibility, and employee trust. What …
Stopping fraud in its tracks: Tech as your financial watchdog
Executive Summary Why is fraud such a persistent risk? Because manual processes, delayed reporting, and fragmented systems leave gaps that can be …
Compliance made easy: Automating policies and audits
Executive summary Why is compliance such a burden for finance teams? Because policies and audits often rely on manual effort, chasing receipts, and …
Guardrails, not handcuffs: Controls that prevent overspending
Executive summary Why do traditional controls fail? Because they act as barriers, slowing down decisions and frustrating employees, instead of guiding …