{"id":31383,"date":"2026-07-20T17:02:46","date_gmt":"2026-07-20T16:02:46","guid":{"rendered":"https:\/\/www.sage.com\/en-gb\/blog\/?p=31383"},"modified":"2026-07-20T17:04:46","modified_gmt":"2026-07-20T16:04:46","slug":"what-embedded-accounting-means","status":"publish","type":"post","link":"https:\/\/www.sage.com\/en-gb\/blog\/what-embedded-accounting-means\/","title":{"rendered":"Your\u00a0customers need more from their business banking experience\u00a0"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--standard entry-header--has-illustration entry-header--has-illustration--standard\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-gb\/blog\/category\/technology-innovation\/\" class=\"entry-header__link\">Technology &amp; Innovation<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tYour customers need more from their business banking experience \t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\tYour SME customers are managing their finances across multiple apps and losing hours every week to admin. Here\u2019s how embedded accounting changes that, and what it means for you.  \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \">Published <time class=\"entry-date published\" datetime=\"2026-07-20T17:02:46+01:00\">20 July, 2026<\/time><\/span><span class=\"reading-time\"> min read<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"Your\u00a0customers need more from their business banking experience\u00a0\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/en-gb\/blog\/what-embedded-accounting-means\/\"\n\t\t\tdata-share-text=\"Please read this interesting article\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Share<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copy Link<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copied<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n\t<\/header>\n\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/en-gb\/blog\/author\/ameliadunn\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2025\/10\/ameliadunn-350x350.jpg\" class=\"entry-author__image\" alt=\"Amelia Dunn\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2025\/10\/ameliadunn-350x350.jpg 350w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2025\/10\/ameliadunn.jpg 600w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/>\t\t\t\t<span class=\"entry-author__name\">Amelia Dunn<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Most&nbsp;small business&nbsp;owners have their&nbsp;routine.&nbsp;They&nbsp;check&nbsp;their&nbsp;bank account, then&nbsp;their&nbsp;accounting software. Then&nbsp;they&nbsp;try to remember which transactions&nbsp;they\u2019ve&nbsp;categorised, which invoices still need raising, and whether that VAT return is&nbsp;actually due&nbsp;when&nbsp;they&nbsp;think it is.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your customers are going through this right now and if your&nbsp;product isn\u2019t solving it, they\u2019ll move to one that is. Because the solution exists.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Their bank has the&nbsp;transaction&nbsp;info, receipts&nbsp;may&nbsp;live in a shoebox, and financial data&nbsp;spreads&nbsp;across&nbsp;spreadsheets that&nbsp;are updated manually.&nbsp;They&nbsp;have tools and systems, but&nbsp;they&nbsp;haven\u2019t&nbsp;been talking to each other in any meaningful way,&nbsp;leaving&nbsp;the work of connecting them&nbsp;to&nbsp;the SMB.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s\u00a0changed\u2014and it&#8217;s what we discuss in this article, as follows:<\/p>\n\n\n<?xml encoding=\"utf-8\" ?><div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><ul><li><a href=\"#h-what-embedded-accounting-means\" data-level=\"2\">What embedded accounting means<\/a><\/li><li><a href=\"#h-why-it-matters-right-now\" data-level=\"2\">Why it matters right now<\/a><\/li><li><a href=\"#h-what-nbsp-your-platform-should-be-delivering-nbsp\" data-level=\"2\">What&nbsp;your platform should be delivering &nbsp;<\/a><\/li><li><a href=\"#h-the-bigger-picture-nbsp\" data-level=\"2\">The bigger picture &nbsp;<\/a><\/li><li><a href=\"#h-final-thoughts\" data-level=\"2\">Final thoughts<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 id=\"h-what-embedded-accounting-means\" class=\"wp-block-heading\"><strong>What embedded accounting means<\/strong>\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.sage.com\/en-gb\/blog\/why-embedded-accounting-is-moving-up-the-agenda-for-banks-and-fintechs\/\" target=\"_blank\" rel=\"noreferrer noopener\">Embedded accounting<\/a> is what it sounds like: accounting capability built directly into a platform\u00a0your customer\u00a0already uses. In this instance, we\u2019re talking about\u00a0their\u00a0business bank account.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rather than exporting data, importing it elsewhere, and manually reconciling the difference,&nbsp;transactions are categorised automatically&nbsp;with&nbsp;books updated&nbsp;in real time&nbsp;and&nbsp;the&nbsp;SMB\u2019s&nbsp;tax position visible whenever&nbsp;it<s>\u2019<\/s>s&nbsp;needed. The accounting happens in the background, as a function of&nbsp;normal&nbsp;banking activity.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&nbsp;completely&nbsp;removes a layer of admin that most business owners have&nbsp;reluctantly&nbsp;accepted as part of the job,&nbsp;but it doesn\u2019t have to be that way.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s not a concept or a roadmap&nbsp;item;&nbsp;customers are using it right now.&nbsp;<\/p>\n\n\n\n<h2 id=\"h-why-it-matters-right-now\" class=\"wp-block-heading\"><strong>Why it matters right now\u00a0<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There&#8217;s a regulatory reason this is particularly timely. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.sage.com\/en-gb\/blog\/why-mtd-is-the-next-big-opportunity-for-uk-banks-fintechs-and-saas\/\" target=\"_blank\" rel=\"noreferrer noopener\">Making Tax Digital for Income Tax<\/a>,\u00a0HMRC&#8217;s requirement for sole traders and landlords earning over \u00a350,000 to submit quarterly digital tax updates,\u00a0came into effect in April 2026. The threshold drops to \u00a330,000 in April 2027, pulling in hundreds of thousands more\u00a0people. (<a href=\"https:\/\/www.icaew.com\/insights\/tax-news\/2025\/aug-2025\/up-to-3-million-individuals-may-need-to-comply-with-mtd\" target=\"_blank\" rel=\"noreferrer noopener\">HMRC actually estimates just over 1 million<\/a>\u00a0in 2027 and a further 975k in 2028 when it drops again to \u00a320,000.)\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For anyone affected, this isn&#8217;t just an admin change but a fundamental shift in how&nbsp;small business owners will&nbsp;interact with HMRC and the tools&nbsp;they\u2019ll&nbsp;use to do so and remain compliant.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Those who\u00a0embed\u00a0accounting\u00a0into their banking experience are\u00a0positioned to win here.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With embedded accounting,\u00a0data\u00a0flows in,\u00a0SMB\u00a0records\u00a0stay\u00a0current, and the submission process becomes far less stressful\u00a0because\u00a0an SME\u2019s\u00a0books are\u00a0up to date\u00a0by default rather than in a\u00a0last-minute\u00a0scramble for the deadline.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If&nbsp;your platform&nbsp;isn\u2019t&nbsp;MTD-ready,&nbsp;your customers will go looking for one that is.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 id=\"h-what-nbsp-your-platform-should-be-delivering-nbsp\" class=\"wp-block-heading\"><strong>What&nbsp;your platform should be delivering<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Embedded accounting is still a relatively new capability, and not all implementations are equal. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But here&#8217;s what good looks like and\u00a0what your customers will increasingly expect:\u00a0<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Real-time transaction categorisation.<\/strong>\u00a0Transactions should be automatically organised as they happen.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Invoicing and cash flow in one place.<\/strong>\u00a0Raising invoices and <a href=\"https:\/\/www.sage.com\/en-gb\/blog\/what-are-embedded-payments\/\" target=\"_blank\" rel=\"noreferrer noopener\">seeing their impact on cash position<\/a> shouldn&#8217;t require leaving your\u00a0platform.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Tax-ready records.<\/strong>\u00a0MTD-compliant by design, not an afterthought.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>No double-entry.<\/strong>\u00a0If the same piece of information exists in\u00a0the\u00a0bank and\u00a0the\u00a0accounting\u00a0record,\u00a0it\u00a0should only\u00a0be entered\u00a0once.\u00a0\u00a0<\/li>\n<\/ol>\n\n\n\n<h2 id=\"h-the-bigger-picture-nbsp\" class=\"wp-block-heading\"><strong>The bigger picture<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You have the opportunity to own\u00a0a version of business banking that functions as genuinely useful infrastructure for\u00a0an SME owner running their business. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019re in a world where\u00a0their bank\u00a0should be far more than just a place where money sits.\u00a0Both you and your customer\u00a0should understand\u00a0their\u00a0financial position in real time, see potential\u00a0issues before they become problems, and\u00a0they should be seeing you as the support that\u00a0removes\u00a0the compliance anxiety that comes with tax season.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s not a distant future. It&#8217;s what embedded accounting is beginning to deliver&nbsp;now, and it&#8217;s what the best business banking experiences will be built around&nbsp;in the immediate future and beyond.&nbsp;<\/p>\n\n\n\n<h2 id=\"h-final-thoughts\" class=\"wp-block-heading\">Final thoughts<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The question worth asking of yourself&nbsp;is a simple one:&nbsp;are you&nbsp;helping&nbsp;your customers&nbsp;run&nbsp;their&nbsp;business, or just recording that&nbsp;they&nbsp;did?&nbsp;One builds loyalty, the other encourages churn.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.sage.com\/en-gb\/sage-embedded-services\/\" target=\"_blank\" rel=\"noreferrer noopener\">Find out more about embedded accounting and what it can do for you here.<\/a>\u00a0\u00a0<\/p>\n\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Enhance your product with embedded accounting<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p>Help your platform lead the charge on compliance for MTD for Income Tax. Embed trusted tools today. Our secure, modular API technology integrates seamlessly with your existing products to streamline business administration and accounting processes for your small business customers and their accountants.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"https:\/\/www.sage.com\/en-gb\/sage-embedded-services\/\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tid=\"cta-id-28896\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-button-location=\"cta_box\"\n\t\t\t\t\t\t\t\t\t\t\t>Talk to an expert<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1214\" height=\"810\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2023\/09\/GettyImages-482073694-1214x810.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2023\/09\/GettyImages-482073694-1214x810.jpg 1214w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n\n<section class=\"more-topics alignfull has-grey-light-background-color wp-block-sage-post-topics\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col col-12 col-lg-4\">\n\t\t\t\t<h3 class=\"more-topics__title h2\">Browse more topics from this article<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"col col-12 col-lg-8\">\n\t\t\t\t<ul class=\"post-tags__list\">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-gb\/blog\/tag\/cloud\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tCloud technology\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-gb\/blog\/tag\/embedded-services\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tembedded services\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-gb\/blog\/tag\/fintech\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tFintech\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-gb\/blog\/tag\/making-tax-digital-for-income-tax\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tMaking Tax Digital for Income Tax\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-gb\/blog\/tag\/workplace-technology\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tWorkplace technology\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<div class=\"alignfull wp-block-sage-related-posts\">\n\t<section class=\"related-posts card-grid has-dark-background-color\">\n\t<div class=\"container\">\n\t\t\t\t\t<div class=\"row\">\n\t\t\t\t<div class=\"col\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--featured h1\">Explore more wisdom<\/h2>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"row related-posts__featured\">\n\t\t\t\t<div class=\"col card-grid__item\">\n\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-0 post-29874 post type-post status-publish format-standard has-post-thumbnail hentry category-strategy-legal-operations category-technology-innovation tag-business-finances tag-business-performance tag-cloud tag-digital-transformation tag-finance tag-make-receive-payments tag-midsized-business tag-payments tag-reduce-admin tag-workplace-technology business_type-medium-sized-business industry-food-beverage card-post--is-clickable\"\n>\n\t<div class=\"card-post__media-wrapper\">\n\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-526709144-1440x810.jpg\" class=\"card-post__image\" alt=\"why taking baby steps leads to big changes\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-526709144-684x384.jpg 684w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-526709144-768x432.jpg 768w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-526709144-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"card-post__content\">\n\t\t\t\t\t<div class=\"card-post__label\">Recommended<\/div>\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-04-27T15:33:01+01:00\">27 April, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">7 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h3\">\n\t\t\t\t\t\t\t<a\n\t\t\t\t\tclass=\"card-post__title-link\"\n\t\t\t\t\thref=\"https:\/\/www.sage.com\/en-gb\/blog\/5-pressures-every-hospitality-cfo-is-feeling-and-the-fix-for-each\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\t5 pressures every hospitality CFO is feeling\u2014and the fix for each\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\n\t\t\n\t\t\t\t\t<p class=\"card-post__description\">\n\t\t\t\tThe hospitality CFO&#8217;s role has shifted from scorekeeper to strategic partner. Here are five pressures quietly squeezing finance leaders across hotels, resorts and restaurants.\t\t\t<\/p>\n\t\t\n\t\t\t<\/div>\n\n\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"row related-posts__non-featured\">\n\t\t\t\t<div class=\"col col-12\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--more h4\">More on this Topic<\/h2>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-1 post-28899 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters tag-hr-processes-medium-businesses tag-hr-process tag-hr-payroll-benefits tag-midsized-business tag-payroll tag-workplace-technology business_type-small-business business_type-medium-sized-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-gb\/blog\/the-hr-and-payroll-leaders-report\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/03\/The-HR-Payroll-Leaders-Report-CTA-Image-684x384.jpeg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/03\/The-HR-Payroll-Leaders-Report-CTA-Image-684x384.jpeg 684w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/03\/The-HR-Payroll-Leaders-Report-CTA-Image-768x518.jpeg 768w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/03\/The-HR-Payroll-Leaders-Report-CTA-Image-1200x810.jpeg 1200w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-03-10T10:30:05+00:00\">10 March, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">1 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tThe HR and Payroll Leaders&#8217; Report: How 1,000 professionals are adapting to change\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-2 post-28911 post type-post status-publish format-standard has-post-thumbnail hentry category-strategy-legal-operations category-technology-innovation tag-business-performance tag-digital-transformation tag-embedded-services tag-fintech tag-midsized-business tag-saas tag-workplace-technology business_type-small-business business_type-medium-sized-business industry-saas\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-gb\/blog\/why-embedded-accounting-is-moving-up-the-agenda-for-banks-and-fintechs\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1150431964-1-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1150431964-1-684x384.jpg 684w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1150431964-1-768x432.jpg 768w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1150431964-1-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-03-03T15:03:21+00:00\">3 March, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">7 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tWhy embedded accounting is moving up the agenda for banks and fintechs\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-3 post-28891 post type-post status-publish format-standard has-post-thumbnail hentry category-strategy-legal-operations category-technology-innovation tag-digital-transformation tag-embedded-services tag-fintech tag-mtd-business tag-making-tax-digital-for-income-tax tag-midsized-business tag-saas tag-workplace-technology business_type-small-business business_type-medium-sized-business industry-saas\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-gb\/blog\/why-mtd-is-the-next-big-opportunity-for-uk-banks-fintechs-and-saas\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1282456779-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" 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h5\">\n\t\t\tWhy MTD is the next big opportunity for UK banks, fintechs, and SaaS\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-4 post-26077 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters category-strategy-legal-operations category-trends-insights tag-accountant-tax tag-mtd-business tag-making-tax-digital-for-income-tax business_type-small-business business_type-medium-sized-business business_type-accountants\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-gb\/blog\/budget-2025-what-your-business-needs-to-know-and-do\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2023\/09\/GettyImages-944515884-684x384.jpg\" class=\"card-post__image\" alt=\"Preparing the team for new business requirements\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2023\/09\/GettyImages-944515884-684x384.jpg 684w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2023\/09\/GettyImages-944515884-768x512.jpg 768w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2023\/09\/GettyImages-944515884-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2025-11-28T09:45:13+00:00\">28 November, 2025<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">13 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tBudget 2025: What your business needs to know, and do\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Your SME customers are managing their finances across multiple apps and losing hours every week to admin. Here\u2019s how embedded accounting changes that, and what it means for you.  <\/p>\n","protected":false},"author":1887,"featured_media":11289,"menu_order":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"sage_hide_published_date":false,"sage_hide_read_time":false,"sage_hide_share_buttons":false,"_pwl_sage_podcast_buzzsprout_src":"","footnotes":""},"categories":[11],"tags":[51,766,136,343,125],"business_type":[3],"lilypad":[],"context":[],"industry":[59,65],"persona":[68,70,71],"imagine_tag":[77,767,334,96,335],"coauthors":[677],"class_list":["post-31383","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technology-innovation","tag-cloud","tag-embedded-services","tag-fintech","tag-making-tax-digital-for-income-tax","tag-workplace-technology","business_type-medium-sized-business","industry-financial-services","industry-saas"],"sage_meta":{"region":"en-gb","author_name":"Amelia Dunn","featured_image":"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1327127856.jpg","imagine_tags":{"77":"Accounting software","767":"Embedded services","334":"Making tax digital for income tax","96":"Medium businesses","335":"SaaS &amp; Software"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice UK","distributor_original_site_url":"https:\/\/www.sage.com\/en-gb\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/posts\/31383","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/users\/1887"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/comments?post=31383"}],"version-history":[{"count":2,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/posts\/31383\/revisions"}],"predecessor-version":[{"id":31386,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/posts\/31383\/revisions\/31386"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/media\/11289"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/media?parent=31383"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/categories?post=31383"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/tags?post=31383"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/business_type?post=31383"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/lilypad?post=31383"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/context?post=31383"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/industry?post=31383"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/persona?post=31383"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/imagine_tag?post=31383"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/coauthors?post=31383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}