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Data & Insights

XSBI: Are interest rate or income tax cuts benefiting small businesses yet?

Oct 31, 2024

Data & Insights 4 min read

Cuts to official interest rates and income taxes have begun in some countries, with some hoping the changes would help boost consumer spending. Unfortunately, this doesn’t seem to be the case yet for small businesses, according to the latest Xero Small Business Insights (XSBI) data. What cuts have happened? Central banks have been busy in...

Louise Southall

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall">

Louise Southall Oct 31, 2024 4 min read

Data & Insights 2 min read Oct 3, 2024

What new XSBI data tells us about North American small businesses

Louise Southall

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall">

Louise Southall Oct 3, 2024 2 min read

Data & Insights 4 min read Oct 2, 2024

How Mutual Muse took circular fashion from trend to timeless

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2023/10/Logo.svg" alt="" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2023/10/Logo.svg" alt="" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2023/10/Logo.svg" alt="" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2023/10/Logo.svg" alt="" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2023/10/Logo.svg" alt="">

Xero Oct 2, 2024 4 min read

Data & Insights 4 min read Sep 19, 2024

Beyond automation: How AI can transform the human side of accounting

<img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2023/12/James-Bergin-profile-photo-scaled.jpeg" alt="Profile photo of James Bergin.">

James Bergin Sep 19, 2024 4 min read

Data & Insights 3 min read Aug 15, 2024

New insights into how consumers are making payments

Bharathi Ramavarjula Aug 15, 2024 3 min read

Data & Insights 4 min read Aug 7, 2024

Missing out on sales? You’re not alone

Louise Southall

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall">

Louise Southall Aug 7, 2024 4 min read

Data & Insights 3 min read Jul 24, 2024

Three simple ways to transform money management

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2023/10/Logo.svg" alt="" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2023/10/Logo.svg" alt="" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2023/10/Logo.svg" alt="" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2023/10/Logo.svg" alt="" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2023/10/Logo.svg" alt="">

Xero Jul 24, 2024 3 min read

Data & Insights 3 min read Jun 18, 2024

App partner stories: Keeping the wheels of Australia turning

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2023/10/Logo.svg" alt="" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2023/10/Logo.svg" alt="" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2023/10/Logo.svg" alt="" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2023/10/Logo.svg" alt="" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2023/10/Logo.svg" alt="">

Xero Jun 18, 2024 3 min read

Data & Insights 3 min read Jun 12, 2024

How does productivity in your industry or region stack-up?

Louise Southall

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall">

Louise Southall Jun 12, 2024 3 min read

Data & Insights 2 min read Apr 24, 2024

Small businesses are hiring: what to consider when growing your workforce

Louise Southall

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall">

Louise Southall Apr 24, 2024 2 min read

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