Changing YOUR nancial future is now just an APP away! ow.net/

Transcription

1 ow.net/ Changing YOUR nancial future is now just an APP away! ow.net/

2 The Cash ow Optimiser (CFO) Changing YOUR nancial future is now just an APP download away Disruptive innovation brings change to the world's nancial understanding and future planning. RISKFLOW has created a low cost disruptive innovation that will now give everyone access to nancial literacy at the click of a DOWNLOAD. RISKFLOW addresses one of the core issues for individuals and business globally managing your nances! RISKFLOW brings, global nancial industry expertise, calculations, key learnings and future projections to anyone who has a handheld device and has access to the internet. RISKFLOW makes nancial theory real by allowing you to have fun, play and make mistakes and see the real-time consequences instantaneously before you commit to any actual nancial decisions. RISKFLOW does not sell nancial products or represent any speci c institution. BUT can white label their applications for any company/business that wants to make a di erence to the consumers they serve.

3 Addressing a need Failing to plan, is planning to fail - Planning can of course refer to just about any aspect of life, but what the RISKFLOW CFO APP addresses in particular is nancial planning in real time so you can manage tomorrow s cash ow today and become more nancially literate as you explore the APP. RISKFLOW s market di erentiator has always been the ability to see the impact of nancial decisions taken today on tomorrow s results, thus enabling a business / individual / institution to manage their nancial future today. How the RISKFLOW CFO APP can bene t you As we all make nancial decisions on a daily basis downloading and using the RISKFLOW CFO APP will assist in your on-going learning and understanding and then implementation of nancial decisions rstly in a play scenario environment before implementing that decision and the e ects thereof. The APP is designed for anyone, on any level!

4 Business nancial planning Whether you want to launch a new business/division or expand an existing one; close down or restructure a business unit; or launch a marketing campaign; the consequences always are of a nancial nature and impacts on the nancial performance of your business. Plan and play today to see the impact on tomorrow Individual nancial planning As an individual how a ordable is buying that new car or house, how should you plan for unexpected expenses, a holiday, investments or retirement? Plan and play today to see the impact on tomorrow What can you do with CFO? Allows you to have fun and play with any number of nancial options before you actually commit to a decision It simulates the future nancial implications of each option, you can clearly assess its impact on your future well-being in real-time Assists you to improve the quality of your nancial decision making It SIMPLISTICALLY illustrates various nancial concepts and increases your nancial intelligence

5 The option to choose BUSINESS Cash Flow Optimiser for Businesses - CFO4b The app assists you with everything from daily nancial decision-making, to calculating the value of your business. You can choose the valuation method that best suits your business. It gives you nancial ratios at your ngertips. INDIVIDUALS Cash Flow Optimiser CFO4i This APP assists individuals with everything from day-to-day nancial decision-making to ultimately determining the value needed to retire independently and shows you how to put a strategy in place to reach this goal. In both versions, the app works as follows: It creates what-if scenarios to show you, today, the increase/decrease on tomorrow s cash ow and therefore your wealth The apps built-in intelligence allows you to change forecasting parameters such as interest rates, growth parameters, terms of loan, age analysis, depreciations and more where applicable. Another example of the nancial intelligence embedded in CFO, is that it shows the combined impact of any nancial action you take on your: Balance Sheet Income Statement Cash Flow Statement

6 Let s explore To illustrate this with an example, let s say John purchases a new vehicle. The vehicle appears on the balance sheet as an asset; the loan appears as a debt. The payment goes through the cash ow statement. The capital portion of the payment reduces the debt while the interest portion appears on the income statement as an expense. CFO displays these entries in an all-in-one action. What CFO is not CFO does not read your bank statements and it is not an accounting package. Accounting packages record what has already happened in the past and have static budgets. Accounting packages require a certain level of nancial knowledge before they can be used. The CFO App on the other hand does not require any prior nancial knowledge to be used. Unique features of CFO CFO can be used most e ectively in a teaching environment to illustrate nancial concepts. All your data is stored in the cloud and is accessible anytime, anywhere, via your mobile, tablet, i-pad or any other device linked to the Internet It allows you to share your pro le with others (e.g. broker, banker, business partner) It is intuitive and easy to use with a quick start facility At the same time, its functionality is sophisticated, catering for a myriad of investments and debt products It automatically provides you with a 5-year forecast, editable per month Results can be downloaded into Excel It is more than a budgeting tool; it is an integrated simulator with high levels of built-in intelligence showing you the combined impact of any nancial action you take Quite simply, no other such cash ow multiplier tool is available in the cloud at present.

7 The Journey RISKFLOW was founded in 1988 as a consulting company - focusing on the management (optimisation) of the assets and liabilities of large nancial institutions. To support this e ort we created software applications that allowed the user to quantify and evaluate the impact of external market forces on the decisions made on a daily basis. A myriad of interdependencies must be calculated in order to determine the impact of those decisions on the nancial position of the institution. The initial simulators were mainframe applications and it took nearly 12 hours to come up with an answer. Current technology makes it possible today to do these same calculations in less than a minute! The question arose: if we can do that for nancial institutions, can we do the same for SMEs and individuals? The obvious response was yes, but the costs for these types of applications and the hardware power required to do the calculations seemed to be out of reach for the average SME or individual. Our challenge was whether we could do it, device independent, and make it available on mobile phones, tablets, laptops etc. We had an incredible journey with a few technical challenges which we managed to solve with a measure of brilliance and a dose of good luck. Our initial prototyping used various tools such as Microsoft s Excel enriched with Visual Basic code. For our existing systems we used APL+ provided by APL2000. We were then introduced to Dyalog APL. The Technical Director, Morten Kromberg was involved in the training of APL developers and we knew that we could rely on support of the highest level from a supplier who took a real and personal interest in what we were doing. The approach was a cross-platform development: The Front-end is developed using HTML5 (with PHP, JavaScript and CSS), the data server uses C# with a MS SQL database. The heart of the application the nancial calculation engine that produces an integrated view of future cash ows, income and net asset value was developed in Dyalog APL.

8 Security The app.risk ow.net website is fully encrypted to protect user privacy. The encryption algorithms are provided and guaranteed by reputable organisations, namely GeoTrust and Comodo To get more information to verify the legitimacy 1. Simply visit the website via your browser ow.net/ 2. Click on the little green lock near the web address (this may di er from browser to browser) 3. The validation will be shown and there will be more information available as required. Business Model We follow a recurring annuity model. We sell all our software for a recurring fee. Regarding our App we refer to it as a subscription fee and depending on the size of the deal it can be either a monthly or annual fee. Services are charged separately and are payable on a monthly basis. The business model for our APP is to provide a white-labelled application to a number of customers, each with a large user base. The cost to individual users will therefore be inconsequential. The systems reside in the cloud with the advantage of maintaining a single application which is accessible via various devices. The addition of new users will have minimal impact on the applications, although major volumes may require more server and storage capacity. Cloud computing will naturally lead to making our applications available internationally ensuring rapid growth and the embracing of many-ness. Subscription fees for the APP are expressed as monthly costs per user:

9 The RISKFLOW CFO APP addresses one of the core issues for SMEs, not only in SA but globally dealing with nancial issues, particularly being able to see the impact of nancial decisions taken today on tomorrow or, in reverse, enabling one to manage tomorrow today. Furthermore, nancial literacy or a lack thereof -is a burning problem the world over, and addressing this issue involves governments, learning institutions and many non-pro t organisations. RISKFLOW s focus is to concentrate on B2B marketing. The target market can be divided into the following categories which also apply to the International market: Learning institutions such as Universities, Colleges, and schools. All institutions and government agencies that provide nance, investments and support to individuals and SMEs. All institutions with a focus on strategic, nancial, money management and learning environments. Government initiatives such as Enterprise Development within Municipalities and NGOs. Manufacturers of mobile devices. Mobile network companies and other providers of mobile applications. Business networks Individuals, corporates and SMMEs. Playing Field

10 Compliance and privacy policy RISKFLOW is governed by the laws of the Republic of South Africa. The essence of the policy is that we protect your personal information and will only provide it to third parties under the following conditions: a) with your consent; b) where it is necessary to carry out your instructions; c) as reasonably necessary in order to provide our features and functionality to you; d) when we believe it is required by law, subpoena or other legal process; or e) as necessary to enforce or protect the rights, property or safety of RISKFLOW, our subscribers and the public. As a client you can close your account at any time if you object to the terms or no longer require the service we provide. We have implemented appropriate security safeguards designed to protect subscribers information in accordance with industry standards. To try out the app, register for your own pro le on ow.net or download from Google Play (for Android) or i-store (for Apple) at ow.net/download Contact: Consultant Contact Number Consultant Reference ow.net/?ref=