Name: Real-Time Forecasting, No Spreadsheets: Enterpryze’s Journey with Agicap
Uploaded: 2025-05-14T11:30:39.147Z
Duration: 48 min 32 s
Description: Real-Time Forecasting, No Spreadsheets: Enterpryze’s Journey with Agicap

Transcript for "Real-Time Forecasting, No Spreadsheets: Enterpryze’s Journey with Agicap": And now we're live. Hello, everyone, and welcome to this webinar of Agicap, put on by enterprise, Nona Brown, where we will be digging into real time forecasting, getting rid of the spreadsheets with focus on Agicap cash flow forecasting. My name is Nat. I'm joined here by Kieron from Enterprise Milner Brown. And we'll be taking you through what Agicap does and, how it works with both SAP b one and enterprise as well now. And, then there'll be a quick, piece from Kieron on how he uses Agicap himself on a day to day basis, and then, I will be giving you a quick demo of the solution as well at the end. First things first, goes without saying, please do ask questions as we go. You should see on the right hand side of your screen, a q and a bit next to the chat. If at any point you have particular questions either around how you guys do your own forecast, or manage your cash, specific bank accounts you might have, these questions that can quite often crop up, please just do post them in the chat or in the q and a. Not the chat, in the q and a, and, I will answer them or Kieron will answer them, if they relate to how he uses a tech app, when he's talking about that, at the end or as we go if it's a quick one. So I'll just wait for a couple more people to join, and then I think we can get going. Okay. Let us get going. So, Kieron, I guess most people on this call probably know you, but I'll let you introduce yourself, in a moment as well. But for those that don't know me, as I'm guessing very few people on this call know me, I've seen you before, my name's Nat. I head up the partnerships team here at Agicap. So my life involves, spending lots of time with businesses like Milner Browne & Enterpryze. So consultancies that implement ERP systems because actually, we always plug in to an ERP system. It's a key data point for us when we're trying to build, our customers' cash flow forecast. Also quite a lot of time with interim CFOs, financial consultancies, and private equity funds. And I also do a fair amount of ATCAP demos, which, I'm hoping I'll be able to give you guys a good one today. Kieron, do you wanna quickly introduce yourself in case there are some people that don't know you on the school? Hi. Yeah. I'm sure there are people out there who don't know me. Kieron Kavanagh. I am CFO here in, Miller Brown Enterprise for the last thirteen years. I've held senior roles in companies right through my career. I'm a professional accountant. And, I've been and I've been with this business now for the last thirteen years. So I will give you a background later on as to how I got into needing something like Agicap to, to help me do my job. Great. Thanks, Karen. Okay. I'll just introduce, Agicap quickly as well, as the starting point, then kind of talk about that integration with both SAP Business One and enterprise, two integrations that and Milner Browne & Enterpryze have built together. And then as Kieron said, he'll talk a little bit about how he uses it, and then we'll get into the demo. As I said, the q and a is very important for us, so please do post questions as we go, and we'll have a dedicated session for it at the end. So, maybe you don't know me. I'm guessing people don't know Agicap on this call as well. AGICAP is originally a French company founded back in 2016, and we are a next generation treasury management platform for mid market companies. So really designed for, this customer base, on this call. And we fully integrate our solution for cash flow, cash management with both SAP v one and enterprise. Since 2016, we've expanded to now 52 different countries of operation. We have got offices in six, so ranging from Lisbon to London, to Paris, to Lyon, to Berlin, Milan, and Barcelona. We've got over 600 employees. We've got over 8,000, clients, as of today. I think when we talk about Agicap, one thing I always like to to, mention is the principle on which Agicap was built, which is the cash flow is what drives long term success for businesses. And one of the privileges, I would say, of my role is the range of people that I get to talk to. And what's interesting to me is that this principle is something I I find really resonates in the conversations that I have with CFOs and also with investors. And I've put on this slide on the left hand side both, a quotation from one of the conversations I had in the last year with a CFO and then a conversation in the middle with a, a conversation I had with a with an investor. And what you see is both of them, emphasizing how important they see cash flow as to their business. So that's how good CFOs run their business on the left hand side. They really understand what's flowing in and out of their business to the transaction level. So it means understanding the business on a on a receipts and payments basis, what's going in and out, and when it's going in and out. The investor that, I spoke to one of the investors, you know, if you ever want to understand the value of a business, just just look at its bank account and its receipts and payments, AKA, when does this business pay out? When does this business get paid? That's how investors assess the value of the businesses they wanna buy. And then what I find interesting, when I go out and do my job on a day to day basis is this third perspective on the right hand side, which is what I might call it says here the consultant perspective, but I sometimes call it the reality perspective, which is it's always the same. Companies often don't know what they're going to be spending next week. And this is the problem that Agicap is going to is is looking to solve because at the end of the day, cash flow forecasting and cash management good cash management is not easy. So we have this kind of strange world where most CFOs, most investors know the value of cash, but they don't have an adequate solution to forecast cash or an easy means of managing cash effectively within their businesses. So thirty seven percent of UK CFOs have an unreliable cash flow forecast. These are data points taken from Agicap own mid market survey, which we conducted across 500 CFOs at the end of of of last year. And that unreliable cash flow forecast means the forecast has a variance of more than 20%. So when you make your forecast, its accuracy, is often out by at least 20%, for 37% of CFOs. So for all of those CFOs, they're building a cash flow forecast that they just cannot trust because they can't find a method of making it be sufficiently accurate. 63% of UK CFOs don't have a short term cash flow forecast, so two thirds don't have a means of of knowing exactly who they're gonna be paying next week, in, to reference the quotation we just saw on the previous slide. And then most importantly, for all of you on this call, this, lack of accuracy or lack of trust in the cash flow data comes with real, financial consequences. So 600 k, unreliable, 600 k is the average cost of an unreliable cash flow forecast in a year for mid market companies. So how does Agicap solve this problem? So I mentioned Agicap is a nine year old company now, and we've been expanding our product to solve the challenge of all the difficulty of good cash flow forecasting and good cash management over the last nine years, we've built a platform to tackle all of these cash challenges. I always say to people coming to Agicap for the first time that the the purpose of the tool is really twofold. Objective number one is to centralize all of your cash information in one place, which in the case of all the people on this call means your invoice data from either enterprise or SAP Business One, which you'll bring in via those API connections that we've built with Milner Browne & Enterpryze to feed that data into Agicap. And then as Kieron will explain, in terms of how he uses it himself, we'll convert those invoice due dates into expected payment dates so it becomes not a, a p and l forecast, but a cash flow forecast. And then for your noninvoiced items, we'll bring them in from additional sources so you have that forward projection for your cash flows across all your different, sources of information. That's the first part of the data centralization. And then the second part is the direct connection to your bank so that when payments get made both in and out, you can see them directly within Agicap, and you can actualize your forecast over time so your forecast evolves as your business evolves. So that's the first goal is that data centralization, and the second goal is driving cash efficiency, and that is the bottom half of this slide. So we have on the left hand side, the left left corner, you have a payment module where you can automate your, payment processes and run your payment approvals from within Agicap via those direct bank connections that we have. And then on the bottom right hand side, we've got this collections module, which is a means of identifying your late paying customers and coming up with automated workflows to, encourage them to pay more promptly or renegotiate the terms so that you can bring down your DSO. And then on the payable side, you can drive not only approvals efficiency on the payment side, but also, be smart about when you pay your suppliers. In our demo, we'll focus on this top part, which is the cash flow forecasting and the bank account management bit. To give you a sense of kind of some of the customers using Agicap today, not only Miller and Brown themselves, who are also one of our partners along with the likes of KPMG, Grow CFO, and then, RSM, you know, them a big, consultancy, in The US and The UK. But, also, we have some big franchises, the Golden Archers leading the way. Then we have Greycroft, one of the The US' biggest VC funds, and then also ATP as a big tennis fan. I know Kieron, is more into his golf, but I'm a big tennis fan. This is a big name for, Agicap as well. And also backed by some of the world's premier PE funds, including Petruvian, Wolcott Pincus, and Aurelius. Key point as, I tried to make on that previous slide, in terms of how ACHCAP works to automate your cash flow forecast is the consolidation and integration of all that information from multiple sources. So for, all of you guys on that call, ERP in the bottom, terms of bringing in your client list, bringing in those invoices, bringing in your supplier list, bringing in that information into Agicap to, create rules and automate expected payment dates. For longer term forecasting, we'll bring in, your spreadsheet information, so your one year business plan, your two year business plan to give that long term perspective to your cash flow. And then on the left hand side here, we have your, bank connections. So you have your actuals. You have your short term forecast, who we're gonna pay tomorrow, who's gonna pay us tomorrow, and then also all those invoices and receipts for, the payable side as well. And then in terms of what, Agicap delivers as value for your business, we like to think of it as increasing operational efficiency for, the finance teams who manage cash and do cash flow forecasting, save them time, increase the accuracy. And then we also, see Agicap as a huge means of increasing financial efficiency, so both increasing your available cash in the short term, facilitating negotiations with banks, so preventing you going into your overdraft, but also renegotiating your terms when you see how much cash you have in particular accounts. And then, ultimately, from a planning perspective, strategic planning perspective, Agicap, as a means of centralizing your information, enables businesses, enables its clients to make those decisions more easily. And maybe, Kieron, this is a good point for me to bring you in to talk a little bit about how you use AchiCam. Yeah. Sure. Hi, everybody. So Milner Browne, going back thirteen years ago when I joined the business, Milner Browne was, exclusively an SAP partner in Ireland and The UK. We were the we we were and and still are the biggest by number of, SAP clients. And it was a relatively simple business to run because we only had two companies. We had effectively two bank accounts, and we had, and the only challenge we had as a business was that a substantial proportion of our, cash flowed in, between Christmas and January because they are the that's when we build out our annual maintenance agreements. And then the rest of the year, we kinda we sat there with the with with the substantial cash in the beginning of the year, and the challenge we had was that we had to manage that through the year until that cycle came through again. So that was the only challenge that we had there. But but but thirteen years ago or twelve years ago, we started working on the concept of, Enterpryze. And Enterpryze originally was a was it the the concept was it was going to be an add on for SAP. In other words, it was going to give people cloud access to SAP, the data in SAP, and it was going to allow us to bring features to SAP through Enterpryze that SAP didn't have itself. And that's where it started. But the more we built and developed and researched the product, the more we realized, well, hang on a second. This is a really this is a really positive way of creating our own ERP system. And, thus, over the last, seven or eight years, Enterpryze ERP, came came came to life. And so it has been, on that journey and and developing and improving every every month. We knew we send out new releases every month, so it's been developing, and improving every month. So now we now we now we, provide both Enterpryze and or, SAP or or a combination of both to our client base. Now that's that bit out of the way. Now what challenge was that for me? Well, first of all, I had an uneven cash flow in Milner Browne and that we got a lot of cash at the start of the year and I had to manage that through. But enterprise is a global product. And as we develop the product, interest came from Singapore, from Malaysia, from, The States, from South America. There was interest came from it. And as we landed in those countries, we had to set up, legal entities in the in those countries. And so after four or five or six years, we ended up with, 10 legal entities, 10 different currencies, maybe 20 bank accounts, plus our own business. And given that we were funding most of the development ourselves from our from, effectively, from Milner Brown, from the SAP cash flow, managing the cash through the year through 10 entities and multiple bank accounts became a real, real challenge for us. Because while we had while it was easy to do a p and l, while it was easy to do a budget, it it the first challenge we had every day was how much money do we have? So somebody had to go and go open up all the bank accounts and check the bank balances and see what money came in and went out. Simple thing like that was was very, very difficult. And so we went out looking for a product and stumbled across Agicap about three years ago. So so how does it work for us? Well, first of all, after three years, Agicap is embedded in our in our own systems and processes because we are still developing, enterprise. It it's it is. We are still developing enterprise and spending more on development than we're than we're than we're earning in terms of revenue. And therefore, cash management from a day to day, month to month and year basis is a a a skill set in itself. And I don't have all the skills myself to be able to see everything, when it's spread all over, SAP and enterprise and the the his my our historical data, our, spreadsheets, it's very, very difficult to see where our cash is and where where it's going over the over over the, over periods to the future, whether it's this month, next month, or this year, or next year. So how does it work for us? Well, when we originally, we we just subscribed to it. We saw it. We got a demo to it. We said, yeah. That's it. That's gonna work for us. We subscribed to the product, and we went through a period of implementation that really genuinely and and you should listen to this yourselves. It took three or four months, right, to get it right. So it wasn't full time three or four months. It was part time meetings every week. Agicap understanding our business, and we're trying to manipulate Agicap so they will work properly for us. And and we went through that process. So so the end result for us was this. We had 10 bear in mind we had 10 entities, which means that we had 10 debtors' ledgers. We had 20 odd bank accounts. We had 10 creditors' ledgers. And when I wanted to get a view on the business, it was so difficult because you had to just extract information out of out of 10 companies, put them in a spreadsheet, try to put it together. By the time you've all got that or you have that done, two weeks, a month has passed, and and you you've lost it. Yeah. It's too late. The information has gone gone gone gone cold. It's history now. So what happens with with, and and I'll talk to you about the the the pre integration part where we started off. So when we sent an invoice to a customer, no matter what company it was from, that invoice was sent to the customer and it was cc'd to AGICAP. And it was picked up on AGICAP and posted then as a as a as a revenue item. When we when we posted the purchase invoice, again, we we post we we sent that we posted that into our into enterprise or or SAP, and it also went into Agicap. So now Agicap had all our sales invoices from all our different entities, and it had all our purchase invoices from all our different entities in one place. Okay? So now if I wanted to see how much our debtors owed us, all I had to do was click on the home screen on AGICAP, and it told me. Because all the invoices, while they were being posted into the entity debtors' ledgers, they were also being posted into Agicap, and Agicap has the ability to provide you with a single company view or or a global or, sorry, a single entity view or individual companies. So I was able to see the whole company, the whole all our entities as one company. I could see one debtor's ledger. I could see one creditor's ledger. Woo hoo. That was brilliant. Right? Now I don't have to go look and I can just click on a button, click on the main screen every every morning, and I know what we're owed and I know what we owe. And not only that, I can click on the figure that we're owed, and I can see it by revenue type or customer type or supplier type or whatever it was. And I can see the individual amounts, that that that that make up that. In other words, the individual customers that owe us those amounts of money regardless of what entity they're in. Yeah? Or I can see it by entity. So now I could see in the present. Right? As our information was building in Agicap, as we were using it every week, we were building a historical view. Yeah? All the sales invoices that we created, all the purchase invoices that got in, all the cash receipts that had been received were were were fed directly from the bank into Agicap, so we didn't even have to post the cash in there. And and as months went by, we built a history. Right? So we've been using Agicap now for over two years. So I have the actual cash we received by entity or by the whole group by month for the last two years. And and likewise on our purchasing side, again, we were posting purchase invoices and categorize it by supplier type, by by by you know, it could have been payment of loans, payment of VAT, payment of suppliers, payment of particular type of suppliers. It was all analyzed for Agicap. So now I'm sitting on two years of really strong actual historical data. I can also see what's owed today because the invoices are being posted in as they're delivered, and the purchase invoices are coming in as they are posted. And then based upon that, Agicap allows me to to build out what I believe my forecast cash is going to be over the next month, twelve months, two years, five years, whatever I like. So when I open my home screen on Agicap now, I can see all of the past, today, next month, and anything I want to in the future. Now that I have that view, I'm actually comparing on that screen, I can view my actual situation, and I can look at my budget or forecast. And if it's not working out, I can change my forecast. So I can change my forecast in my main home screen or I can say, okay. What happens if we get that big order? What does that do for our cash flow? How much extra will that allow us to spend on development over the next six months? So I can from my main catalog from my main screen, I can create a scenario from that screen, a copy of that screen, and allows me to build another scenario whereby either cash doesn't come in or does go in or we pay a supplier early or we decide to pay off a loan early. And I can say what how how does that work out for us? Because we ourselves work in a very tight cash environment because we are trying to build one business and we're trying to run another business. And, for the next five years, we will invest in development as much as we can afford. Yeah? Profit wise is never a problem in a business. You can calculate your profit or forecast your profit based on your revenues. The thing the thing is always how do you how how do those revenues affect your cash flow going into well, how do they affect how do your those revenues affect your cash flow today, and what's it going to do in the future? So we we as a me as a CFO, I'm embedded in AGCap. I the first screen I go to every morning. It tells me what money came in. It tells me where it came from. It tells me what debtors have paid. It tells me how much that business is owed as against the individual companies. I can see that as well if I want. So it gives me my my my vision my view of the of the company, immediately the minute I click in. So that's the first screen. From a finance point of view, everybody works in AGICAP. So we in terms of credit control, all our invoices go into AGICAP. We then use the facility facility in AGICAP to to create donning letters, to send those donning letters to to send out automated donning letters out to customers, to send customer statements, and to actually carry out all our automated credit control functions other other than, of course, the phone calls. All our automated credit control functions are carried out through AGICAP. Yeah? So we use that. So it so what I'm trying to say is that it's completely embedded in our system. We use Enterpryze, and we use SAC for some for some for some things. And that's providing us with our, day to day ERP requirements, lead to order to cash, procure to pay, production if we're producing and we do. It's accepted software, logistics, banking, finance, and budgeting. The ERP is taking all care of all that. But where ERP falls down, it the the the this no matter what ERP you look at, where it always falls down is what happens after you have posted the received the cash. What after what happens after you have paid the supplier? What's going to happen on the back of those actions going into the future? So that's what we do. We do the daily functions. So we we we do all that in in, in Enterpryze. We do the daily functions in Agicap, and we forecast out to the future. And we see what how it all affects us in the future through Agicap. So it's just part of the system now. For us, it's seamless. Yeah. And, I can't see us ever turning it off. Right? It's it's part of what we do. So we in Enterpryze, are as as a product, we're working very, very hard in terms of our r and d on AI and intelligence in the system and the use of data. But but we will only bring when we when we when we bring on new facilities with the Enterpryze, we'll still have Agicap as a tool to help us manage our daily cash and to help a forecast into the future. So it's hugely important embedded. And I speak this not as a partner because I gave the same presentation or a similar presentation or talk two years ago when we weren't when we weren't part two years ago, twelve months ago when we weren't partners. It was only that we when we saw the success of this, I suggested, that we should show this to our customers because I thought it would be of use to our customers. And then subsequent to that, we, agreed or we came to an arrangement with with, Agicap that we would, integrate the products. We would integrate SAP and Enterpryze with Agicap because of the benefits that it would deliver our customers. So so that there were the steps along the way. We were a subscriber. We thought it was great. We I gave a presentation to our customers as a potential benefit for our customers. I wasn't selling anything. I was just saying, a CFO is out there. Look at this. I'm using this. Why don't you? And then the conversation started around, us joining as a partnership and trying to integrate the products together, which we've done successfully. So there you are. Sorry about that. I'll stop talking now, giving Nat a chance to get back in again. Thanks, Kieran. No. It's great, as someone who spends so much of their life hearing about the problems that EdgeCap tries to solve, to hear, how the problem's been solved with real use cases, both in that kind of multi entity, multi currency scenario, and also for strategic planning as Nona Brown, enterprise continues to grow. But I think, hopefully, it's given a good teaser for our audience who might now want to see what ATCAP looks like. So I'm gonna share, my new tab, which should allow everyone to see the ATCAP home page, which is, surprise, surprise, a cash flow forecast. It's currently set on a monthly view, but for those of you that forecast weekly, you could also, flex it to be weekly or daily as you want. I'll stick on the monthly view just because I think it's easier. In terms of the information that you see, as I said, earlier on, ATCAP connects with directly to your banks. So we pull in that cash balance in the top left hand corner there, directly into ATCAP. This would be your daily cash balance, and this would update as the bank feeds update. On the forward looking view, we would connect directly with SAP Business One, or enterprise if you're using enterprise, and pull that information to pull your invoices, both in the supply side and the customer side directly into Agicap and then begin to convert them into, expected payment dates, which we'll get into in a second. So just to explain this graphic, the colors, greens cash in, reds cash out as you might imagine, and then blue is the cash balance evolving over time. In terms of the darker shades on the left hand side, that's because that's data that's been actualized. So if I hover here, you see it says actuals. And if I click, takes me to this bank tab where all of your transactions from all of your different bank accounts, so in Kieron's case, from that 10 different banks, from all their different entities, All the transactions would be recorded on this bank tab, and he could easily filter by different bank account, different categories that he's maybe set up within his ATCAP, amount, or he could just quickly sort by amount to look at the biggest transactions that have happened, within the month or within, the last week, for example. And you'll see the automatic categorization that we've built into Agicap, whereby once transactions have been categorized upfront on the expected side, so from your forecast, once they come into the bank, we have built in AI, which will then automatically categorize. And here you'll see 97% of, transactions have been categorized. We held an event last night focused on AI in finance, and one of my colleagues who works, who I think even onboarded, Kieron back in the day, was telling a story how he had onboarded a customer that had three years' worth of transactions, in, uploaded into AGICAP, and we extracted some rules from that three years' worth of transactions that they could then use to build an automatic categorization within Agicap, and this is able to achieve still today 97% accuracy, the same number, which is what prompted the thought, for all of their transactions that flow into Agicap. So their categorization, of transactions from a cash flow perspective is almost entirely automated for a business doing 900,000,000 of turnover. So that is the bank part of AGICAP. So makes sense. Those months have been actualized since they're in the past, February, March, and April. If you look to the future, so you may have heard in this demo some short term forecasting and long term forecasting come up. Kieron talking about the short term daily cash feeds, and I'll show you what that looks like in a moment via the banking connectivity of Agicap. But from this main home page, we try to combine all of those views into one. So you have your actual view, you have your short term cash flow view, and then you have your long term cash flow view where you don't have any data in your ERP, as of yet. Could I could I just step in and ask you to do a couple of things, Nat? That's quite alright. Yeah. Yeah. So if you just go down over the, on in the current month and click on the revenue figure. Yeah. Just click on the it's okay. So you see this this side tab comes out. And if you see the headings on it there, it's actual. It's showing what's actually been received. If you click on the expected so what I can see when I'm looking at our cash flow is that I can see what actual money by customer has come in so far this month. I can see what money x is expected to come in by customer. And in the next tab then, I have what I forecast, and that's what have been what I forecast maybe in January or what I our our our revised forecast. So that's very interesting. But if you just tab to the next month, tab, Nat. Okay? So what happens is is that, we we we will be in contact with a customer, and the customer, and and our credit controller will find out that the customer has a query on an invoice or that there's an issue on an invoice. And what she will do is she will she will extend she'll say, okay. The customer is not gonna pay that until such time as we get whatever issue is resolved, and she will push out the expected payment date out into the next month. Right? That means that I, today, can click on that next month, and I see expected. And what I actually see is a list of queries. So I say, why is that customer pushed out until next month? And why is that customer pushed out until next month? And that gives me the opportunity then to go back to the dev team or the support team or the services team and say, this customer is not paying this invoice because Can you please help the finance team to correct that query or to resolve that issue with, like, the customer has? So even in day to day simple operations, using it by just clicking on what's happening next month and why have we got an expected payment that should come in this month, expected next month, and then or the month after. And it helps us then to continue to drive the business. So simple things like that with an Agicap are very, very important to us because the total value of the debt of the the our, the expected, it should be the total value of all our combined ledgers together, and that's something we reconcile. Make always make sure that the total value of the expected, no matter what month it's expected, should be the total value of our of our of our ledgers. But so if stuff is expected next month, there's obviously a problem with that particular with those particular invoices. Sorry, Nat. Carry on. That's quite right, Clint. No. That's, where it's gonna move on to next. The expected, is kind of the key tab where you manage, all of your incoming payments and your outcome, upcoming outgoing payments in one place. And, again, you can filter by bank account, by categories, both at that consolidated level or the individual entity level. And to speak to kind of Kieron use case of, you know, the multi entity versus consolidated view, here you can see on the demo account, I'm looking at a consolidated level. But if I were Kieron and I wanted to dig into Milner Browne US entity, I could do that. And here, I'll show you. I think we're lacking some data, but, and it says Barclays current, but it might say US entity, in the enterprise Milner Browne setup. And we could quickly dig into what's going on with that particular part of the business and repeat the exercise that Kieron has just outlined by clicking here on this, set of and you can see here we have 51 expected transactions for this entity, and we can dig into what's going on for those specifically from directly within the main forecast. I I and just just guys just so I again, sorry sorry for disturbing your not or cutting in on your not. Down the left hand side, the left hand column, the descriptions. Right? What we have in there, we obviously start off with an annual budget. Right? And we budget by revenue type. Right? So it would be sales of SAP software or sales of annual maintenance, whatever it is. Right? We use that. That's what we categorize down the left hand side. And that means that when we're forecasting our cash, yeah, we are sort of forecasting a manager managing our cash. We're using the same headings as our original financial forecast, and it makes life very, very easy for us because, we will forecast based on the revenues that we have forecast what cash is going to come in. So we we we use the same categories, down the side, revenue categories because it matches to our financial forecast, which are also revenue categories. Sorry. Just to explain that on the column the the way we use it. Yeah. So, for those of you wondering how that would, work, you'd split out your, different sales categories here within Agicap. Again, you could do that, at a sublevel as well. Perfect. So then once you've got the setup with the direct feeds from SAP v one, or enterprise from that forward looking view. You can also bring in via Agicap any loans you might have via Agicap dedicated debt management module. So here, you can upload your loans that you might have directly into the tool and then see them reflect automatically in the forecast. Similarly, you can do so with any investments you might have. And then, typically, we would bring in, via, for that longer term view, so looking into the future, we would also bring in your budget. Kieron, I don't know if you're using this module, but we'd bring in via the p and l conversion module. We'd convert that p and l module, p and l, also your budget for the year, into cash categories so that you can then reflect that within Yeah. Agicap. And then you can have, here, you can see the different payment terms for certain things and translate that into this longer term view you see so that in November, but we haven't got any data in SAP business one or enterprise. We still have some kind of forecast based on maybe last year's budget plus our growth plan combined into one, feeding from that other spreadsheet. Yeah. Does that demo, Matt, have other scenarios or a a a another scenario? It has We've got some. Yeah. We've got some scenarios here. So so so just to explain. Right? So what we have in the screen we're looking at is we have genuine, % genuine historical data, and we have current live current data. But if I decide that the future is going to be might look different, I can copy that scenario into another scenario, create a new scenario. It carries all the historical and current data, and then I can change the forecast going into the future months very simply and very easily. So it means that I can play around with scenarios, based upon I just yeah. I would set up a scenario called Kieron scenario or Kieron scenario if we pay off our loans earlier or Kieron scenario if we get that huge contract in America. Yep. So we got this, go into here, and boost this number, and then go into the expected, and then change the scenario. And you're still in the scenario, and you say this contract, which is worth 47, is actually gonna be worth 97. And then we could change it within the scenario just like that, and this would automatically update our forecast here. And you could see it against the main scenario. Perfect. So that's the forecasting side of AGICAP. So if you remember back to the slide we presented at the beginning, it's kind of the top right quadrant on the slides. The other module that I wanted to look at quickly in this is the cash positioning module within Agicap, where you can manage all of your bank accounts in one place. So this is when Kieron was talking at the beginning about his struggle as enterprise Milner Browne expanded to know what cash was where, in which bank account at the right time, and everybody was having to log in daily to see the bank balances, know what payments were expected. Here within Agicap, you have, a centralized view of all of your bank accounts for those direct bank connections, which you can filter in whichever way you want, whether you it makes more sense to it by currency or you have specific cash pools that you might wanna build. You can build those, or you can just hone in on one account like this. This one's unfortunately very much in the red, so maybe we'll go back to, the total, before it makes because it makes a prettier reading. But this at the this graphic at the top is what your scheduled, balance of all your accounts in this case is scheduled to be over the next thirty days. So it's a very short term cash flow forecast effectively. And here you can dig directly into, the transactions going in and out of each account. Looking here in this transaction calendar, we have a daily view of what's happening in each bank account. So you can see there's a lot of green going into the Barclays current, so hopefully, it'll come out of the red. And there's a couple of supplier payments as well. Again, just like we did on the expected tab, Kieron will be able to dig into what exactly these are for, what they're going for, etcetera, like that. You can also use these alerts, to really begin to increase your financial performance. So I think I mentioned on one of the previous slides around how customers use AGICAP to prevent themselves going into overdraft. Here, the red is kind of flagging a risk, and the purple is saying, okay. You build it. You're building up this cash excess with in Agicap, this is money that could be put to use. And there, you can start to say, okay. Let's, think about how we can set up some balancing transfers between our different entities, and start to manage some set some rules where we say, actually, let's, push this money, from this account into that account when these rules, are met. So a classic example might be if you have all your sales in one currency, if you have operations in another currency, you wanna have always a certain amount of money in that particular account. You can transfer money from your main bank account into that account based on a specific amount. That is, Agicap kind of two core modules, the kind of bank account management side of Agicap plus the cash flow forecasting side. I don't know what the q and a looks like. People, have been posting as we go. In terms of reports, also within Agicap, you can build and customize the main reports that you wanna see from a cash flow perspective. So this data is, again, very much dummy data, but it should give you a good idea for kind of reports you're able to produce within Agicap as well. And I think, that's more or less all I wanted to cover, for today from a demo perspective. How does, the q and a look? Have we had any questions as you go? Or, Kieron, is there anything you'd like to add, before, that? Well, just very briefly, it, it's interesting that you end on that on that on that slide because or on that screen because, again, as a CFO reporting into the board, I don't report anymore with a PowerPoint presentation or a or a quote from us a snip from, Excel if I am reporting on cash flow, whether it's past, present, or future. Because I actually just opened the screen at board meetings. People have access to the screen. They don't normally go into it, but I opened the screen in the board meeting, and and it's self explanatory. What has happened, what has happened versus budget, what we're forecasting, and where we are today. So this is the screen that I use, and I have the for, any of our board meetings because it tells us everything. Great. I'm glad to hear, that I also think, lots of lots of other customers use Agicap like that. It depends a little bit on type of business. So for our audience, if you want your own Agicap demo, you can use, the request an Agicap demo button at the top of your screen, or you can have a personalized demo with me, by using the QR code here, on the on this slide, and I will be able to talk you through how Edge Capital work for your own processes. I understand there's a lot of, nuances to cash flows for different types of businesses, but it is what I spend, my days doing, every day, all day. So, hopefully, I can give you a good idea of how Agicap could be used for your business, and a personalized demo by using this QR code. Or, if you don't trust me after this webinar, you can request one with my colleague via the button at the top of the call cast. Oh, Lisa, we do have a question. Do you have, MGA insurance intermediary clients, which also have client fund accounts that should be taken into consideration, but which can't be used? Yes. This is a use case we see quite a lot, Lisa. Client accounts we ship with both law firms and insurance firms, where this client money that can't be touched in a certain way. And when the money needs to be moved, it needs to be moved very, very quickly. This is one of the main use cases of a certain kind of bank connection that we have, and you can also place certain restrictions on different users, so that only certain users have access to those accounts in their view within Agicap. I guess, that's kind of what you're driving at. But, yes, we do have a a lot of, clients with that kind of use case, both in insurance and within, law firms. Hopefully, that answers your question. And, if there are no more, then I think, Kieron, we can end, the session there. Thanks everyone for joining today. If there are any questions that crop up afterwards, please do feel free to follow them my way either on LinkedIn or via email on the screen or, just in a in a meeting which you can book for the QR codes. Kieron, thanks very much for your endorsement and for your support today. And No problem. I'm sorry. If anybody would like to contact me, I I I'm quite happy to show people how it works or how it works for us. So I'm available. And if you don't know my I'm [email protected]. You can see my spelling there, k a e r o n. You can mail me or you can call me at the office, any anytime you like. Happy to help. Perfect. Thanks, Kieron. Thanks, everyone. Bye. Cheerio. Bye bye. Bye bye.