 Specifically, products such as time clocks, ATM "pay" cards, savings or cafeteria plans, Workers' Compensation insurance and finance data-entry web sites, are actually the products of companies with expertise in these specific, and are generally branded so that the customer is unaware of the third party's influence.This type of arrangement is desirable to bureaus as it allows them to show a competitive portfolio of that rivals that of the national chains.Businesses may decide to outsource their finance functions to reduce the costs involved in having financial trained employees in-house as well as the costs of systems and software needed to process finance.