Skip to Content
BayWise PaymentsConceptsThe CFO Dashboard

The CFO Dashboard

The CFO Dashboard is the financial command centre for a workshop operation. It takes the raw data flowing through BayWise Payments — transactions, receivables, payables, payment links, processor settlements, recurring obligations — and distils it into panels that answer the questions a workshop owner or financial manager asks every day: Are we collecting on time? Where is money stuck? What is coming next? How has BayPay changed our financial performance?

The dashboard is not a replacement for an accountant. It is a real-time operational view that sits between the daily transaction flow and the monthly P&L, giving you the financial awareness to make decisions without waiting for end-of-month reports.

Three tabs, capability-gated

The dashboard is organised into three tabs. Access to each tab is controlled by role-based capabilities, so team members see only what is relevant to their responsibilities.

Overview is the base tab, available to all users who can access the dashboard. It provides a high-level snapshot of business health, operational metrics, forward-looking signals, and confirmed cashflow.

Finance & Receivables is available to Finance Managers, CFOs, and Account Owners. It focuses on money coming in — aging receivables, payment link performance, collection effectiveness, and revenue composition. This is where Sharma Motors in Mumbai tracks whether their 45-day average collection period is improving after adopting payment links.

Operations & Costs is available to Operations Managers, CFOs, and Account Owners. It focuses on money going out — aging payables, upcoming outflows, expense ratios, processor fees, and insurer risk exposure. This is where Al Futtaim Auto in Dubai monitors whether their parts procurement costs are tracking to budget.

Tab visibility is determined by the user’s role capabilities. An account owner or org admin sees all three tabs. A location manager may see Overview and Finance but not Operations, depending on how the account owner has configured role capabilities.

The verdict strip

At the top of the dashboard, a row of opinion chips provides an at-a-glance assessment across key financial dimensions. Each chip is coloured GOOD, WATCH, or CRITICAL based on thresholds derived from the underlying data.

The verdicts are computed server-side by aggregating transaction and entity data. They are not cosmetic labels — each verdict reflects a real calculation against the current period’s data. A WATCH verdict on receivables aging, for example, means that a measurable portion of outstanding receivables has crossed the threshold that historically correlates with collection difficulty.

The verdict strip is visible on all three tabs, providing consistent context regardless of which tab you are viewing.

Period selection

The AsOfMonthPicker at the top of the dashboard controls which period the panels display. You select a month and year, and all panels recalculate to show data as of the end of that month. This lets you review historical periods with the same dashboard layout you use for the current month.

The picker defaults to the current month. Selecting a past month loads historical data; selecting the current month includes live data that updates with each new transaction.

Overview tab

The Overview tab contains four panel groups:

Business Snapshot — top-line numbers for the selected period: total revenue, total expenses, net position, and transaction volume. These are the numbers a workshop owner glances at first thing in the morning.

Ops Health Strip — a compact row of operational indicators: average job value, jobs completed, bay utilisation revenue, and technician productivity measured in financial terms. This bridges the scheduler world and the payments world — connecting physical workshop output to the money it generates.

Forward Signals — upcoming financial events that require attention: large receivables approaching due dates, recurring obligations surfacing within the alert window, and projected cashflow gaps. This is the early-warning system. When Tanaka Auto Service in Osaka sees a Forward Signal flagging a cashflow gap next Thursday, they can act now — accelerating a collection, deferring a discretionary purchase, or drawing on a credit line.

Confirmed Cashflow — a condensed version of the cashflow calendar, showing the inflow/outflow shape of the current and next period. This panel draws from the same four-tier data model as the full Cashflow & Calendar screen but presents it as a summary chart rather than a navigable calendar.

Finance & Receivables tab

This tab contains seven panels, each focused on a dimension of incoming money:

AR Aging — outstanding receivables broken down by aging bucket (current, 30 days, 60 days, 90+ days). This is the single most important panel for collection management. A workshop with a growing 90+ day bucket has a collection problem that needs immediate attention.

Payment Link Funnel — conversion metrics for payment links sent to customers: links sent, opened, started, completed, and expired. This shows whether digital collection is working. Santos Body Works in Sao Paulo can see that 80% of links are opened but only 60% are completed, suggesting a friction point in the payment flow.

Location Leaderboard — for multi-location operations, a ranked comparison of collection performance across locations. Which location collects fastest? Which has the highest payment link conversion? This drives accountability and identifies best practices to replicate.

Method Mix — a breakdown of how customers are paying: cash, card, bank transfer, payment link. Trends in method mix reveal operational opportunities — a shift toward digital payments reduces cash-handling overhead and reconciliation effort.

Revenue Mix — revenue broken down by service category, customer segment, or entity type. This shows where the money comes from, not just how much arrives.

WIP Exposure — the total financial value of work currently in progress across all active jobs. This is money that has been committed in labour and parts but not yet invoiced. High WIP exposure relative to revenue is a cash-conversion risk.

Payments Impact — the before-and-after comparison panel. This shows how key financial metrics have changed since adopting BayWise Payments, measured against the baselines entered in settings. Days Sales Outstanding, collection rate, cost of capital, and manual processing time are tracked here.

Operations & Costs tab

This tab contains six panels focused on outgoing money and operational cost structure:

AP Aging — outstanding payables by aging bucket, mirroring the AR Aging panel structure. This shows how the workshop manages its own payment obligations to suppliers and service providers.

Upcoming Outflows — a forward calendar of expected outflows from recurring obligations, accepted supplier bills, and scheduled payments. This is the expenditure forecast.

Expense Ratio — operating expenses as a percentage of revenue, tracked over time. Muller Werkstatt in Berlin uses this to monitor whether their cost structure is stable or drifting as revenue grows.

PSP Fees — payment service provider fees broken down by processor, method, and volume tier. This quantifies the cost of accepting digital payments and helps evaluate whether processor terms are competitive.

Business Pulse — a composite operational health score combining transaction velocity, collection speed, expense control, and cashflow stability. This is an aggregate indicator, not a diagnostic tool — it tells you whether to investigate further, not what is wrong.

Insurer Risk Summary — for workshops that handle insurance work, a summary of insurer-related financial exposure: outstanding claims, average claim processing time, and insurer payment reliability. This helps identify which insurers are reliable partners and which consistently delay payment.

Intelligence Drawer

The Intelligence Drawer is an AI-powered advisory panel that slides out from the right side of the dashboard. It is available to Finance Managers and Account Owners with AI enabled.

The drawer provides a conversational interface where you can ask questions about the data visible on the dashboard. A question bank offers pre-built queries — “Why is my DSO increasing?”, “Which customers are most overdue?”, “What would happen if I shortened payment terms to 14 days?” — but you can also ask freeform questions.

The AI advisor’s responses are grounded in context. It draws from the verdict chips visible on the dashboard, the data behind the active panels, and the historical trends for the selected period. It does not hallucinate metrics — every number it cites is traceable to the underlying data.

The Intelligence Drawer provides analytical commentary, not financial advice. It can identify patterns, highlight anomalies, and suggest areas for investigation, but business decisions remain with the operator. Always verify significant findings against your accounting records.

Data architecture

All dashboard data comes from pre-computed, role-checked server-side queries. The dashboard never works with raw transaction rows — it uses pre-computed summaries, counts, averages, and aging buckets. This design serves two purposes: it enforces data access boundaries at the server level (a user without the appropriate role physically cannot receive finance data, regardless of what the frontend requests), and it keeps dashboard queries fast even as transaction volume grows.

Baselines

The Payments Impact panel requires a reference point: what did these metrics look like before BayWise Payments? Workshop operators enter their pre-BayPay baselines in Settings — average DSO, manual collection rate, cost of capital percentage, and hours spent on manual payment processing per month. These baselines are entered once and used as the comparison anchor for ongoing impact measurement.

Cashflow & CalendarCategories & Event Map