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Comment on inDinero (YC S10) peers into your company’s financial future

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inDinero is a cool idea. One thing I've wondered after seeing it - why the focus on projecting future cash flows?

To me the killer app is making financial statements for businesses easy. Simplify the complex process of getting a good income sheet and balance statement each month.

Does anyone else feel like the focus on projecting is a distraction from the real value of the product?

It could just be me as a programmer not trusting the projection, or finding little value in it, because I know it's based on limited information. For example, if I know I'm going to buy $5k worth of ads tomorrow, and I know inDinero has no way of knowing this yet (because it's just an idea in my head), then the projection is wrong. What do you think?

I'd agree with this. I was having problems with Quickbooks last week, so I tried some of the major online accounting services, including Xero, Outright, and Quickbooks Online. Of these, InDinero was my favorite. Though I still think they're going to have a hard time overcoming the chief advantage of Quickbooks - that my accountant knows it.

Usability will effect retention and adoption rates - but overall doing a critical business function better or easier than their competitor - Quickbooks - will be the winning factor here. This means financial statements, tax planning and integration, and proactive alerting and real-time status. Branching out to integration with Freshbooks for invoicing and billing (as I believe they have done) along with multi-user, tiered accounting and HR integration (they do most of the accounting for small businesses), and resource planning.

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