There are many pivotal moments that start-ups face. Perhaps one of the most critical is that growth spurt that changes you from being a one-person operation to becoming a business that employs staff.

Various experts suggested recently that Australia could be cashless within as little as three years, and while The Reserve Bank has responded by saying it is not likely to happen as quickly as that, the question still remains – is your business ready?

Most of us tend to follow the old ‘tradition’ of making personal New Year’s resolutions – maybe to lose a few kilos or exercise more … but what about New Year’s resolutions for your business?