For payment networks & card issuers
VIK and VAS commitments, resolved before they quietly expire.
Value-in-Kind and Value-Added-Service commitments to merchants and partners are scattered across contracts, CRM, billing, and finance. Nolij tracks every one, forecasts forfeiture risk before it happens, and coordinates the resolution — with a human approving the final call.
$186M
Active VIK / incentive commitments tracked
$14.8M
At risk of forfeiture in the next 30 days
$1.2M
Forecasted forfeiture on this case, pre-intervention
The VAS Commitment Command Center — the numbers above, plus AeroConnect (VIK-2024-033) sitting in the At-Risk queue alongside four other real commitments.
One case, start to finish
A $4M commitment, seven days from forfeiture.
This is a real case Nolij resolved — case VIK-2024-033, an airline partner commitment tracked inside the VAS Command Center.
Signal
A commitment goes critical
VIK-2024-033 — AeroConnect. Only 60% of a $4M commitment has been drawn, seven days remain, and the contract does not allow rollover. Nolij flags it automatically, before anyone goes looking.
Investigate
Three agents work the case in parallel
The Budget Analyst confirms allocation, drawdown, and the expiration window. The Contract Analyst pulls the no-rollover and forfeiture language directly from the contract PDF. The Forecasting Analyst projects the commitment lands at 70% utilization at the current pace — an $1.2M exposure, 8% odds of full utilization without intervention.
Precedent
The system checks what's worked before
The Business Partner Analyst searches for comparable cases and surfaces three: Southwest 2023, Delta 2024, and United 2023. Two ended in full recovery, one in partial forfeiture — and the pattern points to a clear next move.
Recommend
A synthesized, sourced recommendation
The FP&A Manager — acting as orchestrator — combines the exposure, the contract terms, and the precedent into one recommendation: escalate to partner ops, request a 30-day extension, citing a 3-for-3 track record.
Approve
A human makes the call
The recommendation, evidence, and precedent package route to the authorized approver — full context, no digging required. Approved.
Outcome
Value preserved, not forfeited
AeroConnect completes the remaining deliverables. The full $4M commitment is utilized. Zero forfeiture. The case becomes the next precedent in the graph.
Who worked the case
Five specialists. One orchestrator.
FP&A Manager
Orchestrator
Builds the investigation plan, delegates to specialists, and synthesizes their findings into a single sourced recommendation.
Budget Analyst
Allocation & drawdown
Confirms commitment size, amount drawn, remaining balance, and the expiration window against historical drawdown pace.
Contract Analyst
Contract intelligence
Extracts the governing clause directly from the underlying contract — rollover terms, forfeiture conditions, obligations.
Forecasting Analyst
Exposure modeling
Projects utilization at the current pace and quantifies the dollar exposure and probability of full utilization.
Business Partner Analyst
Precedent search
Searches prior resolved cases for comparable situations and their outcomes, to ground the recommendation in what's actually worked.
The actual agent trace for this case — five specialists working through the evidence in order, with the exact figures and precedent cases described above.
Operational memory
Every case makes the next one smarter.
The commitment, the counterparty, the contract clause, the account owner, the drawdown history, and the decision itself are all connected in an explicit graph — nine entities for this case alone. Nothing is inferred from memory; every relationship is traceable.
Next time an airline partner is behind on a VIK drawdown, Nolij already knows the pattern: escalation with an extension has worked three times out of three.
What it cost, what it saved
30 minutes of agent work. $4M preserved.
151 hrs
Total elapsed time — mostly waiting on the partner to confirm
<30 min
Actual agent investigation and recommendation time
2
Human touches required — plan approval, final sign-off
$4M
Commitment fully utilized. Zero forfeiture.
The case, closed: escalation executed, human approval recorded, and the final outcome logged — 151 hours, 2 human touches, $4M utilized.
Managing commitments across thousands of merchants?
If VIK and VAS exposure lives in spreadsheets and tribal knowledge today, Nolij can show you what it looks like tracked, forecasted, and resolved automatically — with a human still making the call.
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