ABF Bulletin 2017 June Issue by Australian Business Forum

VOL. 3 Issue 3

BUSINESSFORUM

Bulletin

Australian Australiaâ&#x20AC;&#x2122;s Jack in the box Overseas opportunities for your small business

5 tips to deliver memorable Online customer experiences on a small budget

Keep the cash flowing: three ways to Reduce the risk of not getting paid

Australia China BusinessWeek 2017 China Digital Conference 2017

AUS SUPER AD

this wed 28th & thurs 29th june - Free entry

The BIGGEST Small Business Expo Wed 28 & Thurs 29 June 2017 ICC Darling Harbour Sydney â&#x20AC;&#x201C; Hall 1 Attend FREE Business Matters Seminar, B2B Pitch Room & Meet-the-Expert Round Table

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Organised By

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Chairman ABF Group Ray Evans

Director China Operations Simon You

Business Affairs Director

CONTENTS

Robert Russi

Director Events & Partnerships

0 Australia China BusinessWeek 2017

Driving innovation through disruption

Tina Le

Australiaâ&#x20AC;&#x2122;s Jack in the box

Business Development Manager Michael Courtenay

B2B the way forward for many small businesses of tomorrow

Digital Creative Manager Rochelle Wang

Web Developer Bao Luong

Understanding the Chinese Consumer

0 5 tips to deliver memorable Online customer experiences on a small budget

Graphic Designer Rotash shrestha

Business Affairs/EA Yumita

4 4 ways to set up an online presence that really delivers

8 Want to GROW your business?

How Cashflow Solutions will transform your Budget!

6 Keep the cash flowing: three ways to Reduce the risk of not getting paid!

0 Why it pays to get employees to check Their super

International Director Annie Zhou

www.ABF.Events + 61 3 8689 9898 info@abf.events

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www.b2bexpo.com.au

ARE YOU LEARNING AS FAST AS THE WORLD IS CHANGING BUSINESS MATTERS SEMINARS SERIES

Sponsored by

The FREE Business Matters Seminars Series at the B2BEXPO are designed to provide practical insights, advice and guidance on how you can compete successfully in a constantly changing global market • • • • • • •

Navigating Digital Disruption Small Business Financial Challenges Growth & Profitability Strategies for SMEs Grants & Government Business Support Planning and Action: Key to Business Success SME Workforce - Trends, Tips and Technology Marketing for growth

meet some of the speakers Experts from MessageMedia Group, Dent Global, Western Union, Moula, AusTrade, GoDaddy, Strike Force Sales and EFIC share their thoughts on trending topics and issues affecting SMEs in Australia 6

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CIARAN MCGUIGAN Founder - Strike Force Sales

ANDREW MUMFORD Chief Sales Officer - MessageMedia Group

GLEN CARLSON Co-founder Dent Global

SIMON BISHOP Director, Corporate Hedging, APAC at Western Union Business Solution

LEELA HANSON Director for SME - Alliances and Advisors - EFIC

TED PRETTY CEO - Covata

ARIS ALLEGOS Co-founder & CEO Moula

BING LIU Senior China Adviser - Australian Trade and Investment Commission

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MEET-THE-EXPERTS ROUNDTABLE 10:00am - 5:00pm, Thursday 29 June - ICC Sydney Meet-the-Experts Roundtable are mini-workshops designed for interactive discussion in a small grup setting focusing on key small business challenges such as cyber security, international trade, tech, innovation, grants, staffing, marketing, business finance and regulations.

STARTUP PITCH ROOM 10:00am - 5:00pm, Thursday 29 June - ICC Sydney Are you a high potential startup? Do you have a demonstrable product? Is your business less than 3 years old? Are you looking to raise interest in your business? B2B Pitch Room is a new platform for Startups looking to raise interest, take your new business to the next stage. Pitchers will have the floor to spruke their innovative business ideas to a panel of experts. How to participate: Email: michael.courtenay@abforum.com.au Presented by

b2b mix at six networking function 5:00PM - 7:00PM - Wed 28th June - ICC Sydney Mix-at-Six Networking Function allows exhibitors & visitors to forge relationships and connect with VIP guests, peer exhibitors and industry leaders. Presented by

FREE REGISTRATION now! visit www.B2Bexpo.com.au WWW.ABF.EVENTS

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WHY INNOVATION MATTERS TO SMALL BUSINESSES 28th June at ICC darling harbour sydney Following the sold out B2B Innovation Luncheon in Melbourne the Luncheon is the feature event of the B2BEXPO 2017 on the 28th June at ICC Sydney. Small businesses are preoccupied with addressing daily challenges, often with their company’s survival on the line. That makes even the thought of innovation a luxury that many believe they can’t afford. And yet, in these times of increased competition and hyper-demanding consumers, what business can afford not to innovate?

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Join our innovation Panel to learn: •

•

Why top tier corporations like Australia Post, GoDaddy, Western Union and Optus believe that there is unprecedented opportunity for innovation within the small medium enterprise sector.

•

Why SMBs are at the heart of innovation and entrepreneur

•

How smaller organisations can change what they do and how they do it to accelerate their opportunities.

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Industry leaders will join moderator Mark Hawthorne Senior Editor THE AGE, with panelist’s including; • • • •

Rebecca Burrows, General Manager Small Business, Australia Post Tara Commerford, Vice President & Managing Director Australia & New Zealand, GoDaddy Kerry Agiasotis, President, Western Union Business Solutions Matthew Ball VP Small & Medium Business OPTUS.

MODERATOR

innovation luncheon PANEL speakers

MARK HAWTHORNE Senior Editor - The Age and Moderator of Innovation Leaders Panel Sydney

REBECCA BURROWS General Manager Small Business Australia Post

TARA COMMERFORD Vice President & Managing Director ANZ - GoDaddy

KERRY AGIASOTIS MATTHEW BALL President - Western VP Small & Medium Union Business Business - Optus Solutions

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AUSTRALIA CHINA BUSINESSWEEK 2017

ustralia China BusinessWeek 2017 (ACBW), will be presented in Australiaâ&#x20AC;&#x2122;s major eastern cities; Melbourne-September, Adelaide,-October and Sydney-November. Now in its tenth year, ACBW is the major annual Sino-Australia business forum series, ACBW brings together heads of industry, business owners, government agencies and thought

ARE YOU READY FOR A CHINESE PARTNER ? ENGAGE WITH CHINESE BUSINESS, DEVELOP YOUR CHINA STRATEGY leaders from across the Australia-China business sector. ACBW provides a forum for businesses that are already engaged, or are looking to commence their journey into the expansive China market.

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Australian businesses now need to consider the paths to successfully connect in China. Previously, the ACBW forums have welcomed high-profile speakers to address the ACBW Keynote Luncheon; the highlight function of each event. ACBW attendees have heard from The Hon. Malcolm Turnbull MP, Prime Minister of Australia, The Hon. Daniel Andrews MP, Premier of Victoria andThe Hon. Philip Dalidakis MP, Minister for Small Business, Innovation and Trade.

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MELBOURNE 8-9 Sept

SYDNEY 18-19 Oct

Expert speakers, entrepreneurs and industry leaders will present at ACBW 2017 across a diverse range of critical topics, including Health, Agribusiness, Tourism, Financial Services, Property and â&#x20AC;&#x153;Are you ready for a Chinese partnerâ&#x20AC;?. ACBW 2017 hosts a number of networking events including the Pathways to China Forum, Chinese Forum (presented in Mandarin), Mix at Six Networking Function, Business Matching Sessions and the ACBW Keynote Luncheon.

This year the China Digital Conference will also be presented as part of the two day forum programme in both Melbourne and Sydney. Moderator Mark Tanner founder of China Skinny Shanghai will again lead over thirty digital experts from Australia, China and Asia. With the many opportunities now available for SMEs to engage with

ADELAIDE 9 Nov

China via cross border e-commerce platforms, China Digital Conference is an excellent platform and starting point. Australia China BusinessWeek 2017 will also travel to China in September for the sixth year, with forums networking and business matching sessions in Fuzhou, Xiamen and Nanking.

ABF invites interested parties who wish to partner with ACBW 2017 to contact Tina Le Director of ABF Events & Partnerships tina.le@abforum.com.au or visit www. ACBWChina.com.au REGISTER NOW AT ABF.EVENTS

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AUSTRALIA’S JACK IN THE BOX

A By Tom Parker MD, Bastion S+GO

centrally planned economy under the control of the Communist Party that allows market forces to exist with Chinese characteristics. The internet without Facebook. Makeshift migrant workers dormitories next to six star hotels. Even Maoism, an ideology that unified China claims that contradiction is present in all things and allows all objects to exist. Alibaba, an e-commerce eco-system was created among these contradictions and its founder Jack Ma has become the face of modern China that celebrates entrepreneurship and encourages consumerism.

“INCREDIBLE TO THINK THAT A FORMER TOUR GUIDE, AND ENGLISH TEACHER, WHO WAS SHOWN THE WORLD THROUGH THE EYES OF AN AUSTRALIAN SOCIALIST NOW RUNS A COMPANY THE SIZE OF A MEMBER COUNTRY OF THE G20” Jack is charismatic demigod, revered by Presidents, CEOs and students, he is comfortable talking with celebrities and business leaders in flawless English interspersed with Yoda like words of wisdom.

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Jack spent Chinese New Year in Australia, holidaying in Tasmania, donating $20million to set up a bursary at Newcastle University and opening Alibaba’s regional office in Melbourne. The link between Australia and Jack Ma is strong, “this is the country I love most outside of China. This is the country that inspired me.” The inspiration came from Ken Morley and his family, who visited Hangzhou in 1980 as part of an Australia China Friendship Society tour of China. Ken was a committed socialist, a son of a miner and seamstress, and member of the Community Party of Australia whose son David connected with a local boy Jack, who was keen to practice his English by the side of West Lake. Upon the families return to Australia, a pen pal relationship was established but it was Ken who helped Jack with his constant pursuit of self-betterment inviting him to stay with the family in Newcastle in 1985. Before arriving in Australia, a 19 year old, university student, Jack had “thought China was the richest, happiest country in the world” but “after this trip” he realised China needed to change and that you needed to use your own mind to judge and to think. The contradiction that an Australian socialist

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helped shape and unlock the potential of China’s greatest capitalists, reflects the need for Australian business to avoid seeking to find comfort in binary opposition and embrace contradictions when engaging with the China market. Jack Ma’s speech to the Melbourne audience was insightful for providing context and direction to President Xi Jinping’s poetic Davos address, where he likened the recent retreat from globalisation to hiding in a cupboard, avoiding the wind and the rain but also missing out on the sunshine. Alibaba has been enjoying the sunshine, and Jack indicated that globalisation, as witnessed by the triumvirate of Trump, Brexit and the rebirth of One Nation is suffering growing pains, suggesting that we need a new model for globalisation 2.0 that is more inclusive – not leaving anyone behind. According to President Trump in his inauguration address, globalisation threw up another contradiction with the wealth of America’s middle class being “ripped from their homes and then redistributed all across the world”. Jack Ma’s solution was to ensure that his concept of globalisation should be more inclusive, a win-win outcome rather than a designated winner and loser. He shared

”

THIS IS THE COUNTRY I LOVE MOST OUTSIDE OF CHINA. THIS IS THE COUNTRY THAT INSPIRED ME.

Alibaba’s approach to management, where he indicated women were the “secret sauce” of his business comprising 48% of all staff including 34% in senior management. Alibaba has a female CEO, COO, and Chief People Officer, and he believes “women make a world of difference” and the “user friendliness is the key to success and women do better at that.” Jack believes women, people under 30 and SME’s are the future of globalisation, and in GDP terms, Alibaba is the 21st largest economy globally. Incredible to think that a former tour guide, and English teacher, who was shown the world through the eyes of an Australian socialist now runs a company the size of a member country of the G20 and is promoting a new form of globalisation – perhaps Mao was foretelling the future when contractions were everywhere and allowed everything to exist – including Jack Ma. Tom Parker attended the opening of the Australia & New Zealand office as a guest of Alibaba. WWW.ABF.EVENTS

CAPTURE THE CHINA OPPORTUNITY • Gain essential insights into recent developments in the China market, and learn where the opportunities lie • Discover how to tell the 450 million digitallysavvy middle-class Chinese that you exist

MELBOURNE 6 - 7 SEPTEMBER 2017 Australia China BusinessWeek China Digital Conference

SYDNEY 17 - 18 OCTOBER 2017 Australia China BusinessWeek China Digital Conference

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Understanding the Chinese Consumer

arketers need to understand that the difference between the China and Australia markets is not only about the “Great Firewall” and language barriers, but more importantly, the consumer motivations and behaviours. In other words, why do they buy? One important fact is the Chinese government’s implementation of the one-child policy in 1979. Demographers estimate that the policy averted at least 200 million births between 1979 and 2009. From an online marketing perspective, it is important to recognize that the majority of China’s online consumers between ages 20 to 40 are from those only-child families. For the parents and grandparents (post-50s) of the ‘one-child’ children, having lived through The Great Leap Forward and Cultural Revolution, they consider it an imperative to improve the conditions and experience for their children. Similar to parents in post-WWII America and Europe who wanted their children to benefit from the rising global economy in the 1950s and 1960s, consumption behaviour of China’s parents reflect their desire to enhance the lives of their children, and subsequently their own lives, by providing products and opportunities that they may, in the past, have been denied.

WHAT DOES THIS MEAN TO MARKETERS? The 20 to 40 age group presents is a huge market and, unlike their elders, they are more willing to try new things, to indulge in luxury goods, are more brand conscious and more receptive to foreign ideas. The older generation are hesitant to spend money on themselves, but are more compelled to buy for the benefit of

their child/grandchild. One way to reach China’s older generation, one could argue, and as many local companies and increasingly more foreign enterprises are beginning to realise, may be by appealing to the Confucian values of respect for family elders; adopting an indirect marketing strategy.

Today, spending within the Chinese family is bottlenecked; ‘Post-50s’ are more financially secure, generating more disposable income, and allocating these funds directly to support their only-child or grandchild. It is important for Australian marketers to understand this social phenomenon in order to create more effective marketing campaigns to target their relevant audience. For more information please visit: www.abf.events

Benjamin Sun Co-Founder & Director Think China

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ASIA2018 Yesterday and Tomorrow P

ublication of our flagship issue ASIA2018 in October will mark an important milestone - the beginning of our 35th year. It’s been a fascinating journey, watching Asia develop,

mature, and, in the process, shift the balance of global economic and political power. In ASIA2018, we’ll present a unique perspective of what we see as the events and policies that have been most telling in the years since 1983 – and assess the business, economic and political trends likely to shape Asia in the years ahead. ASIA2018 offers a very special opportunity for businesses and governments to present their credentials to an audience actively involved in Asia. Call us on (61 2) 8608-5570 or email asiatoday@asiatoday.com.au for further information.

Part of Asia for 35 years

ABF Business

PREMIUM-PROJECTS Connecting Investment, joint-ventures and business for sale across Australia, China & Asia List your business for sale with ABF Business

Featured Investments - qLD Luxury villa complex

- SA OYSTER FARMING

- Tas Tourist hotel

- vic Registered Training organisation

- vic mixed groceries supermarket

ABf Business: +61 3 86899898 | info@abfbusiness.com.au

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MIXED GROCERIES BUSINESS

n investment perfect for migration to Australia, this successful and established business of three years specialises in the retail of fruit, vegetables and mixed groceries. Located in the heartland of Melbourne Outer East, in between Glen Waverley, and Knox City, it has enormous potential to add a complete Asian Groceries business, meeting the demands of it large Asian customer base of 100,000 transactions per annum

â&#x20AC;&#x153;The business turns over approximately $45,000 per week with net margins ranging from 15% to 20%.â&#x20AC;?

The success of the business is due to the 40 years of experience the owners have in agribusiness and food retailing, their quality control systems, marketing and online technology the business has implemented.

Location Features

A unique location of 1,000 square metres under roof, heated, air-conditioned alongside a major arterial road, and freeway access, the site has accommodation for semi-trailer deliveries and over 100 or more parking spaces. Over 8 acres of fruit orchard is available at the rear of the property that can be harvested as a supplementary income. Lease expenses for the entire site is under $100,000 per annum making this considerably under market value. The site comes with a 3 bedroom home, which may be converted to a cafeteria or teahouse, and available land to develop other retail income streams.

PRICE ON APPLICATIONS Business Features The business turns over an average of $45,000 per week and returns net profit after all expenses averaging 20% per annum. Significant capital investment and site improvements have been made that include two new cool-rooms, warehousing, freezers, shop fittings and point of sale computer system, all ready for a new investor to operate the business on a walk in basis. 18

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Contact info@abfbusiness.com.au www.abfbusiness.cm.au 03 8689 9899 | 0412380042

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OYSTER FARMING AND EXPORT

outh Australia’s Eyre Peninsula, “Australian Frontier of Seafood”, is arguably the premier location for oyster farming.

The opportunity to invest with the current owners and develop the farm to its fullest potential, taking it from the current 25 hectares of developed water to 45 hectares of developed water, with potential to triple revenue inside 5 years.

understanding of the complete supply chain from farm gate to retail store, and have the vision and capacity to growing this income stream over the medium term.

“THIS BUSINESS GENERATES CONSISTENT PROFITS AT HIGH MARGIN FROM IT WELL MAINTAINED OPERATION”

The owners wish to retain 25%, and manage the business, in return for the sale of 75% plus receive a commitment to inject new capital for farm infrastructure, with potential to move to an IPO listing, making this one of the larger oyster farming operations in Australia. The ideal investors should have an

The owners have more than 30 years of experience, and wish to remain inside the business to manage the infrastructure build of 20 hectares of water, and continue for at least two years as a minimum.

PRICE ON APPLICATIONS Contact info@abfbusiness.com.au www.abfbusiness.cm.au 03 8689 9899 | 0412380042

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LUXURY VILLA COMPLEX HAMILTON ISLAND - QUEENSLAND Unique Tourism Investment Rare opportunity, four luxury villa complex, in the highly sought after tourism area of Hamilton Island, overlooking the Whitsunday waters, yacht marina, and few minutes walk to central shops.

Rarely does an Investment opportunity come on to the market that provides Excellent occupancy and return, with solid established forward bookings and high demand. Business is able to be operated remotely, Established Over 10 Years owner retiring.

Interested Parties Advised to Act Quickly. This will not Last.

www.ABFBUSINESS.com.au (P) 03 8689 9898 | (M) 0412 380 042 info@abfbusiness.com.au

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LUXURY VILLA COMPLEX – HAMILTON ISLAND

or Sale - 6 Villa with 4 titles Apartment complex- 14 Beds 10 Baths - Parking x4

The versatility of the 6 apartments for holiday letting provides a sound investment, alternatively you could live in one and holiday let the other 5 apartments.

Sometimes a special property is presented for sale that creates a unique opportunity, Villa Complex will not disappoint!

Features

Villa Complex

- Excellent location on hill with 360 sea views. - Property type: Block of Units - Air Conditioning - Built-In Wardrobes - Close to Schools - Close to Shops - Expansive tropical Garden - Formal Lounge - Separate Dining - Pool - Terrace-Balconies Furniture - 4 Buggies.

This unique property allows you to own a “jewel in the crown”, of the Whitsunday Islands. A rare first time sale on Hamilton Island, that offers the astute buyer a luxurious investment accommodation complex. Villa Complex includes 4 Villas, each Villa consists of 3 bedrooms and 2 bathrooms, Villa 1 and 4 have a huge additional adjoining 1 bedroom self contained apartment, complete with bathroom and kitchen.

“A rare first time sale on Hamilton Island, that offers the astute buyer a luxurious investment accommodation complex. ”

Business The perfect established business and property investment with lucrative passive returns. Excellent marketing structure, website and management in place,(ongoing management available) Spectacular 180 degree unimpeded views of the Coral Sea from all bedroom and lounge room balconies are breathtaking.

PRICE ON APPLICATIONS Contact info@abfbusiness.com.au www.abfbusiness.cm.au 03 8689 9899 | 0412380042

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BUSINESS FOR SALE JOINT VENTURE PROJECTS PROJECT SEEKING INVESTORS

WANTED CONTACT

VISIT US AT B2BEXPO SYDNEY

ABF Business (P) +61 3 8698 9898

Wed 28 & Thurs 29 June 2017

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REGISTERED TRAINING ORGANISATION

ducation and Training provides a lifetime of opportunity! Invest in a leading Australian Education Provider that delivers industry specific training to critical areas of employment demand in China, Asia, Australia and the world. Aged Care, Mental Health, Dementia, Early Childhood Development, and Community Care are the biggest consumers of services within the developed world. The supply of an industry skilled workforce barely manages to keep pace with demand. Industry qualified trainers, managers and leaders enable long term sustainable business growth.

BUSINESS FEATURES

The RTO is fully set up to deliver every critical aspect and completion of the value chain in promoting the advancement, training and management skills to meet the

The RTO is in the enviable and unique position of having over 70 Australian Industry Qualification on scope, in conjunction with 32 CRICOS Qualifications, which is the licence to deliver training overseas. The RTO provides English Learning programs that enable students to study abroad and pathways to higher university education in Australia. Compliance and audit standards are the lifeblood of this industry, and with the RTO recently being accredited with a new 7 year licence extension, it guarantees their capacity to operate, and access to various student funding programs and government innovation grants.

PRICE ON APPLICATIONS Contact info@abfbusiness.com.au www.abfbusiness.cm.au 03 8689 9899 | 0412380042

Campuses are geographically placed across 3 sites, all within an ideal location to meet the demographic demand in education, and include the City of Melbourne, and Chinese Community in Outer East. Land and Buildings in the Outer East campus have significant redevelopment potential (STCA), with possibility to be transformed into a new campus facility and 12 to 20 storey accommodation that can house upwards of 500 students.

growth in Chinaâ&#x20AC;&#x2122;s Aged Care, Community and Child Development Qualifications, under the auspices of our Federal Government department AUSTRADE. International students in Melbourne are at their highest, and with the emerging transnational and global student market, opportunities present for unprecedented exponential business growth, for inbound training and outbound academic delivers.

Melbourne Operations are planned to be replicated across each State of Australia to meet the demand in domestic students, international and transnational, with student numbers projected to exceed 10,000 with annual revenue approaching $50,000,000 within the next 5 to 7 years. Senior Management is seeking to work in collaboration with a Chinese counterpart to drive the education growth deep into China.

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PRESENTS

The BIGGEST Small Business Expo Learn, Connect, Grow Are you seeking inspiration, knowledge and connections to help you achieve your business aspirations? Hear from industry leaders and experts.

28-29 June 2017 ICC SYDNEY FREE Visitor Registration www.B2BEXPO.com.au

September | Melbourne & China October | Adelaide

November | Sydney

For Sponsor, Partner & Exhibitor Enquire Contact +61 3 8689 9898

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TOURIST HOTEL – TASMANIA SOUTH TOURIST HOTEL – TASMANIA EAST COAST SOUTH EAST COAST

nvest in Tasmania’s booming tourism economy and secure a rare opportunity to purchase prime real estate land and hotel resort on a main arterial gateway.

Annual Revenue exceeds $2 million per annum, and projected upwards to $3 million with further hotel development and infrastructure in addition to a revised marketing push towards International Tourists. Huge prospects for further development (STCA) including further resort facilities upgrade.

A 40 room hotel and apartment resort located on the magnetic coastline of South East Tasmania Peninsula

Ocean and beach frontage with 270 degrees views, surrounded by wild life parks, outdoor recreation including deep sea tuna fishing, golf courses, forest walking trails, natural sea formations and vessel charter, plus more… A 40 room hotel and apartment resort located on the magnetic coastline of South East Tasmania Peninsula, only 20 minutes from the historic township and tourist centre of Port Arthur, and one hour to Hobart. The resort has undergone extensive renovation, and can accommodate upwards of 130 people, with further redevelopment plans to meet the growth in Tasmanian Tourism.

PRICE ON APPLICATIONS Contact info@abfbusiness.com.au www.abfbusiness.cm.au 03 8689 9899 | 0412380042

The Resort has been in operation for more than 65 years, in varying stages of development, an established name in the marketplace, and in the past three years, reinvested over $800,000 on capital improvements.

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DRIVING INNOVATION THROUGH DISRUPTION

he word ‘disruption’ may originally have some negative connotations, but disruption is a great driver of change that can create exciting new opportunities and promote competition to bring you better customer experiences and offers.

Disruption isTECH not just something techDO; DISRUPTION IS NOT JUST SOMETHING ENTREPRENEURS entrepreneurs do; all businesses, large or small, ALL BUSINESSES, LARGE ORcan SMALL, CAN BE DISRUPTORS, JUST AS can be be disruptors, just as all businesses disrupted. ALL BUSINESSES CAN BE DISRUPTED.

AUSTRALIA POST’S JOURNEY THROUGH DIGITAL DISRUPTION

In addition to the challenge of managing a declining traditional mail market, aggressive competition for the growing parcels market has encouraged Australia Post to evolve, foster partnerships, and develop offerings to capture the boom in online shopping and eCommerce. Today, eCommerce parcel delivery is Australia Post’s core business. Yet, this transformation is certainly not complete because of ongoing disruption and competition from global players, sharing economy startups, and giant retailers.

Australia Post has taken the courageous step to disrupt their business first, evolving the service offers to help customers engage in the way they want, at a pace that matches their speed.

Australia Post will continue to look to the next horizon with a willingness to experiment and change - giving customers the choice to be online or be part of the 126 million in-store Post Office visits we see each year.

History has shown what happens to businesses that don’t respond to disruption – just think Kodak and Borders – which is why Australia Post has been transforming to meet the new and unprecedented rate of change.

Australia Post has been learning a lot from the way great entrepreneurs work to see what approaches can help the organisation be more responsive to customers, and to surprise them with new ideas they may not have expected. Not so long ago the core business at Australia Post was letter delivery – a service offering that has been, and continues to be, significantly disrupted by digital alternatives.

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Welcoming growing innovation in services for small businesses, Australia Post is moving towards a model that promotes experimentation, learning fast, and taking services to market early with the infrastructure to provide ongoing improvements. This new way of working drives a sense of urgency and the spirit of competition, refocusing Australia Post on giving customers the best possible experience.

NAVIGATING YOUR BUSINESS THROUGH DIGITAL DISRUPTION

searching specifically for what you have to offer. •

FIGURE OUT WHAT’S THE NEXT HORIZON FOR YOUR BUSINESS. Think about where your customers are and what they want, then look for opportunities – like partnerships – and how you can make the most of Australia’s thriving eCommerce market.

•

MAKE IT EASY FOR CUSTOMERS TO SEE YOU AND COMMUNICATE WITH YOU. Whether it’s making sure you can be found on social media, getting great customer reviews, or developing a mobile-friendly website, make sure you’re where your customers are because online research is a critical part of today’s buying decisions.

•

DON’T FORGET THERE’S A HUGE OPPORTUNITY TO MARKET YOUR PRODUCTS AND SERVICES INTERNATIONALLY. According to Sensis research, while about 60% of small businesses have a website, currently only 10% of small businesses taking orders online are using the internet to target international customers. In today’s era of borderless eCommerce, any online business is immediately global, so don’t be afraid to try – ANZ’s Opportunity Asia Report found that 38% of small businesses that invested in Asian expansion achieved a return on investment within 12 months.

So as a small business, what does digital disruption mean for how you run your business? First, you need to consider how you will prepare for and adapt to disruption in your industry. Will you be a disruptor yourself or will you use this as an opportunity to find a new set of opportunities? While people most often consider innovation through the lens of new technology, it can also be about how you work, who you work with, and the type of experience you offer your customers. Here are some tips to help you along the way. •

•

CONSIDER HOW BEST YOU CAN SKILL YOUR BUSINESS UP. Think about your customer experience and the processes behind it from an end-toend perspective to identify where you can make efficiencies and where you may need extra help and expertise. KNOW YOUR NICHE AND YOUR MARKET. Make the most of your difference and tell your unique story to capture customers

DISRUPTION HAS THE CAPACITY TO ALLOW SMALL BUSINESSES TO GET SERVICES THAT PROVIDE THE CONVENIENCE, CONTROL AND CHOICE THEY NEED – WHEN, WHERE AND HOW THEY WANT IT. FIND OUT MORE AT AUSPOST.COM.AU/SMALLBUSINESS

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B2B THE WAY FORWARD FOR MANY SMALL BUSINESSES OF TOMORROW

of the Business Bank at Westpac, David Lindberg, told the Businesses of Tomorrow roundtable held in Sydney.

In many cases, this means collaboration with larger organisations that have the advantages of size, scale and customer base.

CHAIN OF INNOVATION

he public perception of the start-up companies beavering away at becoming the businesses of tomorrow is that they are designing and testing and perfecting the better mousetrap that will deliver them a potentially global consumer success – when they are probably more likely to be working on their place in the business ecosystem.

The 2016 Businesses of Tomorrow Report, commissioned by Westpac and conducted by Deloitte Access Economics, found that Australian businesses were realising that

B2C BUSINESSES ARE VERY DIFFICULT. B2B IS PROBABLY EASIER IN SOME RESPECTS BUT YOU NEED TO HAVE A CERTAIN SENSE OF MATURITY IN ORDER TO DO THAT. success was not just about beating other businesses – sometimes, it was about working with other businesses, collaborating and creating shared value. This reflects the fact that in true collaboration some bring the ideas, some bring the experience, some bring the capital and some bring the market reach to provide the test-bed. Where many people might assume the target for start-ups is a business-to-consumer (B2C) thrust, it is more likely to find a business-tobusiness (B2B) fit. When you look at where the real growth is coming from in our economy it is in small business. “Where is it coming in small business? It’s in the B2B space,” chief executive

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“More and more we’re seeing this B2B relationship, where a smaller company comes up with the capability and then partners with a bigger company that introduces that capability to their existing customers,” says Lindberg.

Andrew Purchas, head of innovation and collaboration at Sydney fintech hub Stone & Chalk, sees this shift in thinking. “What we’re seeing is that there’s been a fundamental change probably over the last 12 to 18 months to where it’s now actually less about disruption in the financial services sector and more providing services to the existing financial services players,” he says. “B2C businesses are very difficult. B2B is probably easier in some respects but you need to have a certain sense of maturity in order to do that.” In big companies, says Lindberg, it is “very rare” that the kinds of people who identify the problems are the same people who will then solve the problem. “What we’re finding is there might be someone with a great idea to solve a problem, and almost always what they lack is one ingredient, customers. We’ve got lots of

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If you “follow the chain of innovation”, he says, you see growth in B2B relationships, and growth in SMEs (small-to-medium-sized enterprises). Purchas agrees that this collaboration is the way of the future, but says this does not happen organically – there is still a lot of work to do on “fundamental cultural issues” that crop up between large businesses and smaller ones. “We’re seeing too often that [Stone & Chalk’s corporate partners] are fundamentally ill-equipped to be dealing with our start-up community. They don’t have the ability to be able to make a decision [to engage on a pilot program with a start-up] – the procurement areas, the legal areas, the risk areas are still operating in a mindset which is completely different to what is actually required.

CULTURAL ISSUES “If the corporates think they’re dealing with a Microsoft or a Cisco, and treat the startup partners like that, then they’ll kill them. If they’ve got a 70-page master services agreement even before they do anything it just won’t work. There are fundamental cultural issues in how people are incentivised, what their risk tolerance is, how apt is the business to allow failure, and those things need to be fundamentally addressed if corporates want to take advantage of this externally developed technology [that the start-ups can provide],” he says.

THE MAJORITY OF THE VALUE A SMALL BUSINESS IS GOING TO GET IS THROUGH SOURCING REVENUE FROM BIG BUSINESSES,

Andy Vesey, chief executive officer of AGL, agrees that there is “a lot of work to be done” in mutually training big businesses and little businesses on how to work better with each other. “The majority of the value a small business is going to get is through sourcing revenue from big businesses, so one of the things we have to do to support big businesses and little businesses is teach them about each other,” says Vesey.

“Big businesses have to realise that you can’t send a little business five lawyers, long documents and procurement processes. And small businesses have to realise that bigger businesses have processes, you can’t just say on a handshake with a senior person, ‘let’s go do this.’ “Small businesses have to realise that large businesses have processes: it takes longer, but once a process is in place that’s where the gold comes to a little business. They just need to understand how to interact and do business with big businesses, and we’ve got to teach them that.”

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FIVE TIPS TO DELIVER MEMORABLE ONLINE CUSTOMER EXPERIENCES ON A SMALL BUDGET

mall businesses are moving online with huge expectations, in fact a recent survey by GoDaddy and Redshift Research found that 79% of businesses planning to build a website, project their businesses to grow by 10-50% in the next 3-5 years. But a website alone is not going to deliver this kind of growth, great products and great customer service is crucial to the success of any business, regardless of size. Maintaining a personal touch, exceeding customer expectations, offering expertise and anticipating the needs of your customers are all key to creating a memorable experience. Yet it can be challenging to deliver all this as a small business owner. Here are some tips on how you can create more memorable customer experiences without breaking the bank:

MAKE YOUR WEBSITE USER FRIENDLY

”

TURNING CRITICS INTO FANS AND EXCEEDING CUSTOMER EXPECTATIONS

Make your website easy for customers to navigate and include detailed descriptions of your products and services using tools like GoDaddy’s Website Builder. Your site should also include a thorough frequently asked questions (FAQ) section which should be easy to find. By anticipating the types of questions your customers might have and offering the answers up front, you can help make a positive first impression. Customers should be able to easily find your contact information, including phone number and email address, and your brick and mortar store address on your website.

ENGAGE AND SEEK PROACTIVE FEEDBACK Contact your customers via phone, email, or regular mail to follow up and request feedback. When a customer buys your product, you may want to email them a few weeks later to check how it is – not to ask them to buy more, but to simply see if anything needs improvement. By taking a proactive approach, you can quickly resolve issues, help build long-term customer relationships, and work to improve your customer’s experience overall. 30

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BE SOCIAL

REWARD LOYALTY

Investing in a social media presence should be part of a successful, holistic digital strategy. Choose social media channels you think will be meaningful with your customers. Make sure your social media channels are visible to your customers from your website. This means clear links to your Facebook and Twitter pages on your website (in both Contact Us and sidebars), on your business cards and in your stores.

Happy customers are loyal customers, and a little can go a long way. Designing loyalty schemes and programs that provide incentives, specials and discounts may help solidify your bond with repeat customers, and foster stronger relationships.

LISTEN But it doesn’t stop there – you need to make sure you are active listener and visible across your social media properties! Proactively respond to customer enquiries, feedback and requests on your social media properties. Pay close attention when someone talks about your business in a blog post, online review or on social media. Don’t shy away from addressing negative criticism or complaints – sometimes an important way to build a customer’s trust in your business is by showing publicly how you treat your other customers.

HAPPY CUSTOMERS ARE LOYAL CUSTOMERS, AND A LITTLE CAN GO A LONG WAY.

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A website is more than a good idea. It’s good business. WWW.ABF.EVENTS

Get online. Get more business. Be more productive. Being online is vital to running a business, and with the growing speeds of the Internet, advances in technology, government support & initiatives, and the right team — your business is unstoppable and the power to create epic things is in our hands. Deb Morrison Owner, Pet Cloud

Getting your business online is just the beginning. Domain Names

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4 WAYS TO SET UP AN ONLINE PRESENCE THAT REALLY DELIVERS O

ne of the best investments a small business can make is to build an online presence and every business owner can afford the costs of buying and maintaining their website. This four-step strategy will help you set up your online presence which could transform your business:

1 | CHOOSE A STAND-OUT

DOMAIN NAME.

Choosing the right domain name for your small business is an important long-term decision as you create your digital presence online. An ideal domain name will: • •

Be no more than about 8-10 characters long (excluding the www. and .com.au) Clearly reflect what your business does or is known for

A short, concise, and unique domain name can help make your business more visible in search results and more memorable to people who come across it. Your top priority should be ensuring that your domain name is easily accessible to audiences on their computers and mobile devices. One good way to test your domain name is by typing it into your smartphone – if it feels awkward or tedious to do so, chances are your customers will feel the same.

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2 | USER FRIENDLY SET UP Customers, aren’t going to spend much time in a badly-designed digital property. Build your website so that it’s easy for customers to navigate. Links to important pages (like “About”, “Contact”, and “Buy Now”) should be clearly visible on your homepage. Keep the number of pages to a minimum so that customers aren’t as likely to get lost. And make sure that your website works on mobile devices – there’s nothing more off-putting than pages which don’t scale to viewing on a smartphone screen. You can use the tools offered by your website hosting provider like GoDaddy’s Website Builder to get started even faster.

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3 | ADD COMPELLING CONTENT

4 | GET THE WORD OUT.

A blog or a video-log can act as a platform for you to share your expertise and industry knowledge with current and potential customers. That positions you as an expert who understands what your customers need, which in turn can help to build trust in the quality of your products and services. Your content doesn’t have to be long: frequent articles of 200 words or 60-second videos can be more engaging for quick views to help customers get a feel for your small business.

A website is no good without visitors. Your online communications should include a clear link to your website, from your social media channels.. If you’re regularly doing content marketing, post your articles on social media or consider setting up an email newsletter which people can sign up to on your website. A little further down the track, you might want to consider investing in Search Engine Optimisation (SEO) or a bit of additional promotion to help get your website in front of even greater audiences.

An easy way to blog or share content about your small business is to use a platform like WordPress, which makes it simple to post new articles or videos whenever you feel like it. Also consider what social media platforms your customers use, like Facebook or LinkedIn, and the sorts of content that they find enjoyable, to post up on your social media channels.

All this you can do yourself with a little research time and assistance from your provider’s customer care experts. FOR MORE INFORMATION WWW.GODADDY.COM.AU

Find out your business credit score for FREE! Visit www.ondeck.com.au/knowyourscore for a better understanding of your business’s health.

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Final Desitination for high quality pragmatic education - Melbourne Polytechnic F

ounded in early 1910 as the Collingwood Technical School, the institute responded to the paucity of technical education in Victoria at that time. Since then, we have celebrated a successful history becoming Melbourne Polytechnic in 2014, with CEO Rob Wood recognising the vital role innovation plays within education. Melbourne Polytechnic is one of the largest providers of higher education and vocational training in Victoria today, delivering over 300 nationally recognised qualifications across six vibrant campuses.

We stand passionately at this critical intersection between the knowledge economy and innovation. Our Bachelor of Business is one of our many industry-focussed business

WE STAND PASSIONATELY AT THIS CRITICAL INTERSECTION BETWEEN THE KNOWLEDGE ECONOMY AND INNOVATION.â&#x20AC;?

Melbourne Polytechnic enjoys a reputation for providing high quality pragmatic education within Industry and engagement with the community. Our Centre of Applied Innovation, led by David E. Martin, recognises the nexus between patent technologies and the needs of industry, in order to address the future of education. The aim of the centre is to link the latest advancements in each field to actionable contexts and situations, and represents the future direction of the institute. Our campuses offer a wide range of programs, from certificates to diplomas, right through to Bachelor and Masterâ&#x20AC;&#x2122;s degrees. We also offer articulated pathways into further studies and collaborate with 25 partner institutions throughout Asia to ensure our students gain a global outlook.

courses to equip the next generation of industry leaders. We offer programs in international business with a focus on global trade, enterprise skills and knowledge in core business subjects such as marketing, law, management, accounting, finance, project management, economics and global business environments.

CEO Rob Wood

PROMOTE YOUR BUSINESS WITH ABF MEDIA NEXT ABF BUlletin close on 15 May

contact

info@abf.events dAVID CHRISTIE 03 8698039898 DAVID.C@ABF.Events 8689 9892 WWW.ABF.EVENTS

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all with one app

WELCOME TO

Optus Loop

Make it happen with Optus Loop

optus.com.au/optusloop Fair Go Policy applies. Visit optus.com.au/optusloop for full terms and conditions. Available to business customers with an ABN/ACN. All pricing listed is inclusive of GST. Minimum Total Cost includes monthly $10 site package. Serviceability: Service qualification may be required. Internet usage fees: Customer needs to check with their internet service provider, if they exceed data plan allowance, additional usage fees or capping may apply. All plans have the ability to purchase IP handsets. Some plans allow the ability to finance IP handsets YES04588 (06/17) over contract 38 term. VOL. 3 ISSUE 3

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Know Your Score WHEN?

WHAT?

Business owners are designated a number between 0 and 1,200 that is calculated using the information on their business credit file. A business credit score holds more of the commercial information such as registered defaults, potential loan inquiries or any external administration that may be registered against the business. It is essentially the commercial and business attributes or ‘DNA’, of the business. This is an important metric used by lenders to determine whether or not to provide a business with a loan.

WHY?

Business credit scores will partly determine whether or not a business will qualify for loans and leases, if it will receive favourable terms from suppliers, or if it will successfully bid for government contracts. Research from MYOB and OnDeck found that 93% of businesses have never accessed their credit score. Despite being an important lifeline to access funds, business credit scores are still ignored by Australian small businesses.

As early as possible!

IT’S CRUCIAL TO KNOW YOUR CREDIT’S BASELINE SO THAT YOU CAN WORK ON KEEPING IT HEALTHY OR IMPROVING IT IN FUTURE. Business owners often wait until they apply for loan to check their business credit score. A better strategy would be to plan ahead and check at regular intervals to ensure there is enough time to consider all financing options.

WHO?

Business credit scores are usually obtained from credit reporting bureaus for a cost. OnDeck allows small businesses to receive their credit score for free on the Know Your Score (powered by Equifax) microsite https:// www.ondeck.com.au/knowyourscore/ OnDeck wants Australian small business owners to understand their suitability for a loan as this will give them more options when it comes to funding their business’ growth and operations. OnDeck has already provided over 2,200 businesses with their business credit score to give them a greater understanding of the health of their operation.

Connecting Investors to Projects, Investments, M&A Across WWW.ABFBUSINESS.COM.AU

Australia, China & Asia

+61 3 8689 9898

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UNLEARNING YEARS OF CONVENTIONAL CORPORATE WISDOM COULD UNLOCK AMAZING POTENTIAL IN YOUR TEAM

o be a modern, inspiring leader we passionately believe you need to drop nearly everything you’ve learnt about performance management. The old school command and control management style is mostly dead but we still see conventional wisdom captured in company policies. With an intent to de-risk the business, these policies outline rigid steps for how work should be done. Unfortunately they send an underlying, creativity crushing message that staff are a risk and they need to be controlled. In reality no amount of policy will cover all risks and we’ve seen examples of this with the most regulated, policy driven entities fail disastrously eg. Lehman Brothers bank. We see the solution lays with modern style leaders and how they’re bucking traditional approaches in their teams. They avoid the use

making IT simple

”

IN REALITY NO AMOUNT OF POLICY WILL COVER ALL RISKS AND WE’VE SEEN EXAMPLES OF THIS WITH THE MOST REGULATED, POLICY DRIVEN ENTITIES FAIL DISASTROUSLY

of hierarchical control in favour of enabling and empowering their teams from the ground up. We see them creating a motivating environment of choice where individuals express a preference and willingness to achieve their team’s common purpose. Training based approaches to behavioural change rely on the team executing what’s been learnt. At Crewmojo we’ve built a simple app that helps leaders create a new way of team working - one with ground up commitment and communication without confusion.

1300.553.559 www.lookup.com.au info@lookup.com.au

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ABF Corporate Club

he ABF Corporate Club Membership is ideally suited for companies involved in, and seeking further engagement with, international business and trade between Australia and China/Asia. ABF has, over the last 10 years, positioned itself on the frontier of the Australia-China business space with an extensive information base and network. ABF keeps abreast of the constantly shifting trends of the AustraliaChina relationship with our longstanding involvement and presence across various key industries. It presents premium opportunities for our members to get up to speed with China business activities and digital trends. Through the ABF Corporate Club, members will effectively refine their China marketing strategies, whether at early-entry stage or established in the market. ABF Corporate Club helps members to analyse and make informed public comment on relevant policy matters by providing a platform on which these issues can be discussed, explained and explored. As an ABF Corporate Club Member, members will be entitled to complimentary passes, discounted prices and a variety of other benefits for ABFâ&#x20AC;&#x2122;s full calendar of diverse events including the annual Australia China BusinessWeek Series, China Digital Conference, China Lunch Club and B2B Expo 2017.

ABF Corporate Club members enjoy invitations to participate in a number of exclusive events with inbound delegations of high-net-worth Chinese investors and businesses seeking to invest in Australian business. Additionally, the Australia China BusinessWeek 2017 China Mission to attend the China International Fair for Investment and Trade in Xiamen, China offers a unique opportunity to connect with local Chinese businesses, to which ABF Corporate Club members enjoy favourable discounts. Visit: www.abf.events

CONNECTING INVESTORS TO PROJECTS, INVESTMENTS, M&A ACROSS AUSTRALIAN CHINA & ASIA Robert russi cpa

Business Affairs Director, ABF Business

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03 8689 9896 | robert.russi@abfbusiness.com.au

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KEEP THE CASH FLOWING: THREE WAYS TO REDUCE THE RISK OF NOT GETTING PAID!

ur corporate payment survey revealed an alarming statistic – one in four invoices is not paid within the credit terms! For a small business this could mean the difference between success and failure. Sadly, many small businesses have failed while waiting for a “promised payment” from an outstanding customer. Here are 3 ways a small business can reduce the risk of non-payment:

GETTING ACCESS TO INDUSTRY REPORTS AND COUNTRY ANALYSIS CAN PROVIDE VALUABLE INSIGHT IN IDENTIFYING KEY RISK AREAS.

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”

1 | DO YOUR RESEARCH You can never have enough information and believe it or not it can be done quickly. Getting access to industry reports and country analysis can provide valuable insight in identifying key risk areas. You can find the latest reports for FREE Here: http://www. coface.com.au/Economic-Studies

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2 | KNOW YOUR PROSPECTIVE CUSTOMERS A reputable Mercantile Agency can provide valuable information about a prospective debtor’s profile, such as operational structure, detail on any adverse information, provide trade history data, and with some companies, even financial analysis. Choose a Mercantile Agency that has extensive data in your industry, or in the overseas markets where you trade or are seeking to trade in

3 | SECURE YOUR PAYMENT TERMS In mature markets like Australia, open accounts continue to be the expected payment method which puts increasing pressure (& potential risk) on small businesses. For this reason, small businesses globally are now increasingly adopting Trade Credit Insurance than ever before. It ensures that they can expand and fully maximise their opportunities whilst being fully protected in the event of a customer(s) Adv_ABF Bulletin-AU-030617-OP.pdf 1 6/3/2017 下午3:16 failure. Trade Credit Insurance is also readily acceptable to banks as part of providing

funding (trade finance) to support your business growth. Remember, a sale isn’t a sale until you are paid! Visit us at the B2B expo in Melbourne and find out more! Chris Little - Commercial Director for Coface Australia. Helping businesses increase their sales and expand into new markets with confidence by protecting one of their most valuable assets: their trade receivables.

BECAUSE GROWING A BUSINESS DOESN’T HAPPEN OVER NIGHT...

REDUCE YOUR RISK NOW C

CMY

www.coface.com.au WWW.ABF.EVENTS

Size: 210mm(w)x 137.5mm(h)

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WANT TO GROW YOUR BUSINESS? HOW CASHFLOW SOLUTIONS WILL TRANSFORM YOUR BUDGET!

ver wished you had a magic wand to wave over your accounts and create consistent and steadily growing cashflow? Now there is a non-wizarding way to transform your

budget with cashflow solutions, and itâ&#x20AC;&#x2122;s called Finstro. Finstro seamlessly syncs with your cloud accounting software and is a holistic cashflow management platform with a suite of valuable resources to help you better manage and forecast your cashflow. Think of Finstro as your cashflow insurance policy. Finstroâ&#x20AC;&#x2122;s credit facilities are integrated into your normal business operations. As well as identifying any cashflow issues you may encounter, Finstro then provides easy and simple solutions by providing advanced funding or paying overdue invoices. It also saves you money by providing flexible payment solutions, customisable debtor reminders, credit checks on new customers and real time analysis of your cashflow position at any time. With Finstro installed as your magic wand you can then:

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•

Use more supplier finance to increase your purchasing power for new stock and services and grow your business faster. Don’t let cashflow restrictions reduce your ability to order and purchase inputs, which in turn can restrict outputs - how much you can sell, how much work you can complete. Having secure cashflow also allows you to access volume discounts by purchasing more stock in a single order. Reduce levels of debt owing and remove your dependence on slow paying debtors in order to invest in growth. Accelerating customer payments using Finstro’s customised reminders will allow you to invest in growth and secure your cashflow. Use Finstro’s cashflow insurance to plan your budget and have greater confidence that your budget will be resilient to factors outside of your control such as delayed

payments and unexpected expenses. No matter what your business, or how good your cashflow modelling is, the unexpected can and does happen and you can hit a cash flow crisis. With Finstro’s cashflow solutions backing you up, you can have more confidence that such a crisis can be avoided. Now that’s magic for your business and your stress levels. Simply go to Finstro website to access your free trial so you can start transforming your cashflow right away – just like magic. www.finstro.com.au or Call 1800 My Finstro

NO MATTER WHAT YOUR BUSINESS, OR HOW GOOD YOUR CASHFLOW MODELLING IS, THE UNEXPECTED CAN AND DOES HAPPEN AND YOU CAN HIT A CASH FLOW CRISIS.

”

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The one platform for connecting and transacting globally: WU® EDGE. Visit business.westernunion.com.au/wuedge for more information. © 2017 Western Union Holdings, Inc. All rights reserved. All material presented herein, unless specifically indicated otherwise, is under copyright to Western Union Holdings, Inc. This communication is distributed by Australian Business Forum Limited (“ABF”). ABF has entered into arrangements with Western Union Business Solutions (Australia) Pty Limited (ACN 150 129 749; AFSL 404092) (“WUBS”) to promote certain WUBS products and services. ABF receives commercial benefit from distribution of this advertisement. WUBS is the issuer of financial products (if any) referred to in this communication. A Product Disclosure Statement is available for each of financial products that WUBS issues and can be obtained by visiting http://business.westernunion.com.au/About/Compliance-Legal. Before you decide to acquire a financial product from WUBS you should read and consider the relevant product disclosure statement. * Transaction fee-free Edge Network Payment services are available between fully accredited WUBS customers that have registered to use the WU® EDGE platform and are authorised by a WUBS affiliate to access services in USA, Canada, United Kingdom, France, Italy, Austria, Germany, Poland, Czech Republic, Singapore, Hong Kong, Australia and New Zealand. WUBS does not charge license fees to access or use the WU® EDGE platform. In the event that a transaction that is initiated through the WU® EDGE platform involves a currency conversion a WUBS affiliate will apply a foreign currency exchange rate, which includes a margin set by WUBS. Transaction fees may also apply to transactions other than EDGE Network Payment services that are initiated through the WU EDGE platform.

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WHY IT PAYS TO GET EMPLOYEES TO CHECK THEIR SUPER

ENCOURAGING YOUR EMPLOYEES TO SUPER CHECK CAN PAY DIVIDENDS FOR BUSINESSES LOOKING TO SHOW THEY TAKE THEIR RESPONSIBILITIES SERIOUSLY.

t’s easy for businesses to look at superannuation simply as an admin exercise. But paying attention to super can also increase employee engagement, leading to big benefits for businesses. So how can you help your employees get interested in their super? FIRSTLY, encourage them to take a look at their existing fund, its benefits and disadvantages. “Default investment options and insurance cover meet the needs of many fund members, but they will not be right for everyone,” says Martin Fahy, CEO of the Association of Superannuation Funds of Australia (ASFA).

THIRDLY, make financial literacy the norm in your workplace. Some funds, like AustralianSuper offer free seminars for members. You can also encourage employees to find any lost super by checking their myGov account or requesting a search through their super fund - if they’re an AustralianSuper member, they can complete a simple form online. And FINALLY, ensure that your business default super choice is the right choice. Many new employees will end up in this option, so the fund you pick will have a major impact on their finances. Your default fund should have the size, scale, expertise and services that can benefit your employees, including insurance cover and ways to help your employees take

“Being in the right option is important because superannuation can have a major impact on someone’s lifestyle in retirement.” SECONDLY, make it easy for employees to check their super contributions. Provide payslips with up to date information, consider making contributions more frequently, and provide options for employees to make salary sacrifice contributions.

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control of their finances when they leave the workforce. Of course, as an employer all these initiatives take some effort - but it doesn’t have to be time consuming. AustralianSuper provides a range of tools to help navigate the superannuation system, including a free, ATO-compliant Clearing House, to ensure admin is easy, and regulatory updates are noted. As is often true when running a business, paying attention to these small things can lead to big benefits. When you encourage employees to check their super, you’re showing that you value more than their day-to-day performance - you care about their financial wellbeing. And that won’t go unnoticed. This information may be general financial advice which doesn’t take into account your

BEING IN THE RIGHT OPTION IS IMPORTANT BECAUSE SUPERANNUATION CAN HAVE A MAJOR IMPACT ON SOMEONE’S LIFESTYLE IN RETIREMENT

”

personal objectives, situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement. AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

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AFTER 12 YEARS AWAY IT’S TIME TO GET DOWN TO BUSINESS

att Jasper is hard to miss - a shock of red hair helps him stand out in any crowd. We’re in his kitchen in Camberwell, and Matt, making a latte, explains, “After 12 years on the road, it’s great to have good coffee.” It’s incredible, in some ways, that Matt had time to drink coffee. In early 2003 he went to China to fill in for an ABC cameraman in their China Bureau. He didn’t come home again until the middle of 2014.

”

I LOVE TELLING STORIES WITH PICTURES, AND THE JASPER PICTURE COMPANY IS JUST ONE WAY I CAN DO THAT.

“The cameraman I was filling in for was undergoing cancer treatment”, he explains, “and sadly, he died a few weeks after I arrived.” What followed was an adventure that took him to over 40 countries and into some of the world’s hottest trouble spots and biggest stories: caught in firefights in Iraq, unceremoniously deported from Sri Lanka and mixed up in the aftermath of various storms and tsunamis. Thankfully, Matt is unscathed, home, and ready to make videos in Australia. “Creating videos for television or for online or corporate use, I can be creative again,” he says. “I love telling stories with pictures, and The Jasper Picture Company is just one way I can do that.” The Jasper Picture Company is based in Melbourne but works across the country and the region, with trusted crews in over 40 countries. They tell stories. Maybe it’s time they told yours. www.jasperpictures.com.au

THE JASPER PICTURE COMPANY Moving pictures for Television, Video and Online (03) 9882 5950 - www.jasperpictures.com.au 50

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2014

2012

Top 5 - 2016

2017

Pertaringa 2015 ‘Australian Winemaker of the Year’

2012

Yeoman Shiraz

TROPHY Decanter World Wine Awards 2017

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LET US TAKE THE PRESSURE OFF

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ADVERTISING FEATURE id you know that for an extra $3 – less than the price of a coffee – you buys Are youyou thepaying a $17 booking feeget a fully organised, receipt could free, secure online? business trip that includes air, peacetoofbook mindyour own ﬂights accommodation and car hire?

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Of letting Flight Did youaknow that for an extra $3 you–have thepaying plane, upfee – less than the you to do is board Are you a $17pick booking Centre Businessprice of aAllcoffee your car free, at the airport and check youronline? to book your into own ﬂights could get a fully organised, receipt Travel room, secure business trip that hotel includes air, receipt free knowing everything is booked accommodation Manager take and car hire? and confi rmed for you. theextra plane,$3 buys you the peace of mind of care All ofyou allhave theto do is board Your pick up your car at the airport lettingand a Flight Centre Business Travel finercheck details into your hotel room, receipt take free care of all the finer details for Manager knowing everything is booked you. Things like having your loyalty program For you.” Did you know that for an extra $3 – less than the price of a coffee – you could get a fully organised, receipt free, secure business trip that includes air, accommodation and car hire?

All you have to do is board the plane, pick up your car at the airport and check into your hotel room, receipt free knowing everything is booked and conﬁrmed for you.

and conﬁrmed for you. details in the booking, and your preferred

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receipts, your Travel Manager has done it all

Your extra $3 buys you the peace of mind for you. advising them of the dates you want to You get all of these services of letting a Flight Centre Business Travel of without a second thought. It only takes details you get are going. and more when you use all the finer advisingManager themtake ofcare theofdates you want totravel and where You all Then of these services of letting a Flight Centre Business Travel one email or phone call for toyou. your dedicated, you’ll receive an email confirmation that Flight Centre Business Travel Things like having your loyalty You get all of these services and more when travel and where you are going. Then and more when you use Manager take care of all the fi ner details everything is booked and ready to go. as your business travel partner. program details in the booking, and your professional Travel Manager, advising them preferred seating requirements, are all you use Flight Centre Business Travel as yourTravel you’ll receive an email confi rmation that Flight Centre Business Travel for you. Things like havingof your loyalty And, at the end of the month, So speak to Flight Centre Business the dates you want totaken travel you care ofand withoutwhere a second thought. it is the time travel to reconcile all on 1300 797 826 about how business partner. everything is booked andconfi ready to go. when as your business traveltoday partner. program details in the booking, and your are going. Then you’ll receive an email those travel expenses and receipts, your you can save time and money on It only takes one email or phone call to preferred seating requirements, arethat all everything your Travel Manager has done it all for you. business travel. dedicated, professional Travel Manager, rmation booked andmonth, ready And, atisthe end of the So speak to Flight Centre BusinessTravel Travel So speak to Flight Centre Business taken care of without a second to go.thought. when it is the time to reconcile all today on 1300 797 826 about how today on 1300 797 826 about how you can those travel expenses and receipts, yoursave time you and can save time on andbusiness money ontravel. It only takes one email or phone call to money And, at the end of the month, when it is thesupport you wherever We’re here Travel Manager has doneto it all for you. business travel. your dedicated, professional Travel Manager,

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We’re here to support you wherever your business travel takes you. For more information visit

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Flight Centre Travel Group Limited (ABN 25 003 377 188) trading as Flight Centre. ATAS Accreditation No. A10412.

FCBNM75970

FCBNM75970_FCBT Elysian Advertorial.indd 1

20/2/17 4:22 pm

For more information visit

fcbt.com.au

1300 797 826

Flight Centre Travel Group Limited (ABN 25 003 377 188) trading as Flight Centre. ATAS Accreditation No. A10412.

FCBNM75970

FCBNM75970_FCBT Elysian Advertorial.indd 1

20/2/17 4:22 pm

WWW.ABF.EVENTS

VOL. 3 ISSUE 3

ABF BULLETIN

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VOL. 3 ISSUE 3

ABF BULLETIN ABF BULLETIN FEB/MAR ISSUE

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Recent studies have found that 83% of Recent studies that 83% of ecent studieshave have found found SMEs have experienced cash that flow83% problems SMEs have experienced cash flow Recent studies have found that problems 83% of of SMEs have experienced cash flow in inthe last 12 months, with 23% buckling to theproblems last months, with 23% buckling to SMEs have12experienced cash flow problems in the last 12 months, with 23% their debtors and writing off the outstanding their debtors writingand offwriting the outstanding in the last 12and months, with 23% buckling buckling to their debtors off the to payments. payments. their debtors and writing off the outstanding

outstanding payments. payments. This shortfall inin funds means many This shortfall funds many means many This shortfall in funds means business owners are missing out on growth business owners are missing out on growth This shortfall in funds means many business owners are missing out on growth opportunities and creation, leaving them opportunities andjob jobcreation, creation, leaving them business owners are missing out onthem growth opportunities and job leaving losing out toto their competitors. losing out their competitors. opportunities and job creation, leaving them losing out to their competitors. A MYOB survey found that32% 32%of ofSMEs SMEshave have out to their competitors. A MYOB found that 32% of SMEs have Alosing MYOBsurvey survey found that A MYOB survey found that 32% of and SMEs have dipped into theirpersonal personal accounts 44% dipped into their accounts and 44% dipped into their personal accounts 44% dipped into their personal accounts 44% use credit cards tobridge bridgethe the gapand andand develop use credit cards toto gap and develop use credit cards bridge the gap develop use credit cards to bridge the gap and develop their businesses. However, with credit cards their withcredit credit cards theirbusinesses. businesses. However, However, with cards their businesses. However, with credit cards charging interestrates rates of up to 20%, 20%, it’s no charging interest of upup to 20%, it’s no charging interest of to it’s no charging interest rates of up to 20%, it’s wonder business owners are losing sleep or wonder business owners are losing sleep or wonder business owners are losing sleep no or wonder business owners are losing sleep or paying themselves wage. not paying themselves wage. notnot paying themselves aaawage. not paying themselves a wage. SMEs havea anumber number of weapons in their SMEs have of of weapons in their SMEs have a anumber weapons in SMEs have number of weapons in their their arsenal when it it comes comes tomounting mounting adefence defence arsenal when to a arsenal when it comes to mounting a defence arsenal when it comes to mounting a defence against poor cash flow, but it can be difficult againstpoor poorcash cash flow, flow, but ititcan bebe difficult against but difficult against poor cashisflow, but itcan can be difficult to figure out outwhich which isbest best their business. to figure forfor their business. to Thankfully, figure outout which is best for their business. to figure which is best for their business. there’saanew newkidkid block Thankfully, there’s onon thethe block to to Thankfully, there’s Thankfully, there’sa anew newkid kidon on the the block block to solve solve cash cash flow flow problems. problems. solve cash flow problems. solve cash flow problems. Fintech, the word for “Financial Fintech, the buzzbuzz word for “Financial Fintech, thetheisbuzz buzz word for by “Financial Fintech, word for “Financial Technology”, taking the world storm. Technology”, is taking the world by storm. Technology”, is taking the world world by storm. Technology”, is taking the by storm. Offering better value and service than a Offering better value and service than a Offering better value and service than a Offering better value and service than a

traditional finance provider, Fintech companies

”

traditional finance provider, provider, Fintech companies companies traditional are usingfinance technology toFintech offer an extremely are using technology to offer an extremely traditional finance provider, Fintech companies are usingproduct technology offer an extremely flexible thatistoisadaptive adaptive to their client’s flexible product that to their client’s are using technology to offer to antheir extremely flexible product that is adaptive client’s needs. This This puts putsbusiness businessowners owners back needs. back in in flexible product is adaptive to back their client’s needs. This putsthat business owners in control of their finances and is especially control oftheir their finances is especially needs. This puts business back in control of finances and and isowners especially beneficial for SMEs SMEs who have had fewer CASH FLOW beneficial for who have had control of their finances and is especially beneficial for SMEs who have had fewer fewer finance options available to them over recent finance options available themover over recent beneficial for SMEs who have had fewer finance options available totothem recent IS A MAJOR years. years. finance options available to them over recent years. PROBLEM FOR years. This where where wewe fitfit in.in. AUSTRALIAN This is whereThis we fitisis in. This is where we fit in. SMES. Timelio isisan an online peer-to-peer marketplace Timeliois an online peer-to-peer marketplace Timelio online peer-to-peer marketplace By Timelio By Timelio Timelio is an onlineTimelio peer-to-peer marketplace for finance. Timelio improves cash flow forinvoice invoice finance. Timelio improves cash flow for invoice finance. improves cash flow By Timelio invoice finance. Timelio improves cash flow for businesses by enabling them to get paid forbusinesses businesses enabling get paid for byby enabling themthem to gettopaid for businesses by enabling them paid immediately, without waiting 30,30, 60to orget 90 90 days immediately, without waiting 30, 60 or 90 days immediately, without waiting 60 or days immediately, without waiting 30, 60 or 90 days for customers to pay. for forcustomers customerstotopay. pay. for customers to pay. connects Our online marketplace growing Our marketplace growing Ouronline online marketplaceconnects connects growing Our online marketplace connects growing businesses directly with aa network network of investors investors businesses directly with of businesses directly with a network of investors businesses directly with Investors aInvestors networkgain of investors who fund their their invoices. gain access who access whofund fundtheir theirinvoices. invoices. Investors gain access who fund invoices. Investors gain access to aa new asset class offering diversified returns, to new asset class offering diversified to a new asset class offering diversified returns, to a new assetbusinesses class diversified returns, while businesses getoffering earlyget access to the funds returns, while early access tofunds whilebusinesses businesses get early access to the while get early access to the funds needed to grow. the funds needed to grow. neededtotogrow. grow. needed Sign-up online, quick with no Sign-up isisonline, quick andand easy;easy; with no Sign-up quick easy; withwith no no Sign-up isis online, online, quickand and easy; application fees commitment fees. Once application fees ororcommitment fees. Once application fees orsimply commitment fees. Once application fees or commitment fees. you’re signed up, select the invoices you’re signed up, simply select the invoices Once you’re signed up, simply select thethe invoices you’re signed up, simply select invoices you wish to fund fund and getaccess access your cash you wish to and get totoyour cash you wish to fund and getget access to your cash you wish to fund and access to your cash within 24 hours. Simple. within 24 hours. Simple. within within24 24hours. hours.Simple. Simple.

“Cash flow “Cash flow “Cash aflow major Is aIsmajor Is aproblem major for problem for problem for Australian Australian Australian SMEs.” SMEs.” SMEs.”

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VOL. 3 ISSUE 3

ABF BULLETIN

AUTOMATING DATA INPUT INTO MYOB ACCOUNTRIGHT

o you know how much time is spent just entering data into accounts? Even just a few hours a week adds up to hundreds of hours each year, tedious work that nevertheless must be done accurately. If your sales data is already in another system or in a spreadsheet then wouldn’t it be nice to save all the time and effort involved in laboriously rekeying it by importing it directly to your accounts? Accounting systems such as MYOB AccountRight provide some ability to import data but requires its presentation in a rigid format. If the data you have has different column names or if the columns are in a different order then the data must be rearranged externally before being imported. Errors can arise particularly if this is done manually. Importing externally held data requires establishing an accurate relationship between columns in the external data files and destination fields. Using the MYOB import assistant entails stepping through a complex setup process every single time data is imported. Even if your data is already formatted with the correct column headings or a full set of columns in the correct order the process is not entirely simple and, when issues arise, such logging as is provided is unhelpful. Many defaults that would normally occur as you directly enter data, such as item prices and tax codes, do not get applied during import so your data will need to supply these details. TransPost can take the data as it comes in its original format whether that is determined by

your eCommerce system, as sent in by your sales reps using systems such as HandShake, or the sales department’s spreadsheet and pump it directly into MYOB AccountRight. Not only that, it will use defaults as required from your accounts just like direct data entry does.

IF YOUR SALES DATA IS ALREADY IN ANOTHER SYSTEM OR IN A SPREADSHEET THEN WOULDN’T IT BE NICE TO SAVE ALL THE TIME AND EFFORT INVOLVED IN LABORIOUSLY REKEYING IT BY IMPORTING IT DIRECTLY TO YOUR ACCOUNTS?

”

With TransPost file layout and column matching rules are saved in a named ‘mapping’ for re-use so subsequent use is as simple as selecting the file and the mapping and then clicking the Import to MYOB button. While processing the data TransPost retrieves relevant details from the MYOB file to determine appropriate defaults to use for data not supplied. Further, you can set TransPost to run all the imports you need to do with a single click, or fully automatically as files arrive. TransPost logs all activity to provide a complete audit trail.

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