Bahamas Automated Clearing House (BACH) What is it? Why do we need it? How will it affect me?
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1 Bahamas Automated Clearing House (BACH) What is it? Why do we need it? How will it affect me?
2 The Dry Details What is it? A network connecting the seven Clearing Banks and the Central Bank to facilitate the clearing and settlement of electronic debits, credits, and cheques.
3 The Dry Details What is it? A network connecting the seven Clearing Banks and the Central Bank to facilitate the clearing and settlement of electronic debits, credits, and cheques. Why do we need it? To modernize the payments system, bringing it in line with global best practices.
4 The Dry Details What is it? A network connecting the seven Clearing Banks and the Central Bank to facilitate the clearing and settlement of electronic debits, credits, and cheques. Why do we need it? To modernize the payments system, bringing it in line with global best practices. How will it affect me? Initially, not much. Over time, it can do for domestic financial transactions what the telephone did for domestic communications.
5 The Dry Details What is it? A network connecting the seven Clearing Banks and the Central Bank to facilitate the clearing and settlement of electronic debits, credits, and cheques. Why do we need it? To modernize the payments system, bringing it in line with global best practices. How will it affect me? Initially, not much. Over time, it can do for domestic financial transactions what the telephone did for domestic communications. Who owns it? The Clearing Banks in equal partnership.
6 The Dry Details What is it? A network connecting the seven Clearing Banks and the Central Bank to facilitate the clearing and settlement of electronic debits, credits, and cheques. Why do we need it? To modernize the payments system, bringing it in line with global best practices. How will it affect me? Initially, not much. Over time, it can do for domestic financial transactions what the telephone did for domestic communications. Who owns it? The Clearing Banks in equal partnership. Who regulates it? The Central Bank
7 The Dry Details What is it? A network connecting the seven Clearing Banks and the Central Bank to facilitate the clearing and settlement of electronic debits, credits, and cheques. Why do we need it? To modernize the payments system, bringing it in line with global best practices. How will it affect me? Initially, not much. Over time, it can do for domestic financial transactions what the telephone did for domestic communications. Who owns it? The Clearing Banks in equal partnership. Who regulates it? The Central Bank Questions?
8 Yesterday and Today Cheques are deposited at a Clearing Bank
9 Yesterday and Today Cheques are deposited at a Clearing Bank Cheques are processed at the end of the day
10 Yesterday and Today Cheques are deposited at a Clearing Bank Cheques are processed at the end of the day On Us cheques are immediately posted
11 Yesterday and Today Cheques are deposited at a Clearing Bank Cheques are processed at the end of the day On Us cheques are immediately posted On Them cheques are exchanged at the Central Bank the following day
12 Yesterday and Today Cheques are deposited at a Clearing Bank Cheques are processed at the end of the day On Us cheques are immediately posted On Them cheques are exchanged at the Central Bank the following day Cheques received during the exchange are brought home, processed, and posted
13 Yesterday and Today Cheques are deposited at a Clearing Bank Cheques are processed at the end of the day On Us cheques are immediately posted On Them cheques are exchanged at the Central Bank the following day Cheques received during the exchange are brought home, processed, and posted Ask me about volumes, clearing times, and other details omitted in an effort to make this presentation shorter and clearer
14 Tomorrow (1 A.B.) Cheques are deposited at a Clearing Bank Cheques are processed at the end of the day On Us cheques are immediately posted
15 Tomorrow (1 A.B.) Cheques are deposited at a Clearing Bank Cheques are processed at the end of the day On Us cheques are immediately posted On Them cheques are exchanged at the Central Bank the following day On Them cheques are exchanged electronically via the ACH the same day
16 Tomorrow (1 A.B.) Cheques are deposited at a Clearing Bank Cheques are processed at the end of the day On Us cheques are immediately posted On Them cheques are exchanged at the Central Bank the following day On Them cheques are exchanged electronically via the ACH during the same day Cheques received during the exchange are brought home, processed, and posted Files received from the ACH are immediately posted
17 So What s the Difference? Physical Exchange v. Electronic Exchange
18 So What s the Difference? Physical Exchange v. Electronic Exchange Processing and Posting Received Cheques v. Posting an Electronic File
19 So What s the Difference? Physical Exchange v. Electronic Exchange Processing and Posting Received Cheques v. Posting an Electronic File On Them Cheques will clear faster
20 So What s the Difference? Physical Exchange v. Electronic Exchange Processing and Posting Received Cheques v. Posting an Electronic File On Them Cheques will clear faster but still not as fast as On Us Cheques
21 So What s the Difference? Physical Exchange v. Electronic Exchange Processing and Posting Received Cheques v. Posting an Electronic File On Them Cheques will clear faster but still not as fast as On Us Cheques So, you re not impressed?
22 Add two transactions: Potential
23 Potential Add two transactions: Direct Credits you pay someone anyone
24 Potential Add two transactions: Direct Credits you pay someone anyone Direct Debits someone debits you by prior agreement
25 Potential Now some applications
26 Applications Payroll Credit any account anywhere any amount
27 Applications Payroll Credit any account anywhere any amount Pre arranged payments with prior agreement, debit any account anywhere any amount
28 Applications Payroll Credit any account anywhere any amount Pre arranged payments with prior agreement, debit any account anywhere any amount NIB payments
29 Applications Payroll Credit any account anywhere any amount Pre arranged payments with prior agreement, debit any account anywhere any amount NIB payments Insurance premiums
30 Applications Payroll Credit any account anywhere any amount Pre arranged payments with prior agreement, debit any account anywhere any amount NIB payments Insurance premiums Basically, what happens today will happen tomorrow, just quicker.
31 Applications Payroll Credit any account anywhere any amount Pre arranged payments with prior agreement, debit any account anywhere any amount NIB payments Insurance premiums Basically, what happens today will happen tomorrow, just quicker. If you submit a file to your bank you may have to change the format of your file.
32 Applications After the ACH is live, banks can offer enhanced products
33 Applications From your home, by way of Internet Banking: Pay anyone, anywhere, any amount The plumber
34 Applications From your home, by way of Internet Banking: Pay anyone, anywhere, any amount The plumber The travel agent
35 Applications From your home, by way of Internet Banking: Pay anyone, anywhere, any amount The plumber The travel agent The real estate agent
36 Applications From your home, by way of Internet Banking: Pay anyone, anywhere, any amount The plumber The travel agent The real estate agent The furniture store
37 Applications From your home, by way of Internet Banking: Pay anyone, anywhere, any amount The plumber The travel agent The real estate agent The furniture store School fees
38 Applications From your home, by way of Internet Banking: Pay anyone, anywhere, any amount The plumber The travel agent The real estate agent The furniture store School fees Credit Card bills
39 Applications From your home, by way of Internet Banking: Pay anyone, anywhere, any amount The plumber The travel agent The real estate agent The furniture store School fees Credit Card bills Utilities
40 Applications From your home, by way of Internet Banking: Pay anyone, anywhere, any amount The plumber The travel agent The real estate agent The furniture store School fees Credit Card bills Utilities Your nephew, the recent graduate
41 Applications From your home, by way of Internet Banking: Pay anyone, anywhere, any amount The plumber The travel agent The real estate agent The furniture store School fees Credit Card bills Utilities Your nephew, the recent graduate Alimony
42 Applications With your prior approval: Allow deductions to your account by any corporate entity, anywhere, any amount School fees
43 Applications With your prior approval: Allow deductions to your account by any corporate entity, anywhere, any amount School fees Credit Card bills
44 Applications With your prior approval: Allow deductions to your account by any corporate entity, anywhere, any amount School fees Credit Card bills Utilities
45 Applications With your prior approval: Allow deductions to your account by any corporate entity, anywhere, any amount School fees Credit Card bills Utilities Insurance premiums
46 Applications With your prior approval: Allow deductions to your account by any corporate entity, anywhere, any amount School fees Credit Card bills Utilities Insurance premiums Savings
47 Applications From your office: Cash Management between any account anywhere
48 Applications From your office: Cash Management between any account anywhere Vendor Payments (Look mom! No cheques!!)
49 Other Stuff When: project substantially on target for October
50 Other Stuff When: project substantially on target for October The design of cheques will change but this will be over time
51 Other Stuff When: project substantially on target for October The design of cheques will change but this will be over time The nuber of cheques will gradually reduced over time, being replaced by DDs and DCs
52 Other Stuff When: project substantially on target for October The design of cheques will change but this will be over time The nuber of cheques will gradually reduced over time, being replaced by DDs and DCs Increased functionality will be offered over time with the development of the ACH and Clearing Bank product offerings
53 Other Stuff When: project substantially on target for October The design of cheques will change but this will be over time The number of cheques will gradually reduce over time, being replaced by DDs and DCs Increased functionality will be offered over time with the development of the ACH and Clearing Bank product offerings Watch out! This will change the way you and your bank work together. Expect more for the same or less.
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