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

2. BANK WIZARD

3. “Without bank account validation, most organisations experience 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 organisations experience 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%* 600,000* 14% per year *Source: ONS 1.2 m

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

16. Assess the state of your data Employ QAS data audit 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. Solution? – Use QuickAddress Batch to clean and suppress Stage 2a

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

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 Electronic authentication Database OR

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”

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

42. Functional Overview Authenticate Capture Fields 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 PAFER Name Address Data Input Yes No Authentication Index Authentication Secure Internet Connection Validation Verification High Risk Alerts Matches RDC

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

44. Thank you for listening