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Speaker 1: Welcome to the Fear and Greed Business Interview. I'm Sean Alma.

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Speaker 1: We're big fans of small business in this podcast. To

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Speaker 1: grow a small business, you've got to master so many

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Speaker 1: individual skills, and when it comes to soul operators, you're

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Speaker 1: doing it all the bookings, the invoicing, all the paperwork,

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Speaker 1: the marketing, not to mention the actual job itself. Now,

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Speaker 1: miyob has developed an app specifically designed for soul operators,

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Speaker 1: sole traders, freelancers, contractors, consultants, side hustlers, self employed. The

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Speaker 1: app is called Solo Solo Solo by moyob, and it

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Speaker 1: uses a mobile phone to take away the hassle of

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Speaker 1: admin entirely. Paul Robson is the CEO of moyob, which

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Speaker 1: is a great supporter of this podcast. Paul, welcome to

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Speaker 1: Fear and Greed.

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Speaker 2: Sean, thank you for having me back.

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Speaker 3: And we are also big fans of smaller medium businesses.

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Speaker 1: Absolutely. Now, I want to get to solo in a minute,

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Speaker 1: because to me, the bain of my existence is finding

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Speaker 1: time to find sit down in front of my computer

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Speaker 1: and kind of do all this sort of stuff. But

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Speaker 1: just before we get to the app itself, you guys

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Speaker 1: you deal with small business as medium sized businesses all

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Speaker 1: the time. How much pressure is small and I suppose

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Speaker 1: soul operators particularly, how much pressure are they under right now?

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Speaker 2: Yeah, I mean sure.

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Speaker 3: We definitely are in a very unique position in that

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Speaker 3: we serve primarily the smaller medium business segment across Australia

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Speaker 3: and New Zealand, and that is literally hundreds of thousands

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Speaker 3: of small and medium sized organizations and in that position,

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Speaker 3: we have a very very unique view of how they

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Speaker 3: are performing. We can see that through direct data feeds

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Speaker 3: of kind of use on platform, number of invoices created,

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Speaker 3: number of receipts that are being kind of processed, et cetera.

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Speaker 3: So we can see a whole bunch of data cometor

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Speaker 3: of the system, and we anonymize that data and we

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Speaker 3: provide that as a survey report. We call the perfectively

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Speaker 3: the mob Business Monitor. And right now, so it may

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Speaker 3: not surprise any of your listeners to know that the

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Speaker 3: small business community is under significant pressure. And there's two

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Speaker 3: or three factors that are most important in the world

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Speaker 3: that are creating the largest amount of that pressure. The

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Speaker 3: first one is cost of living and the cost of

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Speaker 3: just doing business. On the cost of living side, there's

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Speaker 3: less disposable income in the economy. Less people are going

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Speaker 3: out and buying that extra coffee, having that extra breakfast out,

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Speaker 3: or buying another product or service from a small business,

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Speaker 3: and that's a little worrying coming into a holiday period

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Speaker 3: such as now. On the cost of business side, it

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Speaker 3: really is the cost of capital, interest rates, it's the

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Speaker 3: cost of some of the input pieces like electricity. So

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Speaker 3: they are being hit a little bit from both directions

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Speaker 3: right now, less kind of money in the market being

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Speaker 3: spent on goods and services, and it's more expensive to

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Speaker 3: run and operate a business that it is today than

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Speaker 3: it has been the past.

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Speaker 1: And is this the cross industries.

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Speaker 3: Interestingly, I'll give you two breakdowns. Sure, I'll give you

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Speaker 3: a buy sector, and I'll give it to you by state.

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Speaker 3: It's standard across all states with the exception of Western Australia.

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Speaker 3: So Western Australia is the only geographical state region that

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Speaker 3: we're seeing small businesses actually doing better than the other

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Speaker 3: kind of regions and bi sector.

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Speaker 2: The two sectors that are performing better.

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Speaker 3: Than the others right now are agriculture and that's been

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Speaker 3: driven a lot by just livestock prices and crop prices,

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Speaker 3: and the other one is a health and well being

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Speaker 3: and the health and wellbeing piece has been driven by

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Speaker 3: two pieces, one generally an aging population and secondly just

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Speaker 3: the level of immigration that we have into the country

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Speaker 3: at the moment of propping up both of those two,

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Speaker 3: the ones that are being hurt the most will be

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Speaker 3: of no surprise. But really as hospitality, retail the areas

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Speaker 3: that are very quickly impacted when there's an impact of

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Speaker 3: disposable income.

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Speaker 1: So let's go on to sole operators. Why does so

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Speaker 1: actually asking a question out of the answer of because

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Speaker 1: I'm in this exact but why is it that we

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Speaker 1: do everything so manually? Why is it that we rely

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Speaker 1: on spread sheets?

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Speaker 3: Well, it's probably worthwhile defining what a sole operator is.

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Speaker 3: First true, a sole operator, generally speaking, is someone who

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Speaker 3: is running a non employing entity. That's how we generally

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Speaker 3: kind of define that operator. It's not necessarily someone whose

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Speaker 3: entire job is doing that functional or creating a business,

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Speaker 3: because in many cases, a sole operator is someone running

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Speaker 3: effectively a side hustle. There may be someone working in

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Speaker 3: an established organization or a large corporation, or working in

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Speaker 3: a government department that he's doing something on a weekend.

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Speaker 3: Could be anything from creating something that they're selling at

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Speaker 3: a local market. It might be someone who has a

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Speaker 3: hobby farm. It might be someone who's providing services. It

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Speaker 3: might be a freelancer. It might be a creative person

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Speaker 3: who is, you know, sculpting in the backyard or selling paintings.

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Speaker 3: It literally covers so many spectrums of industries, but the

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Speaker 3: main definition is an entity that he is not employing

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Speaker 3: and effectively has the person who is operating the entity

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Speaker 3: is the person running the entity, And as you said

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Speaker 3: a second ago, they're generally not very focused on using

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Speaker 3: digital technology, and in many cases that's because of the

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Speaker 3: way they started that entity. They've started, usually doing something

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Speaker 3: on a very small scale, and it may build up

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Speaker 3: over time. The scale may increase over time, but before

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Speaker 3: they know it, they've got puts and takes, ins and

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Speaker 3: outs of that of the business happening. But they never

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Speaker 3: set up the digital foundation in the first place, and

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Speaker 3: so that results in them in some cases running their

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Speaker 3: business with a shoe box full of receipts and an

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Speaker 3: Excell spreadsheet, or they're generating invoices using Microsoft Word or

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Speaker 3: a PDF, and so they start having all these different

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Speaker 3: kind of functions around their business. And one of the

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Speaker 3: other things that's super interesting is small businesses that are

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Speaker 3: running as a sole operator in many cases don't differentiate

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Speaker 3: their bank account between the bank accounts they may be

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Speaker 3: accepting their salary into and also the bank account that

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Speaker 3: they're operating the business in. So they so therefore and

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Speaker 3: why is that important? It means that sometimes it masks

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Speaker 3: the ability for them to really understand the cash flow

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Speaker 3: of the business that they're running.

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Speaker 1: Wow, that that part surprises me.

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Speaker 2: I suppace.

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Speaker 1: The point here is that you if you have an

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Speaker 1: app like Solo and you get yourself away from those

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Speaker 1: Microsoft the word invoices and away from the spreadsheets and

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Speaker 1: all that, you're actually going to save yourself a lot

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Speaker 1: of time and be much much more efficient. Only when

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Speaker 1: it comes to find out who's paid you know, who

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Speaker 1: paid that invoice, it's actually hard to chase that down

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Speaker 1: unless you've got software like this.

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Speaker 3: Yeah, I mean so, in terms of numbers, there's about

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Speaker 3: one point five million small business operators that are operating

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Speaker 3: as non employee entities. So that's the size of the

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Speaker 3: market at those one point five and by the way,

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Speaker 3: that's sixty one percent of business entities in the country.

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Speaker 3: So the vast majority of business entities in Australia are

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Speaker 3: sole operating entities, over half of that number, so call

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Speaker 3: it around six hundred and seven hundred thousand. We believe

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Speaker 3: our data shows us are not using digital technology to

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Speaker 3: run their business.

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Speaker 2: So what happens?

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Speaker 3: What's the difference if you do by using an app

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Speaker 3: like Solar by moob and sold by Moobs a native

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Speaker 3: and mobile native, think about it as like an assistant

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Speaker 3: in your pocket.

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Speaker 2: And what it does is it allows you to create

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Speaker 2: on the fly invoices.

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Speaker 3: So you can be at a bus stop, at a cafe,

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Speaker 3: wherever you are and you can literally on your phone

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Speaker 3: creating invoice, or you can recognize a receipt and start

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Speaker 3: an accounting workflow. The ability for you to do that

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Speaker 3: on the fly means that you're staying up to day

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Speaker 3: with the day to day, minute by minute actions inside

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Speaker 3: your business. And then our data on that shows for

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Speaker 3: the customers that are currently using Solo by Moob that

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Speaker 3: they're saving up to seventeen hours a week of administrative

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Speaker 3: burden just by staying on top of those actions as

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Speaker 3: they happen, rather than leaving them and doing a whole

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Speaker 3: kind of bunch of work at the end of the

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Speaker 3: week and impacting on time. And if there is one

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Speaker 3: thing that small small business operators tell us that they

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Speaker 3: do not have anyone you're enough of, it's time. It's

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Speaker 3: time for a couple of reasons. Sometimes to run that

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Speaker 3: will many many cases, to run the business, but also

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Speaker 3: sometimes they want some time back with their family and

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Speaker 3: their friends to be able to continue to have that

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Speaker 3: social engagement. And so anything that gives time back, it's

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Speaker 3: not just about the financial benefit of being able to

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Speaker 3: use that time in billable hours, but it's also about

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Speaker 3: giving sole operators time back in their week to do

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Speaker 3: other activities.

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Speaker 1: Stay with me, Paul, we'll be back in a minute.

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Speaker 1: My guest this morning is Paul Robson, CEO of m IOB.

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Speaker 1: Does AI fit into this at all?

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Speaker 2: AI is really important. Obviously, the world's exploding in terms

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Speaker 2: of AI.

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Speaker 3: You know, I wouldn't be running a software or a

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Speaker 3: technology company unless I could talk to you about how

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Speaker 3: AI is impacting the market and the world.

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Speaker 2: And certainly in this solid by.

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Speaker 3: Myb is built with AI all the way through it

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Speaker 3: in a number of different features.

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Speaker 2: And I'll call a couple of them out.

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Speaker 3: One is we use AI in a feature to do

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Speaker 3: the categorization of receipts.

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Speaker 2: Think about Solo by NYB. Not only is a tool

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Speaker 2: that allows you to.

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Speaker 3: Create an invoice or to recognize a receipt, but it

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Speaker 3: also very importantly starts the ATO ready process for account

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Speaker 3: keeping that you need to do to be able to

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Speaker 3: submit your tax return. So the ability to create an

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Speaker 3: invoice or to recognize the receipt is one thing to

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Speaker 3: capture that, it's an entirely different thing to start what

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Speaker 3: effectively is the journal entry that then moves through the

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Speaker 3: ledger and ultimately results in you having a set of

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Speaker 3: financial statements that you can use to submit your tax return.

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Speaker 3: And that process is so important, and he's deeply connected

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Speaker 3: to the create the invoice or recognize the receipt, and

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Speaker 3: we use a whole bunch of AI technology to kind

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Speaker 3: of create those workflows.

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Speaker 2: Another part of the AIP we use, which is.

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Speaker 3: Super important, is there are a lot of people that

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Speaker 3: are running businesses that aren't necessarily digitally literate. In many cases,

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Speaker 3: there are also people that may recently arrived to Australia

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Speaker 3: where English isn't their first language, and so we use

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Speaker 3: a whole bunch of AI.

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Speaker 2: Tools to help with the onboarding journey and.

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Speaker 3: The step by step process of helping our customers understand

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Speaker 3: how to use the technology, get it up and running,

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Speaker 3: and how to kind of use the features inside the app.

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Speaker 1: Okay salo by miob also has a community basis to

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Speaker 1: it as well.

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Speaker 2: Tell me about that.

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Speaker 3: Yeah, the community piece is one of the most important

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Speaker 3: things for us in this context when we research the

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Speaker 3: one and a half million sole operators in the Australian

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Speaker 3: market and we look to build out a product that

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Speaker 3: met their needs in their requirements.

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Speaker 2: That's what we've done.

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Speaker 3: We've built out a phenomenal product that is going to

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Speaker 3: save time, save money, drive efficiency, drive productivity and help

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Speaker 3: digitize a smaller medium business or there's certainly display in

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Speaker 3: this case the sole operate a part of the market.

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Speaker 2: We're super excited about that.

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Speaker 3: The one thing that we learned as we went through

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Speaker 3: that discovery and build process is that sole operators are

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Speaker 3: actually quite lonely, and they're lonely because they're operating solely.

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Speaker 3: They don't have an office environment, they don't have colleagues

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Speaker 3: to go talk to, and so one of the things

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Speaker 3: that came through very clearly, our research was those customers

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Speaker 3: wanted to be part of a community, to learn from

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Speaker 3: each other, to engage from each other, to share tips

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Speaker 3: and tricks, to understand what might be working for you

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Speaker 3: over there and me over here. And so one of

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Speaker 3: the features that we built out inside Solo by myov

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Speaker 3: is a really strong focus on the community, and there's

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Speaker 3: a whole portal that allows like minded customers to talk

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Speaker 3: to each other, share their experiences, and engage in a community,

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Speaker 3: provide that connection that you would otherwise not.

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Speaker 2: Normally have as a sole operator.

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Speaker 1: Fantastic Paul, thank you for talking to Fear and Greed.

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Speaker 2: Sean, thank you so much for having us that it was.

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Speaker 1: Paul Robson, CEO of myob which is a great supporter

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Speaker 1: of this podcast. This is the Fear and Greed Daily Interview.

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Speaker 1: Join us every morning for the full episode of Fear

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Speaker 1: and Greed Aily. Business DearS for people who make their

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Speaker 1: own decisions. I'm Sean Elmer. Enjoy your day.