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Here comes the collection of paper

This article was translated by an automatic translation system, and was therefore not reviewed by people.


 


The Authorized Direct Debit will replace the slips of paper with electronic commands. Option is available in two months
Within two months, a new way to pay the bills for individuals and companies will be available on the market: the system of Interbank Payments (CIP) will begin officially authorized to issue direct debt, or simply ADD. This is being considered a first step on the way to eliminate the bank transfer form what is known today - and that in 90 years, represented the first "revolution" in the payment system.
Despite the proximity of the name, the new system has nothing to do with the direct debit payments of invoices. The DDA provides that instead of receiving the charges at the door of the house, the bank customer has available to the electronics of the IPC, directly linked to your Social Security or Tax ID numbers, and can access them by normal means banking - internet banking, auto physical-service, phone or directly to agencies.

With that in three years, the Brazilian Federation of Banks (Febraban) hopes to automate and eliminate the generation of paper up to 50% of monthly health insurance, benefits, invoices, credit card, finance houses and vehicles, among several other types that are part of the payment system daily. In 2008, these charges have generated about $ 2 a ballot paper, a number that can be translated into 1 million gallons of water, 46 million KW / hours and millions of kilograms of carbon dioxide.

First, companies

Although also the individuals and public, is the assessment that in the short term, the new system will benefit directly from companies - not least for banking services among businesses is very large compared to the individual. The Director of Business Products Itaú Unibanco, Sandra Boteguim, says the first time the DDA will be a product mainly for large companies paying (service consumers), but also directly affects commerce and industry in general affinity for the sectors accounting already have with the electronic banking systems.

"We estimate that nearly 9 out of 10 companies solve their banking transactions through direct mail. They must first feel the myriad advantages of ADI. In presentations we have done, almost all entrepreneurs join right away - the system is not very secret, is just the natural evolution of banking services. The financial system will be better in quality and speed, "he says. According Boteguim, part of the managing committee of the infrastructure system, nowadays the flow of charge from the issuing of slips by the transferor until the arrival of the drawee is usually 5 to 8 days, including the period of posting. From the DDA, the business cycle can be reduced to two days.

To reach the ADI to an individual, Professor of Management in Information Technology Veris IBTA, College of the Ibmec Educacional, Ricardo Castro says the neck is similar to what we have today access to banking services via cell phone (mobile banking ). "Since 2003 this service is available today is how to operate on the Stock Exchange of New York directly from the phone. But in fact few people use this service, while very few (and expensive) devices that allow the installation of applications for it, "he says.

So he sees the trend that the new system to achieve the first class A and B, which have more access to technology and higher education to deal with it. He admits it takes a while to adapt, however, it seems that such technology education is doing well in society. "The credit card itself suffered prejudice for a long time," he said, adding that today the plastic money is becoming more concentrated in the hands of the class C. Even among more mature people who are already detached from the need for a slip printed on paper and bank lines. "Today the generation that is 40 years already have ease to use internet banking and accept the other technological advances," he says.

Exceptions

Not all types of slip gain its electronic version in this first stage of implementation of DDA. Charges for utilities and taxes require an integration of all entities in the system. "Organizing information of local government is complicated. We assume that 'good is the enemy of great' to launch the system without the utilities and taxes, but because of the danger of not inaugurate it in 2012. In the future, the range can be expanded, "says the director of Itau Unibanco, Sandra Boteguim.

It will be out right now called the documents "recovery without registration," in banking jargon that represents those slips made by the company, without being sent to the banks and distributed by mail. Is the case of schools or condominiums, for example, that produce their own billet and distributed directly to shareholders or to the student. "These small customers should take longer to realize the features and migrate to the DDA," he says.



Source: Gazeta do Povo

This article was translated by an automatic translation system, and was therefore not reviewed by people.

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