Eviden offers an alternative payment mechanism to Direct Debit as part of any collections mix. Built on AWS services and Open Banking TPP OrdoPay, a FCA regulated payment as a service provider, Eviden have built an intelligent recommendations and notifications platform allowing customers to pay their dues across multiple funding sources; efficiently and effectively. This containerized solution runs on EKS and leverages Aurora, SQS and RedShift to provide customers and users with a fast and easy-to-manage experience.

It is a means for citizens / customers to take control of their payment dues allowing regular payments to suit their needs from one or more funding sources. Within the application is the means to spot vulnerable citizens/customers and provide flexibility on when and how they meet their dues, rather than relying on a single payment, on a specified date, from a single account i.e. Direct Debit which in many cases will fail due to funding constraints.

The system proactively monitors citizen/customer AIS (Account Information Service) data through a consented sign-up process (regulated by the FCA) and is able to make recommendations for one or multiple payments over a course of a month to ensure customers meet their dues; or have made effort to pay towards outstanding dues. Each month the recommendations will suggest the right options to help the customer keep on top of any payments they are required to make.

FlexiPayments helps customers stay away from arrears, and costly debt collection services by empowering them to take control of their ability to pay. The system proactively supports them with cash flow management and takes reasonable steps not to push a customer into further unmanageable arrears.

By taking advantage of AWS managed container services, database services, queuing services, security services, and identity and access services, administrating the Intelligent FlexiPayments environment is as easy to manage as it is to use. Typically, the cost per transaction is lower than that of Direct Debit and is always lower that credit card.