direct debits - minto consultancy：直接借记- minto咨询

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1、DirectDebitsStreamliningDirectDebitswithAUDDIS&PaperlessDirectDebitsIntroductionWiththeintroductionoftheAUDDISservicetheDirectDebitcollectionprocesswillbemademoreefficient,bystreamliningthelodgementoftheDirectDebitInstruction(DDI).Itshouldbenotedthattheprocessandcostsforpaymentfilesentthro

2、ughtheBACSsystemareunaffected.OnceAUDDISisinplaceyouwillbeabletomoveontoPaperlessDirectDebits(PDD)whichwillenableyoutoacceptcustomer’sinstructionstosetupandamendDirectDebitsthrougharangeofmethodsincluding:-1Telephone2Internet3Telephonekeypad4FacetofaceTheCurrentProcessLet’sreviewthecurrent

3、processforDirectDebits,andlookattheissueswiththisprocessa)Newcustomer1ApplicationformreceivedinpostincludingDDI.2DDIinformation–sortcode,accountnumberenteredontosystem3PaperDDIsenttoPayingBankforlodgement.4DelaymechanismplacedonsystemtoensurepaymentscannotbecollecteduntilBankshaveprocessed

4、theDDI(currently10-calendardays)Issues1SignificantdelaybeforethefirstpaymentcanbecollectedbyDD.2Noaudittrailexists.(i.e.thereisnotanyconfirmationthatthepayingBankhasreceivedandsuccessfullyinputtheinstruction).3Asignificantcostinenvelopingandpostingtheinstruction.4Nocomprehensive‘online’val

5、idationoftheBankdetailsatpointofentry5HighrejectionsbyBankswiththereasons‘noinstruction’and‘noaccount’b)ExistingcustomeramendmentwherechangeofBankisinvolvedandadvicenotreceivedthroughtheADDACSservice1Customeradvisesofnewbankdetails.2NewDDIsentouttocustomerinthepost.3CustomerreturnsDDItoMan

6、agementCompany,andthen4Asnewcustomer–outlinedabove.InadditiontotheissuesmentionedabovethereisAminimumdefinitedelayof18calendardaystocover;1Twowaypostage2The14-calendardaylodgementperiod.TheAUDDISProcessNowifwereviewthenewAUDDISprocess,wecanseehowmuchtheprocessisanimprovementa)Newcustomer1A

7、pplicationformreceivedinpostincludingDDI2DDIinformation–sortcode,accountnumberenteredintosystem3DDIinformationsentelectronicallytobankthroughtheAUDDISservice4PaperDDIretainedandnotsenttotheBank5Delaymechanismofaminimumof2workingdaysplacedonsystemtoensurepaymen