Does anyone know how a service like Xero or similar services work, any terms/ legislations around accessing users bank balances or account history?

My company does a lot of consulting with offshore firms who are looking for a way to generate new business, so I hear this question a lot. My first reaction is that you need to totally reverse your mindset when you talk about your own company. You mentioned that you have: a great software developers team, proven track record, passion, real value But, everyone says that. There a 10,000 companies that have those things, so a customer isn't going to notice it. You need to figure out what your company is best at (doesn't have to be technical) and present it as a solution to a specific problem that clients have. Maybe a speciality, or really good project management, really good communications, a special expertise or experience, a personality, experience with a certain type of client.. really anything.. But, there must be some thing that makes your company 'special' otherwise you will be lost in the mix. Don't worry about things like rates, or the fact that you have 'great' developers. Those are generic. Think about why a client would really choose you, and try to build on that! After you understand your company identity, it gets much easier to identify and engage marketing channels because you understand your target.

You should try to engage people using social networks, it is easier to spread than email. The conversion rate on emails are low but is still a valid tool for that. Send and email with a simple and objective message that will make people want to try. The best way to have feedback from users is to watch them use the app. You should put them on the hands of everybody that you can and without any instrucions and just watch, don´t even say that the app is yours. Try to do it a lot. If you want feedback from others, you can include the feedback form inside the app and suggest users to answer occasionally. I would also strongly recommend to use a tool as Flurry Analytics. Is the best way to get data from how is the use of the application. Pay attention to those data and be open to change your app a lot, you may need more features or cut some off to make it easier to use. If you need more help please contact me.

I'm not sure if this is how you imagine this world to work, but at least according to the order you wrote it "raising funds" was first. In reality it should actually be one of your final steps of the stage you are at right now. It may even come after a year or two! So you have this great app idea, and you're looking for a place to start... Don't! Don't start yet before you decide whether you have what it takes to get into a roller coaster that can ruin your life and make you miserable! Not trying to scare you but I think most people only hear about these great success stories. They have this dream of maybe, possibly, becoming the next big thing... Because they have the best idea for an app... You don't hear about the failures so often. And even if you do, you don't hear about what the founders of these failing startups had to go through. Truth is you are most likely gonna fail. And I'm saying that without even knowing what your idea is. There are so many barriers on your way that even a great product with a great team is likely to fail. Some people would say "I'm not afraid of failing", "It's good to fail cause you learn", "Failing will make me stronger for the next startup". That's somewhat true but it doesn't mean that failing is easy. As oppose to what people sometimes say - you do not want to fail! It's very painful!!! You have to understand what failing in a startup means. You can work your a$s for 2-3 years, have little to no salary, waste other people's money (most likely your friends and family first), lose friends, fight with your partners, your family, your spouse, devote 20 hours a day for your startup all this time, forget about the little and big things you used to enjoy in life, and only then, after debating 100 times whether you should quit or not, you finally decide that it's not gonna work and you've failed. Disappointing your family, your investors, yourself. Trust me it is painful. Are you sure you wanna do this to yourself? If yes, give me a call. I have the experience you need! From idea stage, to proof of concept, to running beta tests, getting millions of millions of users in ways you can't even imagine, creating features and experience that will make these millions of users completely addicted and viral, raise money in a smart way, hire the right people, find a great co-founder, succeed, fail, be persistent, and enjoy the ride! Good luck, Roy

For software development business LinkedIn ads, content marketing and Google Adwords don't work well. The best and most cost effective method is email outreach. Try to find the contacts of key decision makers in Bay Area from your target companies. You want to present yourselves as custom mobile and web development specialists and highlight your core competencies to get an initial call to discuss their mobile strategy or software development needs. Attaching your case studies how you helped other similar businesses and your portfolio can be extremely helpful as well. Try to always focus on the benefits in you pitch that they can get by working with you and point their missed opportunities of not having certain types of software or apps for their business. Clients love that software development companies have not only strong execution but also ideation skills. Hope this helps. If you have any questions I am also available on call for your convenience.

Here are some options: ___Free Options___ 1) Make apps without needing to spend a lot of time learning to code. Look into "MIT App Inventor" (http://appinventor.mit.edu/explore/). It's a very _easy_ way to make pretty complex apps using drag and drop coding. You can find youtube tutorials that will show you how to make your first app within 5 minutes. I've used MIT App Inventor to make prototype apps for many of my ideas, saving me tens of thousands of dollars if I paid a dev to do it instead. Learn to do "real" coding yourself. The main investment will be your time. There are plenty of free resources for learning coding on the web. I'd suggest learning "React Native", it's a relatively new way to code apps, which allows you to make one app that will run on both Android and iOS. 2) Find a software engineer cofounder. Go to Meetups, conferences, local hackerspaces / makerspaces. Hang out on relevant online forums (e.g. https://www.reddit.com/r/startups/ make sure to read their rules for posting before posting though). It won't be easy to find a tech cofounder, your idea will need to be amazing, and you yourself will need to be very passionate and capable in order to convince someone to partner up with you for sweat equity. ___Paid options___ 1) Use developers with less established reputations / portfolios (lower cost, higher risk) Be very wary of freelancers on sites like Upwork, Fiverr, etc. Here are some basic hiring rules: In your hiring script, make sure to ask for all applicants to give their account name for github/bitbucket and Trello. Don't hire agencies, only hire individuals. To get hired, ask them to do a simple task via Trello and submit the code via github/bitbucket. This task should only take them maybe 1 hour. Check the quality of what the applicants and if they deliver it in a timely manner. Keep the 1 or 2 people that do a good job. If you don't do this vetting these "low cost" developers may end up costing a lot in the longer run. 2) Use developers with more established reputations / portfolios (higher cost, lower risk) With this option your app will probably cost > $20k to develop, but it can be worth it if you have a single idea that you know you want to move forward with. I can introduce you to a very high quality developer in NY if you're at this stage. Let me know if you'd like any additional help more tailored to your specific app ideas, best, Lee