Another initiative is the one bills payment facility, which aims to remove the inefficiencies associated with the current fragmented bills payment mechanisms. The billers will be capable of collecting from their customers even if the payment service providers of the billers are different from those of the customers.
We will also provide a more flexible way for businesses and consumers to make payments through the request to pay service. The payee will only need to send an electronic request for payment to the payer, showing how much is being requested for payment and when it falls due. A fourth initiative in the pipeline is the direct debit use case.