MDD – Bank & Credit Card Partnership Pitch Deck
My Direct Debit Reminder
Improving Customer Pre Debit Notification Outcomes Across Banking & Credit Card Commitments
Partnership Discussion · Diane Shawe MEd · www.mddreminder.uk
European Banking Landscape & Fintech Shift
The European banking sector represents one of the largest and most mature financial ecosystems globally.
€30T+
Total Banking Assets
Across the EU and UK
100M+
Retail Customers
Across diverse markets
3
Regulatory Pillars
Protection, transparency, and outcomes
At the same time, the sector is undergoing rapid transformation driven by emerging fintech innovation. Customers are no longer satisfied with reactive financial services.
The Shift: Reactive to Proactive
REACTIVE
After the fact
Customers discover missed payments only after funds have already left their account. No warning. No preparation. No control.
PROACTIVE
Before it happens
Customers receive timely reminders before payments are due — giving them visibility, control, and confidence to manage their finances.
Customers expect more than notifications – they want clarity, control and confidence. MDD helps banks meet these expectations with a simple, proactive layer of pre-payment awareness.
The Role of Emerging Fintech
Fintech is reshaping the industry by introducing a new generation of lightweight, customer-first solutions that complement rather than compete with core banking infrastructure.
Lightweight, User-First Solutions
Faster deployment cycles vs traditional banking systems — built around real user needs, not legacy constraints.
Specialised Enhancement Tools
Tools that enhance, not replace, core banking infrastructure — adding value without disruption.
New Engagement Models
Engagement models that go beyond traditional banking apps — meeting customers where they are, when they need it.
Rather than competing directly, many fintech solutions now complement and extend bank capabilities — creating a richer, more responsive customer experience.
Where the Gap Still Exists
Despite significant digital progress across the financial sector, a critical blind spot remains for millions of customers.
What Banks Provide Today
- Transaction alerts after payments occur
- Monthly statements
- Payment reminders near due date
- Real-time spending visibility
- Fraud protection alerts
What Is Still Missing
- Forward visibility of ALL outgoing commitments
- Pre-payment awareness before funds leave
- Unified view across all payment types
- Proactive reminders days in advance
- Tools to prevent missed payments
Most banks still notify customers after transactions occur. Customers often manage commitments manually or reactively — contributing to missed payments, fees, and financial stress.
Where MDD Fits
My Direct Debits (MDD) addresses this specific gap — acting as a pre-payment awareness layer that sits alongside existing banking services.
Advance Visibility
Provides forward visibility of all outgoing commitments before they impact available funds.
No Integration Required
Requires no bank integration or access to sensitive financial data — zero disruption.
Better Outcomes
Supports better customer outcomes and reduced financial stress across all demographics.
Enhances Journeys
Enhances existing digital journeys without disruption to core banking infrastructure.
MDD is not replacing banking infrastructure — it is enhancing it with a simple, scalable layer of proactive customer awareness. MDD keeps customers one step ahead.
All Outgoing Commitments, In One Place
MDD helps remind customers about all outgoing commitments — including credit card repayments — before they impact their ability to meet financial obligations.
Credit Card Repayments
Mortgage Payments
Car Finance Payments
Insurance Premiums
Utility Bills
Subscriptions
Loans & Other Commitments
MDD in Action
A real-time dashboard showing upcoming commitments, estimated available balance, and smart notifications — all in one place.
⏰ Timely Reminders
Get alerted 7, 5 and 1 day before payments are due — never be caught off guard again.
👁 Avoid Surprises
Know what's coming up and when — full forward visibility of all outgoing commitments.
📊 Better Financial Planning
See everything in advance and plan with confidence — estimated available balance always visible.
🧘 Less Stress, More Control
Stay in control and meet your commitments — MDD empowers customers to manage money proactively.
Stay informed. Stay in control. Stay financially well. MDD empowers customers to manage their money proactively and with confidence.
Context: The Financial Services Gap
Financial services have evolved significantly in recent years — delivering real-time transactions, spending visibility, and fraud protection at scale. Yet a critical gap persists.
Where Progress Has Been Made
- Real-time transactions
- Spending visibility
- Fraud protection
- Digital banking apps
- Instant payment notifications
The Persistent Gap
Customers still lack visibility of outgoing commitments before they impact their finances.
This single gap drives missed payments, financial stress, and avoidable customer harm — at scale.
This gap is not a technology failure — it is an unaddressed customer need that MDD is uniquely positioned to solve.
The Problem: Customer Level
Managing payments is harder than it should be. Despite digital banking advances, millions of customers still struggle with the same fundamental challenge — not knowing what's coming next.
Forget Upcoming Payments
Direct debits, subscriptions, and credit card repayments slip through the cracks — especially when managing multiple commitments.
Only Realise After Funds Leave
Customers discover missed payments only after the fact — when it's too late to act and the damage is already done.
Struggle to Prioritise
Competing financial commitments create confusion — customers lack the tools to see the full picture and make informed decisions.
✖ Missed or Late Payments
✖ Financial Stress
✖ Reduced Control
Regulatory Context: Consumer Duty Alignment
MDD is closely aligned with expectations from the Financial Conduct Authority — particularly the Consumer Duty framework, which sets a higher standard of care for financial services firms.
Proactive Customer Support
Consumer Duty requires firms to actively support customers in achieving good financial outcomes — not simply respond when things go wrong.
Prevention of Foreseeable Harm
Firms must take reasonable steps to prevent harm that is foreseeable — including missed payments, unexpected fees, and financial distress.
Clear and Timely Information
Customers must receive information that is clear, timely, and useful — enabling them to make informed financial decisions.
Current tools remain largely reactive — notifying customers after events occur rather than equipping them to act in advance. MDD directly addresses this regulatory expectation.
The Gap in Existing Solutions
Today's banking tools provide a solid foundation — but they stop short of delivering the forward visibility customers need to truly stay in control.
What Existing Solutions Provide
- Transaction alerts (post-payment)
- Monthly statements
- Payment reminders near due date
- Spending categorisation
- Balance notifications
What They Do NOT Provide
👉 Forward visibility of all outgoing commitments
- No unified view of upcoming payments
- No advance reminders days before due
- No estimated available balance after commitments
- No proactive awareness layer
This is the precise gap that MDD fills — providing a simple, scalable pre-payment awareness layer that works alongside existing banking infrastructure.
Why Customers Love MDD
MDD removes the need for customers to actively track payments — instead, it delivers timely reminders automatically. Simple, frictionless, and requiring no technical knowledge.
Simple to Use
No complexity. Just clarity. Setup in minutes, not hours — no technical knowledge required.
Saves Time
Setup in minutes, not hours. No spreadsheets, no manual tracking — MDD does it automatically.
Peace of Mind
Never miss a payment again. Timely reminders ensure customers are always prepared.
Always in Control
Know today. Plan tomorrow. Full forward visibility of all outgoing commitments.
Platform Readiness
MDD is a live, production-ready platform — not a concept. Already built, tested, and ready for partner deployment.
Fully Developed Web Application
Mobile-optimised web-based application with live user flows: sign-up → add payments → set reminders → dashboard.
Real-Time Dashboard
Shows upcoming commitments and estimated available balances — updated in real time as customers add and manage payments.
Calendar Integration
Automated reminder delivery via Google, Outlook, and Yahoo calendars — smart notification logic at 7, 5, and 1-day intervals.
Subscription-Ready Architecture
Free and premium tiers built in — secure user authentication, account management, and Stripe-powered subscription handling.
Live, Tested & Ready for Partner Deployment
Technical Architecture Overview
MDD has been built as a lightweight, scalable platform designed for rapid deployment and integration flexibility — with no dependency on bank infrastructure.
Technology Stack
- Frontend: Mobile-first web application (React-based)
- Backend: API-driven architecture (FastAPI)
- Database: Secure cloud-based data storage (MongoDB)
- Hosting: Scalable cloud infrastructure
- Authentication: Secure user account management
- Payments: Web-based subscription handling (Stripe)
Key Architectural Advantages
- No dependency on bank infrastructure
- No open banking integration required
- No payment rails or transaction execution
- Deployable without impacting existing banking systems
- Scalable to millions of users
- Fast deployment — days, not months
Key Advantage: Deployable without impacting existing banking systems.
Security & Data Design Model
MDD has been intentionally designed to minimise data exposure and security risk — making it one of the lowest-risk fintech integrations available to financial institutions.
🔒 No Bank Credentials
No bank login credentials required — MDD never accesses customer banking systems or accounts.
🚫 No Transaction Data
No access to transaction data or account balances — all information is user-entered and fully controlled by the customer.
📋 GDPR-Conscious Design
Minimal data storage aligned with GDPR principles — only essential information stored to enable reminders.
🛡 Encrypted & Secure
Encrypted data handling and secure API access — built with security-first principles from the ground up.
Security Positioning: Low-risk, non-invasive architecture suitable for rapid adoption by financial institutions of all sizes.
Integration Options & Flexibility
MDD has been designed for low-friction deployment with no technical integration required. Partners can choose the approach that best fits their needs and timeline.
1
Referral Model
No integration required — customers are simply directed to the MDD platform. Quick to launch, zero technical overhead, start delivering value immediately.
2
Co-Branded Deployment
Custom-branded frontend connected to MDD infrastructure. Shared branding, seamless customer experience, builds trust and engagement.
3
Partner-Branded (CNAME)
Deploy MDD under your own domain (e.g. bills.yourbank.com) using simple DNS configuration. Single, secure backend managed centrally by MDD.
4
Embedded (Future Phase)
Integrated within online and mobile banking — single sign-on and seamless access. Planned for future phase with full API support.
A fully managed, white-labelled solution that sits alongside existing digital services. "MDD has been designed to deliver customer value without introducing integration complexity, security exposure, or operational disruption."
Implementation Options: Visual Overview
Option 1: Referral
- ✓ Quick to launch
- ✓ No technical integration
- ✓ Start delivering value fast
Option 2: Co-Branded
- ✓ Shared branding
- ✓ Seamless customer experience
- ✓ Builds trust and engagement
Option 3: Embedded
- ✓ Embedded within banking
- ✓ Single sign-on access
- ✓ Planned for future phase
Fast. Flexible. Future-ready. Choose the approach that works best for you and your customers. No immediate system integration required.
How MDD Complements Banks
MDD enhances existing banking services — extending what banks already do well, without replacing or disrupting core infrastructure.
Extending Visibility Beyond Card Transactions
Shows scheduled payments like direct debits, subscriptions and regular bills — giving customers a complete picture of outgoing commitments.
Removing the Need for Manual Tracking
No spreadsheets or calendar reminders — MDD does it for them, automatically and reliably.
Supporting Full Financial Awareness
Brings all commitments together in one place for a complete, forward-looking picture of finances.
Helping Customers Stay Informed Automatically
Smart alerts ensure customers are always in the know, in advance — before payments impact their available funds.
Works alongside existing systems. No disruption. No replacement. MDD integrates seamlessly to add value for your customers.
Customer Outcomes
When customers have forward visibility of their outgoing commitments, the impact on their financial behaviour and wellbeing is significant and measurable.
Increased Financial Awareness
Customers gain a clear, real-time view of all upcoming payments — eliminating the uncertainty that leads to missed commitments.
Timely Reminders Without Effort
Automated alerts at 7, 5, and 1 day before payments are due — no active monitoring required from the customer.
Reduced Unexpected Outflows
Advance visibility means customers can ensure funds are available before payments are due — reducing failed transactions.
Greater Confidence in Managing Finances
Customers feel more in control of their money — reducing financial stress and improving overall financial wellbeing.
Leading to Improved Financial Wellbeing
Business Impact for Financial Institutions
The benefits of MDD extend directly to the bottom line — improving key performance metrics across collections, customer satisfaction, and operational efficiency.
Reduced Missed or Late Payments
Proactive reminders help customers ensure funds are available — directly reducing the volume of failed payments and associated costs.
Improved Repayment Behaviour
Customers who are informed in advance are more likely to prioritise and meet their financial commitments consistently.
Lower Collections & Servicing Demand
Fewer missed payments means reduced collections activity, lower inbound query volumes, and decreased cost to serve.
Increased Customer Retention
Customers who feel supported and in control are more likely to remain loyal — reducing churn and increasing lifetime value.
Credit Card Departments: The Specific Challenge
Credit card customers are particularly sensitive to cashflow timing — making them an ideal target segment for MDD's pre-payment awareness capabilities.
The Credit Card Customer Challenge
- Multiple outgoing commitments compete for available funds
- Limited forward visibility of upcoming repayments
- Repayments often become reactive rather than planned
- Minimum payment deadlines easily missed
The Result
- Missed minimum payments
- Increased reliance on credit
- Higher financial stress
- Damaged credit scores
- Increased customer servicing costs
Even small improvements in repayment behaviour drive significant value for credit card providers.
Impact on Credit Card Performance
When customers lack visibility of upcoming repayments, the consequences for credit card providers are direct, measurable, and costly.
Missed Minimum Payments
Customers who are unaware of upcoming repayment dates miss minimum payments — triggering fees, interest charges, and credit score damage.
Increased Delinquency Rates
Reactive payment behaviour leads to higher delinquency rates — increasing regulatory scrutiny and provisioning requirements.
Higher Collections Activity
More missed payments drive up collections activity — increasing operational costs and straining customer relationships.
Increased Customer Servicing Costs
Payment failures generate inbound queries, complaints, and hardship requests — all of which increase the cost to serve.
👉 Even small improvements in behaviour drive significant value. A 1% reduction in missed minimum payments across a large credit card portfolio represents millions in recovered revenue and reduced costs.
How MDD Supports Credit Card Customers
Customers don't actively manage competing commitments — MDD ensures they are reminded at the right time, improving their ability to meet credit card obligations without active monitoring.
MDD enables credit card customers to receive timely reminders before funds are impacted, anticipate how commitments affect their available balance, and stay on top of repayments without needing to actively monitor their finances.
Timely Reminders Before Impact
Customers receive alerts 7, 5, and 1 day before their credit card repayment is due — giving them time to ensure funds are available.
Balance Awareness
MDD shows estimated available balance after upcoming commitments — helping customers understand the true impact of their repayment on available funds.
Automatic, Effortless Monitoring
No active monitoring required — MDD delivers the right information at the right time, automatically.
Credit Card Outcomes: The MDD Difference
By improving forward visibility and timing of reminders, MDD supports measurable improvements in credit card repayment behaviour — benefiting both customers and providers.
1/3
Customers Miss Payments
Due to lack of advance visibility — a problem MDD directly addresses
7/10
Would Act if Reminded
Customers say they would take action if reminded in advance of upcoming payments
5/5
Compliance Improvement
Potential for full minimum payment compliance with consistent advance reminders
✓ Improved Minimum Payment Compliance
✓ Reduced Missed Payments
✓ Lower Delinquency Risk
✓ More Consistent Repayment Behaviour
Traction & Validation
MDD is not a concept or prototype — it is a live, operational product with real users actively engaging with its features and recognising its value.
Live and Operational Product
The platform is fully built, tested, and live — available for customers to sign up and use today.
Payments Actively Visible Within Platform
Real users are actively adding payments, setting reminders, and using the dashboard to manage their financial commitments.
Clear User Recognition of Value
Early user feedback demonstrates strong recognition of the platform's value — particularly around the peace of mind and control it provides.
👉 Early signals indicate strong relevance to everyday financial behaviour. MDD addresses a real, felt need — not a hypothetical one.
Pilot Opportunity
The suggested next step is a small-scale, evidence-led pilot — designed to demonstrate measurable impact with minimal risk and resource commitment from the partner institution.
Pilot Structure
- Small-scale, targeted deployment
- Defined customer segment
- Clear measurement framework
- Short timeframe to results
- Minimal resource commitment
What We Measure
- Engagement: Sign-up rates, active users, reminder interactions
- Behaviour Change: Payment preparation, fund availability
- Payment Outcomes: Missed payment rates, minimum payment compliance
- Customer Satisfaction: NPS, feedback, retention indicators
👉 Evidence-led decision making. The pilot is designed to generate the data needed to make a confident, informed decision about full deployment.
Strategic Alignment
MDD aligns closely with the strategic priorities of financial institutions and customer-centric regulatory frameworks — making it a natural fit for forward-thinking banking partners.
Improved Customer Outcomes
Provides customers with timely visibility of upcoming commitments, helping reduce missed payments and avoidable financial stress.
Proactive Financial Management
Shifts customers from reactive behaviour (after funds leave) to proactive awareness (before payments are due).
Enhanced Digital Engagement
Creates additional touchpoints through reminders delivered via mobile, calendar, and wearable devices — increasing ongoing customer interaction.
Consumer Duty Compliance (UK)
Supports key principles of Consumer Duty: better customer understanding, timely and useful information, improved financial decision-making, and reduction of foreseeable harm.
Strategic Positioning: A simple enhancement that strengthens customer experience, engagement, and regulatory alignment without major transformation.
Consumer Duty: Deep Alignment
The FCA's Consumer Duty framework sets a higher standard of care — requiring firms to actively support good customer outcomes. MDD is purpose-built to support these requirements.
MDD supports all four key Consumer Duty principles — making it a natural complement to any institution's regulatory compliance strategy.
Vision: The Future of MDD
MDD is designed to evolve beyond a standalone app into a foundational layer within financial ecosystems — a pre-payment intelligence layer supporting customers across multiple financial products.
Pre-Payment Intelligence Layer
From current accounts to credit cards, loans, and subscriptions — providing a unified view of outgoing commitments before they occur.
Enhanced Digital Customer Journeys
Integrates seamlessly into existing apps, portals, and communication channels to improve the overall user experience.
Embedded Within Financial Ecosystems
Delivered via partnerships with banks, credit providers, fintech platforms, and employers — either as a co-branded service or integrated feature.
Scalable Across Markets & Sectors
Applicable across retail banking, credit unions, utilities, and subscription-based services globally.
Vision Positioning: A scalable, infrastructure-light layer that enables financial institutions to deliver proactive, customer-first experiences at scale.
About MDD
My Direct Debits (MDD) is a live, scalable platform designed to improve how customers stay informed about outgoing payments — built from real-world experience of the problem it solves.
Live and Operational Platform
Already built and functioning, with real users actively engaging with the app and its features.
Designed for Simplicity & Rapid Adoption
Concept initiated November 2025, app successfully launched March 2026. Built to remove friction — no bank connection, no complex setup, no technical knowledge required.
Built Around Real User Behaviour
Developed from first-hand experience of missed and unexpected payments. MDD reflects how people actually manage money — and shifts that behaviour to a more proactive approach.
Works Alongside Existing Financial Systems
Enhances, rather than replaces, current banking services by providing pre-payment visibility without requiring integration or access to sensitive financial data.
A lightweight, scalable layer that improves customer awareness and supports better financial outcomes
About the Founder
Diane Shawe MEd · Founder, My Direct Debits
35+ Years Business & Commercial Experience
Extensive background across multiple sectors including technology, marketing, and service-based businesses, with a strong track record of building and scaling ventures.
Proven Execution Capability
Hands-on founder with a history of turning ideas into operational businesses, products, and revenue-generating platforms — from concept to live deployment.
Focus on Practical, Scalable Solutions
Driven by identifying real-world problems and creating simple, effective solutions that can scale across large user bases and multiple industries.
Deep Understanding of Customer Behaviour
Approach grounded in real user challenges, ensuring solutions are relevant, usable, and aligned with everyday financial habits.
Founder Positioning: A commercially experienced operator focused on delivering accessible, scalable solutions that bridge gaps in existing systems.
MDD vs. The Status Quo
Understanding how MDD compares to existing approaches helps clarify the unique value it brings to banking partners and their customers.
The MDD Value Proposition: Summary
MDD delivers a clear, compelling value proposition for banking and credit card partners — combining customer benefit with institutional impact in a single, low-risk solution.
"MDD helps remind customers about all outgoing commitments — including credit card repayments — before they impact their ability to meet financial obligations."
Let's Start the Discussion
MDD is ready to partner with forward-thinking financial institutions that are committed to improving customer outcomes, reducing operational costs, and staying ahead of regulatory expectations.
Customer Awareness & Financial Clarity
Explore how MDD helps customers clearly understand upcoming commitments before payments leave their account — reducing surprises and improving confidence.
Proactive Payment Visibility
Discuss how advance reminders (7, 5, 1 day) can shift customers from reactive behaviour to proactive awareness — without requiring access to bank data.
Low-Risk Pilot Opportunities
Design a simple, fast pilot to demonstrate real customer engagement and behavioural impact — with no integration or operational disruption.
Digital Experience Enhancement
Understand how MDD complements your existing apps and services by adding a lightweight layer of pre-payment visibility and customer support.
Diane Shawe MEd · Founder, My Direct Debits
"MDD helps remind customers about all outgoing commitments — including credit card repayments — before they impact their ability to meet financial obligations."