This document contains notes for a presentation on a cash flow optimization app called CFO. It discusses why such an app is needed given unemployment and business failure rates in South Africa. It outlines the app's initial spreadsheet solution, and how it was improved by adding a front-end, database, and hosting on the cloud while keeping the calculations in APL. Technical details are provided on improvements made to address performance issues including moving page generation to the backend and storing data more efficiently in vectors in the database. The target market for CFO is individuals, SMEs, and educational organizations.