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PF TECH Insights

Practical insights for the non-profit sector.

AI adoption, operations, and financial management — written by practitioners, for the people doing the work.

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From 5-Year Roadmap to Reality: AI Didn't Just Accelerate Development. It Changed the Business.

In 2021, building PF TECH required an estimated $300,000+ in startup capital for product development alone — before marketing, sales, or operations. By 2025, that estimate was essentially obsolete. But the development story is actually the least interesting part of what AI has done to this business. The real shift is in the operating model.

Greg Zatulovsky, CPA·February 11, 2026·5 min read
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From 5-Year Roadmap to Reality: AI Didn't Just Accelerate Development. It Changed the Business.
PF
Tech & Innovation7 min read

Your Accounting System Needs a Bouncer, Not a Butler

There's a version of the AI-in-non-profits story being told right now that goes like this: AI will automate the tedious back-office work, free up your staff, and let you focus on your mission. That version is true — I believe it deeply and I'm building the tools to make it real. But there's a part of the story that isn't being told, and the gap between those two versions is where a lot of organizations are going to get hurt.

Mar 30, 2026
Resilience is a Verb: What the CPA Ontario Not-for-Profit Conference Revealed
Leadership & Strategy5 min read

Resilience is a Verb: What the CPA Ontario Not-for-Profit Conference Revealed

In November 2025 I hosted the CPA Ontario Not-for-Profit Conference. The theme was Resilient Futures. Seven speakers, eight hours, topics ranging from AI adoption to board governance to front-line service delivery. What I took away was more urgent than the theme: the sector's biggest obstacle to building resilience is not funding or technical skills. It is the calculus that makes staying stuck feel safer than taking the next step.

Feb 11, 2026
Building a Better Engine: The PF TECH Origin Story
PF Tech Updates9 min read

Building a Better Engine: The PF TECH Origin Story

PF TECH didn't start at a whiteboard. It started in a filing cabinet — in 2013, watching a colleague print every email he received and file the paper copies in rows of cabinets along the wall. Nearly two decades later, that pattern is still the sector's central problem. Here's what I built because of it.

Feb 11, 2026
TERN: Building the Non-Profit Back-Office Infrastructure the Sector Never Had
Tech & Innovation7 min read

TERN: Building the Non-Profit Back-Office Infrastructure the Sector Never Had

Twenty years of working inside non-profits left me watching extraordinarily capable organizations spend their best operational energy fighting infrastructure that was never designed for them. TERN is our answer to that — a non-profit back-office integration framework built from lived experience. Here's what we're building, why it doesn't exist yet, and how you can help shape it.

Feb 11, 2026
The Maker's Revolution: From Concept to Custom Tool Without the Bloat
Tech & Innovation7 min read

The Maker's Revolution: From Concept to Custom Tool Without the Bloat

For years, a custom software problem had two answers: force-fit an expensive tool or absorb the manual workaround. Both were genuine options because there weren't better ones. Three things I've built recently — a bespoke CMS, an internal operations tool that replaced a $500/month subscription, and a two-hour build for my father — put some numbers on how much that has changed.

Feb 11, 2026
AI, Data Sovereignty, and the Modern Non-Profit Tech Stack
Tech & Innovation8 min read

AI, Data Sovereignty, and the Modern Non-Profit Tech Stack

The public debate about AI risk focuses on the dramatic — algorithmic bias, autonomous decision-making, systems going rogue. Those are worth discussing. But the risks that are actively costing Canadian non-profits their data, their service continuity, and their operational independence right now are far less dramatic and far more preventable. Here's how to think about data sovereignty in the AI era, and what we're doing about it.

Feb 11, 2026
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