back arrowCloud Accounting Podcast

Are accounting firm partners just franchisees? Also, how Square could make cryptocurrency …

add rating

Episode description

Stories in this episode:Subscribe: Transcript:

Blake Oliver: Welcome to the Cloud Accounting Podcast, a show for accountants and bookkeepers using cloud technology to make their jobs more strategic, and impactful. I'm Blake Oliver- David Leary: And I'm David Leary. Blake Oliver: What is new in the world of cloud-accounting technology? David Leary: One thing's new this week. The CPA Practice Advisor announced their 40 Under 40, for 2018. That just came out on August 26. I know I've been on the list once, when I was like 39. You [00:00:30] were on it a couple times, right? Blake Oliver: You're not old enough to even be on that list, are you? Oh, wait, there's no minimum, just ...  David Leary: I'm itching the 50 under 50, now. That's what I'm reaching for.  Blake Oliver: Yeah, I was a 40 under 40, in 2016, and 2017, and, actually, I'm happy to report that this year, the CEO FloQast, where I work, Mike Whitmire, he is on the 20 Under 40, which is the accompanying list for folks who are not in public accounting, but on the vendor space. We're very happy for [00:01:00] him, and for FloQast, for getting that recognition. David Leary: What I like about this list, always, because it's like almost always half the list are people you either know, or you're friends with. We've had some of these people on the podcast, actually, I think. I don't know if we put the interview out there, yet, but Sean Stein Smith's on the list-. Blake Oliver: Yep, still working on that one.  David Leary: What else?  Blake Oliver: No, wait, did we do that? We did that one, and I think he's the only guy that we've interviewed, but this is great, cuz now we have a list of people to go after. David Leary: Now, they still have to be interviewed ... Yeah, that's true. Blake Oliver: Exactly. David Leary: It's always cool, cuz you see this, and you can ... A [00:01:30] lot of these people as friends, and you're connected to them on social, so it's really ... It's just exciting. It's a good celebration to see this. Blake Oliver: Yeah.  David Leary: I recommend everybody go, and click on the ... We'll give the link, but you can click on each person, and then, each person provides kind of a little bio, which is cool. Then, they talk about what drove them into the profession, who their mentors are. It's a good way to learn about other people in the profession that are really changing it for the next 5 to 10 years. Blake Oliver: Yeah. What I like about it, too, is you go into those bios, those interviews, and so many people are talking about [00:02:00] technology being a driving force of change. David Leary: Do you have any articles this week?  Blake Oliver: Yes, I do. This is by Jason Andrew. He's the co-founder of SmartBooks Online, an Australian firm. He posted this on Medium. It's called Accounting Partners are just Franchisees. You can tell from the title that he's not exactly the biggest fan of accounting partnerships. He basically goes through, and he looks at the attributes of what it's like to work as a partner in [00:02:30] an accounting firm. Then, he talks about what it's like to own a franchise. Honestly, they're kinda similar, right?  Blake Oliver: I'll go through the list, here. He says, for instance, characteristics of a franchisee, characteristics of an accounting-firm partnership. Be your own boss, buy into a system that works. We take care of all the boring business stuff, like marketing, admin, finance, and HR. Be part of a bigger movement. We're different from everyone else. Don't worry about the buy-in. We can vendor-finance [00:03:00] it ... That sorta thing. Of course, the two columns - the franchisee, and the partnership - have exactly the same answers, breaking it down.

His ultimate takeaway is the question: is it good to, as an accountant, want to be in a partnership these days? He says that, if you're a technician, if you love the work that you do, and you just want to do that work, and do it under an established brand, and not have to worry about any of those business-type things, like marketing, and [00:03:30] whatnot, then go be a partner. That's perfect for you. If your desire is to build a business, to build something that's bigger than yourself, then your goal should be not to become a partner in an established accounting firm, but go off, and build your own firm. Do something for yourself, and not subscribe to somebody else's agenda. David Leary: What's interesting about this is he really talks about his own personal experience in this journey. He was all in. He's like, "I'm gonna work my way ... I'm gonna become a partner, and all the glorious benefits that [00:04:00] come with that," but he kinda stepped back, and he's like ... He gets to actually be an accountant and have his own business. He doesn't even ... They don't even refer to each other as partners in his business, cuz they're actually owners of the business, not partners. Blake Oliver: To bring this back to tech, the thing that I experienced, and a lot of what young accountants are experiencing is that it's getting easier, and easier to start your own accounting firm, because, now, all you need is a laptop, and an internet connection. It used to be you had [00:04:30] to rent an office. You had to have a receptionist. You had all this overhead that required buying into a partnership, or, at least, banding together with others to do it. Now, you can be your own guy, and you can be out in the middle of nowhere, and you can be serving clients, pretty much from anywhere, if you know what you're doing.  David Leary: Even reaching those clients, now, which pre-cloud, even marketing to those clients was difficult, but now, you can ... If you just want to only do comic-book stores, [00:05:00] you can only do comic-book stores, and you can survive as an accountant, or bookkeeping. You can have your firm that does that. We talk about this every week, but the technology stack that we're now living in really enables this kind of thought process. People can break free, if they don't want to ... If it's not for them, you can break free, and do something else. Blake Oliver: Actually, I have a great story that illustrates this point, from Ryan Lazanis. He posted a blog post, based on his vacation; he just took a vacation, recently, to Indonesia, [00:05:30] and he was staying on a remote island. He met a CPA there, who ... This is an island that doesn't even have electricity, or internet, and this guy is a CPA. He's out on this island, and he provides accounting services by tethering his laptop to his phone, and getting internet that way, and, he works remotely with people, in Australia, to do their taxes, and he does their accounting online. David Leary: He wins. He's winning ... Blake Oliver: Yeah, there are some great pictures in this article of [00:06:00] this guy, George, the CPA, sitting in his bungalow, with a beautiful view of the beach, and the ocean, in his Hawaiian shirt. David Leary: That's amazing, amazing, amazing. I really wish I was on the beach, right now. I joked to my wife, "I'm semi-retired," after the news last week, and I had this grandiose plan of playing Madden every day this week, hours, and hours. I literally have about eight minutes of Madden game time slotted that I played in six [00:06:30] days of retirement, early retirement, mid-retirement, whatever you wanna call this little break I'm taking. Yeah, hopefully ... We'll see how that goes in the future, a little bit more. Blake Oliver: Yeah. David Leary: I have an article here that's not as exciting. It's actually kind of boring, and highly technical, but I think it really aligns well with our audience. FASB Simplifies the Accounting for Cloud-Computing Service Costs. That sentence is complicated, on its own, but they really get in, and ... I'll read this one paragraph, and, I think it kind of [00:07:00] can paint a picture of how complicated this is, but we should understand that it exists. Here you go, I'll read it, literally, word for word. "The standard aligns the requirements for capitalizing implementation costs incurred in a hosting arrangement that is a service contract, with the requirements for capitalizing implementation costs incurred to develop or obtain internal-use software (and hosting arrangements that include an internal-use-software license). Blake, can you define this? What is this change?  Blake Oliver: What [00:07:30] this signifies to me is that the Journal of Accountancy was not particularly helpful in breaking down this standard for us, and I just don't understand why. It sounds like they copied it from the FASB guidance. I don't understand, why can't the FASB write things in normal human sentences, in speech that- in plain language, in plain English? It doesn't have to be this way. David Leary: Well, the funny part of this- this is the simplified [00:08:00] version. Blake Oliver: What?  David Leary: FASB simplifies the accounting for this. This is the simplified text, apparently-. Blake Oliver: Well, this is the simplified guidance to the standard, but I guess, the way they write it ... Basically, the way that you capitalize implementation costs for internal-use software, now, you're gonna do the exact same thing, when you capitalize implementation costs for something that is being hosted, that you are not developing yourself. [00:08:30David Leary: Got it.  Blake Oliver: I guess that makes more sense. David Leary: What else do you got, this week?  Blake Oliver: All right, in the world of cryptocurrency, and blockchain, and Bitcoin, here's a story about how it actually might start affecting us, in our day-to-day lives, in not too long. Square has won a patent for adding cryptocurrency features to its point-of-sale technology. According to this patent that was filed, the technology will allow merchants to [00:09:00] accept virtual currencies, including cryptocurrencies - Bitcoin, Ether, that sorta thing - using their traditional payment system. 
Square is going to, on the back end, facilitate that exchange. If I wanna pay in Bitcoin, I can go up to that Square terminal, and ... For those who may not be familiar, Square is the dominant small-business-point-of-sale-credit-card-terminal thing going on, right now. They're getting huge. You go into your local coffee shop, small, one-location shop, they're probably [00:09:30] gonna be using Square. Up til now, you could just pay with credit card, using Square. The idea is you could actually pay with your Bitcoin wallet, or your other type cryptocurrency, and Square's technology will take those funds, and will, on the fly, convert that into currency that the merchant can accept. David Leary: [Inaudible] So, me, as the merchant, I now can accept Bitcoin. I don't have any the headaches associated with accepting Bitcoin, because, at the end of the day, when [00:10:00] I do my Z reading out of my point-of-sale system, it's just cash. I just have USD, if that's the case, and it'll be ... I just handle everything the same, even though there was a Bitcoin transaction that occurred. That actually is probably the best way for this to have major adoption. It'll be interesting to see ... Is it an opt? Is that just out of a box, or is that something people'll have to add as a preference, inside of Square? I go to the coffee shop, there'll be a sign, "Now Taking Bitcoin."  Blake Oliver: Probably. [00:10:30] If I were Square, the way I would do this is I would just add it as a new feature, and say, "By default, people are now gonna be able to pay you with cryptocurrency. It's not gonna look any different for you, cuz we're still transferring- we're converting the funds; we're transferring them into U.S. dollars." To you, it's exactly the same. You're getting exactly the same amount of U.S. currency you woulda got, if they paid with a credit card. If Square does it that way, then, yeah ... Immediately, millions, and millions of businesses will now accept cryptocurrency. Now, one of the problems [00:11:00] with cryptocurrency, with Bitcoin, in particular, is the speed of the network. It's actually very, very slow, and expensive to pay somebody with Bitcoin, just because of the way the network was set up. It wasn't designed to handle thousands of transactions per second that you get in a credit-card-processing environment. The reason Square's patent is important is that, now, they're adding a private blockchain in between the public blockchain. My Bitcoins, on a public blockchain, when I pay, it involves, now, [00:11:30] the Square private blockchain. Square, to speed up the transaction, is gonna front the money to the merchant, and, then, will process the transaction later, on the public blockchain. They're gonna take on the risk. David Leary: Yeah, so, Square, in a way, is becoming a Bitcoin exchange of their own. They're gonna be Bitcoin exchange. Now, is it just gonna be Bitcoin, or are they gonna do any type of currencies? Is it ...?  Blake Oliver: Well, [cross talk] the patent is general-use, so they could, theoretically, [00:12:00] accept every type of cryptocurrency. I imagine they'll probably only do the bigger ones, but you know ... The idea being that this could really make the consumer use of cryptocurrency a thing. I would carry around funds in my wallet, if I could pay that way, perhaps; especially if merchants would give me discounts, because, if they're not paying the credit-card-processing fee, maybe I get a small discount for [00:12:30] using cryptocurrency, because it's gonna cost less. Depends whatever Square charges, right? I can see them definitely charging like one percent, instead of the two, or three percent that the credit card companies charge. merchants’ components to charge. You're eliminating one of the middlemen. David Leary: Yeah. I think this'll be interesting to watch. Yes, everybody has Square. People are paying. I still feel like mobile payments ... The people that are winning, right now, are Starbucks. If you sit at Starbucks, amazing how many people pay for their coffee, using their phone. They've completely eliminated the card [00:13:00] swipe, almost, at a very high percentage. It'll be interesting ... I think that's when this really tips. It's nice that Square's out there. Lots of small business use Square, but, when you walk into Starbucks, and Starbucks says, "Hey, you can pay with Bitcoin," or you go to Walmart, "Yeah, you can pay with Bitcoin," I think that's when we know we've tipped; or, even when I finally go to Amazon, and I can pay with Bitcoin. That's when we finally have hit a new ... I's marching that way, it's very obvious. It's coming. Blake Oliver: Hey David, I just realized that we're coming up at the end of our time for this show, and we've got Scott Warren waiting to talk to [00:13:30] us, so we'd better jump off, and get on to that recording session. David Leary: Okay, perfect. Let's wrap it up, then. What's the best way to get a hold of you, if anybody needs to? Blake Oliver: Tweet at me. I'm @BlakeTOliver. David Leary: Got it. You can tweet at me. I'm @DavidLeary. You can track both of us down on LinkedIn, as well. Blake Oliver: All right, thanks. Thanks, David. Talk to you soon. David Leary: All right, later. Bye, Blake. Blake Oliver: David, I have a crazy story. I was [00:14:00] woken up at 5:45 a.m., this morning, to the sound of what sounded to me like explosions in my backyard. David Leary: That seems kinda close. Blake Oliver: It felt like it was in my backyard, and I thought maybe there'd been like a gas explosion in the house near me, or something. It was like ... I've never even heard fireworks that loud. David Leary: A gas explosion could be a viable concern, cuz didn't you guys have an earthquake, yesterday, or the day before? Blake Oliver: Exactly, so it's possible. That's what everyone was thinking. It turned [00:14:30] out ... I went out ... I got up. I looked online to see if anything was going on. I couldn't find anything, so I went outside to walk the dog. Blake Oliver: I get outside, and there are 20 ... Must've been 20 cop cars, and unmarked police cars; several-dozen plain-clothes police officers just hanging around our block. One of them came over, and filled me in. Blake Oliver: They couldn't tell me much, but apparently the FBI raided my neighbor's house this morning; the [00:15:00] guy who lives on the other side of the fence, in my backyard. David Leary: Wow.  Blake Oliver: Yeah. His name's Rob, and he's accused of making threats against the Boston Globe, like death threats. David Leary: Wow. Blake Oliver: Yeah. David Leary: I don't have anything that exciting ... Nothing. Blake Oliver: Yeah, so it's kind of ... If I'm a little amped up this morning, on the podcast, that is why. Not something I would have expected from him, but, yeah, it's all over the national news, [00:15:30] and it's a big deal here. David Leary: I'll have to flip on the mainstream media, here, and try to track that down a little bit, and see. I'll be like, "Look, that's Blake's house!". Blake Oliver: Yeah. There've been reporters all over the place. There were helicopters. If you hear any sounds in the background, like helicopter sounds, that's what that is, probably. It's the-. David Leary: Can you go outside, wearing a shirt that says Cloud Accounting Podcast?  Blake Oliver: Yeah, unfortunately, I didn't. I haven't had those made yet. David Leary: Oh, all right. We've tried, we've tried, we've tried. I don't know, maybe in my [00:16:00] ridiculous downtime, now, I could take time to hand-make some shirts, or something. I don't know.  Blake Oliver: Well, so, I'm a little bit flustered, but let's get down to this. I'm looking forward to getting back to my regular life. 

episodes iconMore Episodes

Going deep on the MyPayrollHR fraud with Wendy Slavkin of Cachet Financial Services

September 19th, 2019

SponsorShow Notes
  • 01:41 – General Counsel Slavkin describes Cachet Financial Services as a sort of …

#AccountingShowLA: The Insanity of Cannabis Accounting & Tax

September 18th, 2019


Accounting & Finance Show LA:

Episode Notes
  •  01:17 – The Cloud Accounting Podcast is …

Do bookkeepers have more to offer?

August 30th, 2019

SponsorsBQE CORE:

Sign up for Inclusion Without Assimilation, an event for for finance, accounting, and fintech, in Boston, on Friday, September 6 from 9 AM to 11:30 AM EDT at the …

Ransomware attacks continue!

August 10th, 2019


Sponsors Show Notes

  • 00:08 – Blake and David talk politics for a brief moment in time ... 

  • 00:47 – …

News Update with Marie Phillips, CPA and Jennie Taber, CPA at the Accounting & Finance Show LA

July 25th, 2019

This episode was recorded live at the Accounting & Finance Show LA at the Los Angeles Convention Center on July 24, 2019.Sponsor
  • Accounting & …

AICPA ENGAGE: Megan Lewczyk, CPA & Ryan Lazanis, CPA, CA

June 14th, 2019


SponsorShow NotesThis episode is sponsored by FloQast. Closing the books is a manual, …

It’s a Bot! Live Interview and Demo of Gappify Alan with Founder & CEO Jotham Ty

June 11th, 2019


SponsorShow Notes

  • 00:16 - Welcome to the Cloud Accounting Podcast!

  • 01:02 - Correction: Gappify is true …

Another AI Startup Aims to Eliminate Accountants

June 11th, 2019


SponsorShow Notes

Accounting Salon Interviews: Amanda Aguillard of Elefant Training

June 5th, 2019


SponsorShow Notes

  • 00:48 - Why start your own accounting conference?

  • 01:47 - What is an "Accounting …

Accounting Salon Interviews: Kenji Kuramoto of Acuity

May 29th, 2019


SponsorShow Notes

  • 00:46 - Why Acuity is starting to offer tax services after being a solely …

Over 6 Million Small Businesses Using Cloud Accounting: QuickBooks and Xero Numbers Compared

May 27th, 2019

Thank you to this week’s sponsor!This episode of the Cloud Accounting Podcast is sponsored by Xero. Did you miss the Xero Roadshow when it came to your city? You can still attend a Xero Roadshow Online! You’ll learn how …

Wolters Kluwer Cloud Tax Products Go Down for Almost a Week After Malware Attack

May 13th, 2019


This episode is sponsored by Xero. Xero Roadshow is coming to a city near you. Expand your knowledge and keep up with all things Xero.

Show Notes

  • 01:41 …

QuickBooks Live, busy season Saturdays, the gender pay gap, bans on cashless stores, upcoming accounting conferences, and more

March 25th, 2019


Show Notes

  • 00:08 -- We got more reviews. Thank you! Give us a review on iTunes and we’ll read it on one of our weekly shows.

  • 01:43 -- A survey revealed …

Interview and demo with Botkeeper CEO Enrico Palmerino on Facebook Live

March 3rd, 2019

Show NotesThis episode is sponsored by Veem, the easiest way to send money internationally. Sign up today and earn 10,000 VeemBack points on your first transaction.*

*Restrictions apply. Visit the
Veem website for …

It’s people! The Botkeeper investigation continues; Avalara buys AI tech; Intuit earnings; new limits in QuickBooks; and more

February 24th, 2019

Show NotesThis episode is sponsored by Veem, the easiest way to send money internationally. Sign up today and earn 10,000 VeemBack points on your first transaction.*

*Restrictions apply. Visit the
Veem website for …

Is Botkeeper singing a different tune? Follow up on QuickBooks Live, IRS internal controls are a joke, a VERY expensive accounting textbook, and JP Morgan is getting into the blockchain game

February 19th, 2019

 Show NotesThis episode is sponsored by Veem, the easiest way to send money internationally. Sign up today and earn 10,000 VeemBack points on your first transaction.*

*Restrictions apply. Visit the
Veem website for …

What we know so far about QuickBooks Live, Intuit’s “test” of assisted bookkeeping services; FreshBooks adds double entry accounting; KPMG UK gives up on SMB accounting; and more

February 13th, 2019

Show NotesThis episode is sponsored by Veem, the easiest way to send money internationally. Sign up today and earn 10,000 VeemBack points on your first* transaction.

*Restrictions apply. Visit the
Veem website for …

Is Intuit launching an Uber for Bookkeeping? Thoughts on "QuickBooks with Live Bookkeeping," and more

February 7th, 2019

Transcript available! Read the transcript while you listen.
Show NotesAccording to a new pricing page on the QuickBooks website, Intuit is now …

Xero wants to change the definition of “accountant,” Expensify drops the first rap video about expense reports, meanwhile EY’s own expense app is “hot garbage,” and more

January 31st, 2019

Show Notes@davidleary @BlakeTOliver another case for unlimited PTO: female retention. I use 1/3 of my PTO on vacation, 1/3 on my sick kids 😷, 1/3 I hoard so I have paid maternity leave. Women have different PTO needs …

2019 Predictions! Also, Isaac Asimov predicted the computer automation revolution, Mindbody to be sold, senators prod regulators on FinTech, and what’s new in QBO

January 8th, 2019

Show Notes

2019 Hiring and Compensation Trends for Accounting FirmsCPA Practice Advisor — Check out these six trends hiring managers in public accounting need to know, as identified by research for the 2019 Robert …

David’s takedown of accounting social media “influencers,” Scaling New Heights adds Xero, Right Networks acquires Propelware, Plaid raises $250M, Expensify gets personal, & more

December 19th, 2018

Show Notes

David Leary on Twitter: "Sometimes I feel like the entire accounting and bookkeeping industry is getting flooded by "social media influencers” that have no real legs to stand on…" 

Joe Woodard on Twitter: "We …

LIVE from QuickBooks Connect! [Day 2] #QBCONNECT

November 7th, 2018


David Leary:
This episode of The Cloud Accounting Podcast is sponsored by Elefant. As a …

LIVE from QuickBooks Connect! [Day 1] #QBCONNECT

November 6th, 2018


David Leary:
This episode of The Cloud Accounting Podcast is sponsored by Elefant. As a listener of this show, I'm pretty sure you've …

Takeaways from Intacct Advantage, David joins AutoEntry, results from Intuit’s annual rate survey, and more

November 4th, 2018

Show Notes

Sage Intacct delivers quadruple win for Finance teamsEnterprise Times — Sage Intacct announced new features at its annual conference, including Sage Intacct Budgeting and Planning, an Interactive Custom …

These two entrepreneurs say "don’t outsource accounting,” RDP risks, and remote accountant policies

October 15th, 2018

Show Notes53% of accountants’ clients ready for Making Tax Digital launch — Accountancy Daily — Significant numbers of accountants’ clients are still struggling to prepare for the advent of Making Tax Digital for VAT, …

How Kruze Consulting is specializing and automating, leading the way in accounting & finance for startups

October 13th, 2018

Scott runs Operations at Kruze Consulting, a fast growing Startup CFO Consulting firm that works with over 160 startup clients. Kruze is based in San …

The beginning of the end for QuickBooks Desktop, NetSuite soars, and Walmart deploys blockchain in the real world

October 6th, 2018

Blake and David reconnect to talk about what's new in the worlds of QuickBooks and NetSuite. Intuit is discontinuing their QuickBooks Desktop …

How blockchain will change accounting with Dr. Sean Stein Smith

September 25th, 2018

Connect with Sean on LinkedIn and Twitter.

Subscribe: Transcript:

Dr. Sean Stein Smith: I was going back and …

Two future career paths for accountants, how billable hours drive away Millennials, and more

September 22nd, 2018

Show Notes

New Bank Feeds using Tokens — Insightful Accountant — This overhaul provides a faster and more reliable method for connecting with your …

Geni Whitehouse on niching for the wine industry & building confidence as a public speaker

August 6th, 2018

Learn more about Geni and what she’s up to at and (an organization that teaches accountants how to be better consultants …

Ed Kless on thriving as a business iconoclast, his Libertarian politics, and the lie of timesheets

July 29th, 2018

Subscribe: Transcript:

Blake Oliver: Welcome to The Cloud Accounting Podcast, a show for accountants using …

Online sales tax SCOTUS ruling ramifications for accountants & business owners

July 1st, 2018


Questions asked in this episode: 

  • Does the decision affect sales of services online across state borders in addition to goods?

  • Are there any strategies …

Cloud accounting survey results, IRS budgets upgrades, & lawyers dropping the billable hour

June 19th, 2018


Stories in this episode:

Cloud M&A, get paid to move to Vermont to work remotely, & app updates galore

June 13th, 2018


Stories in this episode:

  • Aprio to acquire HPCAccounting Today — Aprio LLP, a Top 100 Firm, has signed an agreement to acquire HPC, a cloud-based …

Time bandits, Slack actions, Intuit grows, and more

June 2nd, 2018

Stories in this episode:

The Indicator - Time Bandits [Podcast] - Take a listen to Planet Money’s new daily podcast. This episode features time …

AutoEntry and the importance of document processing granularity

June 1st, 2018

AutoEntry began life as OCREX, a tool for extracting transactions from paper bank statements. Not long after, the company expanded to extracting …

How mAccounting is turning accounting from a necessary evil to a strategic advantage

May 4th, 2018

Tom is a CPA. He is also the founder and managing director of mAccounting, an Indianapolis based CPA firm specializing in outsourced accounting, tax, …

Workaholism, toxic meetings, and remote work

March 7th, 2018


Discussed in this episode:

  1. The four drivers of workaholism, and how it doesn't make for more productive employees

  2. Why meetings are toxic (according to …

5-hour workday for accountants, American views of automation, & Bitcoin taxes

February 17th, 2018


Stories in this episode:

  1. How an accounting firm in Australia successfully moved to a 5-hour workday — Xero Blog

  2. A new survey that shows most Americans …

Loading ...

Download the RadioPublic app for
 FREE and never miss an episode.

Get it on Google PlayDownload on the App Store