08/27/2026
We ran a national survey this year on how Canadian small and mid-sized businesses actually manage their finances. One of the results cost us.
The Zenbooks Financial Clarity Index found, that In-house bookkeeping and outsourced or virtual support scored within noise of each other, 2.8 points apart. Zenbooks is fully remote. We have spent a decade positioning on a distinction the data cannot detect.
What did show up was infrastructure. Integrated accounting, banking and payroll scored 71.9 against 44.1 for mostly manual processes, the widest gap we measured. Regular accountant contact was the strongest behavioural correlate in the dataset.
Which raises a question about the order in which our profession sells its work. We wrote it up for Canadian Accountant.
The missing layer has an old name.