Mounasree Geddam

·Business Focused Problem Description 

 The system is allowing to create customers direct debit mandates. As payments and remittances can be made from different bank accounts, several mandates must be created and signed for each customer even if they have same Direct Debit ID.

·        During customer payment journal or remittance journals as there are multiple customers and multiple bank accounts (Aguirre), with multiple mandate id’s per customer due to actual system limitations it will be difficult to select the right mandate per payment transaction which is exactly related to the specific bank.

·        What is the business impact to the customer? Customer expecting only one direct debit mandate for each customer when same Direct Debit Id is identified for banks. This is an important limitation for companies that work with discount lines agreements with banks. Customers don’t define the bank at customer level but at payment or remittance level depending on the available credit with the bank or cash flow situation. Only one mandate is signed with the customer and can be used with any of the company bank accounts using the same Direct Debit Id identified as identified in the mandate.

Actual Results: The system is allowing all customers direct debit mandates during customer payment journal and as there are multiple customers, there will be multiple mandate id’s and it will be a difficult to select the mandate which is exactly related to the specific customer.

Expected results: The system should allow to maintain one mandate in case the customer bank account and the direct debit id in the company bank account is the same. In this way it forces to have just one mandate and always use the same bank account as we cannot ask a customer to sign several mandates.