{"text_format":"1","workbook":"xlsx","n_sheets":4,"sheets":["Form","Consent","Business Rules","Archive"],"not_rendered":{"charts":0,"images":33,"macros":1,"external_links":0,"defined_names":31,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Form","index":0,"n_rows":102,"n_cols":5,"rows_kept":102,"cut":false,"hidden":false,"merged":[[24,1,33,19],[21,1,22,19],[1,1,2,19],[20,0,20,16383],[5,1,19,19],[101,1,101,19],[35,1,37,3],[73,1,83,3],[35,4,37,19],[52,1,53,3],[52,4,53,19],[38,1,50,19],[93,1,93,19],[62,1,63,3],[62,4,63,19],[67,1,68,3],[67,4,68,19],[70,4,70,18]]}
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[null,"Instant Payments Awareness Tool:\nOutbound Payments (B2B or B2C)"]
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[null,"Thank you for your interest in Instant Payments!*\n\nThe Faster Payments Council (FPC) has partnered with Deloitte to help businesses and corporates, such as your organization, understand the benefits of Instant Payments, identify appropriate use cases to maximize benefits and help you fast track the business case development. \n\nIn order to help your organization achieve these objectives, we have developed this short Outbound Payments Assessment Tool (below) to help you identify Instant Payments related opportunity areas for your organization, based on your outbound payments mix (Business to Business or Business to Consumer) and organizational priorities. This should not take more than 5 minutes of your time, and provide immediate directional information regarding the potential payback for instant payments adoption. Please note that clicking calculate will not cause any information entered to be shared with Deloitte, the FPC, or any other party. All data remains on your computer until and unless you decide to send the filled in tool to Deloitte and participate in a 1 hour discussion to further understand the opportunity areas (Refer Tool 3 in the Instant Payments Adoption Readiness - Self Assessment Toolkit).\n\n*Instant Payment is an electronic retail payment solution available 24/7/365, resulting in the immediate or close-to-immediate interbank clearing of the transaction and crediting of the payee’s account with confirmation to the payor (within seconds of payment initiation)"]
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[null,"Please feel free to reach out to the Deloitte at usrtppractice@deloitte.com, with the subject-line  \"Instant Payments Self Assessment | Business <Name of your organization>\", in case you have any questions. Please note, none of this data will be saved or used by Deloitte in any shape or form."]
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[null,"Question 1: ",null,null,"What is the % volume of transactions that your organization processes for the below payment instruments?\n(Please select the applicable payment method by using the check box, and proceed to select the applicable range of outbound payment volume for the selected method)"]
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[null,"Question 2: ",null,null,"What is your organization's goal? Please indicate the weightage based on priority.\n(Please ensure the total of the weightages do not exceed 100)"]
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[null,"Question 3: ",null,null,"Have you started implementing Instant Payments solutions?"]
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[null,"Question 4: ",null,null,"What were / are some of the biggest challenges / impediments your organization faced / is facing while implementing Instant Payments solutions?"]
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[null,null,null,null,"Please type in your answer here"]
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[null,"This tool contains general information only and Deloitte is not, by means of this tool, rendering accounting, business, financial, investment, legal, tax, or other professional advice or services. This tool is not a substitute for such professional advice or services, nor should it be used as a basis for any decision or action that may affect your business. Before making any decision or taking any action that may affect your business, you should consult a qualified professional advisor. Deloitte shall not be responsible for any loss sustained by any person who relies on this tool. "]
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[null,"To discuss more about the opportunity areas, save your results and share it with Deloitte at usrtppractice@deloitte.com, with the subject-line  \"Instant Payments Self Assessment | Business <Name of your organization>\" to schedule a business discussion."]

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[null,null,null,null,"I understand that any data or information provided by me as part of this tool may be used by Deloitte in connection with this tool, other studies, or analyses performed by Deloitte or in connection with services provided by Deloitte or otherwise.\n\nI understand that any such data or information may be disclosed by Deloitte to related entities or other third parties, including, without limitation, in publications, in connection with this tool or such studies, analyses, or services, provided that such data or information does not contain any information that identifies me or associates me with the responses I have provided to this tool.\nI understand disclosure of such data or information may be required by law, in which case, Deloitte will endeavor to notify me.\n\nI understand that this tool and the tool results are the proprietary property of Deloitte.\n\nDeloitte is not responsible for any loss sustained by any person who relies on the tool results.\nI am permitted to respond to the tool questions pertaining to my company including, without limitation, in accordance with the policies of my company and its board of directors (or similar governing body). \n\nBy participating in this tool, I agree to the statements above.\n\nIf you do not agree with the statements above, do not participate in this tool."]

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[null,"The 'Outcome' column is directly linked to the recommendation in the accelerator. Please be careful while editing"]
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[null,"Payment Method Selected","Range Selected (%)","Org Priority Selected","Range Selected","Outcome"]
[null,"Checks ",">30%","Cost reduction in Payments Processing",">30%","Up to 100% (average 50%-80%) elimination of check mailing, printing costs etc. (which is typically $7.78 / check payment) with customers migrated to more cost efficient alternative, instant payment methods"]
[null,"Checks ",">30%","Superior Customer Service",">30%","Improvement in customer NPS by 1-5 points by adopting digital payment choices such as Instant Payments to make payments instantly. With Instant Digital Payment Methods, customers no longer have to wait for 10-15 days to receive a check, worry about losing checks in transit, or try to trace the status of their checks"]
[null,"Checks ",">30%","Risk Reduction and Improve Efficiencies",">30%","36% improvement in reconciliation processes, reduction in risks through more efficient back office processes ( avoid processes associated with using checks like check bouncing, lost in transit, etc.) by optimizing the payment portfolio of offered payment choices "]
[null,"ACH Credit",">30%","Superior Customer Service",">30%","Improvement in customer satisfaction score by offering more payment choices which can provide instant gratification. Merchants can offer Instant Payments as a secondary disbursement method which is as cost effective as ACH, but with superior customer experience "]
[null,"ACH Credit",">30%","Risk Reduction and Improve Efficiencies",">30%","Improvement in operational efficiencies by optimizing the payment portfolio and offering instant payment methods that provide straight through processing and allows rich data (remittance data) to be coupled with the transaction"]
[null,"Wires",">30%","Cost reduction in Payments Processing",">30%","50-60% reduction in wire payment costs (which is typically $0-$30 per wire transfer) by moving to digital payment methods such as Instant Payments in near term"]
[null,"Wires",">30%","Superior Customer Service",">30%","Improvement in customer satisfaction score by providing more payment choices such as Instant Payments that provide more security and visibility of the transaction, along with the ability of the customer to receive payments instantly"]
[null,"Other alternative Payment Methods (e.g., PayPal, Digital Wallets, Zelle, Prepaid cards, Push to Debit)","0-30%","Superior Customer Service",">30%","Improvement in customer satisfaction by offering more payment choices (e.g. Instant Payments, Digital Wallets, Zelle etc.) in order to provide better control and convenience to the customer in receiving regular payments"]
[null,"Debit Cards / Push to debit",">30%","Risk Reduction and Improve Efficiencies",">30%","Reduction in risks associated with non digital payment methods and optimizing the payment portfolio by offering instant payment methods that offer operational efficiencies such as straight through processing"]
[null,"Credit Cards",">30%","Risk Reduction and Improve Efficiencies",">30%","Reduction in risks associated with credit cards (e.g. fraud) by identifying efficient fraud monitoring mechanisms. Partnering with the best payment provider suited to your business, and optimizing the payment portfolio by offering instant payment methods can further result in operational efficiencies such as straight through processing"]
[null,"Other alternative Payment Methods (e.g., PayPal, Digital Wallets, Zelle, Prepaid cards, Push to Debit)",">30%","Revenue Enhancement",">30%","Increase in revenue by using alternative payment methods (e.g. prepaid cards, push to debit, virtual cards) that offer cashbacks, discounts and cash rebates on monthly spend while making vendor or supplier payments"]
[null,"Placeholder text for question 5","Please type in your answer here"]

{"sheet":"Archive","index":3,"n_rows":33,"n_cols":16,"rows_kept":33,"cut":false,"hidden":true,"merged":[]}
["Sr.No","FPC Member","Industry",null,"Checks","Push to Debit","Credit Cards","ACH Credit","Wires","Other alternative payment methods",null,"Cost reduction in payment processing","Superior Customer Service","Risk Reductions and Improved efficiencies",null,"Suggestion"]
[1,"Yes","sdf",null,"30% - 60%",null,null,null,null,"0 - 10%",null,60,10,null,null,"We have seen a typical company observe :- \r\n- Upto 100% (average 50%-80%) elimination of check mailing, printing costs etc. (which is typically $7.78 / check payment) and customers migrated to alternative, faster payment methods which are more cost efficient\r\n"]
[2,"Yes","e",null,"30% - 60%",null,null,null,null,null,null,100,0,0,null,"We have seen a typical company observe :- \r\n- Upto 100% (average 50%-80%) elimination of check mailing, printing costs etc. (which is typically $7.78 / check payment) and customers migrated to alternative, faster payment methods which are more cost efficient\r\n"]
[3,"Yes","e",null,"30% - 60%",null,null,null,null,null,null,100,0,0,null,"We have seen a typical company observe :- \r\n- Upto 100% (average 50%-80%) elimination of check mailing, printing costs etc. (which is typically $7.78 / check payment) and customers migrated to alternative, faster payment methods which are more cost efficient\r\n"]
[4,"Yes","e",null,"30% - 60%",null,null,null,null,null,null,3,3,3,null,"Please contact Deloitte Cross Industry Payments to discuss potential opportunity area(s)."]
[5,"Yes","asc",null,"30% - 60%",null,null,null,null,null,null,"ca",null,null,null,"Please contact Deloitte Cross Industry Payments to discuss potential opportunity area(s)."]
[6,"Yes","retail",null,"30% - 60%","30% - 60%",null,null,null,null,null,25,25,30,null,"We have seen a typical company observe :- \r\n- 36% improvement in reconciliation processes, reduction in risks through more efficient back office processes ( avoid processes associated with using checks like check bouncing, lost in transit, etc.) by optimizing the payment portfolio of offered payment choices \r\n- Improvement in customer satisfaction score by providing more payment choices such as Faster Payments that provide more security and visibility to the transaction, along with the ability of the customer to receive payments instantly\r\n"]
[7,"Yes","asdf",null,"30% - 60%","0 - 30%",null,null,null,null,null,80,20,null,null,"We have seen a typical company observe :- \r\n- Upto 100% (average 50%-80%) elimination of check mailing, printing costs etc. (which is typically $7.78 / check payment) and customers migrated to alternative, faster payment methods which are more cost efficient\r\n"]
[8,"Yes","asd",null,"30% - 60%",null,null,null,null,null,null,null,null,null,null,"Please contact Deloitte Cross Industry Payments to discuss potential opportunity area(s)."]
[9,"Yes","aS",null,"30% - 60%",null,null,null,null,null,null,100,null,null,null,"We have seen a typical company observe :- \r\n- Upto 100% (average 50%-80%) elimination of check mailing, printing costs etc. (which is typically $7.78 / check payment) and customers migrated to alternative, faster payment methods which are more cost efficient\r\n"]
[10,"Yes","axa",null,"30% - 60%",null,null,null,null,null,null,100,null,null,null,"We have seen a typical company observe :- \r\n- Upto 100% (average 50%-80%) elimination of check mailing, printing costs etc. (which is typically $7.78 / check payment) and customers migrated to alternative, faster payment methods which are more cost efficient\r\n"]
[11,"Yes","X",null,"30% - 60%",null,null,null,null,null,null,100,null,null,null,"We have seen a typical company observe :- \r\n- Upto 100% (average 50%-80%) elimination of check mailing, printing costs etc. (which is typically $7.78 / check payment) and customers migrated to alternative, faster payment methods which are more cost efficient\r\n"]
[12,"Yes","asdf",null,"60% - 100%","60% - 100%",null,null,null,null,null,90,2,2,null,"We have seen a typical company observe :- \r\n- Upto 100% (average 50%-80%) elimination of check mailing, printing costs etc. (which is typically $7.78 / check payment) and customers migrated to alternative, faster payment methods which are more cost efficient\r\n"]
[13,"No","asdfg",null,"60% - 100%","60% - 100%","60% - 100%","60% - 100%","60% - 100%"," > 50%",null,25,25,25,null,"Please contact Deloitte Cross Industry Payments to discuss potential opportunity area(s)."]
[14,"No","asdfg",null,"60% - 100%","60% - 100%","60% - 100%","60% - 100%","60% - 100%","0 - 10%",null,25,25,25,null,"Please contact Deloitte Cross Industry Payments to discuss potential opportunity area(s)."]
[15,"No","asdf",null,"60% - 100%","60% - 100%","60% - 100%","60% - 100%","60% - 100%",null,null,25,25,25,null,"Please contact Deloitte Cross Industry Payments to discuss potential opportunity area(s)."]
[16,"Yes","asdf",null,100,null,null,null,null,null,null,25,25,25,null,"Please contact Deloitte Cross Industry Payments to discuss potential opportunity area(s)."]
[17,"Yes","asdf",null,"60% - 100%",null,null,null,null,null,null,25,24,24,null,"Please contact Deloitte Cross Industry Payments to discuss potential opportunity area(s)."]
[18,"Yes","dasd",null,"0 - 30%","60% - 100%","can't say","can't say","can't say","can't say",null,null,null,40,null,"We have seen a typical company observe :- \r\n- Improvement in customer satisfaction score by providing more payment choices such as Faster Payments that provide more security and visibility to the transaction, along with the ability of the customer to receive payments instantly\r\n"]
[19,"No","ABC",null,null,null,null,null,null," > 50%",null,null,null,100,null,"Please contact Deloitte Cross Industry Payments to discuss potential opportunity area(s)."]
[20,"Yes","e",null,null,"60% - 100%",null,null,null,null,null,11,11,11,null,"Please contact Deloitte Cross Industry Payments to discuss potential opportunity area(s)."]
[21,"Yes","e",null,null,"60% - 100%",null,null,null,null,null,11,11,11,null,"Please contact Deloitte Cross Industry Payments to discuss potential opportunity area(s)."]
[22,"Yes","aa",null,"can't say","can't say",null,null,null,null,null,11,11,11,null,"This looks like an interesting case, and would require a deeper dive with your team. Please contact Deloitte Payments Practice to schedule a session with the SMEs and discuss potential opportunity area(s)"]
[23,"Yes","aa",null,"60% - 100%","0 - 30%",null,null,null,null,null,11,11,11,null,"This looks like an interesting case, and would require a deeper dive with your team. Please contact Deloitte Payments Practice to schedule a session with the SMEs and discuss potential opportunity area(s)"]
[24,"Yes","qq",null,"can't say",null,null,null,null,null,null,11,11,11,null,"This looks like an interesting case, and would require a deeper dive with your team. Please contact Deloitte US RTP Practice to schedule a session with the SMEs and discuss potential opportunity area(s)"]
[25,"Yes","bgbgvb",null,"60% - 100%","30% - 60%",null,null,null,null,null,11,29,38,null,"We have seen a typical company observe :- \r\n- 36% improvement in reconciliation processes, reduction in risks through more efficient back office processes ( avoid processes associated with using checks like check bouncing, lost in transit, etc.) by optimizing the payment portfolio of offered payment choices \r\n- Improvement in customer satisfaction score by providing more payment choices such as Instant Payments that provide more security and visibility of the transaction, along with the ability of the customer to receive payments instantly\r\n"]
[26,"Yes","sdasd",null,"0 - 30%",null,null,null,null,null,null,null,null,null,null,"This looks like an interesting case, and would require a deeper dive with your team. Please contact Deloitte US RTP Practice to schedule a session with the SMEs and discuss potential opportunity area(s)"]
[27,"Yes","AS",null,null,null,null,null,null,"10% - 20%",null,null,null,null,null,"This looks like an interesting case, and would require a deeper dive with your team. Please contact Deloitte US RTP Practice to schedule a session with the SMEs and discuss potential opportunity area(s)"]
[28,"Yes","SS",null,"0 - 30%",null,null,null,null,null,null,null,null,null,null,"This looks like an interesting case, and would require a deeper dive with your team. Please contact Deloitte US RTP Practice to schedule a session with the SMEs and discuss potential opportunity area(s)"]
[29,"Yes","aa",null,"can't say",null,null,null,null,null,null,11,11,11,null,"This looks like an interesting case, and would require a deeper dive with your team. Please contact Deloitte to schedule a session with the SMEs and discuss potential opportunity area(s)"]
[30,"Yes","aa",null,"can't say",null,null,null,null,null,null,11,11,11,null,"This looks like an interesting case, and would require a deeper dive with your team. Please contact Deloitte to schedule a session with the SMEs and discuss potential opportunity area(s)"]
[31,"Yes","gy",null,"can't say",null,null,null,null,null,null,11,11,11,null,"This looks like an interesting case, and would require a deeper dive with your team. Please contact Deloitte to schedule a session with the SMEs and discuss potential opportunity area(s)"]
[32,"Yes","as",null,null,null,null,null,null,null,null,null,null,null,null,"This looks like an interesting case, and would require a deeper dive with your team. Please contact Deloitte to schedule a session with the SMEs and discuss potential opportunity area(s)"]