Ideally, online financial software for small businesses should solve a particular problem.
For example, if Jane struggles to keep track of all the items on her to-do list, she should consider investing in project management software to keep track of multiple projects. Similarly, time-tracking software is sometimes useful for billing.
If Jane works with people remotely, she may find software like Slack and Dropbox useful for collaboration.
Similarly, if Jane spends several hours a week examining profit and loss spreadsheets and reconciling bank transactions, she may be spending her time ineffectively.
Although understanding profit and loss is important for business owners, Jane's time is probably better spent growing the business by serving customers or creating better products. In this case, accounting software should free up several hours in Jane's week that she can spend on higher-value activities.