FutureHives builds intelligent software that connects the teams running the business
with the teams reporting on it — automating contracts, cash, credit risk and conversational
insights so finance and operations work from one source of truth.
THE PORTFOLIO · WHAT WE BUILD
CLICK ANY PRODUCT →
01 · FLAGSHIP
↗
ContractHive
AI lease lifecycle & IFRS 16. Onboarding, accounting, payments, reporting.
Every lease event — onboarding, payment, change, offboarding — bounces between Operations, Real Estate and Finance through email threads, spreadsheets and chat. Context gets lost. Deadlines slip. IFRS 16 entries break.
SILOS · DELAYS · MIS-BOOKINGS
📧 Email thread📊 Spreadsheet v3-FINAL💬 WhatsApp📎 PDF attachment📝 Manual journal
OPERATIONS
Site & facilities teams
"Has the new lease been signed?"
Day 14 · still chasing Real Estate
"Renewal tomorrow — are we extending?"
Last update: a forwarded PDF, March
REAL ESTATE
Portfolio & landlord ops
"Which version of the contract is final?"
v3, v3-final, v3-FINAL-signed.pdf
"Did Finance book the rent escalation?"
+5% kicked in 2 quarters ago
FINANCE
Accounting, treasury & reporting
"Is this lease on or off balance sheet?"
IFRS 16 redone in Excel every quarter
"Why doesn't the ROU asset reconcile?"
Modifications buried in side emails
14d
Avg. delay per lease event
3×
Versions of the same lease in circulation
~30%
Of finance close spent reconciling lease data
CONTRACTHIVE · THE COMMUNICATION GAP05 / 28
ContractHive · Overview
05 / 48
Manage leases smarter.
ContractHive brings AI to every step of the contract lifecycle — onboarding, workflow,
analysis, site assessments, negotiations and renewals — to save time, reduce cost and
cut compliance risk.
SAVE TIME
Hours, not weeks
REDUCE COST
No manual entry
CUT RISK
Audit by default
SCALE
Thousands of leases
ContractHive · Portfolio dashboard
CONTRACTHIVE · OVERVIEW05 / 48
ContractHive · Module 01
AI · IFRS 16 · LIFECYCLE
The AI-powered
lease lifecycle platform.
ContractHive runs every lease end-to-end — ingestion, accounting, payments, renewals — with built-in IFRS 16 compliance and a workflow your team will actually enjoy using.
01 · INTELLIGENCE
AI-powered.
OCR ingests any document. AI extracts clauses, dates and terms — and answers questions in plain language.
02 · COMPLIANCE
IFRS 16 compliant.
ROU, lease liability and amortisation calculated automatically. Audit-ready journals on day one.
03 · EXPERIENCE
Highly flexible & user-friendly.
Configurable workflows, role-based views and an interface trained on real-world lease ops — not accounting jargon.
One module · the entire lifecycle
CREATE → ONBOARD → OPERATE → RENEW
01
Create
New lease, multi-entity, multi-currency.
02
Onboard
AI ingest from PDF, scan, Excel or image.
03
Account
IFRS 16 schedules & journals — automatic.
04
Operate
Payments, escalations, alerts & approvals.
05
Renew
Renewal, modification or termination.
CONTRACTHIVE · LIFECYCLE06 / 48
ContractHive · Module 02
AI-powered OCR import.
Convert physical and digital lease documents into structured, actionable data — automatically.
→ 01
OCR extraction
Read PDFs, scanned images and Word files using AI.
→ 02
Multi-format support
PDF, DOCX, JPG, PNG, JPEG — text or scanned.
→ 03
Bulk merge
Merge multi-page files into a single lease record. Fold-in folders of files.
OCR · Field extraction & mapping
SUPPORTED INPUT
PDF · DOCX · JPG · PNG · JPEG · scanned bundles
CONTRACTHIVE · OCR07 / 48
ContractHive · Module 03
Financial tracking.
Automated payment schedules, escalation handling, rent-free periods, late fees and security deposits.
01
Automated schedules
Generate rent and payment schedules automatically from contract terms.
Recurring rent — monthly · quarterly · annual
Pro-rated first & final periods
Multi-currency & FX-aware
02
Escalations & free periods
Custom rent escalations and rent-free intervals — applied automatically per clause.
% step-up · CPI-linked · fixed amounts
Rent-free windows on lease terms
Mid-term renegotiation handling
03
Payment tracking
Real-time status across pending, paid, overdue and adjusted invoices.
Auto late fees & security deposits
Refunds, credits & manual adjustments
Reminders & aging buckets
Payment schedule · 12-month preview
PaidPendingOverdueAdjusted
JAN
FEB
MAR
APR
MAY
JUN
JUL
AUG
SEP
+5%
OCT
NOV
DEC
Avg. monthly$184,200
Annual escalation+5.0%
Free period2 months
CurrencyUSD · AED · SAR
On-time rate
98.4%
Overdue exposure
$24.1k
Deposits held
$612k
CONTRACTHIVE · FINANCIAL TRACKING08 / 48
ContractHive · Module 04
Asset management.
Comprehensive asset tracking with GPS, property evaluation,
asset–contract linking and multi-asset support.
Asset tracking
Property type, zoning info and usage details per asset.
Location & GPS
Addresses or GPS coordinates for regional visibility.
Asset–contract linking
Direct links between assets and their leases for traceability.
Multi-asset support
Real estate, vehicles, equipment and IT — one schema, one view.
Real estate
Vehicles
Warehouse
Equipment & IT
Asset map · Geo-tagged sites
CONTRACTHIVE · ASSETS09 / 48
CONTRACTHIVE · MODULE 04b · NEW
GEO-INTELLIGENCE · GOOGLE MAPS · LIVE
Your portfolio, on a map.
Every branch, asset and lease — pinned on an interactive Google Map inside ContractHive.
See your footprint at a glance, click any location for live contract details, financials and approvals.
contracthive.app / dashboard
● LIVE
Branch Details
×
Code
7842
Name
Riyadh – Olaya – King Fahd Road-7842
Type
Flagship
Region
Riyadh Region
Location
Olaya District
Square Meters
312 m²
CONTRACT DETAILS
Contract ID
8024
Start Date
Jan 1, 2024
End Date
Dec 31, 2038
Total Amount
SAR35,000
Frequency
ANNUAL
View Contract
CONTRACTHIVE DASHBOARD · BRANCHES MAP · BRANCH DETAIL ON CLICK
ACTIVE BRANCHES
1,284
across 13 Saudi regions
CONTRACTED VALUE
SAR 482M
SAR 375K avg / branch
EXPIRING · 6 MO
47
Riyadh 21 · Jeddah 14 · Other 12
CITIES COVERED
24
incl. KSA Vision 2030 hubs
Live pins for every location
Branches, sites and assets plotted from contract data — no manual upkeep.
Click → branch detail panel
Code, type, region, area, contract ID, term, total & frequency — all on one click.
Search & filter by branch
Find any location by name, code or region. Switch between Map and Satellite views.
KPIs synced with the map
Active contracts, contracted value, outstanding payments and expiries — refreshed live.
CONTRACTHIVE · BRANCHES MAP10 / 48
ContractHive · Module 05
TRIGGER · APPROVE · NOTIFY · ACT
Workflow automation.
Every lease event triggers the right approvals, the right notifications and the right ledger
actions — automatically. Multi-step approvals, reminders and bulk operations, all with a
full audit trail.
EVENT
New lease · renewal · termination
01 · INTAKE
Auto-classify
Route by entity, lease type and value.
02 · APPROVAL
Multi-step review
Manager → Finance → CFO with thresholds.
03 · NOTIFY
Smart alerts
Email, in-app and SLA escalations.
04 · ACT
Post & sync
Journals, payments, ERP & status.
FM
Finance manager
Reviews · 2h SLA
CFO
CFO
Approves · > $50k
OPS
Operations
Notified · auto
01
Approval workflows
Multi-step, role-based, threshold-aware. Parallel or sequential approval chains for any lease event.
SequentialParallelDelegation
02
Smart notifications
Email, in-app and reminder cadences for approvals, expiries, payments and SLA breaches — never miss a deadline.
EmailIn-appSLA escalation
03
Bulk operations & triggers
Mass-create, renew, terminate or re-measure across portfolios. Status updates and ERP postings fire automatically.
Bulk importAuto-postAudit trail
CONTRACTHIVE · WORKFLOW10 / 48
CONTRACTHIVE · MODULE 05b
Operations · Finance · Accounts Payable
Payment requests — wired across departments.
Operations raise payments against the agreed lessor schedule. The request flows through approval, lands with Accounts Payable to process, and status flips to paid in-system — no parallel emails, no chase.
01
Operations raises request
OPERATIONS
Against the lease's agreed schedule — contract, landlord, invoice, amount, attachments. One click from the contract record.
02
Approval hierarchy
CONFIGURABLE
Routes by amount, entity or contract type. Notifications, SLAs and a full audit trail at every step.
03
Accounts Payable processes
AP TEAM
Lands in the AP queue with full context — invoice, supporting docs, approvals. AP executes the payment.
04
Status flips to Paid
✓ AUTOMATIC
Schedule, dashboards, ERP postings and the audit log all reflect the payment in real time.
contracthive.app / payment-requests
LIVE
DRAFT → PAID
One pipeline
AUDIT TRAIL
Every action
ATTACHMENTS
Invoices in-line
⇄
WHY IT MATTERS
Communication between departments, systemized. Operations, approvers and Accounts Payable work on the same record — not in parallel inboxes.
CONTRACTHIVE · PAYMENT REQUEST11 / 48
ContractHive · Module 06
REAL-TIME · MULTI-ENTITY · MULTI-CURRENCY
Decisions in seconds, not quarters.
Every lease, every entity, every currency — live on one screen. Stop waiting for month-end
to know where the portfolio stands.
A conversational layer over every lease, payment schedule and IFRS 16
calculation in ContractHive. Ask in plain English — answers come back instantly.
＋
Create new contracts
Spin up leases, schedules and IFRS attributes from a single prompt.
⌘
Generate reports on the fly
Portfolio status, expiry forecasts and IFRS 16 disclosures, exported instantly.
≋
Real-time analysis & insights
Trend detection, anomaly flags and cash-flow what-ifs in seconds.
✦
Hive Assistant
CONNECTED · 1,284 CONTRACTS
● LIVE
Create a new lease for Downtown Dubai office — 5 years, AED 240k/year, 3% escalation.
DRAFT CREATED · 0.8s
Lease LX-1284 drafted with on-balance-sheet treatment. ROU asset and liability schedules computed for 60 months.
Show me leases expiring in the next 90 days and flag any with renewal options.
12 RESULTS · LIVE QUERY
LX-0421 · Sheikh Zayed Rd42 D · RENEW
LX-0876 · DIFC Tower61 D · RENEW
LX-1102 · JLT Cluster Y88 D · NO OPT.
→ Export to PDF · Open dashboard view
▎Ask about renewals, IFRS 16 entries, cash impact…↗
CONTRACTHIVE · AI ASSISTANT13 / 48
The problem · IFRS 16
Why finance teams are stuck
IFRS 16 broke the spreadsheet.
Bringing every lease on-balance-sheet sounded simple. In practice
it created a compliance burden that most finance teams still patch
together with Excel, email and quarterly heroics.
PAIN · 01
Contracts scattered across the org.
Lease agreements live in shared drives, inboxes, branch offices and PDFs.
No single source of truth — and no way to know what's expiring next quarter.
→ Hours lost chasing copies before every close.
PAIN · 02
Manual data capture, inconsistent fields.
Renewals, terminations, residuals, purchase options — every IFRS-required
attribute keyed by hand, every team formatting it differently.
→ Errors compound across thousands of contracts.
PAIN · 03
Spreadsheet calculations break at scale.
ROU, lease liability, modifications, indexation — fragile workbooks
that nobody else can read, audit or reproduce a year later.
→ One formula away from a restatement.
PAIN · 04
No version control, no audit trail.
Final_v7_FINAL.xlsx. Auditors ask who changed what and when —
and the answer is a forwarded email from six months ago.
→ Audit cycles drag on for weeks.
PAIN · 05
Disconnected from the ERP.
Lease accounting lives outside the GL. Journals are re-keyed,
payments don't reconcile, and consolidation is a quarterly fire-drill.
→ Finance owns the workaround, not the data.
PAIN · 06
Standards keep moving on you.
Sub-leases, sale-and-leaseback, low-value, short-term, modifications —
every regulator update becomes another rebuild of a fragile model.
→ You're always one circular behind.
CONTRACTHIVE · IFRS 16 PAIN POINTS13 / 48
IFRS 16
IFRS 16 — onboarding & governance.
Centralized onboarding capturing every IFRS-required attribute — dates, renewals, terminations,
purchase options, residuals — with role-based control.
01 · ATTRIBUTES
Every IFRS attribute, captured
Dates, renewals, terminations, purchase options and residual values — standardized so every contract is IFRS 16-ready from day one.
02 · ROLES
Role-based configuration
Lessee · Lessor · Legal Entity · Title — all governed by approval and access control with digital sealing and version trails.
SUPPORTED TRANSACTIONS
Lessee · On Balance SheetLessee · Short TermLessee · Low ValueLessorSales & Leaseback
CONTRACTHIVE · IFRS 1613 / 48
IFRS 16 · Recognition & measurement
A built-in financial engine.
Automatic Lease Liability and Right-of-Use asset generation — fixed and variable payments,
multi-currency support and full ERP synchronization.
ENGINE
Lease liability + ROU asset
Calculates lease liability and generates the Right-of-Use asset under IFRS 16 — out of the box.
PAYMENTS
Fixed & variable
Variable payments linked to CPI, usage or performance indexes — with dynamic recalculation.
FREQUENCY
Any cadence, any currency
Monthly, quarterly or annual — advance or arrears — with full multi-currency capability.
CONFIG
Configurable parameters
Interest rates, direct costs, dismantling, escalation rules and residual values — all configurable.
Built on Node.js & PostgreSQL for high performance.
CONTRACTHIVE · SCALE15 / 48
Integration capabilities
A RESTful API to your stack.
ContractHive plugs into your existing systems to retrieve and send contract, payment and invoice data.
API
RESTful API
Communicate effortlessly with existing business systems via a clean, modern API.
PAY
Payment & invoicing
Automate invoice posting, payment reconciliation and reminders end-to-end.
ERP
ERP integration
Send and retrieve contract data from any Enterprise Resource Planning system.
OUTCOME
Streamlined financial workflows — accuracy and efficiency by integration.
CONTRACTHIVE · INTEGRATION16 / 48
CONTRACTHIVE · POSITIONING
End-to-end · Operations + Finance
Other systems do slices.
ContractHive runs the whole lease lifecycle.
Most tools either crunch IFRS 16 numbers or manage operational
contracts — never both. ContractHive is the single platform where
operations and finance teams collaborate on the same contract data,
reducing risk and tightening controls.
✦
CONTRACTHIVE
End-to-end lease platform
One source of truth from contract intake to financial reporting — for both operations and finance.
Built for finance to compute IFRS 16 numbers — operations is left out of the picture.
○Manual data entry from PDFs and spreadsheets
○No contract repository or document management
○No renewal alerts, workflows or approvals
○Operations & finance stay in separate silos
○Limited reporting beyond accounting outputs
VALUE
Compliance only — risk & control gaps remain.
⊞
SPREADSHEETS & SHARED DRIVES
DIY across the org
Contracts in PDFs, schedules in Excel, alerts in inboxes — no single source of truth.
○Versioning chaos — multiple files in circulation
○Formula errors propagate silently into reports
○No audit trail or role-based controls
○Renewal misses, missed escalations, late dues
○Reporting is a manual reconciliation exercise
VALUE
Cheap to start — expensive to scale and audit.
CONTRACTHIVE · WHY US17 / 48
CONTRACTHIVE · IMPLEMENTATION
7 steps · Client + CH team
From your data to go-live.
A guided onboarding path — your team submits data in whatever shape it lives today, and the ContractHive team carries it through structuring, validation and rollout.
STEP 01 · FOUNDATIONCRITICAL
01
Data submission
CLIENT · AS-IS FORMAT
Client submits the lease portfolio in its existing form — spreadsheets, PDFs, scanned contracts, shared-drive folders. No reformatting required.
●Excel, CSV, PDFs, scans, emails
●Any structure — we adapt to it
●Secure transfer + NDA in place
EVERYTHING DOWNSTREAM
depends on this step.
STEP 02 · CH TEAM
02
Review & convert
CH team reviews submitted data, maps fields and converts into the ContractHive schema.
AI + EXPERT REVIEW
STEP 03 · CH TEAM
03
System load
Converted records are loaded into ContractHive — portfolio, contracts, assets, schedules.
BULK INGESTION
STEP 04 · JOINT
04
Validate & approve
Client reviews loaded records side-by-side with source data, validates and formally signs off.
CLIENT SIGN-OFF
STEP 05 · CH TEAM
05
Onboarding session
Kick-off with stakeholders — workflows, roles, approval chains and integrations confirmed.
CONFIGURATION
STEP 06 · JOINT
06
User training
Role-based training for operations, finance and approvers — with hands-on walkthroughs.
ENABLEMENT
STEP 07 · LIVE
07
Go-live
Production cut-over announced. Hypercare support runs alongside the first reporting cycle.
✦ LAUNCHED
!
THE MOST IMPORTANT POINT
Data is the project. Its accuracy, completeness and approval set the ceiling for every report, every workflow and every IFRS 16 entry that follows.
CONTRACTHIVE · IMPLEMENTATION18 / 48
PART TWO
Onboard
in one flow.
AI-native customer onboarding — KYC, documents, contracts and approvals
in a single workflow. New product, same engine.
Onboard new customers end-to-end — KYC, documents, contracts and approvals — in one flow. Built-in workflows handle the routing; AI document reading does the data entry.
CAPTURE · READ · ROUTE · APPROVE
STEP 01
Capture
Web form or upload — ID, trade licence, financials.
KYC, sanctions, PEP & bureau checks via integrations.
STEP 04
Route
Built-in workflows for risk, ops & compliance approvals.
STEP 05
Activate
Customer record created · contract issued · core systems updated.
~85%
Less manual data entry
3×
Faster time-to-onboard
100%
Audit-ready trail per applicant
0
Code to wire workflows
HIVESTART · AI ONBOARDING
PART THREE
18 / 48
NEXTHIVE · CASHFORECASTING
NextHive CashForecasting.
From fragmented Excel and bank exports to a trusted, AI-assembled cash forecast —
an 8-step interactive workflow built for multi-entity, multi-currency treasuries.
Real-time visibility across entities, currencies and banks.
02
AI-assembled forecasts
Driver-based forecasts that build themselves from your raw data.
03
Scenario & stress
Instant modelling of baseline, upside and downside cases.
04
Audit-ready
Seamless ERP & bank integration with full traceability.
RESULT
Faster cycles · higher confidence · actionable cash insights for funding, investment and liquidity decisions.
NEXTHIVE · OVERVIEW19 / 48
NEXTHIVE CASHFORECASTING · INTERACTIVE WORKFLOW
8 steps · minutes, not weeks
From raw files to a forecast — in eight guided steps.
A single interactive workflow walks treasury through ingestion, AI classification, structuring and assembly.
Save and exit at any step — pick up where you left off.
01 · DATA
Ingest
Drop Excel / CSV or sync from connected systems (HSBC, SAP, Citi).
02 · DATA
Map fields
AI maps source columns to the ContractHive schema — override any cell.
03 · AI
Extract
AI reads thousands of rows, classifies inflow / outflow with confidence.
04 · AI
Review
Confirm rows. Every override retrains future imports.
05 · BUILD
Context
Add notes AI can't see — seasonality, known contracts, one-offs.
06 · BUILD
Setup
Horizon, hierarchy, opening balance — pulled live from your bank feed.
07 · BUILD
Assemble
AI assembles the forecast — period-bucketed, multi-level drill-down.
08 · LIVE
Forecast
Charts & drill-down. Scenarios, variance and AI commentary on tap.
CF
CashForecast / Workflow / Ingest
Step 1 of 8
Save & exit
JD
1
Ingest
CURRENT
2
Map
3
Extract
4
Review
5
Context
6
Setup
7
Build
8
Output
STEP 1 · INGEST
Bring in your cash data
Drop Excel files or sync from a connected system. AI will detect each file's type — confirm or override before we map columns.
← Back
Next: Map fields →
NEXTHIVE · 8-STEP WORKFLOW20 / 48
STEPS 1 – 4 · DATA IN
Ingest · Map · Extract · Review
AI reads,
you confirm.
Drop in raw bank statements, AR aging, AP schedules or payroll runs. AI classifies thousands of rows into incoming and outgoing — with confidence scores on every line and a chat panel that explains its choices.
→ 01
Drop or connect
.xlsx, .xls, .csv up to 50 MB — or live sync from HSBC, Citi, SAP.
→ 02
AI maps fields
Detects incoming vs outgoing, counterparty, date, currency.
→ 03
Confidence scoring
Every row tagged 0–100%. Anything below threshold flagged for review.
→ 04
Overrides retrain
Every correction is remembered — next import is more accurate.
CashForecast / Data sources / AI mapping
STEP 2 OF 3
Confirm what these rows are
1,926 rows · grouped into incoming & outgoing buckets · click any row to override.
All 1,926Incoming · 1,284Outgoing · 642Needs review · 38
SOURCE ROW
AI CATEGORY
DIR
COUNTERPARTY
AMOUNT
DATE
CONF
AR · row 42
Customer receipts
IN
Globex Industries
+ 124,500
Mar 15
98%
AP · row 11
Vendor payment
OUT
Stark Logistics
− 12,840
Mar 12
92%
AP · row 28
? Tax payment
?
IRS
− 86,400
Mar 30
64%
Payroll · sh.2
Payroll
OUT
ADP run-1284
− 412,300
Mar 14
88%
Bank · txn 9201
? FX gain
?
—
+ 2,140
Mar 29
52%
AI
38 rows need your eyes
Mostly bank-internal transfers and tax payments where I can't tell estimated from final. Filter by "Needs review" to handle them in one pass.
STEP 2 · AI MAPPING REVIEW · SPLIT VIEW
NEXTHIVE · DATA IN21 / 48
STEPS 5 – 7 · STRUCTURE
Context · Setup · Assemble
Shape the forecast — your way.
Define horizon, currency and the hierarchy you want to slice by. Add the context AI can't see in the data — seasonality, contract risk, one-off events. Then let it build.
Pulled live from HSBC at 06:00 UTC — 3 connected accounts.
$ 14.21 M
STEP 6 · FORECAST SETUP — SINGLE PAGE WITH SECTIONS
STEP 5 · CONTEXT
Tell AI what the data won't.
Notes about seasonality, known contracts, one-off events and risk factors are kept with the forecast — AI uses them to nudge the baseline.
+ Seasonality+ Known contracts+ One-off events+ Risk factors
STEP 6 · SETUP
Multi-entity, multi-currency by default.
Daily, weekly or monthly buckets. Drag-and-drop hierarchy up to 4 levels. Opening balance pulled live from the bank — or override manually.
STEP 7 · ASSEMBLE
AI builds the forecast.
Driver-based modelling produces the full grid — with line-level explanations and adjustable assumptions on every row.
~ 2 min
FROM RAW FILES TO LIVE FORECAST
NEXTHIVE · STRUCTURE22 / 48
STEP 8 · FORECAST LIVE
Drill-down · scenarios · variance
Your forecast — explainable on every line.
A live grid with 4-level drill-down, side-by-side scenarios and post-period variance — each with AI commentary that explains every meaningful move.
OPENING · APR
$ 12.48 M
HSBC + Citi · 3 accounts
INFLOWS · 6 MO
+ $ 48.7 M
vs $46.2M last forecast
OUTFLOWS · 6 MO
− $ 41.3 M
Payroll 44% · Vendors 31%
CLOSING · SEP
$ 19.87 M
Min trough Jun 15: $9.2M
Group · drill to detail
APR
MAY
JUN
JUL
AUG
SEP
TOTAL
▾ INCOMING CASH
4.22M
5.18M
4.69M
4.81M
5.24M
5.91M
30.05M
▾ Acme US
2.88M
3.52M
3.18M
3.26M
3.55M
4.01M
20.40M
▾ Customer receipts
2.64M
3.20M
2.89M
2.94M
3.21M
3.64M
18.52M
● Wayne Enterprises
510k
600k
540k
560k
610k
700k
3.52M
▾ OUTGOING CASH
(3.64M)
(3.92M)
(4.18M)
(4.04M)
(4.22M)
(4.35M)
(24.35M)
Payroll
(1.62M)
(1.64M)
(1.66M)
(1.66M)
(1.68M)
(1.70M)
(9.96M)
NET CASH
580k
1.26M
510k
770k
1.02M
1.56M
5.70M
AI
SELECTED · WAYNE ENT.
Why September receipts climb +15%
Driven by the renewal of the master services contract noted in your insights, plus a typical Q3 catch-up on outstanding invoices > 60 days.
CONF 83%See driver rowsMark as risk
4 SCENARIOS · MONTHLY · USD
v1.0 Baseline
$ 18.18 M
v1.1 Updated AR
$ 17.28 M −900k
v2.0 Upside
$ 19.20 M +1.02M
v2.1 Downside
$ 14.48 M −3.70M
APRIL VARIANCE
81.4% accuracy
− $ 710 k
vs forecast · 4,612 reconciled txns
AI: Acme US slip explains $480k. CAPEX paid 1 week early adds $220k. Roll into May? Apply & rebuild →
NEXTHIVE · FORECAST LIVE23 / 48
Comparison
NextHive vs spreadsheet forecasting.
Dimension
NextHive
Spreadsheets
Governance
STRONG Built-in audit trails, version control and role-based access.
WEAK Limited audit trails — tracking changes and ownership is challenging.
Accuracy
AUTOMATED Standardized logic reduces human error and ensures consistent outputs.
MANUAL Highly dependent on inputs and formulas — error-prone and inconsistent.
Scalability
SCALES Handles large data volumes, multiple entities and complex scenarios.
STALLS Slows as data, entities or forecast complexity grows.
Collaboration
REAL-TIME Centralized platform — single source of truth.
FRAGMENTED Multiple versions emailed around — duplication and reconciliation.
NEXTHIVE · COMPARISON24 / 48
PART FOUR
24 / 48
HIVEIQ · CONVERSATIONAL AI
Just ask your business.
The conversational AI analyst from FutureHives. Plain-English questions in,
live dashboards, charts and predictive insights out — across sales, operations, delivery and finance.
No SQL. No BI tickets. Just ask.
HIVEIQ · CONVERSATIONAL AI FOR ENTERPRISE INSIGHTS
< 2 weeks · Free POC · 360° coverage
Connect. Ask. Understand. Act.
HiveIQ plugs into your ERP, CRM, OMS and finance systems and turns enterprise data into
instant answers, dashboards-on-demand and forward-looking forecasts.
IQ
HiveIQ · Live Insights
CONNECTED · 4 SYSTEMS
SK
Which 5 customers are at risk of churn this quarter, and what's the revenue impact?
IQ
5 accounts at risk · $2.84M ARR exposure.
Signals combine declining usage, support ticket volume and overdue invoices.
Charted below — drill in for drivers per account.
GENERATED CHART · CHURN-RISK SCORE × ARR
Top 5 at-risk accounts
BarScatterTable
↺ Refine📌 Pin to dashboard⏰ Alert me on changes→ Drill in
Ask anything:What's our cash position next 13 weeks, broken down by entity?
A complete platform for IFRS 9 estimations and disclosures — built on the GPPC simplified
modelling method and used across 56 companies in 17 countries.
GPPC compliantFully automatedAudit-validated
Estimator 9 · Product brief · Powered by FineIT
A consolidated IFRS 9 platform.
End-to-end estimations, modelling, reporting and execution — with strong on-ground
technical support and validation services.
01 · METHOD
GPPC simplified method
Aligned to the joint document issued by the six largest accounting firms (June 2016).
02 · ESTIMATION
EAD · PIT PD · LGD
Comprehensive estimations for counterparty receivables — banking and sovereign.
03 · TRANSPARENCY
Sense-checkable
Full transparency on all model components — sense-checked and ratified.
04 · LOCAL FIT
Country-specific
Customizable to country-specific regulatory reporting requirements.
05 · INTEGRATION
Bank data integrations
Full integration with bank-internal data views — software, customization, support.
06 · SUPPORT
24×7 helpdesk
Dedicated technical support and annual validation services included.
ESTIMATOR 9 · POWERED BY FINEIT26 / 48
The ECL formula
Expected Credit Loss, decomposed.
EAD
EXPOSURE AT DEFAULT
Exposure divided into 3 buckets by days-past-due.
×
PD
PROBABILITY OF DEFAULT
Point-in-time, forward-looking PD term structure.
×
LGD
LOSS GIVEN DEFAULT
PIT estimation — collateralized vs uncollateralized.
IAS 39 → IFRS 9
From incurred-loss provisioning to upfront expected-loss provisioning — ECL = EAD × PD × LGD.
ESTIMATOR 9 · ECL · POWERED BY FINEIT27 / 48
GPPC defined estimation methodology
Six steps, one methodology.
01
Portfolio segmentation
Pooling on the basis of discriminant analysis and statistical mass.
02
MEVs identification
Identify statistically significant macro-economic variables for each segment.
03
MES simulations
Project macro-economic scenarios and assign probabilistic weights.
04
Bucket-wise EAD
Distribute current exposure into the three IFRS 9 days-past-due buckets.
05
LGD estimation
Point-in-time loss-given-default distribution for each portfolio segment.
06
PIT PD estimation
Point-in-time probability-of-default term structure per segment.
ESTIMATOR 9 · METHODOLOGY · POWERED BY FINEIT28 / 48
PART SIX
PART OF THE CONTRACTHIVE AI-NATIVE SUITE
ContractIQ.
AI-native contract intelligence. Ingest, understand, build and govern every contract in one place —
with clause-level AI, semantic search and built-in risk intelligence
purpose-built for the GCC.
AI extraction + OCRSemantic searchAutomated risk scoringBuild to e-signature
CONTRACTIQ · HOW IT WORKS
From first upload to a signed, governed agreement
One workspace, four intelligent flows.
ContractIQ unifies the full contract lifecycle — every document searchable, every risk scored,
every obligation tracked, every draft governed.
01
Ingest & Extract
Bulk-upload contracts and auto-extract the key terms — even from scans and Arabic.
PDF/DOCXOCRARABIC
02
Repository & Search
Your whole portfolio, auto-classified and searchable by meaning — not just keywords.
AUTO-METADATASEMANTIC
03
Risk & Obligations
Continuous scoring against your playbook with a live obligations calendar.
PLAYBOOKRENEWALS
04
Build & Govern
Draft from templates and approved clauses, then route to signature — fully audited.
TEMPLATESCLAUSE LIBE-SIGN
AI
Ask AI — answers with the receipts
Plain-language Q&A across the portfolio. Every answer links to the exact clause via citation chips.
Built for GCC compliance
UAE PDPL & DIFC governing-law checks, with Arabic OCR and bilingual review throughout.
