• Case Studies

From Analytics to Apples: Meet the Businessman Bearing Fruit at a Mosman Institution

5 min. read30.11.2023
By Team Zeller

When Som Banerjee first visited the Sydney Produce Market, he was dressed in his regular business attire. At four o’clock in the morning, he was shadowing the buyer of his new venture – Johnnies Fruit Shop. By 9am, he was clocking on for his day job as Head of Operations at a global data, analytics, and technology company. While his profile might not fit the traditional bill of a greengrocer, Som’s strategic approach may be exactly what’s needed to revive this small business to its former glory.

“You’re going to have to change your boots!” exclaimed the flower vendor to Som, at the sight of his dress shoes amongst all the vegetable scraps and market debris. It was September, 2023, and Som Banerjee was learning the ropes from the produce buyer for Johnnie’s Fruit Shop – the business he had just acquired. Located on Avenue Road in Mosman, the shop has been a local institution since 1962, when Cristina (still the current landlady) and her husband laid the foundations for what would become a trusted and dependable place for locals to source fresh fruit and veg.

Johnnies Fruit Shop on Avenue Road, Mosman

Jimmy’s legacy.

When Jimmy and Toula Koustoubardis took over the shop in 1984, they filled it with oregano, olive oil, and a palpable Mediterranean warmth from their native Greece. Johnnie’s quickly became synonymous with Jimmy’s and the shop enjoyed continued success for thirty five years, thanks in equal part to the family’s good nature, the quality of their produce, and the iconic 60s décor for which people would cross the city to visit. However, when Jimmy and Toula finally retired in 2019, the two consecutive owners failed to keep the couple’s spirited legacy alive, removing much of the shop’s historic charm and losing many loyal customers in the process.

Then arrived Som. Having spent twenty two years in the corporate world, working in financial services in California and New York, private equity and hedge funds in the UK and Turkey, and technology and data and analytics since being in Australia, Som’s most recent career move is indeed a surprise. “I had been looking for something that would give me a sense of fulfilment, carrying on a legacy and serving the community, he explains. Even before Som had put pen to paper on the purchase of Johnnies Fruit Shop, he was already in communication with locals. “Everybody talked about how disappointed and how saddened they were when Jimmy left the business,” Som says. With such big boots to fill, it’s lucky he is more of an Oxfords guy.

Johnnies Fruit Shop on Avenue Road, Mosman

A people-first approach.

The first thing Som did when he took over the shop was implement the feedback he’d received from the locals: “The new owners had renovated it so that it now looked more like a supermarket. They said, "If we need to go to a supermarket, why would we come here?” Unable to revert the interior back to its much-loved 60s style, he instead hired a local mural artist to come in and decorate all three walls. He added shelves, and brought back some of the pantry essentials that had been discontinued. Then he printed out business cards asking customers what they would like to see at the shop. “I said please give me your honest feedback, here's my number, send me a text or an e-mail… And quite a few customers got back to me. That was very heartening” he says.

Som’s people-first approach doesn’t stop at his customers. He’s retained all the staff and has even brought back an eighth-grader – whose contract was terminated by the previous owners – as his social media manager. Even though optimising the business’s efficiency is high on his agenda, he wasn’t willing to draw the line at the long-serving staff, Roy and Louie, both in their late 70s, who have been working in the shop for the last 20 and 40 years, respectively. “This industry and this community attracts an older demographic, and getting them to change is quite challenging. So, I just have to adapt to their ways of working.” he explains.

JF-2311-1082619-Johnnies-Fruit-ShopJF-2311-1082662-Johnnies-Fruit-ShopJF-2311-1082764-Johnnies-Fruit-Shop

The freshest tech.

Knowing he needed to cater to an older demographic was one of the reasons he was initially attracted to Zeller. He was looking for a payment terminal that would be easy to use, and where the numbers on-screen were clearly visible. “Also, as the owner, I wanted to be able to access the data and analytics coming out of the terminal,” he adds. Coming from an operations and technology background he was quick to see the advantage of managing all his finances through Zeller: “I was very impressed,” he says of his initial conversations with the team, “Then when I saw the dashboard, and how easy it was to open an account, and the ability to pull reports and see day-on-day transactions, I knew that Zeller was the right fit.”

Zeller EFTPOS Terminal

Service you can bank on.

It wasn’t a snap decision though. Som conducted a comprehensive comparison of financial services providers, boiling it down to three finalists: Westpac, Suncorp and Zeller. What sealed the deal was Zeller’s flexibility and accessibility: “The banks are large, bureaucratic organisations. They’re not catered to serve small businesses. I tried to open an account with one of them, but it meant going into a branch. I'm working 9-5, they're open from 9-5. When do I go?” he explains. Now, Som manages all his finances through Zeller: money that comes through the EFTPOS Terminal is settled into his Zeller Transaction Account each night, ready to be spent on his Zeller Debit Card the next day. “The funds are always there. There's never been a delay and it is so easy to transfer. I don't really see a need for settling into a different bank account when everything can be consolidated in one piece and that helps with my reporting as well” he says.

Apples and oranges.

Som logs into Zeller two to three times a day to see how the sales are going and to analyse any trends. “When I go onto the dashboard I can see how sales are tracking compared to the same day of the previous week, if it’s different, I can question why… Already I’ve noticed that weather is a big factor. This demographic is a bit older, and if it’s raining outside they don’t step out. So I'm trying to counterbalance that by seeing if I can deliver.”

It’s clear that what Som and his predecessor, Jimmy, don’t share in history, they make up for in their desire to serve a community. “I really do want to serve the needs of the customers who have been coming to this shop for such a long time,” says Som. He doesn’t have 35 years of local knowledge, but he does have an eye for technology that can help him quickly understand the likes and dislikes of this tight-knit community. You can’t compare apples with oranges, but you can be sure you’ll still find the best at Johnnies Fruit Shop.


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Dialling In on Authentic Hospitality With Radio Mexico

Hailing from Brisbane, via Barcelona, Adele Arkell burst onto the café scene in 2001 and has been shaping our tastes ever since. The founder and owner of St Kilda’s popular Radio Mexico was a trailblazer in Melbourne’s burgeoning breakfast circuit before turning her hand to chilaquiles and tacos. We sat down with the hospitality veteran to talk about BLATs, barbacoas, and the secret sauce to a successful restaurant. When Adele Arkell started running cafés, the menus were big and English. “Everything was all about big breakfasts and eggs Benedict.” she explains. “As a self-taught chef, I had my own ideas about what I liked to eat, so I didn't really follow the convention of what was already available.” Armed with a fierce conviction, she and a group of friends from her home city of Brisbane made the bold move to open a coffee shop directly next to a well-established competitor “It was massive, it was a really big deal. It’d been there for about 5 years and was killing it. And we opened up right next to them because we wanted to do something different.” At the time, Melbourne’s coffee culture was still burgeoning; lattes were served with skim milk and you’d be hard-pressed to find one topped with ‘art’. So when Adele’s team started pouring full-cream and soy milk coffees adorned with hearts and rosettas, it didn’t take long for the word to get out. Champions of breakfast. It was in these early years that Adele’s signature style for ‘everyday eating’ began to take form. “We wanted to make food that you could eat every day… Something simple, something that was easy to eat, really yummy, but something you wouldn't really make at home.” Perhaps the archetype of Adele’s everyday cuisine came in the form of the beloved BLT remixed with avocado. “It's really ubiquitous now, but we actually introduced the expression BLAT”, a dish that now graces café menus all over the world. This fact of making an otherwise simple breakfast a little bit fancy was what Adele and her team became known for, setting a tone for the way that café culture would develop over the next few years, and inadvertently joining the founding members of Melbourne’s world-renowned breakfast scene. Off the back of their success on Acland Street, the group went on to open more than a dozen cafés over the next fifteen years, breathing new life into old, dilapidated spaces before moving onto something else. “We'd do the café, we'd build the clientele, then we'd renovate it and then we’d sell,” explains Adele, “we worked very hard. It was very bootstrap.” Through this process, however, there came a point when she realised she was ready to focus her attention on something else. By accident or by design, while on a trip to New York, she discovered Mexican cuisine. “I wanted to keep doing casual dining, with high quality, accessible, healthy food that you could eat every day… and Mexican fit that to a tee.” The birth of ‘Mel-Mex’. Adele spent three years researching Mexican food. A fluent Spanish speaker, – having spent several years living and working in Barcelona – Adele was able to delve deep into the cuisine, rather than relying on the Tex Mex influences that dominated the English-speaking search results. “I’m not Mexican, I don’t have a Mexican grandmother who can tell me all the secrets, I had to work it out on my own. I had to meet people and search YouTube videos. I had to read cookbooks in Spanish, because I wanted to get to this thing that was really unique and different.” She opened the doors to Radio Mexico in St Kilda in 2012 with a menu that boasted myriad flavours from all over the country: barbacoa tacos from Guadalajara, classic Yucatan cochinita pibil pulled pork, and tacos al pastor, a popular dish from the capital. While Adele has always strived to do justice to the original dishes, she understands her market, and has always kept her customers front of mind. “We try to hit authenticity from a different angle. Our food is not ‘authentic’ per se, you'd never find this in Mexico, but there are so many influences that only come from there.” What she wound up with, is what she deems today as “Mel-Mex”, a distinct hybrid that takes Mexican flavours, and combines them with Melbourne’s unique dining culture. A restaurant is what your customers make it. Located a stone’s throw from St Kilda’s iconic Palais Theatre and Luna Park, and surrounded by the neighbourhood’s newly developed residential highrises, Radio Mexico’s clientele is unique. “We get a lot of people going to shows, but we also have a lot of regulars with the high-density population. So, we cater for people who just want a beer and a taco, but we also cater for people who want to sit for a few hours.” Responding to the needs of her clientele didn’t happen by chance. In each venue Adele has run, she has worked to uncover its individual character, something that can’t always be forced, but that develops in response to the people, the location, the space, and with time. When asked what she believes is the making of a successful venue, she repeats the idea of sustainability, “It takes so much effort to build these restaurants, you want the idea to be something that can really take root in people’s sensibility in the area, particularly your locals.” Find a product that is approachable, accessible, and high quality, and stick with it, she advises. “It's sticking to something that will actually make it really refined… Sometimes you’ve gotta go through the pain, but I really think the best long term sustainable choice is to just stick with it, because no one can run it like you.” When asked if she’s ever considered selling Radio Mexico, she admits that she has, but that not selling it was the best decision she’s ever made, “I'm here forever. I've decided. I'm committed for life. I'm married to Radio Mexico.” she laughs. The true meaning of hospitality. A sustainable business that continues to service the community into the future doesn't just come from good products, it requires good management. “You want to employ staff that you can keep for a long time, you can’t work them into the ground. Everyone's gotta be part of the organism.” Adele says. Over her career she has worked tirelessly to develop her own style of operating, and in each venue she’s run, has made sure that everybody is on the same page. “Twenty years ago I’d get these young male chefs coming in and calling me ‘chef’. I’d say "Let's drop it and just focus on the food instead of the hierarchy.”” Not having come up through the traditional chef training, Adele has lent more on her instincts than her technical skills, and she believes it’s what more women in hospitality should be doing. “Women have a feel for the true sense of hospitality.” she says. “Hospitality is often approached as an accounting proposition, but people forget what the word ‘hospitality’ means… it’s all about collaboration and interaction and face to face.” Something she believes women do inherently well. “I would just say to any woman in business, do it in a woman’s way. Do it in your own way.” To give good service, you need to receive it. As an active member of the service industry, Adele knows how to recognise good service, and she doesn’t stand for anything less than the best. “Service is a big deal for me. That’s why I love using local startup companies because often I'm in contact with the people who are very close to the development of the business… so I can relate better.” Her question to any service providers, be them suppliers or tech companies, is always “If I have a problem, will somebody pick up the phone?” Since transitioning to Zeller in early 2022, someone has always been at the other end of the line. “Zeller’s service is very good,” she says. “What's really important is that the Terminals work, they don't fail, they're fast, they connect. And also I love being able to easily search transactions in a hurry… we could never do that through the bank terminal.” For a fast-paced business like Radio Mexico, being able to visualise their cash flow has also been a huge advantage, especially when it comes to recognising dips or spikes in revenue “I use the Zeller Dashboard a lot. It’s a great back-of-house tool and it’s very easy to use… It’s a great way of getting that information that you most likely wouldn’t have searched for, but because it’s there, you might notice something that you’ll want to follow up on.” If Adele Arkell were to write a book about opening a restaurant, the chapters might read something like ‘carving out a point of difference’, ‘defining your own style’, and ‘sticking with it’. However she knows more than anyone that to be truly successful in hospitality you have to work hard, and you have to love what you do. As she says, “hospitality is to care for someone, to give service, to be of service, and to listen”. Indeed, taking a seat at Radio Mexico is to feel truly looked after, and it’s this feeling that might just be the secret sauce that keeps people coming back year after year. To read about other Australians growing their businesses with Zeller, head to the Zeller Business Blog and  sign up to our newsletter  to receive stories straight to your inbox.

Meet the Retail Royalty of Queen Victoria Market

Watching Malcolm McCullough behind the counter at his Victoria Market delicatessen, it’s hard to believe that just seven years ago, this same apron-clad shopkeeper was sitting comfortably, suited up in a corporate office. A natural-born trader, you’d be forgiven for assuming he’d been serving customers his whole life. And in a way, he has. After cutting his teeth at Target in the late 80s, Malcolm went on to open the very first Bunnings store in 1994, later assuming the title of Managing Director for the Disney stores across the Asia-Pacific. After a stint at Starbucks in the USA, he was eventually headhunted for the role of CEO at the Queen Victoria Market where he was instrumental in putting together the plan for the market’s new redevelopment. However, a desire to get back to his roots sparked a career change, and when he got the inside scoop on one of the market stalls going up for sale, it was all the convincing he needed. In 2017, Malcolm and his wife Anna took over Bill’s Farm – a stalwart of Victoria Market’s iconic deli hall that’s been dispensing cheese and cold cuts for nearly three decades. When asked what it was like swapping an executive office for a cosy 32-square-metre shopfront, Malcolm says the move was natural: “Managing 600 stores and 6,000 staff is obviously more strategic as opposed to hands on, but you're still in the stores. Most of my roles have been operational, spending time on the ground, seeing the staff, talking to them about what's working, what's not working. So none of that was any different other than the fact that I’m actually spending a lot more time with customers.” Measure twice, cut once. While you can take the man out of the strategy, you can’t take the strategy out of the man. Malcolm’s approach to business leans heavily on his years of corporate retail experience. From customer service to stock rotation, staffing and business development, nothing is left to chance. When COVID hit, Malcolm was quick to come up with a strategic roster: “We had two teams of staff with two different weeks. One week on, one week off, but we still paid them every week. It just meant that if one of the people on one team got COVID, that whole team would go away to isolate, and the other team would come in and run the business. So, we were never in a situation where we had to close.” This highly considered approach is implemented across every facet of Malcolm’s business and it shows. “We manage our stock extremely well to the point that we have 26 stock turns a year. So we turn over the stock in the whole store every two weeks. We have very minimal wastage.” An enviable result and one that Malcolm and Anna have achieved through employing the ‘open-to-buy’ approach, a common retail strategy that ensures your inventory remains balanced at the perfect level to meet demand, and avoid over or under stocking. “We know exactly how much dollar value we can spend each week. We're not just going and buying. We also take the kitchen pantry approach: we have 510 products, but we're not going to get Kellogg's cornflakes in until we've taken Coco Pops out.” Going with the cash flow. Closely following every dollar that goes out and comes in, is one of the keys to the deli’s success, but Malcolm doesn’t do it alone. His armada of tech tools – Xero, Zeller and Atria point-of-sale – integrate together, allowing him and Anna to track every transaction and expense down to the cent. “With the POS, we know how much margin we make per product per day. It's just phenomenal the data that you can get.” he explains, “I think there are a lot of businesses out there that don't understand how much things cost and don't have an opinion on how their business performance is going. We look at it every week. We know exactly where our profit is going to finish at the end of the financial year, and then we'll forecast for the next financial year. We'll measure it every week to see how we're going against that budget.” For Malcolm and Anna, a key component of this analysis was unlocked when they transitioned their EFTPOS to Zeller Terminal . “Our merchant fees in the 2019-2020 financial year totaled $28,000… it was just out of control.” explains Malcolm, who became exasperated by the banks’ lack of flexibility especially when cashless payments skyrocketed during COVID. Thanks to their new EFTPOS solution, they’re spending less on merchant fees and saving money through strategic staffing: “The Zeller Dashboard is really handy for giving us information about when those transactions are happening. If they are varying at certain periods of time in the day, it means that we've got a requirement for less or more people. So we use it to help our rostering.” A changing demographic. If the ebb and flow of customers are worth monitoring anywhere, it’s the Queen Victoria Market. From the sudden halt of tourism at the beginning of the pandemic to the surge in people working from home, and the swelling local population living in new high-density developments, customer trends have changed significantly in recent years. “We no longer get that regular lunchtime customer who’s working in the city… and there aren’t as many tourists as there used to be. But we’re finding that we’re picking up new customers every single week from people who are moving into town, especially young university students but also just people living in the city.” Malcolm explains. Despite the market’s near 150-year history, running a successful business within it comes down to understanding the value it brings to today’s customer. The shifting demographic is having an impact not only on when customers are coming, but what they are buying. “We're finding that customers want to see what the new cheese is, what the new product is… they're looking for something different. They don’t necessarily want to do what they did yesterday.” says Malcolm. Having worked in other densely populated cities such as Hong Kong and Singapore, the retail specialist understands exactly why this is: “When people live above the shops they shop in, you need to constantly change your offer to make something different, better, put new stuff in.” he explains. Think big, act small, start now. Looking ahead, Malcolm has no plans of slowing down. He’s closely following the five-year business plan that he established when he took over Bill’s Farm, which includes growing their online orders and corporate catering. In-store, he’s intent on continuing to keep his customers and staff happy, and for that, he’s always prepared to change tack. “One of the things I love about retail is that you can change something today and see the results immediately. In other businesses it sometimes takes a long time to get through that process of strategy becoming reality.” Indeed, agility has proven to be the pillar of success for Bill’s Farm, which has held steadfast through a pandemic and now a cost-of-living crisis. “All you have to do is think big, act small and start now.” Coming from a retail veteran whose strategies have served him at Disney as they have in the deli, his maxim is one worth remembering. To read about other Australians growing their businesses with Zeller, head to the Zeller Business Blog and sign up to our newsletter to receive stories straight to your inbox.

Forever Young: How A Vintage Institution Keeps Thriving After Forty Years

If you were wearing a vintage pair of Levi's in the early '80s, there's a strong chance they were sourced by Tina Lowe and Ross Waddington. The founders of vintage clothing store, Route 66 , were arguably the first to bring second hand American fashion to Australia. Forging a community of devotees not just through clothing, but through the musical subculture it serves, the couple has created a 40-year legacy that continues to thrive in Sydney's inner west. Today run by their son Leroi, Route 66 has no plans of slowing. We sat down with Tina and Leroi to talk about selling old school fashion in the age of technology. From America’s heartland to Greville St, Prahran. Route 66 started on the eponymous mother road that crosses North America, connecting the East to the West. Cruising through beautiful grasslands and sun-scorched landscapes, Tina and Ross spent six months in their Chevy station wagon chasing swap meets and collecting vintage treasures through America’s heartland. Back in Melbourne they opened their first shop on Greville Street, Prahran. Far from the clean, gentrified image the street exudes today, the run-down highstreet of 1983 boasted cheap rent and a community of musicians, artists, students and hippies: a market primed for their haul of anti-fashion. Route 66 was one of the very first retailers to introduce Australians to classic vintage American fashion, and helped change the public’s view on used clothing, which until this point was exclusively available at the Salvos or St Vincent de Paul. “I wanted to get people to understand buying vintage clothing. Clothing that’s been imported and selected as opposed to opp shop clothing. So I made sure that everything was absolutely clean, presented on really good hangers, and displayed really well” Tina explains. Ross’s passion for American roots music, from pre-war blues to '60s garage, drew in even more people, helping to make this iconic store much more than just another clothing outlet. “It gave us a point of difference, by creating a sub-culture around the music we played. So, it became really popular and that’s what we became renowned for. It was about sharing the things we loved.” says Tina. The winning sartorial strategy. Following the overwhelming success of the Melbourne store — Tina moved to Sydney five years later, in the summer of 1988, to open Route 66’s second store on the iconic Crown Street strip in Surry Hills. Tina says it’s here that things really took off, in large part thanks to the Sydney-based magazines that featured them, but also owing to Tina’s more strategic approach, “In Sydney I started buying and mixing in new clothing with the vintage so that customers could buy a complete outfit. Because what’s difficult with vintage is finding the right sizing, especially with jeans and pants.” Well before the ‘buy better, buy less’ mantra entered the common vernacular, Tina was championing timeless fashion. “It’s always been about finding that classic item that you’ll love forever, it’s not disposable fashion. That’s why even with the new stuff I try to select items that still have a vintage, timeless feel, you know like Levi’s 501s. So, I guess that's always been my concept without even really thinking about it, I just did it instinctively. Retailing on the right side of history. “I didn't think I was going to last this long” says Tina, “but now with this whole movement away from fast fashion, people are more aware. Buying vintage has become much more accepted and people actually feel better buying things that are not going to landfill.” The growing environmental consciousness has led to a boom in the pre-loved clothing industry: a study by Reluv reported that about 75% of Australians purchased secondhand clothing last year. Yet even with this growing trend towards sustainable fashion, Tina knows they can’t rest on their laurels, “We still have to stay on top of a certain style, we can’t just sell any old second-hand clothes.” At Route 66, each piece is hand-selected, cleaned and pressed, offering customers not only a collection of unique styles from eras gone by, but garments that have and continue to stand the test of time. “I love it when someone comes in and they've had their favourite jacket or pair of jeans for the last 10 years, I think that's fantastic” says Tina. Old threads meet new technology. Boasting the biggest supply of second hand 501 Levi’s in all of Sydney does indeed come with its difficulties. “With the dollar fluctuating all the time and shipping costs going up, that’s really very challenging. Not to mention rent and everything else that’s going up” explains Tina. To combat rising prices and streamline their operations, Route 66 has been using Zeller Terminal since April 2022. “I'm so old school, I used to do everything on paper… But I’ve found Zeller has made taking money so much easier, and having a record of it. I can log in at any time to see how they're doing at work. Which is really fantastic, I couldn't do that before” explains Tina. Additionally, being able to track sales has allowed them to optimise their rostering, “We can see what days are the busiest during the week, and make comparisons... it’s really good to be able to check when it’s busy when you're not there” explains Leroi. Having a system that can easily support refunds, work wirelessly, and provide additional branding also proves to be a boon for any business dealing in vintage wares, “if something breaks, I can refund someone and it’s very easy to do” says Leroi, “and it's great that it’s got a SIM card in it so I can go anywhere with it, which is very handy when we’re doing a market or an event. Plus having the logo on the receipt makes it a bit more individual.” Invest local, think global. When Ross passed away in 2011, it marked the end of Route 66’s presence in Melbourne. However his son Leroi has his sights set on reopening a second store in the brand’s founding city within the next few years. Until then, he is focusing on growing the online business and getting more people through the door in Newtown. Following the legacy that helped build the brand’s profile in the '80s, Leroi has been organising music events and free shows in-store: an out-of-the-ordinary marketing tactic that’s paying dividends. “The council helps us out a bit with putting on live music and then we partner with Young Henrys and Heaps Normal to provide the drinks. It helps to build a bit more of a community vibe.” And it’s not the only way Route 66 is investing back into the community, they regularly donate gift vouchers at the local pub’s spin-the-wheel competition to further embed their brand name into the local culture. In conjunction with an active Instagram presence, Route 66 has successfully built more than just a brand, it’s built a cultural institution, “We mostly get returning customers” says Leroi, “there are a lot of artists or musicians who hang around the area, and they’ll always pop in.” Paradoxically, by investing so heavily in their community and supporting the local arts scene they’ve garnered a loyal network of followers that extends much further than their postcode, “We get people coming in from Melbourne or interstate or even overseas… the Instagram presence makes a big difference." For a business dealing in old school clothing, Route 66’s approach to retail is far from dated. Keeping their offering fresh and accessible, fostering a community and embracing new technology have kept the Waddington’s family business alive and thriving for over four decades. A winning combination that you might just say, is the road to success. To read about other Australians growing their businesses with Zeller, head to the Zeller Business Blog and sign up to our newsletter to receive stories straight to your inbox.

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