SAP® Financial Supply Chain Management (SAP FSCM) is a set of applications that can address virtually every process of your entire cash-to-cash cycle. These applications include: • SAP Biller Direct: for handling Web-based payments andaccount and bill display • SAP Dispute Management: for processing customer invoicecomplaints • SAP Collections Management: for proactively collectingoutstanding receivables • SAP Credit Management: for managing customer creditlines • SAP Cash and Liquidity Management: for efficiently man-aging and optimizing liquidity • SAP In-House Cash: for centralizing intra- and inter-company payments • SAP Treasury and Risk Management: for managing finan-cial transactions and risks These applications are modular in design, allowing companies to configure and deploy individual components according to their particular business needs. In this way, SAP FSCM helps companies map their IT implementation strategies to their business strategies – greatly improving their return on investment