I have generally been a happy user of Zoho Books.

I am astonished that your new update doesn't match expenses with customers unless a bill was made.  I.e., creating an expense - or for that matter a receipt - and assigning it to a vendor on the fly within the bank account matching transactions screen doesn't register that transaction within the contact's individual record, or with other related accounts.

I had corresponded with one of your team some time ago about this and they indicated the problem would be solved promptly.

We are now coming to the next big release cycle, and apparently it has not been addressed.

Likewise, I am astonished that your new update does not include budgets.  

I am a huge fan of the idea of Zoho Books.  I have been a fan of the promise of Zoho Books.  I am becoming less and less interested in the reality of Zoho Books, and suspect I will be leaving soon.