RepORt Cheque OptimizatiOn September 2012
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1 REPORT Cheque Optimization September 2012
2 Cheque Optimization Contents Preface...3 Introduction...4 The Australian cheque market...5 The Brazilian cheque market...9 The British cheque market...13 The French cheque market...20 The Indian cheque market...24 The Italian cheque market...32 The Turkish cheque market...37 The South African cheque market...41 Findings from survey...44 Conclusions...57 Acknowledgements...59 About us
3 Preface Efma and Panini are proud to present this report on cheque optimization which brings together some very interesting findings from across the globe. In this report you ll find insight from the eight countries that provide the best examples of cheque use and innovation, looking at those which have the highest cheque volume, those who have already discussed solutions around cheques, associated costs and alternatives and those who have followed the US example of image-based cheque truncation. This information is supported by a wealth of information from central banks, payments councils, financial institutions in each country and cheque clearing providers. In addition to this you ll find the results of our survey, which was distributed among financial institutions, IT companies, professional associations and payment service providers from the eight countries described in the report during the first half of Through a series of online surveys and telephone interviews we sought some fascinating perspectives on the evolution of cheque usage, trends in cheque processing and clearing, the costs associated with cheques and opinions about trends surrounding cheque frauds. We hope you find the report both informative and useful. Patrick Desmarès Secretary General Efma Kety Frachey International Marketing Manager Panini 3
4 Acknowledgements Arun Kendall, APCA (Australia) Walter Tadeu Pinto, Febraban (Brazil) Maria Smyth, UK Payments (UK) Barbara Pelliccione, ABI (Italy) Koray Kaya, Turkish Credit Bureau (Turkey) Dave Mitchell, National Payment System Department (South Africa) Romeo Goncalez, Panini (Brazil) Jamie Heinemann, Panini (USA) Michael Pratt, Panini (USA) Guillaume Lepecq, Agis Consulting (France) Roel Van Anholt, VU University Amsterdam (Netherlands) Rhintany Rara Putri, VU University Amsterdam (Netherlands) Richard Hartung, Transcarta (Singapore) Caroline Crosdale, freelance writer (United States) Jacqui Griffiths, freelance writer (United Kingdom) Fahim uz Zaman, freelance writer (India) 59
5 Cheque Optimization About us As a global not-for-profit organisation, Efma brings together more than 3300 retail financial services companies from over 130 countries. With membership from almost a third of all large retail banks worldwide, Efma has proven to be a valuable resource for the global industry, offering members exclusive access to a multitude of resources, databases, studies, articles, news feeds and publications. Efma also provides numerous networking opportunities through work groups, online communities and international meetings. For more information: Efma 8, rue Bayen, Paris France Tel Founded in Turin, Italy, Panini has enabled clients to capitalize on shifts in the global payments processing market for more than sixty years. Panini has a rich history of technology innovation, leveraging the company s expertise in research & development. Panini s market leading solutions are based on state-of-the-art engineering resources and ISO-9000 quality certified production. Panini offers check capture solutions that enable customers to fully realize the advantages and efficiencies available with the digital transformation of the paper check. Panini s scalable check capture solutions address the complete range of distributed check processing opportunities including teller capture, back-counter capture, remote deposit capture and remittance processing. For more information: 60
6 AGIS Consulting is an independent strategy consulting firm, specializsed in retail payments, including cash, cards and other payment instruments. AGIS was founded in 2001 in Paris and has since developed a worldwide network of partners. The global retail payments market is facing tremendous change, under the combined pressures of evolving regulation, technological innovation and socio-economic factors. AGIS aims at providing its clients with out-of -the box thinking, in order to anticipate the changes in the market and develop customized value-added solutions. Clients range from financial institutions, to payment service providers, to soft and hardware vendors. For more information: The VU University Amsterdam The VU University Amsterdam, located in The Netherlands, contributed to the research that underpins the findings of this report. Roel van Anholt (PhD candidate in cash logistics) and Rhintany Rara Putri (Master student in Business Administration - Transport and Supply Chain Management) have applied scientific methods and tools to ensure a high quality report with neutral and objective outcomes. The collaboration with EFMA and Panini has been mutually beneficial. From an academic point of view, participating in conducting this research has been favorable for Roel and Rhintany as well. For questions, please contact Roel van Anholt: r.g.van.anholt@vu.nl 61
7 cheque optimization September 2012
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