Recent fintech research has put a useful number on an old frustration: UK businesses are still losing several days a month to manual finance administration. The headline is easy to interpret as a spreadsheet indictment. In practice, spreadsheets are rarely the root cause. The deeper problem is that finance work is a chain of handoffs, exceptions, approvals, and evidence checks that no single system models well. That distinction matters to engineers building financial products. Replacing a spr...