BANK WIZARD

1. BANK WIZARD Bank account verification Presented by: Aidan Sparrowhawk Date: 18th September 2007

2. BANK WIZARD

3. BANK WIZARD “Without bank account validation, most organisationsexperience a data entry error of between 2% and 8%. It is estimated that the cost of these errors to UK businesses is £1.56bn each year.” “50 million Direct Debits and 2 million Direct Credit rejections each year resulting in delayed receipt of payments.” “…an average cost of £30 to fix each rejected payment.” BACS Research May 2007 “Without bank account validation, most organisationsexperience a data entry error of between 2% and 8%. It is estimated that the cost of these errors to UK businesses is £1.56bn each year.” “50 million Direct Debits and 2 million Direct Credit rejections each year resulting in delayed receipt of payments.” “…an average cost of £30 to fix each rejected payment.” BACS Research May 2007

4. Bank account validation QAS, George West House, Clapham, London, SW4 0QL 5.QAS Ref

5. Benefits • Ensure details can exist • Supplement/correct data provided • Pick up errors at point of capture

6. Implications of getting it wrong • Financial (£30 average to fix) • Administration • Reduced citizen perception

7. Benefits of getting it right • Improve collection/payment processes • Save transactional and administrative costs • Free up resources

8. Why BANK WIZARD? • A leading bank account validation system • Valid and accurate bank data • Supports rigorous validation requirements • Regular updates

9. What our customers say… “Direct Debit is our preferred payment collection methods for a range of services – BANKWIZARD allows us to process payments efficiently and sits perfectly alongside our mission statement to bill and collect local taxes efficiently and effectively and continuously improve our services” Malcolm Hayward, Wolverhampton City Council

10. Using suppression for proactive data quality improvement Presented by: Elaine Roche

11. Database degradation 13%* 14% per year 600,000* 1.2 m *Source: ONS

12. What is Suppression data? • Goneaway / Movers • Change of Address • Deceased • Preference Service

13. QuickAddress Batch with Suppression “86% of respondents see clear benefits to suppressing data” QAS suppression research July 2007

14. Ability to make informed decisions on accurate data – 39% Compliance 42% Improved citizen Perception 79% Why does suppression matter?

16. Stage 1 • Assess the state of your data • Employ QAS data audit

17. Stage 1

18. Stage 2 • What can you do about it? – Use QuickAddress Batch to clean your database

19. Stage 2

20. Why? • Because data isn’t static • E.g. Elaine Roche • Aug 04: Moved Cork, Ireland Gunnersbury Ave, Acton • Aug 05: Moved Gunnersbury Ave, Acton Honeywell Rd, Clapham • Aug 06: Moved Honeywell Rd, Clapham Balham Grove, Balham • Name and address captured pre-2006 is no longer accurate • Valuable contact information lost

21. Stage 2a • Solution? – Use QuickAddress Batch to cleanand suppress

22. Stage 2a

23. Stage 3 – Use QuickAddress Batch to maintain over time

24. Benefits of suppression • Cost savings • Improved citizen perception • Reduced risk of fraud • Compliance • Internal joined up working • Ability to make informed decisions based on accurate data

25. What can you do next? • Request free data health check • Contact your account manager for a free copy of Butler Group Technology Audit www.qas.co.uk/batchwithsuppression

26. Electronic Data Updates Making your life easier

27. Dislikes

28. Presenting EDU

29. What does it mean to you? • Improves processes • No regular data updates • One less task on your to do list • Impact on level of service • Consistent service • Distribute benefits correctly/tackle fraud

30. What does it mean to you?

31. Authentication for the public sector Presented by: James Blake

32. Authenticate

33. Scale of the problem ID theft 'costs UK £1.7bn a year‘ ‘£35/person’ Home Office Minister Andy Burnham Feb 2006 “In 2006-07 benefits thieves stole an estimated £700 million of public funds.” Department for Work and Pensions

34. Where do you authenticate individuals? • Where do you authenticate citizens? • Revenues and Benefits • Parking permits • Self service • HR • Contact channels • Face to face • Via post • Contact centre • Websites

35. How can you authenticate customers? Documentary evidence OR Database Electronic authentication

36. What currently does “proof of identification” mean? Typical Requirements: • Photo proof • Passport, Driving License • Proof of address • Driving License, Utility Bill • Fake ID’s • Stolen ID’s

37. How to commit ID Fraud

38. “You name it we fake it” How to commit ID Fraud

39. What’s the cost of doing it this way? • Processing/Storage • Training • Customer Service

40. What is electronic authentication? Proves your customers identity by comparing bio-graphical information given at point of application against data held within authoritative databases

41. ….does James Blake exist? ….am I James Blake? What is Authenticate for Public Sector? • Validation Proving an identity exists • Verification Proving the applicant is the owner of that identity

42. Validation Data Input Authenticate Capture Fields Name Address Secure Internet Connection Validated Name and Address Date of Birth Time at address Former Addresses Time at these addresses Male or Female Telephone Numbers No of Dependents Bank Details Owner Occupier PAF ER Yes No Authentication Index Verification Authentication Functional Overview RDC Matches High Risk Alerts

43. What are the benefits? Paperless process Customer service Compliance Fraud

44. Thank you for listening