State Of Uk Sme Software 2026
Whitepaper
The State of UK SME Software 2026
An annual data-led briefing on what UK small and medium businesses actually use to run themselves — accounting, CRM, payments, telephony, AI — and where the gaps and opportunities sit.
The State of UK SME Software 2026
Status: structural placeholder. This whitepaper will be published in Q3 2026 once the underlying survey data is collected and analysed.
What this whitepaper will cover
- What UK SMEs actually use — accounting (Xero / QuickBooks / Sage breakdown), CRM penetration (HubSpot / Salesforce / "nothing"), payment processing (Stripe / GoCardless / card terminals), telephony and meetings.
- What's missing — categories where SMEs are still solving manually (purchase ledger automation, AML compliance, sponsor licence management).
- Where AI has landed — actual adoption versus hype: which categories of work are being automated, which remain stubbornly manual.
- The cost picture — total annual software spend per employee across the survey base, broken down by category.
- Implications for buyers — for SME founders, a buying playbook for the next 12 months.
- Implications for vendors — for B2B SaaS founders building for this market, the white-space opportunities.
Methodology (planned)
Anonymous survey of 200+ UK SMEs across professional services, retail, and construction. Cross-referenced with Companies House data on size, sector, and growth.
Author
Mehmood Rajoka, Founder of Rajoka.
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