Xero Limited is a software as a service (SaaS) company. The Company is engaged in the provision of a platform for online accounting and business services to small businesses and their advisors. The Company operates through two operating segments: Australia and New Zealand (ANZ), and International. The Company's small business cloud accounting software, Xero, is provided in Australia, New Zealand and the United Kingdom. Xero integrates with over 400 add-on applications allowing people to customize Xero to their needs. Xero includes various features, which include cash flow, invoicing, payments, pay runs, reports, contacts, security, support and mobile. Through its various features, Xero offers online accounting, automatic bank reconciliation, quotes and online training for small businesses. Xero allows access to real-time account information and business tools from any device.