Prepaid cards: a curtain call foch r ecks - Conduent...Prepaid cards: a curtain call for checks...

PayrollCard

MR J SMITH

25477899

EXPIRES 11/20

PAYTO THE ORDER OF

:123456789: 1 265 785 1005100

$254.00

My balance

Payment received

Prepaid cards: a curtain call for checks Preparing for payments after paper

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:123456789: 1 265 785 1005100

Prepaid cards: a curtain call for checks

2

The curtain is finally coming down on checks’ starring role in business and finance. Young people barely know what they are. Companies in Europe see them as a relic. And in the United States, the government stopped issuing checks for social security payments long ago. (We know this because we manage the prepaid card system that replaced them.)

Exit stage left

conduent.com

https://www.conduent.com

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Some

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checks:

Use of checks peaked in the

U.S. in 1990 – and have

declined annually since

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Some

facts

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checks:

20% of U.S. millennials say

they have never used a check

to pay a bill

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facts about checks:

According to a recent Federal Reserve Bank of San Francisco survey, fewer than 1% of under 35s prefer checks to other payment methods, compared with 8% of those older than 65

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3conduent.com

Exit stage left

But the show isn’t quite over yet. Across corporate America, costly checks are still being issued for everything from paying employees, to paying pensions, to bills. This is surprising when you consider the many disadvantages of checks:

• An average administrative cost of $6 or more per issued check.1 (The cost can be much higher when check disbursement isn’t part of an automated process)

• The administrative inefficiencies associated with checks (including the scope for error and waste)

• The cost to overnight checks to retail or satellite locations

• Their snail-like speed

• The expense of replacing them if lost or stolen

• The fraud risk

• The many inconveniences for receivers – including: Having to pick up checks or wait for them in the mail; time-consuming bank visits to cash them; annoying cashing fees; the inability to shop online with cash

• The environmental cost of the paper and the resources needed to collect and deliver them

• When the downsides of checks are added up, the fact that they’re still in existence can seem a little bewildering

1Institute of Management and Administration, 2010 AP benchmarking study.



4conduent.com

So it’s interesting to pose the question: What’s stopping companies from moving away from cutting checks?

It’s true that they are a tried and tested way to pay workers who do not have a bank account.

But there’s another payment form that offers these benefits while providing the flexibility, speed and simplicity that bank-centric payment options fail to offer.

Welcome to the prepaid era.

Why checks

Payroll

Card

MR J S

MITH

254778

99EXPIRES

11/20

PayrollCard

MR J SMITH

25477899

EXPIRES 11/20

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5conduent.com

When you put checks up against prepaid cards, it’s anything but a fair fight. Prepaid is the Facebook to check’s MySpace. The iPhone to the Blackberry.

That’s why, in only a decade or so, prepaid cards have become a highly valuable tool for tens of thousands of U.S. companies – and many millions of U.S. workers.

But the uses for prepaid cards extend far beyond payroll – into all areas of corporate payments. And the potential doesn’t stop there. The future of prepaid is moving beyond plastic cards into mobile applications.

The rest of this short workbook will guide you through these opportunities. Learn how to go about cutting out checks – and making the move to prepaid.

The prepaid era

Future

My balance

TransactionsPayroll

Card

MR J SMITH

25477899

EXPIRES 11/20

PAYTO THE ORDER OF

:123456789: 1 265 785 1005100

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6conduent.com

Has your company ever compiled an inventory of check disbursements? The list might contain some (or even all) of the following:

• Payroll

• Travel

• Paying bills

• Pensions

• Bonuses

• Insurance payouts

• Termination pay

All of these payments could easily be made as part of a prepaid program instead. Let’s examine the benefits this switch can bring a company.

Check channels


conduent.com


7

With prepaid cards, companies can save money on processing (and re-processing) disbursements.

Furthermore, when companies have a prepaid payment solution managed by an experienced and reputable provider, they get the benefit of:

• Administrative efficiencies, fewer errors and less waste

• Better security and fraud prevention

• Cost reductions

• Smarter spend analysis

• Increased satisfaction among customers and employees

Using a prepaid card to pay individuals or businesses is as simple as a bank transfer because prepaid cards have routing and account numbers, which can easily be added to an employer’s payments system. Furthermore, they offer better controls and visibility over cash management than check systems.

A prepaid payment program presents an opportunity to consolidate and simplify disbursements company-wide – saving time, money and resources. Meanwhile, payment recipients will benefit from the flexibility, speed and simplicity that prepaid offers. Mailing delays can be minimized, funds can be accessed more easily, fraud protection is enhanced and use of a card minimizes the risk of losing funds due to theft. And for people who don’t have a bank account, high fees can become a thing of the past.

Making the change


of U.S. consumersuse a prepaid card

of them aremillennials

25%

45%

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In fact, more workers, especially the young, are questioning traditional payment methods, electing to sidestep banks altogether. The 2014 Federal Reserve Bank of Philadelphia study found:

• 25% of U.S. consumers use a prepaid card

• Of them, 45% are millennials (aged 18-32)

• More millennials use prepaid cards than credit cards

• And the best-paid millennials use their prepaid cards more than less well-off peers

These are important statistics for companies. Because winning and retaining the best talent is about way more than how much an employee is being paid. It’s about how they are paid. It’s about giving them convenience – and the best service to support their needs.

The faster companies make the simple and inevitable sidestep from checks to prepaid cards, the more benefits they can deliver customers and stakeholders, and the more savings they can realize for themselves.

That’s why companies across the U.S. are rapidly ditching checks in favor of prepaid paycards. This change is being driven by popular demand as well as the need for businesses to remain competitive and efficient. As more people, especially newer generations, increasingly use e-payments and paycards in their private lives, businesses need to meet their expectations by offering similarly convenient products.

The choice of millennials


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But the case for switching is set to become even more compelling for companies as prepaid cards and mobile banking converge.

As technology develops, businesses and individuals will increasingly want to receive funds via their mobile devices.

Watch for new prepaid applications on the horizon – because the world of disbursement is set to become very interesting.

A curtain call for plastic too


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A mobile-friendly prepaid disbursement solution will open the door to many attractive benefits as it meets the deepest payment needs of your customers, partners, staff, temporary workers and freelancers:

• Flexible pay options can be offered to staff or freelancers with minimum administrative effort. For example, some might prefer to be paid daily or weekly rather than monthly

• Bonuses or rewards can be paid out instantly, making them more relevant and contextual

• Travel and expense payments can be sped up and simplified

• Store discount schemes can be easily set up and offered to recipients through partnerships with specific merchants

Future flexibility

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OvertimeExercise TargetsMiles Driven


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In the near future, a mobile-enabled prepaid system could also feature automation technology that plugs prepaid into the Internet of Things. For example, a prepaid system could automatically:

• Reimburse employees for work miles driven in personal vehicles

• Reward employees who meet exercise targets on their wearable fitness devices

• Pay overtime based on swipe-card data from digital time and attendance recorders or punch clock systems

It’s an exciting future for anyone involved in disbursement who likes to make people happy and cut costs – without having to work too hard.

Future flexibility



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Cutting out cutting checks in favor of a prepaid solution can be a straightforward process. But there’s a list of things to do to make sure your program is successful:

1. Take inventory of all the instances you issue checks. Then figure out an alternative payment solution for each. You’ll probably find prepaid suits many, if not all of them. A practical step could be to list all your check-disbursement channels. You might end up with a list that looks like this:

Preparing for prepaid

Payroll

Pension

Corporate purchasing

Overpayments/credits

Relocation

Restitution

Travel expenses

Entertainment expenses

Customer incentives

Customer refunds

Customer service issues

Competition prizes

Loyalty program

Rebates

Survey payments

Cross promotions

Employee onboarding

Project-based compensation



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2. Establish goals and success criteria for a new disbursement program.

3. Communicate the benefits of your new program to everyone in the company. For procurement, the main benefit might be working with a single trusted vendor instead of numerous vendors providing check-cutting services. For finance, the lure might primarily be cost and resource savings. For HR, there’s the attraction and retention of personnel. For sales, the chance to please existing customers and win new ones.

4. Choose a prepaid solution provider with scale and experience, as well as an understanding of prepaid-specific fraud together with the systems and processes to combat it.

5. Work in conjunction with your disbursement partner to ensure payees receive the most efficient and economical prepaid product.

6. Educate employees about how to optimize benefits and avoid paying fees to access cash.

7. Federal and state laws can be complex. Work with a partner that understands the regulatory and compliance landscape, and can provide appropriate ongoing guidance.

8. Communicate to payment recipients why, how and when you are changing their payment method. Clear communication will mitigate uncertainty and inform stakeholders of benefits.

The next act


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Future

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Checks are on their way out. Maybe not today, maybe not tomorrow. But companies will have to stop issuing them in the near future. Meanwhile, prepaid solutions are just getting started.

And they’re already extremely popular with young adults. When mobile and prepaid become fully integrated, expect the appetite for prepaid to go through the roof.

It’s inevitable. Prepaid payments on mobile platforms will soon be a preferred method of company disbursement. Ditching cutting checks in favor of a prepaid program now will ensure you have a consolidated, scalable and flexible solution, so you’re ready for the coming changes.

If you need help, advice or further encouragement to switch, come and talk to us. We’d be happy to pass on what we know.

The next act



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Further reading

We hope you enjoyed this workbook. Further reading on prepaid payroll cards is available at:

View SlideShare >

PayrollCard

MR J SMITH

25477899

EXPIRES 11/20

The new era of payrollPaycards are changing – here’s what you need to know


https://www.conduent.com/insights/digital-payment-solutions/payroll-program/

https://www.conduent.com/insights/digital-payment-solutions/payroll-program/

© 2017 Conduent Business Services, LLC. All rights reserved. Conduent™ and Conduent Design™ are trademarks of Conduent Business Services, LLC in the United States and/or other countries.

About Conduent

Conduent is the world’s largest provider of diversified business process services with leading capabilities in transaction processing, automation, analytics and constituent experience. We work with both government and commercial customers in assisting them to deliver quality services to the people they serve.

We manage interactions with patients and the insured for a significant portion of the U.S. healthcare industry. We’re the customer interface for large segments of the technology industry. And, we’re the operational and processing partner of choice for public transportation systems around the world.

Whether it’s digital payments, claims processing, benefit administration, automated tolling, customer care or distributed learning – Conduent manages and modernizes these interactions to create value for both our clients and their constituents. Learn more at www.conduent.com.


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