Little signs like this are the start. Admin error? Unlikely
More than unlikely. The cashflow of big businesses like this is planned down to the hour. If they didn't get paid on the right date, it was because there were insufficient funds in the bank account. Given that all Premiership clubs are likely negative cashflow from month to month, that means Tony Rowe did not transfer funds, and the only reason for that would be he didn't have them available. He too would manage his cashflow carefully, so it is likely times are also tough for him (or SW Comms).