Strategic Finance Predict the cash, name the leak
AI for the SAP Business One finance function, for SME manufacturers: 20 services in three stages, and not one of them posts to the ledger.
Exclusive Boyum Practice. India’s No.1 Customer-referred Boyum IT Partner.
- Basic 4
- Essential 12
- Professional 20
Three finance desks. Where the cash waits.
Month-end tells you what happened, after you could have changed it. This domain returns cash: the money is already yours, and somebody else is holding it.
Which one sounds like your plant?
Cash that always arrives late
- Today
- Your terms say 30 days and your customers have quietly decided on 55. Every borrowing decision rests on the terms, not on the behaviour.
- What changes
- A cash forecast built on how customers actually pay, rather than what they agreed, so the borrowing decision rests on the real number.
Collections done by whoever has time
- Today
- The chasing happens when someone remembers, in the same tone for every customer, whatever their history.
- What changes
- A collections agent works the whole overdue ledger and drafts the right chase for each account. A person sends it, and sees at once anything that looks like a dispute.
Customers you suspect are unprofitable
- Today
- After discounts, freight, returns and rework, some of your biggest accounts are your worst. Everyone suspects which. Nobody has ever been able to prove it.
- What changes
- True profitability per customer and per product, with every cost loaded honestly. The suspicion becomes a number someone can act on.
Basic, Essential, Professional. Each one contains the last.
Every higher stage includes everything below it, then adds more services and more authority. The difference is not how clever the model is. It is who decides.
Basic
AI assists, you decide
4 services. The typing, the matching and the explaining: no judgement, no posting and no money moved.
Essential
AI predicts, you decide
12 services. Adds Score & Predict and Recommend & Guard: cash, credit, bad debt and the margin leaking out of accounts you thought were good.
Professional
AI acts, you approve
20 services. Adds eight agents that prepare, chase, reconcile and explain, and post nothing: a person posts every entry.
| Capability set | Basic | Essential | Professional |
|---|---|---|---|
| Ask & Explain | 1 | 1 | 1 |
| Capture & Extract | 2 | 2 | 2 |
| Draft & Compose | 1 | 1 | 1 |
| Score & Predict | None | 5 | 5 |
| Recommend & Guard | None | 3 | 3 |
| Agents (draft and propose) | None | None | 8 |
| Services in the stage | 4 | 12 | 20 |
All 20 services. Not one of them a rule.
Each service produces a prediction, a draft or a proposal that a fixed rule could not, and each one has a named place where its answer lands. Choose a stage to see what it includes.
Strategic Finance Basic
AI assists, you decide · 4 services- Ask & Explain
B1: Ask your financial data
“Which customers took longest to pay us last quarter, and what did we sell them?” Answered in plain English across the ledger, without a report request and without waiting for someone in IT.
You decideLands in: SAP Business One - Capture & Extract
B2: Supplier invoice & document extraction
The supplier’s invoice PDF becomes a draft A/P invoice, with the lines to check marked, ready for a person to check against the purchase order and the goods receipt PO. It is the same service as Agentic Procurement B3, shared between the two domains.
You decideLands in: SAP Business One - Capture & Extract
B3: Payment and remittance matching
A lump sum lands in the bank with no reference, covering nine invoices and two credit notes, short by the amount of a disputed freight charge. This is the job that eats a finance clerk’s time, and a fixed rule handles it badly. The service proposes the match; a person confirms it.
You decideLands in: SAP Business One - Draft & Compose
B4: Management commentary
The month-end numbers, explained in a paragraph a non-accountant on the board can read: what moved, why, and what it means. Drafted from the actual ledger, and edited by the person who signs it.
You decideLands in: SAP Business One
Strategic Finance Essential
AI predicts, you decide · 8 services addedIncludes the 4 Basic services, and adds these 8.
- Score & Predict
E1: Predicted payment date per invoice
Not the due date. The date this customer will actually pay this invoice, at this value. The payment behaviour behind it is shared with Sales Intelligence E4, which shows it at the moment of quoting.
You decideLands in: SAP Business One - Score & Predict
E2: Rolling cash-flow forecast
Built on predicted payment behaviour rather than agreed terms, with predicted supplier obligations on the other side. The difference between this and a cash report is the difference between a forecast and a photograph.
You decideLands in: SAP Business One - Score & Predict
E3: Collection risk and bad-debt probability
Which receivables are at genuine risk of never arriving, scored per customer and shown on the business partner, so the salesperson sees it before taking the next order.
You decideLands in: SAP Business One - Recommend & Guard
E4: Recommended credit limit
Many SME credit limits were set when the account opened and never revisited. This recommends the credit limit the customer’s actual behaviour justifies, upwards as well as downwards. A person approves any change.
You decideLands in: SAP Business One - Score & Predict
E5: Margin-leakage detection
True profitability per customer and per product, after discounts, freight, returns, rework and, where Intelligent Production is in place, the cost variances it explains. It may tell you that one of your largest accounts loses money. Everyone suspected. Now it is a number.
You decideLands in: SAP Business OneBeas Manufacturing - Recommend & Guard
E6: Supplier payment recommendation
Which supplier invoices to pay now: protecting cash, taking the early-settlement discounts worth taking, and not damaging the supplier you cannot afford to annoy. A person decides and pays.
You decideLands in: SAP Business One - Score & Predict
E7: Duplicate and anomalous payment detection
The same invoice, in a different format, from a supplier who changed their letterhead. A payment to an account number that changed recently. The payment that does not look like your usual ones is flagged for a person to check.
You decideLands in: SAP Business One - Recommend & Guard
E8: Working-capital guard
The sales order that would take a customer past the credit limit their behaviour justifies goes to an approver, with the predicted payment date and the bad-debt score attached, so the person approving it is deciding rather than guessing.
You decideLands in: SAP Business One
Strategic Finance Professional
AI acts, you approve · 8 services addedIncludes the 12 Basic and Essential services, and adds these 8 agents. Every agent drafts or proposes; a person approves.
- Agents (draft and propose)
P1: Collections agent
Works the entire overdue ledger. Segments it by predicted payment date and bad-debt risk, drafts the right chase for each account (a polite nudge, a firm demand, a phone-call brief) for a person to send, logs every touch as an activity, and hands the account to a person the moment it reads like a dispute.
You approveLands in: SAP Business One - Agents (draft and propose)
P2: Supplier payment agent
Turns the payment recommendation into a draft list of supplier payments, with the reasoning for every inclusion and exclusion. The finance manager reviews it and makes the payments in SAP Business One. The agent never releases money.
You approveLands in: SAP Business One - Agents (draft and propose)
P3: Bank-reconciliation exception agent
B3 matches what it can. This agent takes what is left (the part-payments, the unreferenced lumps, the deductions nobody explained), works out the likely treatment, and proposes it with the evidence attached, for a person to reconcile.
You approveLands in: SAP Business One - Agents (draft and propose)
P4: Dispute-resolution agent
The customer says they were overcharged. The agent pulls the sales order, the invoice and the agreed price, sets out the evidence on each side, and drafts either the credit note or the reply for a person to approve, saying so when it is not sure.
You approveLands in: SAP Business One - Agents (draft and propose)
P5: Month-end close agent
Runs the anomaly sweep before you close: costs that should have been accrued, costs that never landed, balances that moved when nothing happened. It produces an exception list for the accountant to work through before closing.
You approveLands in: SAP Business One - Agents (draft and propose)
P6: Credit-review agent
Not left until the next review. When a customer’s behaviour shifts, the agent drafts the credit-limit change, up or down, with the evidence, and routes it to whoever owns that decision.
You approveLands in: SAP Business One - Agents (draft and propose)
P7: Margin-recovery agent
Turns the margin-leakage list into proposals: a price increase for the account that is losing money, a freight recharge nobody was applying, a product line worth discontinuing. Costed, drafted, and put in front of the person who can say yes.
You approveLands in: SAP Business One - Agents (draft and propose)
P8: Scenario agent
“What happens to cash if our largest customer pays thirty days late and the rupee moves four per cent?” Answered against the live ledger, with the working shown, instead of a spreadsheet somebody builds by hand and nobody trusts.
You approveLands in: SAP Business One
On the screen, and in the audit trail.
Finance has a particular requirement: everything must be explainable to somebody who was not there. Every Strategic Finance answer has a named home inside SAP Business One, and every one can be traced.
- Bad-debt score, recommended credit limit
The salesperson sees the risk before taking the order, not after finance refuses it.
- Working-capital guard
An order past the justified credit limit goes to an approver, with the predicted payment date attached to the decision.
- Journal entries, payments, credit notes
Every agent output that would post is a draft. A named person posts it. That is how this domain is designed.
- Who, what, why
Every recommendation keeps its inputs and its reasoning. When the auditor asks on what basis a limit was raised, there is an answer with a name on it.
Two things, and one of them is courage.
The data prerequisite here is mild. The organisational one is not.
Margin leakage will name a customer you like, and you will not want to believe it.
Margin-leakage analysis has one predictable outcome: it identifies a large, long-standing, well-liked account that loses money once discounts, freight, returns and rework are honestly loaded onto it. Often the account belongs to someone senior. If nobody in your business is permitted to act on that finding, the report will be filed, and nothing will change. We say so at the readiness gate.
Someone permitted to act on an unprofitable customer
This is the real prerequisite. Everything else in the domain works without it, but margin leakage does not.
Invoices raised when the work is done
Not held back and raised in batches. Otherwise every payment-behaviour prediction is partly a measurement of your own invoicing delay.
Receipts allocated to invoices, not left on account
A payment sitting unallocated tells the model nothing about whether the customer paid on time. B3 helps with the backlog; the discipline still has to hold afterwards.
Costs honest enough to compute a true margin
Margin leakage needs freight, returns, rework and absorbed overhead. If your costing is a standard nobody has revisited, the leakage numbers are only as good as the cost behind them, which is the work of costAbsorb.
An accountant’s scepticism is a feature, not an obstacle.
Finance people are trained to distrust a number they cannot trace. This domain is designed to satisfy that instinct rather than to overcome it.
Nothing posts. Ever.
Not a journal entry, not a payment, not a credit note. Every agent output is a draft with a named person on the posting, so the auditor’s question, “who posted this, and on what basis?”, always has a name in the answer. This is a design constraint, not a setting.
ADKAR®: Awareness · DesireAwareness · Desire
Every number can be traced
A predicted payment date shows the invoices that produced it. A credit recommendation shows the behaviour behind it. If a number cannot be explained to an auditor, it does not go on a screen.
ADKAR®: KnowledgeKnowledge
The forecast is scored in public
Cash-forecast accuracy is shown against what actually arrived. If the model is not beating the finance manager’s own estimate, they can see it and say so.
ADKAR®: Ability · ReinforcementAbility · Reinforcement
Strategic Finance is one of six. It is where the other five show up as money.
The stock Smart Inventory frees, the picker-hours the warehouse saves, the scrap Intelligent Production prevents, the price Sales Intelligence defends and the freight and minimum-order charges Agentic Procurement recovers all arrive here, or they never really happened. The payment prediction is shared with Sales Intelligence and the invoice extraction with Agentic Procurement.
- Domain 01Sales Intelligence Arrives here asThe price it defends
- Domain 02Agentic Procurement Arrives here asThe freight and minimum-order charges it recovers
- Domain 03Smart Inventory Arrives here asThe stock it frees
- Domain 04Intelligent Production Arrives here asThe scrap it prevents and the variances it explains
- Domain 05Hyper-efficient Warehouse Arrives here asThe picker-hours and cartons it saves
aiEnable stands on the other ViSA services. If the process has not been drawn, that is procEnact; if the Boyum Solutions are not deployed, toolDeploy; and if you do not yet know what the gap costs you, gapScan.
misBoost
A management layer for SAP Business One
235 boosters in ten domains. The packs build themselves from your SAP Business One data and arrive on their own, so nobody prepares or sends them. They can start on any SAP Business One plant from week one.
proBoost
BPAS Custom Libraries for SAP Business One
The second ViSA line alongside the seven services: pre-built libraries that configure straight into SAP Business One, one tuned to each set-up. You choose the boosters your plant needs.
- 313proBoostSAP Business One
- 409mfgBoostSAP Business One + Beas
- 409wmsBoostSAP Business One + Produmex
- 529scmBoostSAP Business One + Beas + Produmex
The readiness gate, on your ledger. Before anyone predicts anything.
You get to know which of the 20 services your ledger can support today.
In a BPAS gap review you get a short list of what is costing your plant dates and money today, and the order to fix it in.
Fix the process. Then feed the model.
Not ready to talk yet? See what’s real today.
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Webinar · Session 11 · For owners, CXOs and plant headsThird Thursday of every month
AI for SMEs: what’s real today
smartStep webinars · Session 11
The session on smartStep step 08, Predict, the step aiEnable delivers. It stands on its own, like every session in the series.
- Format
- 40 minutes: a 30-minute session and 10 minutes of live Q&A · free, online
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Newsletter · For your power users
For the internal champions and power users
One SAP Business One practice, one Boyum practice, a ten-minute quick win and stories from factories like yours, for the people who keep the system healthy.
- How often
- Third Wednesday of every month
- Format
- Practices you can apply in ten minutes
No ERP yet? Start with MEIS
For SME manufacturers putting in their first ERP, MEIS implements SAP Business One.
Live in weeks, not months.
Visit meis.in ↗ (opens in a new tab)- Still on spreadsheetsNo ERP yet
- MEIS implements SAP Business OneYour manufacturing ERP, live
- Add the Boyum Solutions
- Beas Manufacturing
- B1UP
- B1 Print & Delivery
- Produmex WMS
- Produmex Scan
- Perfion PIM
- Choose your ViSA servicesSeven services, from gapScan to aiEnable
ViSA implements, customises and supports the Boyum Solutions on top of your SAP Business One, with SAP Business One certified consultants doing the work.
aiEnable is one of seven. Here are the other six.
Each service is a complete engagement on its own, so you can choose the ones your plant needs. Taken in order, the seven cover a manufacturing operation from the maturity check to AI on your own plant data, and that is the route we advise.