Prepaid Debit Card Solutions for Local Authorities in safe hands Prepaid Debit Cards
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1 Prepaid Debit Card Solutions for Local Authorities in safe hands Prepaid Debit Cards LASSeO Monthly Meeting Wednesday, 27 September 2006
2 Simple Objective LINK Interchange Network Ltd All Rights Reserved. 2
3 Existing Infrastructure Access to Entitlements LINK Interchange Network Ltd All Rights Reserved. 3
4 Prepaid Debit Card Applications Gifting 51 High Street retailers Insurance Goldsmiths, Norwich Union (Aviva) Travel Amex, Post Office, Cash2Go & more emerging Youth Splash, Bliss, Visa Bux s (U.S.), & YOC? Online Payments & Gaming Paysafecard, Xbox Card (Germany) Under/Un-Banked CashPlus, 360money (Credit Unions) Remittances major High St bank & Polish migrant workers Payroll majority examples in US, Citibank in Poland, 2m UK workers still paid in cash Corporate Benefits replacing luncheon vouchers in Spain, France & Italy Transit/Micropayments Octopus Card (Hong Kong), TfL s Oyster? Government Benefits/Entitlements Dutch Gov t, Liverpool CC & DWP? LINK Interchange Network Ltd All Rights Reserved. 4
5 UK Prepaid Propositions Gift, Corporate, Saver, Loyalty Debenhams Arcadia Group Comet Laura Ashley Ticketmaster Insurance Claim Comet Debenhams Incentive Grass Roots Group Travel Money Western Union Debenhams Benefit Payments Family Fund Liverpool City Council Prepaid Debit Splash Plastic & Premium LINK Interchange Network Ltd All Rights Reserved. 5
6 What are the features of the card? 100% online solution using Maestro Top up via Web / IVR / Retail UK and/or International Cash via ATM Retail or Internet Purchases Single Use or Reloadable Cards Funds stored centrally not on the card LINK Interchange Network Ltd All Rights Reserved. Multiple Currency Open loop for use anywhere or Closed Loop - restricted to specific merchant(s) 6
7 Why introduce Prepaid Debit Cards for Citizens? Advantages Disadvantages Local Authority Ability to offer much lower cost/more secure disbursement method than cash/cheque Reduced cost of handling cash/writing out cheques, can also support batch payments Relatively clear business case Ability to expand to other functions e.g. YOC, DWP Ability to add in employee transactions Ability to be seen as innovative/supporting financial inclusion Ability to monitor/control usage Could be viewed as a resource cost cutting exercise by those currently supporting cash/cheque transactions? (political sensitivity) Limited current roadmap to multi-app smartcard Citizen/Consumer Convenient, flexible access to single/multiple entitlements Not essential to visit local authority site No credit checking or KYC required No risk of indebtedness, 100% online authorisation Safer than carrying cash Gain in social status Could be perceived as a method of control Could still become stigmatised LINK Interchange Network Ltd All Rights Reserved. 7
8 Scope for transactions Adult Services Children s Services Revenues & Benefits Supported Living Independent Living Fund Emergency Cash Payments Wards of Court (APAR) Domiciliary Care Reimbursements Setting up home grants Direct Payments Educational Awards Emergency Foster Care Payments Leaving Care Payments YOC Housing Benefit Rent Allowances Other areas Leisure Services Expenses/Petty Cash Transport/Parking DWP Benefits Remittances Credit Unions LINK Interchange Network Ltd All Rights Reserved. 8
9 The Awards. Local e-government excellence: Efficiency... winner Liverpool City Council ( Efficiency & Modernisation award sponsored by Fujitsu Services. winner Liverpool City Council ( LINK Interchange Network Ltd All Rights Reserved. 9
10 Service Suppliers Main Supplier LINK Interchange Network Limited part of the UK Critical National Infrastructure Owned by 22 UK FI s, including all major UK banks Process over 2.5bn ATM transactions annually Trading as Avantra outsourced services division of LINK Driving over 50% of UK ATM Network Sub-contractors PrePay Technologies Limited - FSA regulated, full emoney license holder Over 5 years experience in the UK prepaid market place Issuers of MasterCard scheme services, chip card certified Live prepaid products on the market Strong backing (GE Capital, LINK amongst others) Comet, Debenhams, Laura Ashley, Arcadia, Top Shop, Ticketmaster Post Office would support coinage cash withdrawals for a volume proposition LINK Interchange Network Ltd All Rights Reserved. 10
11 Also new from LINK Formally known as. Your money, your mobile... Is now live and in soft-testing for and Balance Enquiries Mobile Phone Top Up s Mini-statements Potentially for all LINK debit cards in the UK LINK Interchange Network Ltd All Rights Reserved. 11
12 And from November Delivered by LINK Interchange Network Ltd All Rights Reserved. & 12
13 UK Faster Payments Service The UK Faster Payments Service Commissioned by APACS Delivered in via JV set up.. Immediate Payments Limited (IPL) IPL is a 50/50 JV owned by LINK & Voca 24 x 7 x 365, Internet or Telephone Banking Single Immediate Payments & Standing Orders LINK Interchange Network Ltd All Rights Reserved. 13
14 Faster Payments Overview LINK Interchange Network Ltd All Rights Reserved. 14
15 Faster Payments Timeline LINK Interchange Network Ltd All Rights Reserved. 15
16 Questions LINK Interchange Network Ltd All Rights Reserved. 16
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