User Manual

Recent Improvements & Enhancements

We've made significant improvements to make WAZOBIA-Books more secure, reliable, and user-friendly:

First Login

1. Access the application at your deployed URL or http://localhost:3000
2. Click "Login"
3. Enter your email and password
4. You'll be redirected to the dashboard

User Registration

Creating a new account is simple:

1. Click "Register" or "Create Account"
2. Enter your details:
   • First Name and Last Name
   • Email Address (used for login)
   • Password (minimum 8 characters)
   • Business Name (optional - creates your business automatically)
   • Phone Number (optional)
3. Click "Create Account"
4. You'll be automatically logged in

Multi-Business Support

WAZOBIA-Books now supports managing multiple businesses from a single account, similar to QuickBooks. This feature allows you to:

• Own and manage multiple businesses
• Switch between businesses seamlessly
• Keep data completely isolated per business
• Access all businesses from one login

Creating Your First Business

During registration, you'll be asked to provide:

• Business Name (required) - Your company or business name
• Business Type (required) - Select from: Sole Proprietorship, Partnership, Limited Liability Company (LLC), Corporation, or Other
• Business Size (required) - Select from: Micro, Small, Medium, or Large

Your first business is automatically set as your Primary Business and you become the Owner.

Switching Between Businesses

To switch between your businesses:

1. Look for the Business Selector in the sidebar (top section)
2. Click on the current business name
3. Select the business you want to switch to from the dropdown
4. The system will automatically switch and reload data for the selected business

Creating Additional Businesses

To create a new business:

1. Click on the Business Selector in the sidebar
2. Click "Create New Business" or "+ Add Business"
3. Fill in the business details:
   • Business Name
   • Business Type
   • Business Size
   • Other optional details (TIN, VAT Number, Address, etc.)
4. Click "Create Business"
5. You'll automatically become the Owner of the new business
6. The system will switch to your new business automatically

Business Roles

When you create a business, you automatically become the Owner. As an owner, you can:

• Manage all aspects of the business
• Invite other users to the business
• Assign roles (Accountant, Staff, Viewer)
• Configure business settings
• Access all reports and data

Best Practices

• Use descriptive business names - Make it easy to identify which business you're working in
• Complete business profiles - Fill in TIN, VAT Number, and address for proper tax compliance
• Verify current business - Always check the business selector before creating invoices or expenses
• Separate personal and business - Use different businesses for different entities to maintain proper accounting separation

Initial Setup

Before using the system, you need to configure:

• Business Profile - Your company details
• Chart of Accounts - Use the built-in template
• Tax Settings - VAT, WHT rates
• User Accounts - Team member access

System Configuration

Configure your system settings through the admin panel:

Managing Customers

To create a new customer:

1. Go to Customers from the sidebar
2. Click "Add Customer"
3. Select Customer Type: Business, Individual, or Government
4. Enter customer details:
   • Name (required) - Contact name or full name
   • Company Name - For business customers
   • Email - For sending invoices
   • Phone - Contact number
   • TIN - Tax ID Number (important for WHT)
   • Address, City, State - Location details
   • Credit Limit - Maximum outstanding balance (₦)
   • Payment Terms - Days until payment due (default 30)
5. Click "Add Customer"

Creating Invoices

To create a professional invoice:

1. Go to Invoices from the sidebar
2. Click "Create Invoice"
3. Select a Customer from the dropdown
4. Set Issue Date and Due Date
5. Optionally enter a custom Invoice Number (auto-generated if left blank)
6. Add Invoice Items by clicking "Add Item":
   • Description - What you're billing for
   • Quantity - Number of units
   • Unit Price - Price per unit (₦)
   • Taxable - Check to apply VAT
7. Review the calculated totals
8. Click "Create Invoice"

Invoice Status

VAT Calculation

VAT is automatically calculated at 7.5% on taxable items:

• Default VAT rate: 7.5%
• Applied only to items marked as "Taxable"
• VAT amount shown separately on invoice
• Total = Subtotal + VAT

Withholding Tax (WHT)

WHT can be applied to invoices when the customer withholds tax:

• Check "Apply WHT" on the invoice
• Default rate: 5% (can be customized per customer)
• WHT is deducted from total amount
• Net Amount = Total - WHT

Recording Payments

1. Go to the invoice detail page
2. Scroll to "Payments" section
3. Click "Add Payment"
4. Enter:
   • Payment Amount
   • Payment Date
   • Payment Method (Cash, Bank Transfer, Cheque, etc.)
5. Save - balance updates automatically

Recurring Invoices

Set up automatic invoice generation for regular billing:

1. Go to Invoicing → Recurring Invoices
2. Create recurring invoice template
3. Set frequency (Daily, Weekly, Monthly, Quarterly, Annually)
4. Define start date and end date (optional)
5. System automatically generates invoices on schedule

Managing Vendors

1. Go to Expenses → Vendors → Add Vendor
2. Enter vendor details:
   • Name, Email, Phone
   • TIN (Tax Identification Number) - Important for WHT compliance
   • Address
3. Save

Expense Categories

1. Go to Expenses → Expense Categories
2. Create categories like:
   • Office Supplies
   • Travel & Entertainment
   • Professional Fees
   • Utilities
   • Marketing
3. Mark as Tax Deductible if applicable

Recording Expenses

1. Go to Expenses → Expenses → Add Expense
2. Select: Vendor, Category, Business
3. Enter: Description, Amount, Date, Payment Method
4. Mark as Tax Deductible if applicable
5. Save

Recurring Expenses

For expenses that repeat (rent, subscriptions, etc.):

1. Go to Expenses → Recurring Expenses
2. Set up: Description, Amount, Frequency, Start Date
3. System auto-generates expenses on schedule

Bills Overview

Bills (Accounts Payable) allow you to track vendor invoices and manage payments to suppliers. This is the counterpart to customer invoices (Accounts Receivable).

Key Features:

• Create bills from vendor invoices
• Convert Purchase Orders to Bills automatically
• Approval workflow for bill processing
• Record payments against bills
• Track outstanding payables
• AP Aging reports
• Automatic GL postings
• Inventory updates when bills are paid

Creating Bills

To create a new bill:

1. Go to Bills from the sidebar
2. Click "New Bill"
3. Select a Vendor from the dropdown
4. Enter Vendor Invoice Number (from vendor's invoice)
5. Set Bill Date and Due Date
6. Optionally select a Purchase Order to convert
7. Add Bill Items:
   • Description - What you're being billed for
   • Quantity - Number of units
   • Unit Price - Price per unit
   • Taxable - Check to apply VAT
8. Set VAT Rate (default 7.5%)
9. Optionally enable Withholding Tax (WHT)
10. Review calculated totals
11. Click "Create Bill"

Bill Status

Approving Bills

Bills must be approved before payments can be recorded. When approved:

• Bill status changes to "Approved"
• GL entry is automatically posted:
  • Debit: Expense/Inventory account
  • Credit: Accounts Payable
  • Debit: VAT Receivable (if VAT applies)
  • Credit: WHT Payable (if WHT applies)
• Bill becomes available for payment

To Approve a Bill:

1. Go to the bill detail page
2. Click "Approve Bill" button
3. Confirm approval
4. GL entry is posted automatically

Recording Bill Payments

To record a payment against an approved bill:

1. Go to the bill detail page (or click payment icon in bills list)
2. Click "Record Payment"
3. Enter payment details:
   • Amount - Payment amount (cannot exceed balance due)
   • Payment Date - Date payment was made
   • Payment Method - Cash, Bank Transfer, Card, Cheque, Mobile Money, POS
   • Reference - Transaction reference number
   • Notes - Additional notes
4. Click "Record Payment"

What Happens When Payment is Recorded:

• Payment is saved
• Bill status updates: Approved → Partial → Paid
• GL entry is posted:
  • Debit: Accounts Payable
  • Credit: Cash/Bank account
  • Debit: WHT Payable (if WHT was paid)
• If bill items have products, inventory is increased (purchase)
• Stock movement record is created

AP Aging Report

The AP Aging Report shows outstanding payables grouped by how long they've been outstanding:

1. Go to Bills page
2. Click "AP Aging" button
3. View bills grouped by age buckets:
   • 0-30 Days - Current payables
   • 31-60 Days - Slightly overdue
   • 61-90 Days - Overdue
   • Over 90 Days - Significantly overdue
4. See total amounts per bucket
5. Identify which bills need attention

Convert Purchase Order to Bill

When you receive goods from a Purchase Order, convert it to a Bill:

1. Go to Inventory → Purchase Orders
2. Find the received Purchase Order
3. Go to Bills page
4. Click "New Bill"
5. Select the Purchase Order from the dropdown
6. Click "Convert Purchase Order" button
7. System automatically:
   • Creates bill with vendor from PO
   • Copies all items and quantities
   • Sets bill date to PO received date
   • Links bill to the Purchase Order
8. Review and adjust if needed
9. Save the bill

Adding Employees

1. Go to Payroll → Employees → Add Employee
2. Enter personal details:
   • First Name, Last Name
   • Email, Phone
   • Employee ID
3. Employment details:
   • Job Title, Department
   • Employment Type (Full-time, Part-time, Contract)
   • Hire Date
4. Salary information:
   • Basic Salary
   • Allowances (if any)
5. Save

Payroll Periods

1. Go to Payroll → Payroll Periods → Add Payroll Period
2. Enter:
   • Period Name (e.g., "January 2026")
   • Start Date
   • End Date
   • Pay Date
3. Save

PAYE Calculation

The system automatically calculates PAYE based on Nigerian tax bands:

Pension & NHF

Automatic statutory deductions:

• Pension (Employee): 8% of basic salary
• Pension (Employer): 10% of basic salary
• NHF: 2.5% of basic salary

Net Salary Formula:

Net = Gross - PAYE - Pension (8%) - NHF (2.5%) - Other Deductions

Generating Payslips

1. Go to the Payroll Period
2. System automatically generates payslips for all active employees
3. Review each payslip
4. Mark as "Paid" when payment is made
5. Export or print payslips

Adding Products

1. Go to Inventory → Products → Add Product
2. Enter:
   • Name, SKU, Barcode
   • Description
   • Product Type (Product, Service, Digital)
   • Category
3. Pricing: Cost Price, Selling Price
4. Inventory settings:
   • Track Inventory: Yes/No
   • Quantity on Hand
   • Reorder Level
   • Reorder Quantity
5. Tax: Mark as Taxable for VAT
6. Save

Stock Movements

1. Go to Inventory → Stock Movements → Add Stock Movement
2. Select Product
3. Choose Movement Type:
   • Purchase: Stock coming in
   • Sale: Stock going out
   • Adjustment: Manual adjustment
   • Transfer: Between locations
4. Enter Quantity
5. System automatically updates stock levels

Purchase Orders

1. Go to Inventory → Purchase Orders → Add Purchase Order
2. Select Vendor
3. Add items: Product, Quantity, Unit Price
4. System calculates total
5. Set status: Draft, Sent, Received, Cancelled

Costing Methods

WAZOBIA-Books supports two costing methods:

FIFO (First In, First Out)

• Oldest stock sold first
• Cost based on purchase order dates
• Better for perishable goods

Average Cost (AVG)

• Average of all purchases
• Cost = Total Cost / Total Quantity
• Simpler to manage

Bank Accounts Setup

1. Go to Accounts → Bank Accounts → Add Bank Account
2. Enter:
   • Bank Name
   • Account Name
   • Account Number
   • Account Type (Current, Savings)
   • Opening Balance
   • Linked GL Account Code
3. Save

Importing Bank Statements

1. Go to Ledger → Bank Statements
2. Click "Import Statement"
3. Upload CSV/Excel file with format:
   • Date
   • Description
   • Amount (Debit/Credit)
   • Reference
4. System imports and creates statement lines

Auto-Matching (Intelligent Reconciliation)

WAZOBIA-Books uses intelligent matching to reconcile transactions:

• Exact matches: Same amount and date (100% confidence)
• Fuzzy matching: Similar descriptions using AI (shows confidence score)
• Amount matching: Matches by amount when dates differ
• Split matches: One transaction matching multiple lines
• Transfer detection: Bank-to-bank transfers

Match Confidence Levels

Manual Reconciliation

1. Go to Bank Account
2. View unmatched statement lines
3. Manually match to transactions:
   • Invoices (receipts)
   • Expenses (payments)
   • Journal entries
4. Mark as reconciled

Profit & Loss Report

1. Go to Reports → Profit & Loss
2. Select: Date Range, Business
3. View:
   • Revenue (Income)
   • Cost of Goods Sold
   • Gross Profit
   • Operating Expenses
   • Net Profit

Balance Sheet

1. Go to Reports → Balance Sheet
2. Select date
3. View:
   • Assets
   • Liabilities
   • Equity
   • Total Assets = Liabilities + Equity

Cash Flow Statement

1. Go to Reports → Cash Flow
2. Select period
3. View:
   • Operating Activities
   • Investing Activities
   • Financing Activities
   • Net Cash Flow

VAT Return

1. Go to Reports → VAT Return
2. Select period
3. View:
   • Output VAT (on sales)
   • Input VAT (on purchases)
   • VAT Payable/Receivable
   • Export for FIRS filing

PDF Export

Export any financial report as a professional PDF document:

1. Go to Reports page
2. Select the report type (Profit & Loss, Balance Sheet, Cash Flow)
3. Select your date range
4. Click "Export PDF" button
5. PDF file downloads automatically

Available PDF Reports:

• Profit & Loss Statement
• Balance Sheet
• Cash Flow Statement
• VAT Return Report
• Tax Summary Report

Period Comparison

Compare current period performance with the previous period:

1. Go to Reports page
2. Select report type (Profit & Loss, Balance Sheet, or Cash Flow)
3. Select your date range
4. Enable "Compare Periods" toggle
5. View comparison data:
   • Current Period - Your selected period
   • Previous Period - Same length period before
   • Variance - Difference between periods
   • Percentage Change - % increase or decrease

Comparison Metrics

For Profit & Loss reports, you can compare:

• Revenue - Current vs previous period
• Expenses - Current vs previous period
• Gross Profit - Current vs previous period
• Net VAT Position - Current vs previous period
• Profit Margin - Current vs previous period

Use Cases:

• Month-over-month performance analysis
• Quarter-over-quarter comparisons
• Year-over-year growth tracking
• Identifying trends and patterns
• Budget vs actual analysis

VAT on Sales:

• Automatically calculated on invoices
• Rate: 7.5% (default)
• Can be customized per invoice

VAT on Purchases:

• Recorded on expenses
• Input VAT can be claimed
• Net VAT = Output VAT - Input VAT

Withholding Tax Rates:

• Automatically calculated in payroll
• Based on Nigerian tax bands
• Remitted monthly to FIRS

1. Go to Tax Compliance → Tax Filings
2. Create filing for: VAT Return, WHT Return, PAYE Return
3. Enter period and amounts
4. Track status and due dates

Chart of Accounts

Using Templates:

python setup_chart_of_accounts.py

This creates 70+ standard GAAP/IFRS accounts.

Account Types:

• Assets (1000-1999): Cash, Bank, Inventory, etc.
• Liabilities (2000-2999): Accounts Payable, Loans, etc.
• Equity (3000-3999): Capital, Retained Earnings
• Income (4000-4999): Sales, Service Revenue
• Expenses (5000-5999): COGS, Operating Expenses

Journal Entries

1. Go to Ledger → Journal Entries → Add Journal Entry
2. Enter: Date, Memo/Description, Currency (default: NGN)
3. Add Journal Lines:
   • Account
   • Debit Amount
   • Credit Amount
4. System ensures debits = credits
5. Save

Trial Balance

1. Go to Ledger → Trial Balance
2. Select date
3. View:
   • All accounts
   • Debit balances
   • Credit balances
   • Total debits = Total credits

Closing Entries

Closing entries transfer revenue and expense account balances to Retained Earnings at the end of an accounting period.

How Closing Entries Work

The closing process happens in three steps:

1. Close Revenue Accounts:
   • All revenue accounts are debited
   • Income Summary is credited
   • Revenue accounts now have zero balances
2. Close Expense Accounts:
   • All expense accounts are credited
   • Income Summary is debited
   • Expense accounts now have zero balances
3. Close Income Summary:
   • Income Summary balance is transferred to Retained Earnings
   • If net income: Debit Income Summary, Credit Retained Earnings
   • If net loss: Credit Income Summary, Debit Retained Earnings

To Close a Period:

1. Go to Accounting from the sidebar
2. Click on the "Closing Entries" tab
3. Enter the Period End Date (last day of the period you want to close)
4. Review the period you're closing
5. Click "Close Period" button
6. System automatically:
   • Creates closing entries for all revenue accounts
   • Creates closing entries for all expense accounts
   • Transfers net income/loss to Retained Earnings
   • Posts all entries to the General Ledger
7. You'll see a success message when complete

Reversing Closing Entries

If you need to reverse closing entries (e.g., to make corrections):

1. Go to Accounting → Closing Entries tab
2. Enter the Period End Date of the period you want to reverse
3. Click "Reverse Closing" button
4. Confirm the reversal
5. System creates reversing entries

Best Practices

• Close periods consistently (monthly, quarterly, or annually)
• Review Trial Balance before closing
• Ensure all transactions are recorded
• Create a backup before closing
• Review financial statements after closing
• Lock the period after closing to prevent changes

Period Locks

Lock accounting periods to prevent changes:

1. Go to Ledger → Fiscal Periods
2. Create period
3. Lock when closed
4. Prevents editing transactions in locked periods

Cloud Access Overview

WAZOBIA-Books provides comprehensive cloud backup and data access options to protect your business data. You can connect to multiple cloud storage providers and access your backups from anywhere:

What gets backed up:

• Business profile and settings
• All customers and vendors
• Invoices and payments
• Expenses and categories
• Employee and payroll data
• Inventory and products
• Journal entries and ledger accounts
• Tax filings and compliance records
• User accounts and permissions
• System configurations

Connect Google Drive

Connect your Google Drive account to enable automatic backups to your personal or business Google Drive:

1. Go to Settings → Backup & Export
2. Select "Google Drive" from the cloud service options
3. Click "Connect Google Drive" button
4. You'll be redirected to Google's authentication page
5. Sign in with your Google account
6. Grant permissions for WAZOBIA-Books to access your Drive
7. You'll be redirected back to the settings page
8. You should see "Connected" status with your Google email address

Disconnect Google Drive

To disconnect your Google Drive:

1. Go to Settings → Backup & Export
2. Click "Disconnect" next to Google Drive
3. Confirm the disconnection
4. Your existing backups remain in your Google Drive

Connect OneDrive

Connect your Microsoft OneDrive account for business-grade backup storage:

1. Go to Settings → Backup & Export
2. Select "OneDrive" from the cloud service options
3. Click "Connect OneDrive" button
4. You'll be redirected to Microsoft's authentication page
5. Sign in with your Microsoft account (personal or business)
6. Grant permissions for WAZOBIA-Books to access your OneDrive
7. You'll be redirected back to the settings page
8. You should see "Connected" status with your Microsoft email address

Disconnect OneDrive

To disconnect your OneDrive:

1. Go to Settings → Backup & Export
2. Click "Disconnect" next to OneDrive
3. Confirm the disconnection
4. Your existing backups remain in your OneDrive

Connect Azure Blob Storage

For enterprise users, connect Azure Blob Storage for advanced backup management:

1. Create an Azure Storage Account in the Azure Portal
2. Create a Blob Container (e.g., wazobia-backups)
3. Generate a SAS (Shared Access Signature) token with:
   • Read permission
   • Write permission
   • List permission
   • Delete permission (optional, for cleanup)
4. Set the expiration date (recommended: 1 year, then rotate)
5. Go to Settings → Backup & Export in WAZOBIA-Books
6. Select "Azure Blob Storage"
7. Enter your Azure Storage details:
   • Storage Account Name
   • Container Name
   • SAS Token
8. Click "Connect"
9. Verify the connection status

Manual Backup

Create a backup anytime you want to any of your connected cloud services:

1. Go to Settings → Backup & Export
2. Ensure at least one cloud service is connected (Google Drive, OneDrive, or Azure)
3. Select the cloud service you want to backup to
4. Click "Backup Now" button
5. Wait for the backup to complete (usually takes 10-30 seconds)
6. You'll see a success message with the backup name and location
7. The backup will appear in your cloud storage immediately

Backup File Naming:

• backup_YYYYMMDD_HHMMSS.json.gz - Timestamped backup files
• Files are compressed to save storage space
• Each backup is a complete snapshot of your business data

Automatic Backups

Enable automatic scheduled backups for worry-free data protection:

1. Go to Settings → Backup & Export
2. Ensure at least one cloud service is connected
3. Find the "Automatic Backups" toggle
4. Switch it to ON
5. Select backup frequency:
   • Daily - Every day at a set time (recommended)
   • Weekly - Once per week
   • Monthly - Once per month
6. Select which cloud services to backup to (can select multiple)
7. Set backup retention (how many backups to keep)
8. Save your settings

Auto-backup features:

• Runs automatically on your configured schedule
• Creates compressed exports for each business
• Backs up to all selected cloud services simultaneously
• Email notifications on success or failure
• Automatic retry on failure with exponential backoff
• Retention cleanup removes old backups automatically
• No manual intervention required

Backup Retention

Configure how many backups to keep:

• Keep All - Never delete backups (uses more storage)
• Keep Last 30 Days - Delete backups older than 30 days
• Keep Last 90 Days - Delete backups older than 90 days
• Keep Last 1 Year - Delete backups older than 1 year
• Custom - Set your own retention period

View & Download Backups

Access your backup history from any connected cloud service:

1. Go to Settings → Backup & Export
2. Select the cloud service you want to view backups for
3. Scroll to "Backup History" section
4. View list of all backups with:
   • Backup date and time
   • File size
   • Status (success/failed)
   • Business name (if multiple businesses)
5. Click on any backup to:
   • Download: Get the backup file directly
   • View Details: See backup metadata and contents summary
   • Open in Cloud: Open the backup in your cloud storage
   • Delete: Remove old backups (if retention allows)

Access Backups Directly in Cloud Storage

Cloud Features & Benefits

Export Data

Export your data for use in spreadsheets (Excel, Google Sheets):

1. Go to Settings → Backup & Export
2. Click "Export Data"
3. Select what to export:
   • All Data
   • Invoices Only
   • Expenses Only
   • Payroll Only
   • Custom Selection
4. Choose format: JSON or CSV
5. Click "Download"

Common uses for exported data:

• Create custom reports in Excel
• Share data with your accountant
• Import into other software
• Audit and compliance purposes
• Data analysis and visualization

User Roles

WAZOBIA-Books has different access levels based on user roles:

Two-Factor Authentication (2FA)

Enable 2FA for an extra layer of security:

1. Go to Settings → Security
2. Click "Enable 2FA"
3. Scan the QR code with an authenticator app:
   • Google Authenticator
   • Microsoft Authenticator
   • Authy
4. Enter the 6-digit code from your app
5. Save your backup codes securely

Password Security

Password requirements:

• Minimum 8 characters
• Mix of letters, numbers, and symbols recommended
• Passwords are encrypted and never stored in plain text

Resetting Your Password

1. Click "Forgot Password?" on login page
2. Enter your email address
3. Check your email for reset link
4. Create a new password

Session Management

Your login sessions are managed securely:

• Sessions use secure HTTP-only cookies
• JWT tokens expire and refresh automatically
• Click "Logout" to end your session
• Sessions expire after 24 hours of inactivity

AI Overview

WAZOBIA-Books includes powerful AI-powered features to automate tasks, detect issues, and provide insights:

Access AI features by clicking "AI Insights" in the sidebar navigation.

Smart Transaction Categorization

AI automatically categorizes transactions based on descriptions and patterns:

1. Go to AI Insights from the sidebar
2. Click "Auto-Categorize" in Quick Actions
3. AI analyzes uncategorized transactions
4. Review suggested categories with confidence scores
5. Approve or reject suggestions

Payment Predictions

AI predicts when customers will pay invoices based on historical patterns:

1. Go to AI Insights → Payment Predictions
2. Click "Generate Predictions"
3. View predictions for all outstanding invoices
4. See:
   • Predicted Payment Date - When payment is expected
   • Days Until Payment - Expected wait time
   • Risk Score - Low, Medium, or High risk
   • Confidence - AI's confidence in prediction

Risk Levels

Invoice Fraud Detection

AI scans invoices for potential fraud indicators:

1. Go to AI Insights → Fraud Detection
2. Click "Scan for Fraud"
3. AI analyzes all invoices for:
   • Duplicate Invoices - Same amount and vendor
   • Unusual Amounts - Significantly higher than average
   • Suspicious Vendors - New vendors with large amounts
   • Timing Anomalies - Invoices at unusual times
4. Review flagged invoices
5. Mark as legitimate or investigate further

AI-Generated Reports

Generate human-readable financial narratives:

1. Go to AI Insights → AI Reports
2. Click "Generate AI Report"
3. Select report type:
   • Executive Summary - High-level business overview
   • Financial Health - Detailed financial analysis
   • Cash Position - Liquidity and cash flow analysis
   • Performance - Revenue and profitability trends
4. Choose language: English or Nigerian Pidgin
5. Download or share the report

Cash Flow Forecasting

Predict future cash positions based on historical data:

1. Go to AI Insights
2. View the Cash Flow Forecast chart
3. See predictions for:
   • Expected cash inflows (from receivables)
   • Expected cash outflows (from payables)
   • Net cash position projections
   • Seasonal patterns and trends
4. Hover over chart points for details

Anomaly Detection

AI monitors transactions for unusual patterns:

1. Go to AI Insights
2. Click "Scan for Anomalies"
3. AI flags transactions that are:
   • Significantly larger or smaller than usual
   • From unusual vendors or customers
   • At unusual times (weekend, holiday, late night)
   • In unusual categories for the vendor
4. Review flagged items in the Anomalies list
5. Mark as reviewed to dismiss false positives

AI Configuration

Customize AI behavior in Settings:

1. Go to AI Insights
2. Scroll to AI Settings section
3. Configure:
   • Confidence Threshold - Minimum confidence for auto-actions (default 70%)
   • Enable Auto-Categorization - Automatically categorize new transactions
   • Enable Fraud Alerts - Get notified of suspicious invoices
   • Enable Anomaly Alerts - Get notified of unusual transactions

Confidence Threshold Guide