We always assume that major, mature markets are not ideal for new entrants, as the incumbents they are up against are huge and invulnerable.

It was fascinating, then, to see a start-up from New Zealand, with its most enthusiastic markets in countries like South Africa, appoint a CEO based in Silicon Valley. Sukhinder Singh Cassidy, a Tanzania-born veteran of companies such as Amazon and Google, took the reins of cloud accounting firm Xero just over a year ago, with her office in Palo Alto, California...

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