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Kent County Council – SITRA visitPreLoaded CardsJackie LeavesleyRBS Commercial CardsRelationship Manager              1
Agenda      Introduction to Royal Bank of Scotland      Role as Relationship Manager      The journey with KCC        ...
Royal Bank of Scotland Group   Issuer of Commercial Cards since 1972   Largest commercial card issuer in Europe and No 1...
Role of Public Sector Relationship Manager      Work closely with portfolio of public sector programmes to understand nee...
The journey with Kent County Council      Initial approach from KCC Chief Executive in 2005      Vision for the future t...
Key Benefits               Control          Empowerment               Efficiency          Flexibility                     ...
PreLoaded Cards  A means of making regular payments to a cardholder   Features of a PreLoaded Card: Load cards upfront by...
Additional FeaturesRBS PreLoaded cards also feature: Additional cardholder facility Fastcash Encashment Diversion bill...
How the solution works      LA                                               RBS and Visa                         1. Pays ...
How the solution works…..Merchant restrictionsMCG NO.   MERCHANT CATEGORY GROUP                  MCG NO.   MERCHANT CATEGO...
Provider Engagement Key element of issuing the card is ensuring care provider will be  able to accept payment this way R...
ReportingManagement information: Cardholder spreadsheet on opening Monthly transaction files Cardholder files Quarterl...
Current position and going forward Kent County Council – first UK PreLoaded programme 11 other programmes live Many mor...
Questions    14
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Kent Country Council- PreLoaded Cards

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Transcript of "Kent Country Council- PreLoaded Cards"

  1. 1. Kent County Council – SITRA visitPreLoaded CardsJackie LeavesleyRBS Commercial CardsRelationship Manager 1
  2. 2. Agenda  Introduction to Royal Bank of Scotland  Role as Relationship Manager  The journey with KCC  PreLoaded Cards - Benefits - Functionality - How it works - Provider engagement - Reporting  Current position and going forward  Questions 2
  3. 3. Royal Bank of Scotland Group Issuer of Commercial Cards since 1972 Largest commercial card issuer in Europe and No 1 in the UK circa 25% market share (public sector 35%+) Extensive experience of managing large, complex card programmes Key player in Public Sector Dedicated Public Sector team Market leading B2B team to support supplier engagement Reputation for product innovation (first issuer of Purchasing Card and PreLoaded Card) Award Winning Commercial Cards business: - Winner of Best Corporate Social Responsibility Programme with Kent Card at Visa Europe Awards 2009 3
  4. 4. Role of Public Sector Relationship Manager  Work closely with portfolio of public sector programmes to understand needs and develop solutions  Range of card solutions available  Looking to innovate and drive forward new facilities, where there is demand  Many councils focus on corporate procurement ie stationery/office supplies  KCC has always had a strong Social Care focus and key products developed to meet these needs  Ongoing close working to develop the Kent Card  Many authorities monitoring Kent position and looking to emulate 4
  5. 5. The journey with Kent County Council  Initial approach from KCC Chief Executive in 2005  Vision for the future that service users would have all payments loaded onto a card  Product being requested did not exist  RBS developed the Kent Card to meet this need and launched in 2006  A learning experience on both sides and true partnership working  Functionality has developed as we understand more about this usage  KCC has become a role model for other authorities  Personalisation legislation has made high on agenda for other authorities  The journey continues as new applications are progressed 5
  6. 6. Key Benefits Control Empowerment Efficiency Flexibility 6
  7. 7. PreLoaded Cards A means of making regular payments to a cardholder Features of a PreLoaded Card: Load cards upfront by BACS payment All transactions pre-authorised Empowerment of cardholder - can use F2F or CNP More efficient process - replaces cash and cheque pmts Ability to control and monitor spend efficiently No need for separate bank accounts/ petty cash Ownership of funds and clawback 7
  8. 8. Additional FeaturesRBS PreLoaded cards also feature: Additional cardholder facility Fastcash Encashment Diversion billing Regular Management Information –monthly/weekly Cards On Line for administrator and cardholder Cardholder top-up Authority clawback of funds –death/incapacity Flexible loading 8
  9. 9. How the solution works LA RBS and Visa 1. Pays funds to bank 6. Management Info 2. Cards provided 5. Pays supplier Supplier Payment Recipient Physio Physio 4. Provides service 3. Orders service 7 9
  10. 10. How the solution works…..Merchant restrictionsMCG NO. MERCHANT CATEGORY GROUP MCG NO. MERCHANT CATEGORY GROUP1 BUILDING SERVICES 18 STATUTORY BODIES2 BUILDING MATERIALS 19 OFFICE STATIONERY, EQUIPMENT & ,SUPPLIES3 ESTATE AND GARDEN SERVICES 20 COMPUTER EQUIPMENT AND SERVICES4 UTILITIES AND NON AUTOMOTIVE FUEL 21 PRINT AND ADVERTISING5 TELECOMMUNICATION SERVICES 22 BOOKS AND PERIODICALS6 CATERING AND CATERING SUPPLIES 23 MAIL AND COURIER SERVICES7 CLEANING SERVICES AND SUPPLIES 24 MISC. INDUSTRIAL/COMMERCIAL SUPPLIES8 TRAINING AND EDUCATIONAL 25 VEHICLES, SERVICING AND SPARES9 MEDICAL SUPPLIES AND SERVICES 26 AUTOMOTIVE FUEL10 STAFF - TEMPORARY RECRUITMENT 27 TRAVEL11 BUSINESS CLOTHING AND FOOTWEAR 28 AUTO RENTAL12 MAIL ORDER/DIRECT SELLING 29 HOTELS AND ACCOMMODATION13 PERSONAL SERVICES 30 RESTAURANTS AND BARS14 FREIGHT AND STORAGE 31 GENERAL RETAIL AND WHOLESALE15 PROFESSIONAL SERVICES 32 LEISURE ACTIVITIES16 FINANCIAL SERVICES 33 MISCELLANEOUS17 CLUBS/ASSOCIATIONS/ORGANISATIONS 34 CASH 10
  11. 11. Provider Engagement Key element of issuing the card is ensuring care provider will be able to accept payment this way RBS Worldpay will work closely with authorities to ensure providers are able to accept card payments A range of solutions available to the provider however there will be a cost Solutions permit providers to accept all credit and debit cards Cost for acceptance balanced against earlier receipt of monies, reduced admin and providing the service their customers require As use of PreLoaded cards develops, provider acceptance will grow Fastcash facility for clients who wish to employ a PA 11
  12. 12. ReportingManagement information: Cardholder spreadsheet on opening Monthly transaction files Cardholder files Quarterly balance files Available as regularly as required Downloadable securely in Excel format so can manipulate Information available for auditing process 12
  13. 13. Current position and going forward Kent County Council – first UK PreLoaded programme 11 other programmes live Many more in pipeline Much interest due to personalisation agenda All current programmes utilising PL cards for same purpose as KCC….disability care payments PHB to be piloted shortly Also progressing Children and Families Product continues to develop and frequent new requests for usage Banks are learning from authorities and other public and private sector bodies what is required = new functionality Phasing out of cheques will increase demand 13
  14. 14. Questions 14
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