In this episode John spends some time with Sam O'Connor, GM at Oak North and ex-Co-Founder of Coconut, for a post mortem on the exit of Coconut. As most will recall Coconut exited earlier this year to GoSimpleTax - thanks to a delayed MTD for ITSA. But we hear all about how Oak North, one of the fast growth and profitable Banks in the UK is working with Accountants in the UK.

Followed by a bed, bin and buy session with John and Ryan on payroll bureau softwares. That's right, we tell you who we would get into bed with, buy or bin it.

We return next week with a bumper app news - but if you need your fix sooner - subscribe to app news on the all new Digital Disruptors website.