MYOB
“Can MYOB evolve from Australia and New Zealand's dominant SMB accounting platform into a full financial OS by embedding payments, lending, payroll, and spend management directly into its business management suite?”
Founded in 1991 as a desktop accounting software company for Australian and New Zealand SMBs, MYOB reinvented itself over the 2010s as a cloud-based business management platform. Beyond accounting, it expanded into payroll, payments, and financial services, partnering with fintechs like Stripe, Butn, and Valiant to embed financial products. The company now positions itself as a full business management OS for SMEs through sole traders to mid-market, embedding lending, invoicing payments, and AP/spend tools alongside its core accounting engine.