CBA launches $0 Smart Mini reader

Commonwealth Bank of Australia (CBA) has launched a $0 upfront cost Smart Mini reader offer for small businesses, as part of an introductory promotion coinciding with its sponsorship of CommBank SmallBiz Week.

The bank’s Smart Mini portable payments device provides an industry leading 1.1% flat rate fee on all major cards.1 The $0 Smart Mini reader promotion runs until 29 September and adds to an existing $0 monthly account fee option for CommBank Business Transaction Accounts (BTA). Customers who settle $2,000 worth of transactions with their new Smart Mini reader to their CommBank BTA by 31 July are also eligible for a $100 cash payment.2

Speaking at the CommBank SmallBiz Week event at Marvel Stadium in Melbourne, CBA Executive General Manager Business Lending and Small Business Banking, Grant Cairns, said:

“We’re delighted to launch this $0 Smart Mini reader promotion to coincide with our sponsorship of CommBank Small Biz Week. We know it is a tough environment for many small businesses and that every saving helps with the bottom line.

“Together with our existing $0 monthly account fee option for new CommBank BTAs, we’re pleased to be providing tangible support to the small business sector by removing a number of banking services costs.”

“Our $0 Smart Mini reader promotion gives small businesses the opportunity to trial its many benefits, including a highly competitive flat rate transaction fee, anti-fraud technology, almost real-time transaction insights and same day settlement on all transactions where the device is linked to a CommBank BTA.

“Portable payments is a very competitive space between different providers and we’re pleased with the advantages that Smart Mini delivers to our customers and its traction in the market since launching in March,” Ms Last commented.

Access the $0 Smart Mini reader promotion by visiting commbank.com.au/smart-mini and for more information on the $0 monthly account fee option for new CommBank Business Transaction Accounts, visit commbank.com.au/bta

OLED PC for everyone

ASUS has announced its latest OLED lifestyle line-up is now available in Australia. ASUS first integrated OLED in its lifestyle range in 2021, and this latest launch represents the next step in the brand’s drive to make OLED technology more attainable for Australians and lead the industry in PC OLED technology.

The line-up spans three product ranges: Studiobooks, suitable for professional creators; Zenbooks, for savvy consumers who are focused on performance and aesthetic; and Vivobooks, which are designed for everyday users and creators. The OLED lifestyle line-up encompasses 24 models in 2023 (vs. 3 in 2021) and now includes flagship model, the Zenbook S 13 OLED, the world’s slimmest OLED ultraportable laptop. 

ASUS’ continued integration of OLED technology in its lifestyle line-up has been at the forefront of its business plans given the constant growth and demand for the premium display technology.  

“We first launched the world’s most comprehensive lifestyle line-up with OLED in 2021 and  in 2023, we’re focused on continuing to be the market leader in OLED laptops. Incredible technologies are often aspirational but rarely are they available to the masses. ASUS has committed to updating its three key lifestyle product ranges, ensuring more Australians have an opportunity to access an OLED display at various price points. As the content creator market continues to grow, we recognise all Australians are creators in their own right, so we are proud to be able to provide OLED technology to support this market,” said Bradley Howe, Head of Consumer, ASUS Australia.

ASUS Lumina OLED displays

ASUS has included its Lumina OLED technology across the new lifestyle range, which aims to standardise a quality OLED experience. The name also highlights the unique advantages of ASUS OLED displays, which provide a visual experience that goes beyond the standard of traditional OLED displays. With more accurate, more adaptive, and more reliable features, Zenbook S 13 OLED is an example of the excellence that ASUS Lumina OLED displays have to offer. 

Beyond the traditional OLED display benefits, such as high contrast and wide colour range, ASUS Lumina OLED displays provide a number of unique benefits:

  • Eye Care Support: With people spending hours working, playing and creating in front of laptops, ASUS has ensured its OLED line-up has TÜV Rheinland low blue-light certification, which means the devices can help to reduce strain on eyes caused by prolonged exposure to blue light
  • Colour Accuracy: Due to being Pantone® Validated and factory-calibrated to Delta E < 1, consumers can experience a wider array of more accurate colours, creating an immersive experience
  • Perfect Blacks: With VESA DisplayHDR™ True Black certification, ASUS’ line-up gives creators the ability to see greater contrast when designing, creating websites, films, editing photos and more
  • True To Life: ASUS Tru2Life technology is a video enhancement feature that analyses each pixel of the video being displayed, adjusting brightness, contrast and sharpness to ensure the best, most vibrant viewing experience for consumers
  • Precision: ASUS Splendid colour-gamut management provides consumers with greater precision in their work
  • Reliability: OLED Power Saving and US military-grade durability ensures a trustworthy device that users can rely on

Studiobook: Designed for creatives

The Studiobook range delivers a computing experience that meets the visual and performance needs of the most demanding professions and use cases, including photographers, designers, animators, engineers, architects and more. It does through a number of features across the range: 

  • NVIDIA RTX Graphics: Studiobooks ensure best-in-class graphics capabilities to help users with the most demanding visual needs, including animators and filmmakers
  • ASUS Dial: ASUS Dial is a physical dial at the rear of the display that can control compatible Adobe software or Microsoft functions, which can be customised to meet the user’s needs, helping them to access software and functions with speed and efficiency
  • ProCreator Hub: ASUS’ ProArt Creator Hub software provides control for a range of creator products, allowing the creator to tune the settings of their device, including creating customisable shortcuts to zoom, adjust brush size and brightness and more

A flagship model in the Studiobook range is the ASUS ProArt Studiobook 16 OLED (H7604), a powerful mobile workstation that aims to exceed all performance expectations. Its key features include:

  • A refined Mineral Black finish with a stepwise design that enables slimmer screen bezels and makes room for the rear air vents; this design also allows the laptop screen to lie flat, offering any viewing angle up to 180°
  • The device features a 13th Gen Intel Core i9-13980HX processor, NVIDIA GeForce RTX 40 Series Laptop GPU, up to 64 GB of upgradeable memory and ultrafast storage frees creators to do what they do best: create and design, without boundaries
  • The certified colour-accurate 16-inch 3.2K 120 Hz 3D OLED display does full justice to every creative vision, providing unrivalled visuals and its super bright OLED panel delivers stunning detail and vivid colours, featuring adaptive dimming technology to maximise display life
  • A large, stylus-compatible haptic touchpad and the intuitive ASUS Dial rotary control offer ultimate precision and control in apps. It also enables seamless connectivity to all the latest peripherals via dual Thunderbolt™ 4 ports, with up to 40 Gbps transfer speeds. 
  • ASUS IceCool Pro thermal technology gives the ProArt Studiobook 16 3D OLED the edge when it comes to performance and quietness

In its relentless pursuit for innovation, ASUS has also developed the ASUS ProArt Studiobook 16 3D OLED (H7604), which is the world’s first 3D OLED creator mobile workstation. With its groundbreaking new glasses-free 3.2K 120 Hz 3D OLED display, content creators and gamers can view 3D photos, videos, or even games, without cumbersome glasses or headsets. This is made possible by ASUS Spatial Vision technology, which allows 2D visual content to be seamlessly converted to immersive 3D in real-time with the flick of a switch. 

ZENBOOK: Performance with a compact, thin and light aesthetic

Partnering with Intel, ASUS has redesigned the impressive Zenbook range for the most powerful Zenbook line-up yet. The Zenbook range intends to serve the needs of aesthetic and performance-focused individuals who fall into the ‘prosumer’ and ‘social hobbyist’ audience, typically comprising 25 to 45 year old individuals 

A key feature in the Zenbook range include NanoEdge Displays, which offer ultra slim bezels and an anti glare coating for a visually impressive display with images that ‘pop’.

The local Australian launch includes the flagship Zenbook model, the ASUS Zenbook S 13 OLED, which is the world’s slimmest OLED ultraportable laptop and embodies the ‘Thincredible’ line-up that ASUS announced recently. 

Key features:

  • The Zenbook S 13 OLED (UX5304) is the world’s slimmest 13-inch OLED laptop, and also the most eco-friendly Zenbook ever
  • It’s designed with the environment firmly in mind, using recycled metals and plastics in its construction, and utilising sustainable FSC™-certified packaging.
  • With a super-thin 1cm profile and a super-light 1 kg chassis, this sophisticated Zenbook is the epitome of ultraportable design, finished in brand-new Basalt Gray or classic Ponder Blue
  • The Basalt Gray model features the exclusive and revolutionary ASUS Plasma Ceramic Aluminum material that transforms the aluminum lid using an environmentally low-impact bath-based method, which helps to increase wear resistance, corrosion protection, thermal management, hardness, and lifespan, while also adding a natural look and feel
  • This Evo-certified Zenbook harnesses the power of up to a 13th Gen Intel Core i7 processor with 32 GB of LPDDR5 RAM and a 1 TB PCIe® 4.0 x4 SSD. There is also a full set of I/O ports for on-the-go connections, and a long-lasting 63 Wh battery 
  • For immersive true-to-life visuals, Zenbook S 13 OLED has a 16:10 2.8K (2880 x 1800) ASUS Lumina OLED display that’s Dolby Vision-certified, along with Pantone® Validated colour rendering and VESA DisplayHDR™ True Black 500 certification.

VIVOBOOK: OLED laptops for multi-tasking

This range seeks to meet the needs of everyday users who require a device that can run multiple apps and tasks, from app streaming, to work tasks, content creation and everything in between. The Vivobook acts as a superior entry point to OLED technology, following ASUS’ mission to make the technology more available to Australians with varying budgets.

The ASUS Vivobook 15X OLED (M3504) is an innovative 15-inch laptop that offers a true-to-life 13.3” 2.8K OLED display for a more immersive visual experience. Its key features include:

  • The Vivobook 15X OLED provides a stunning visual experience with incredible detail and professional-grade, ultra vivid colours from its OLED panel, which has a 16:9 aspect ratio to give you more space to work on screen
  • Featuring an AMD Ryzen™ 7 7730U processor for cutting-edge performance, making it ideal for multi tasking 
  • It’s PANTONE® Validated for professional-grade colour fidelity, and the 100% DCI-P3 colour gamut gives you cinema-grade colours
  • TÜV Rheinland certification reduces low blue-light emissions, while flicker-free operation ensures less strain on your eyes during long viewing sessions
  • The device offers optimum 120Hz motion clarity, which means more frames per second so fast moving visuals are smoother and clearer, perfect for movie watching and gaming

AVAILABILITY

Full list of models launching here

Key models launching:

  • ASUS ProArt Studiobook 16 OLED (H7604) |  $4,999-5,499 | Available now and June 
  • ASUS Zenbook S 13 OLED (UX5304) | $2,099 – 2,999 | Available now 
  • ASUS Vivobook 15X OLED (M3504) | $1,399 | Available now 
  • Via leading retailers and ASUS E-Shop

Making Tax Time Less Taxin

Intuit QuickBooks has released new research highlighting the stress and barriers Australians face during tax time. The nationally representative survey of 1,018 Australians found that almost one in three (31%) find the end of the financial year and tax submission time to be stressful, with 19% of Aussies preferring to pick up their pooch’s poop than complete their tax return.

Laughter is a source of relief

The research also revealed that laughter can be the best medicine during stressful times, with nearly 96% agreeing with this sentiment for reasons including it makes them relax (56%), it is effective (48%), and it reminds them that everything “will be okay” (47%).

Moreover, almost all (98%) of Aussies who find completing their tax return difficult agreed that laughter can be the best medicine during stressful times. The main outlets for Aussies stressed out by tax time include relaxing through humour (66%), spending time with family and/or friends (51%), and enjoying a hobby (49%).

Of the Australians who disagreed that laughter was a good form of relief, 42% said they prefer other outlets and 4% would prefer to cry.

Aussies would rather avoid tax time

Only three in 10 (29%) Australians enjoy working on their tax returns. When asked to choose, the majority of the nation would prefer to participate in other activities over completing their tax return, including cleaning up dog poop (19%), making small talk with an unpleasant neighbour (18%), sitting in the middle seat on a long-haul flight (17%), and getting a filling at the dentist (16%). 

One-third (32%) of Australians surveyed find it difficult to complete their tax returns. Men are more likely to struggle completing their tax return (37% compared to 28%) and be more stressed by the end of the financial year and tax submission process (37% compared to 27%).

The biggest barriers for those who find the tax return process challenging are a lack of knowledge and understanding of the correct process (51%), lack of motivation to complete it (39%), and lack of organisation (36%). The research shows a need for more financial literacy amongst women, as they are more likely to have a lack of knowledge and understanding of the correct process (62% vs 43%). They’re also more likely to not know where to start (29%) compared to men (11%).

Of the Australians who don’t find it difficult to complete their tax return, 39% said it is because their accountant or tax consultant does everything for them, 13% said they love tax, and 6% admitted to being in denial.

EOFY impact on Australian small businesses

The majority of Australians (62%) believe small business owners should have more support to help them through the end of financial year stress. These Aussies believe the initiatives that would most benefit small businesses during tax time include free business coaching (61%), free government advice (59%), subsidised access to accountants/bookkeepers (48%), and free access to mental health support (41%).

Making tax time less taxing

Australian consumers and small businesses can make tax time less taxing by working with trusted accountants and bookkeepers, according to Damien Greathead, Accountant & Advisor Lead at Intuit QuickBooks Australia.

“Aussie small businesses have had a tough few years and whether you’re a tradie, hairdresser or fast-paced startup, we know that tax time can add significant stress and mental load. We want to reduce the burden and stress of tax-time.”

“Working with an accountant or bookkeeper who uses tools like Intuit QuickBooks, or even using the tool yourself can help small business owners reduce stress and get time back in their day to focus on unwinding with some comedy, seeing friends and family or pursuing their hobbies,’” Greathead said.

Rachel Clements, Director of Psychological Services, Centre for Corporate Health said tax time can be an incredibly demanding period, often causing a great deal of stress.

“During this time, reaching out to a professional and your loved ones for emotional support is crucial. Sharing your worries with family and friends can provide solace, and discussing your concerns can offer valuable insights and help put things into perspective,” Clements said.

“Taking breaks and time to switch off and recharge is also important to tackle these often stressful times in the right mindset. If you find yourself excessively concerned about your stress levels, it is advisable to seek the guidance of a mental health professional. Consulting with an expert can assist you in navigating any underlying issues before they escalate into more significant problems.”

Galaxy A54 5G smartphone review

Almost 30 years ago, I worked for Optus as the Mobile handset product manager. Digital phones had just replaced analogue mobile phones. Back then, a vendor would have several models with different software features. The more software features, the higher the price. The outsides looked different, but inside, the electronics were almost identical.
Fast forward to today, and the software is all the same, other than Apple vs Google, and the hardware makes the difference. In this review, we look at the Samsung Galaxy A54 5G smartphone and ask whether you really need to buy the most expensive smartphone.

What is a Galaxy A54 5G smartphone?

The Galaxy A54 smartphone is a mid-tier 5G mobile phone from Samsung with a good screen, camera and battery life.

In Australia, Samsung and Apple make up 90% of the market, and depending on how you cut the numbers, each is as popular as the other. The battle comes down to Apple’s IOS versus Samsung using Google’s Android. IOS is a proprietary software with a reputation for simplicity and being cool. Android allows more user flexibility, and vendors such as Samsung can change the user interface to differentiate Samsung from its Android competitors.
In reality, users get used to either IOS or Android and tend to stay with that software. Both software sets do the same thing, and Apple and Google constantly copy each other’s features. After you buy a phone, both Samsung and Apple will provide you free software upgrades for several years.

All this is to explain to you as opposed to 30 years ago, the software is not the difference in today’s phones, but the hardware.

Australians love to buy something because it can do something, not because they actually need it to do that. We might buy a car because it has a V8 engine, sounds great, and can do 250km/hr. If you are stuck in city traffic doing 25km/hr or even on an expressway doing 110km/hr, why do you need a car capable of more?

Thus the Samsung A54 is a mid-tier phone with hardware features that will do everything the average consumer or small business owner would ever need a phone for. The key hardware features users consider are screen, camera, battery life, speed and storage.

WHY should you consider a Samsung A54?

To buy an A54 outright that is not bundled as part of a plan will cost you $699. The top-of-the-line Samsung Galaxy S23 Ultra will cost you $2,649, and a Galaxy A23 5G will cost $399.

To understand and compare all the features, we suggest you read out guide on buying a mobile phone.

Considering the key hardware features we listed above, how does the A54 stack up?

Screen

The S23 has a bigger screen with higher resolution but is harder to fit in your pocket and uses more power. The A23 screen is slightly bigger but with cheaper screen technology. The A54 6.4-inch screen is a full high-definition Super AMOLED screen with 1080×2340 pixels that is easy to read and works well in bright sunlight. When you look at the A23 screen in comparison, you can see the improvement

Camera

A high-quality camera is a double-edged sword. The better the quality, the larger each individual picture file is. A larger file takes up more room, meaning you need more storage on your phone or in the cloud. Consider: Unless you pay extra, Google Photos reduce the resolution of your images when it stores your photos. So, how much storage do you need in your phone? Also, consider that most smartphones have 3 or more cameras. Each of those cameras has a different resolution, and do you consider that when taking a selfie, that camera has lower quality? Thus, do you want to pay more for a camera or a camera that does the job well?

The A54 has a 32MP (Megapixel – number of dots or resolution) front selfie camera. This rear 12MP ultra-wide camera will fit more of what you see into the image. A 50MP main camera which is the best quality, and a 5MP Macro camera for taking photos of things close up.

Battery Life

A bigger battery means a larger phone and more weight. A bigger battery might also mean more time between charges. So many factors affect battery life, including network coverage, usage, demand and processor type, so comparing phones is very hard. The ability to charge fast also means a quick top-up keeps you going longer. I will say the A54 with a 4,905mAh battery is on the large side, and Samsung quotes two days of life with lots of disclaimers.

Speed

Speed relates to the processor inside the smartphone and is the brains behind running all the amazing apps on your phone. The latest top-of-the-line smartphone will have the latest and fastest processor. The A54 has a 2.4GHz Octa Core processor, which is, as you would expect, a mid-tier processor for performance. Back to our V8 analogy, do you need a V8?

Storage

A common complaint is that I cannot load more apps or take more photos as my phone’s storage is full. The S23 Ultra mentioned above supports 1TB of data, or ten times as much as the 101GB on the A54. However, I think you will be fine with the ability to move photos to the cloud and add up to a 1TB MicroSD card to the A54.

What is in the A54 Box?

Not much. A phone, a sim removal tool and a USB charging cable are standard these days. The A54 measures 158x77x8 mm and weighs 202 grams.

Samsung indicates that this phone will receive 4 generations of OS upgrades which means the phone will receive the next 4 yearly versions of Android. They also state 5 years of security patches. Considering that after around 3 years, the battery will have deteriorated, and you will be eyeing new models, the phone’s software features will still be the latest for its life.

Speaking of a tough life, the phone is IP67, meaning it is water- and dust-resistant. Don’t take it for a swim but don’t stress if it splashed in the rain.

The sound playback through the inbuilt speakers is impressive. The phone supports Dolby Atoms, a technology that gives the impression that sound comes from multiple directions, not just left and right. I listened to a Dolby Atmos test track and was impressed by the results. You probably will not use this feature through the inbuilt speakers, though, and it will work through headphones.

Having 5G in its name indicates the phone supports 5G. Most people still do not have the use cases that take advantage of 5G, and 4G is fine for most of us. However, 5G does future-proof the phone.

Using the Galaxy A54 5G

I use an Android phone every day, a high-end phone that is 2 years old. Although a slightly different flavour of Android, I found the A54 pretty much the same as my old phone. The software features and apps are the same, and the hardware performance in the new A54 is about the same as my 2-year-old top-of-the-line phone. Do I want better hardware performance? No, I am happy with this level. My existing phone cost double what the A54 costs.

Our Take Galaxy A54 review

Do I want the latest top-of-the-line Samsung phone? Hell yes! Am I going to buy it? No.!
At $699, the A54 does everything and more I need out of a smartphone. It is durable, has the right features and has the same software as every Android phone.

A small business smartphone is really just a consumer smartphone. I recommend saving money by buying a mid-tier phone like the A54 and updating it every two years to have newer hardware and battery. You will still have money left over for something else.

Logitech Rally Bar Huddle for Small Rooms

Logitech International has announced Rally Bar Huddle, a premium all-in-one appliance-based video bar for small rooms, and the newest addition to Logitech’s family of conference cameras. Designed to deliver equitable video conferencing meetings with ease, Rally Bar Huddle is quick to set up, simple to manage, and easy to integrate with Tap IP through CollabOS.

As companies redesign their office spaces to create more collaboration areas for their hybrid workforce, huddle rooms have become more popular. According to research firm Futuresource, 68%* of companies plan to invest in AV technology for small meeting rooms and huddle spaces.

“Huddle rooms are popping up faster than companies can video-enable them,” said Scott Wharton, general manager of Logitech B2B. “We designed Rally Bar Huddle from the ground up to have the optimal AI functionality for modern equitable meetings while coming in at a price point that is affordable for every single huddle room out there.”

Rally Bar Huddle is designed for rooms up to six people to ensure every participant is seen and heard clearly. Built-in AI video intelligence and 4K image quality welcome remote participants to the conversation. The redesigned ported-audio system makes Rally Bar Huddle two times louder than Logitech MeetUp. Advanced sound pickup via six beamforming mics and AI-based noise suppression creates a natural meeting experience for remote employees.

Ongoing software improvements make it smarter through regular updates that add advanced features like RightSight 2. With RightSight 2, teams get access to AI features such as Speaker View, which detects and shows the active speaker while also showing the entire room, and Grid View, which gives each participant equal representation by detecting faces and zooming in on each person to give them their own frame; plus integrations with Zoom Rooms Smart Gallery, Microsoft IntelliFrame and others.

Rally Bar Huddle can be deployed in three ways. It works with both a dedicated Windows or ChromeOS computer; in BYOD mode; or runs supported video conferencing applications on the device in appliance mode without an external computer. Rally Bar Huddle works with leading video conferencing platforms, including Microsoft Teams, Zoom, and Google Meet.

IT teams can take Rally Bar Huddle out of the box and have the meeting room up and running in minutes. After setup, IT teams can monitor room health, deploy updates, and modify settings through single, cloud-based Logitech Sync. And with Sync Insights, teams can assess how meeting spaces are used over time.

Organisations can customise Rally Bar Huddle for specialty settings or to suit their decor best. An off-white fabric cover provides an alternative to the default graphite, and the easy-clean cover helps keep the video bar clean in healthcare and education environments.

Pricing and Availability Rally Bar Huddle

Rally Bar Huddle will be available to ANZ in July 2023 through authorised sellers and logitech.com/en-au

The Rally Bar Huddle Standalone has a suggested retail price of $3,099 AUD. The Rally Bar Huddle Bundle has a suggested retail price of $4,029.95 AUD. RightSight 2 features will be available in 2023.

Buying a Mobile Phone (Smartphone)

When it comes to a mobile phone, are you an Apple person or an Android person? Believe it or not, the experience is similar, and both camps always copy what the other does. Fanboy tendencies aside, we will consider what you should know and consider when buying or selecting a new mobile phone. We will cover smartphones in this guide, not simple handsets with limited functionality.

A smartphone is a mobile phone that performs many of the functions of a computer, typically having a touchscreen interface, internet access, and an operating system capable of running downloaded apps.

WHY will a new mobile make a difference to my business?

While evaluating a smartphone, you should consider how important this device will be in helping you run your business. For example, beyond making phone calls, you could be using it to take food orders, process an EFTPOS payment, make roster changes to staff shifts, take photos, check your bank balance, pay your staff, enter a receipt or check your current business profit.

WHAT you need to know about Mobile Phone Retailers

You can buy a mobile phone outright or via a phone plan. Buying a phone outright means paying upfront versus via a plan where the payment is spread across several years. Which way is cheaper depends on whether a mobile phone carrier has subsidised the phone via a phone plan to encourage you to join their network. Subsidies normally only exist on popular handsets to encourage customers to join their network.

Be sure to read our essential guide on Mobile Phone Plans. Each phone vendor has lots of information on their websites. By visiting a phone shop or consumer electronics retailer, you can see many models on display, including some powered up for trial. Different retail stores will be aligned closely with one phone carrier, and the range might be limited based on who the carrier is aligned with. Traditional retailers like JB HiFi or Harvey Norman will have a greater capacity to choose from.

HOW to decide on Mobile Phone Features

You should consider which of the following features when deciding which phone will suit your needs:

  • Android vs IOS – or Google vs Apple. Your choice here will limit which phones you consider and possibly the apps available to you. If the app you need to use is only available on one platform, then your decision is made. You might also consider what you are familiar with today.
  • Country of origin – almost all phones are made in Asia and China. They may be designed elsewhere, and the software will come from an American company. Most recently, there have been many security concerns relating to the country of origin, but there is no proof of its validity.
  • Prices – whether buying a phone outright or on a plan, a $3000 phone is still expensive (especially if you lose or break it). You will likely have the phone for 2 to 3 years, so it is worth considering a mid-range phone from about $700 up, and it will do everything you ask of it.
  • Screen size is a diagonal measure of the screen represented in inches. The larger the screen, the easier it is to see content such as text or pictures. The downside is that a larger screen means the phone will be bigger to hold and store and consume more battery life. Some users may prefer a small smartphone.
  • Screen resolution – More expensive phones have a higher resolution so that you will have a crisper image on the screen. Also, consider what the screen is made of, which will determine its likelihood of breaking. Gorilla glass is good. The bigger the number, the better.
  • Processor – Just like a PC, the better the processor, the faster the phone will complete tasks. More expensive phones have faster processors.
  • Battery Life – Some brands don’t even quote battery size, for example, 3000mAh. In reality, battery life depends on how much you use your phone and for what. A phone vendor will normally promote battery life if that is a key feature of their phone. Some phones have user-replaceable batteries. Battery life does deteriorate over time based on the way and number of times you charge your phone.
  • Carrier frequency – A phone bought overseas may not be suitable for Australia. Carriers in Australia use different radio frequencies to make mobile phone networks work which may be different again overseas. Ensure the phone you choose is designed to work with your chosen carrier.
  • 3G, 4G, or 5G – This refers to the technology behind how your calls and data are sent and received. The key benefit is that the bigger the number, the faster the data (and the lower the reaction time latency) will be. Note this is not your allowance but rather how quickly you can download a large file. The phone and the phone network need to be compatible.
  • Camera – The photos you can take on a phone are amazing, but this is also a measure of price. Consider if you want that functionality and how much you are prepared to spend on this feature quality. Camera features include quality represented as megapixels, zoom, wide-angle, telephoto, focus ability, low light, and software manipulation features such as stabilisation.
  • Warranty – For how long and what will they include?
  • Reliability/Service – How easy is it to get phone support or repairs, and where would you have to go to get a repair done?
  • Cost of Repair – If you break a phone screen, what is the cost of getting a new one?
  • Rugged – Some phones are ruggedised, which means they will better survive a drop from a height. Great if you are a tradie.   At the very least, we suggest you consider an optional case to protect your investment.
  • Water-resistant – You should never take your phone swimming, but many phones these days will survive a brief dunk in water without failure. This key feature will likely deteriorate over time with knocks and bumps.
  • Storage – How much memory does the phone have, and or can you add a microSD memory card to expand it? If you are taking lots of photos or storing large files on your phone, you should consider this. Cloud storage is also a feature, and Google or Apple will provide a certain amount free, after which you pay.
  • Other – Other things you may consider are weight, design, colour, bendability, and how you unlock your phone.

HINTS

When getting a new phone consider what optional accessories may make your life easier. These may include a second charger – one for work, one for home, a car charger and holder, a case and/or screen protector to keep it safe, or a power bank to make sure you always have power.

SUMMARY – Which phone to buy?

Unfortunately, even if you buy the best phone available today, a new one will come out before you know it. You might have phone envy but remember this is a key tool so make sure the features make you more efficient in your business.

Be sure to visit our sister publication GadgetGuy for all the latest news and reviews on Mobile Phones.

EXPAND Vision 1M USB meeting room camera review

Face-to-face meetings no longer mean you are in the same location. For small businesses, this is both good and bad. The good is less travelling time, and the bad is the quality of your image and audio at your client’s end.

What is an EXPAND Vision 1M USB meeting room camera?

The EPOS EXPAND Vision 1M USB meeting room camera is a USB camera designed to be used in a room of up to around 10 people. The camera is portable but can also be permanently installed in a meeting room.

WHY should you consider a meeting room camera?

Over the years, video conferencing from a meeting room has been problematic. Primarily driven by using the equipment has been so complicated that no one knows how to use the equipment. Systems have also been so expensive that they have been prohibitive to small businesses. Although not cheap in small business terms, this 4K resolution capable camera automatically adjusts its zoom to ensure members in the room are in frame and thus inclusive to the participants not in the room. The $1,185 recommended retail price provides a simple solution and includes quality features that work.

What is in the Box?

Not much! But that is the point. You get the camera, USB A to USB C cable, bracket, and screws. The instructions are printed on the inside of the box, so there is less to throw out.

The camera has a 2-year warranty, measures 42x194x34 mm and weighs less than 700 grams. We know the camera supports 4K resolution, equal to the best image most consumer TVs can produce today. There are, however, no published specs on the camera. Visually it is much larger than what you would find installed in a laptop or webcam, meaning its image quality will be higher. Bigger lenses let in more light etc.

Physically there is one button on the top, which, once powered then pressed, causes a mechanical eyelid to close over the camera lens for privacy. On either side of the lens are two led strips illuminating when the camera is live, indicating you are being recorded.

On the rear of the camera is a Kensington lock which can be used for security.

Using the EXPAND Vision 1M meeting room camera

The EXPAND Vision 1M Can be placed on a table, mounted on a wall or even mounted on a standard camera tripod. As long as it points at the audience, an intelligent framing mode automatically refocuses the camera on the subjects in the room. I tested this by moving around a room whilst on a call to which the camera would refocus on me and best use the available image space. If I was the only person in the room, the camera would zoom in on me so my head and the top of my torso would be in the frame. If others were in the room, it would zoom out so everyone sitting at the table was in focus. The key benefit here is that no human interaction is required; the camera does this automatically.

Setting up and using the camera is as simple as plugging the camera into your PC’s USB port. The camera is certified and works best with Microsoft Teams and Zoom. Once your video conferencing software is open (e.g., Zoom), go to your settings, and you will find the Vison M1 is available to be selected under the video settings. Please select it, and now your conferencing software is using the M1.

The Vision M1 can be used with a separate room controller, making it independent of an individual’s PC. We see this as an unnecessary expense for small businesses and start to complicate the installation and use.

For audio, you do need a separate speaker and microphone. This can be done with your attached laptop or an independent speaker, speaker and microphone. Please search our site for reviews on speakerphones. EPOS has a solution called an Expand80, but you could use any brand, and a speaker phone will provide a much better result.

Our Take EXPAND Vision 1M meeting room camera review

Having multiple people in a room and doing a conference call has traditionally been problematic. The quality of the image and who is in the frame for the external parties on a conference call is normally not a good experience.

The EXPAND Vision 1M meeting room camera is a plug-and-play 4K high-resolution camera that automatically keeps all participants in focus. Set up is a breeze, and using the camera is as simple as selecting the Vision M1 in Zoom or Teams and getting on with business.

AI as a Creative Co-Pilot in Photoshop

Adobe has unveiled Generative Fill in Photoshop, bringing Adobe Firefly generative AI capabilities directly into design workflows. The new Firefly-powered Generative Fill is the world’s first co-pilot in creative and design workflows, giving users a magical new way to work by easily adding, extending or removing content from images non-destructively in seconds using simple text prompts. This beta release of Photoshop is Adobe’s first Creative Cloud application to deeply integrate Firefly with an exciting roadmap ahead that will transform workflows across Creative Cloud, Document Cloud, Experience Cloud and Adobe Express.

Adobe has over a decade-long history of AI innovation, delivering hundreds of intelligent capabilities through Adobe Sensei into applications that hundreds of millions of people rely upon. Features like Neural Filters in Photoshop, Content Aware Fill in After Effects, Customer AI in Adobe Experience Platform and Liquid Mode in Acrobat empower Adobe customers to create, edit, measure, optimise and review billions of pieces of content. Firefly, Adobe’s family of creative generative AI models, now brings even more precision, power, speed and ease directly into workflows where content is created or modified. 

Firefly, Adobe’s family of creative generative AI models, launched six weeks ago with an initial focus on the generation of images and text effects. It has quickly became one of the most successful beta launches in Adobe’s history, with beta users generating over 100 million assets. Since its launch, Firefly has been expanded to support vector recoloring and generative fill. Firefly is the only AI service that generates commercially viable, professional quality content and is designed to be embedded directly into creators’ workflows. Firefly’s first model is trained on Adobe Stock images, openly licensed content and other public domain content without copyright restrictions. Enterprises will be able to extend Firefly with their own creative collateral in order to generate content that includes the company’s images, vectors and brand language. The integration of Firefly across Adobe Experience Cloud applications will allow marketing organisations to use Firefly to accelerate their content supply chain production.

“By integrating Firefly directly into workflows as a creative co-pilot, Adobe is accelerating ideation, exploration and production for all of our customers,” said Ashley Still, senior vice president, Digital Media at Adobe. “Generative Fill combines the speed and ease of generative AI with the power and precision of Photoshop, empowering customers to bring their visions to life at the speed of their imaginations.”

Supercharging Creativity and Design

The deep integration of next-generation AI across Photoshop’s core tools uniquely enables new creative workflows that supercharge ideation with precise creative control for production quality content creation.

Generative Fill automatically matches perspective, lighting and style of images to enable users achieve astounding results while reducing tedious tasks. Generative Fill expands creative expression and productivity and enhances creative confidence of creators with the use of natural language and concepts to generate digital content in seconds:

  • Powered by Firefly: Firefly is designed to generate images that are safe for commercial use and is trained on Adobe Stock’s hundreds of millions of professional-grade, licensed, high-resolution images, helping ensure Firefly won’t generate content based on other peoples’ or brands’ intellectual property (IP).
  • Magically leap from idea to image, with simple text prompts: Add, extend or remove content from images to achieve astounding results. 
  • Edit non-destructively: Create newly generated content in generative layers, enabling you to rapidly iterate through a myriad of creative possibilities and reverse the effects when you want, without impacting your original image.
  • Create at a transformative rate: Experiment with off-the-wall ideas, ideate different concepts and produce boundless variations of high-quality content as fast as you can type.
  • Available as a web tool: Generative Fill is also available as a new module in the Firefly beta for users interested in testing the new capabilities on the web.

As a trusted partner to individuals and businesses of all sizes, Adobe develops and deploys all AI capabilities with a customer-centric approach and according to its AI Ethics principles to ensure content and data transparency. Generative Fill supports Content Credentials, serving an essential role in ensuring people know whether a piece of content was created by a human, AI-generated or AI-edited. Content Credentials are like “nutrition labels” for digital content and remain associated with content wherever it is used, published or stored, enabling proper attribution and helping consumers make informed decisions about digital content. The technology was developed by the Content Authenticity Initiative, which Adobe founded and recently surpassed 1,000 members.

Additional New Innovations in Photoshop

In addition, Adobe updated Photoshop today with new capabilities that enhance and accelerate creative workflows. New Adjustment Presets, Contextual Task Bar, Remove Tool and Enhanced Gradients empower users to make complex edits and create unique designs while saving time. Read more here

Availability 

Photoshop’s Generative Fill feature is available in the desktop beta app today and will be generally available in the second half of 2023. Generative Fill is also available today as a module within the Firefly beta app.

Short notice deposit account with high interest

Businesses will be able to maximise their cash flow thanks to a new Commonwealth Bank innovative short notice deposit account that allows customers to earn higher interest at the same time as being able to withdraw funds with just 48 hours or seven days’ notice.

The new Capital Growth Account will offer an interest rate of 0.75%/1.5% higher than an equivalent at-call savings account and customers will incur no loss of interest or fees if they withdraw funds from their accounts having given the appropriate notice over their chosen short-term notice periods. Comparable accounts in the market have a notice period of at least 31 days.

Many businesses hold cash for lump sum payments for specific periods of time, especially to cover tax payments at the end of the financial year. CBA data also shows that many small and medium-sized enterprises (SMEs) have largely maintained cash reserves after the Covid-19 pandemic, with customers currently holding 39% more in average deposit balances than in January 2020.

Flexible notice accounts such as the new Capital Growth Account give business owners the ability to earn extra interest like a term deposit account on these funds without the same restrictions on withdrawals.

“We know cash flow is key for our customers, especially in the current economic environment,” said Mike Vacy-Lyle, Group Executive of CBA’s Business Bank.

“This means customers don’t need to trade-off higher interest accounts with the requirement to provide a longer notice period or lock away funds in fixed term and wait for them to mature ahead of accessing them.”

Sustainability action tool

CBA is the first Australian bank to offer a sustainability action tool to help small business customers improve environmental outcomes while enhancing performance and reducing costs.

The Commonwealth Bank of Australia’s (CBA) is launching a new tool to help small and medium sized enterprises (SMEs) to embed sustainability into their operations.

CBA’s new Sustainability Action Tool provides insights into actions businesses can take to reduce their environmental impacts and lower costs.

New CBA research shows that the cost of becoming sustainable (61 per cent), finding sustainable suppliers (30%) and a lack of time and resources (28 per cent) are the top pain points for SMEs seeking to embed sustainability into their business model.

The CBA Sustainability Action Tool is designed to help small business customers identify sustainable choices for their processes and operations and provide them a selection of resources and actions based on their responses to a few simple questions.

The tool will initially focus on energy, transport, and waste management and will be expanded in the coming months to include information on other sustainability topics such as supply chain management, product design and wellbeing.

Kerryn Saward, CBA General Manager Everyday Business Banking said: “It’s clear small business owners have a strong interest in sustainability and are already implementing sustainable practices in their business.