MDD helps customers see upcoming direct debits, subscriptions and repayments before money leaves their account. No bank login required. No open banking integration required. Pilot-ready for banks, credit card providers and financial wellbeing teams.
Partnership Discussion · Diane Shawe MEd · www.mddreminder.uk
The European banking sector represents one of the largest and most mature financial ecosystems globally.
Across the EU and UK
Across diverse markets
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.
After the fact
Customers often only discover a missed payment when they check their balance or receive a bank notification after the transaction has already cleared.
By then, the moment has passed — causing stress, embarrassment, and a scramble to cover the shortfall. The consequences can quickly compound: overdraft fees, missed minimum payments, damaged credit scores, and a strained relationship with their bank.
Most importantly, customers are left powerless, with no opportunity to act, adjust, or prepare in advance.
o
Before it happens
Customers receive timely reminders before payments are due — giving them visibility, control, and confidence to manage their finances.
Fintech is reshaping the industry by introducing a new generation of lightweight, customer-first solutions that complement rather than compete with core banking infrastructure.
Faster deployment cycles vs traditional banking systems — built around real user needs, not legacy constraints.
Tools that enhance, not replace, core banking infrastructure — adding value without disruption.
Engagement models that go beyond traditional banking apps — meeting customers where they are, when they need it.
Despite significant digital progress across the financial sector, a critical blind spot remains for millions of customers.
- Transaction alerts after payments occur
- Monthly statements
- Payment reminders near due date
- Real-time spending visibility
- Fraud protection alerts
- 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
My Direct Debits (MDD) addresses this specific gap — acting as a pre-payment awareness layer that sits alongside existing banking services.
Provides forward visibility of all outgoing commitments before they impact available funds.
Requires no bank integration or access to sensitive financial data — zero disruption.
Supports better customer outcomes and reduced financial stress across all demographics.
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.
MDD helps remind customers about all outgoing commitments — including credit card repayments — before they impact their ability to meet financial obligations.
A real-time dashboard showing upcoming commitments, estimated available balance, and smart notifications — all in one place.
Get alerted 7, 5 and 1 day before payments are due — never be caught off guard again.
Know what's coming up and when — full forward visibility of all outgoing commitments.
See everything in advance and plan with confidence — estimated available balance always visible.
Stay in control and meet your commitments — MDD empowers customers to manage money proactively.
Financial services have evolved significantly in recent years — delivering real-time transactions, spending visibility, and fraud protection at scale. Yet a critical gap persists.
- Real-time transactions
- Spending visibility
- Fraud protection
- Digital banking apps
- Instant payment notifications
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.
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.
Direct debits, subscriptions, and credit card repayments slip through the cracks — especially when managing multiple commitments.
Customers discover missed payments only after the fact — when it's too late to act and the damage is already done.
Competing financial commitments create confusion — customers lack the tools to see the full picture and make informed decisions.
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.
Consumer Duty requires firms to actively support customers in achieving good financial outcomes — not simply respond when things go wrong.
Firms must take reasonable steps to prevent harm that is foreseeable — including missed payments, unexpected fees, and financial distress.
Customers must receive information that is clear, timely, and useful — enabling them to make informed financial decisions.
Today's banking tools provide a solid foundation — but they stop short of delivering the forward visibility customers need to truly stay in control.
- Transaction alerts (post-payment)
- Monthly statements
- Payment reminders near due date
- Spending categorisation
- Balance notifications
👉 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.
MDD removes the need for customers to actively track payments — instead, it delivers timely reminders automatically. Simple, frictionless, and requiring no technical knowledge. See live active reviews on main website
No complexity. Just clarity. Setup in minutes, not hours — no technical knowledge required.
Setup in minutes, not hours. No spreadsheets, no manual tracking — MDD does it automatically.
Never miss a payment again. Timely reminders ensure customers are always prepared.
Know today. Plan tomorrow. Full forward visibility of all outgoing commitments.
MDD is a live, production-ready platform — not a concept. Already built, tested, and ready for partner deployment.
Mobile-optimised web-based application with live user flows: sign-up → add payments → set reminders → dashboard.
Shows upcoming commitments and estimated available balances — updated in real time as customers add and manage payments.
Automated reminder delivery via Google, Outlook, and Yahoo calendars — smart notification logic at 7, 5, and 1-day intervals.
Free and premium tiers built in — secure user authentication, account management, and Stripe-powered subscription handling.
MDD has been built as a lightweight, scalable platform designed for rapid deployment and integration flexibility — with no dependency on bank infrastructure.
- 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)
- 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
MDD is designed with practical user accessibility in mind, offering built-in preferences that enhance usability for a diverse customer base.
Users can view and manage payments in their chosen currency, supporting international commitments, multi-currency subscriptions, and future global partnerships.
The app adapts to device or browser language settings, reducing friction for older users, vulnerable customers, carers, and non-English speakers.
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 login credentials required — MDD never accesses customer banking systems or accounts.
No access to transaction data or account balances — all information is user-entered and fully controlled by the customer.
Minimal data storage aligned with GDPR principles — only essential information stored to enable reminders.
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.
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.
No integration required — customers are simply directed to the MDD platform. Quick to launch, zero technical overhead, start delivering value immediately.
Custom-branded frontend connected to MDD infrastructure. Shared branding, seamless customer experience, builds trust and engagement.
Deploy MDD under your own domain (e.g. bills.yourbank.com) using simple DNS configuration. Single, secure backend managed centrally by MDD.
Integrated within online and mobile banking — single sign-on and seamless access. Planned for future phase with full API support.
- ✓ Quick to launch
- ✓ No technical integration
- ✓ Start delivering value fast
- ✓ Shared branding
- ✓ Seamless customer experience
- ✓ Builds trust and engagement
- ✓ Embedded within banking
- ✓ Single sign-on access
- ✓ Planned for future phase
MDD enhances existing banking services — extending what banks already do well, without replacing or disrupting core infrastructure.
Shows scheduled payments like direct debits, subscriptions and regular bills — giving customers a complete picture of outgoing commitments.
No spreadsheets or calendar reminders — MDD does it for them, automatically and reliably.
Brings all commitments together in one place for a complete, forward-looking picture of finances.
Smart alerts ensure customers are always in the know, in advance — before payments impact their available funds.
When customers have forward visibility of their outgoing commitments, the impact on their financial behaviour and wellbeing is significant and measurable.
Customers gain a clear, real-time view of all upcoming payments — eliminating the uncertainty that leads to missed commitments.
Automated alerts at 7, 5, and 1 day before payments are due — no active monitoring required from the customer.
Advance visibility means customers can ensure funds are available before payments are due — reducing failed transactions.
Customers feel more in control of their money — reducing financial stress and improving overall financial wellbeing.
The benefits of MDD extend directly to the bottom line — improving key performance metrics across collections, customer satisfaction, and operational efficiency.
Proactive reminders help customers ensure funds are available — directly reducing the volume of failed payments and associated costs.
Customers who are informed in advance are more likely to prioritise and meet their financial commitments consistently.
Fewer missed payments means reduced collections activity, lower inbound query volumes, and decreased cost to serve.
Customers who feel supported and in control are more likely to remain loyal — reducing churn and increasing lifetime value.
Credit card customers are particularly sensitive to cashflow timing — making them an ideal target segment for MDD's pre-payment awareness capabilities.
- 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
- Missed minimum payments
- Increased reliance on credit
- Higher financial stress
- Damaged credit scores
- Increased customer servicing costs
When customers lack visibility of upcoming repayments, the consequences for credit card providers are direct, measurable, and costly.
Customers who are unaware of upcoming repayment dates miss minimum payments — triggering fees, interest charges, and credit score damage.
Reactive payment behaviour leads to higher delinquency rates — increasing regulatory scrutiny and provisioning requirements.
More missed payments drive up collections activity — increasing operational costs and straining customer relationships.
Payment failures generate inbound queries, complaints, and hardship requests — all of which increase the cost to serve.
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.
Customers receive alerts 7, 5, and 1 day before their credit card repayment is due — giving them time to ensure funds are available.
MDD shows estimated available balance after upcoming commitments — helping customers understand the true impact of their repayment on available funds.
No active monitoring required — MDD delivers the right information at the right time, automatically.
By improving forward visibility and timing of reminders, MDD supports measurable improvements in credit card repayment behaviour — benefiting both customers and providers.
Due to lack of advance visibility — a problem MDD directly addresses
Customers say they would take action if reminded in advance of upcoming payments
Potential for full minimum payment compliance with consistent advance reminders
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.
The platform is fully built, tested, and live — available for customers to sign up and use today.
Real users are actively adding payments, setting reminders, and using the dashboard to manage their financial commitments.
Early user feedback demonstrates strong recognition of the platform's value — particularly around the peace of mind and control it provides.
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.
- Small-scale, targeted deployment
- Defined customer segment
- Clear measurement framework
- Short timeframe to results
- Minimal resource commitment
- 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
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.
Provides customers with timely visibility of upcoming commitments, helping reduce missed payments and avoidable financial stress.
Shifts customers from reactive behaviour (after funds leave) to proactive awareness (before payments are due).
Creates additional touchpoints through reminders delivered via mobile, calendar, and wearable devices — increasing ongoing customer interaction.
Supports key principles of Consumer Duty: better customer understanding, timely and useful information, improved financial decision-making, and reduction of foreseeable harm.
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.
My Direct Debit Reminder is designed as a low-friction, passive-value solution, contrasting with traditional high-engagement apps by providing continuous support without the need for daily interaction.
MDD delivers continuous financial wellbeing benefits without requiring constant user engagement or daily logins.
Once commitments are set, the system automatically sends relevant reminders to calendars, phones, and smart devices.
Users input their recurring commitments once, and the system delivers value automatically every month, reducing financial stress.
The core value of MDD is delivered in the background, ensuring users meet obligations and manage finances proactively with minimal active monitoring.
MDD's business model is designed for long-term sustainability, focusing on predictable revenue streams and efficient customer acquisition strategies.
- Annual subscription model provides clear forward revenue visibility.
- Generates predictable recurring income upfront, reducing churn exposure.
- Strengthens cash collection and improves financial predictability for reinvestment into growth.
- Scalability driven by institutional partnerships (banks, credit unions, employers, housing associations).
- Single partnerships can grant access to thousands of users, significantly lowering blended CAC.
- Reduces reliance on expensive direct-to-consumer advertising, optimising marketing spend.
MDD's business model is strategically designed to enhance crucial financial metrics, ensuring accelerated profitability and long-term customer relationships.
The annual payment model enables quicker recovery of customer acquisition costs, leading to earlier profitability compared to monthly-only subscriptions.
MDD's value is intrinsically linked to ongoing financial commitments, guaranteeing continuous relevance and strong lifetime value as long as users have bills.
By acting as a passive financial safety net, MDD reduces abandonment, offering essential support without demanding constant active engagement.
MDD's design philosophy prioritises sustainable growth through passive value, seamless integration, and a lean operational model, setting a clear path for future expansion.
MDD delivers preventative alerts for recurring commitments, ensuring continuous utility without requiring active, entertainment-style user engagement.
Smartwatch and calendar integrations seamlessly weave MDD reminders into existing user workflows, fostering stickiness as it becomes an indispensable part of their daily life.
By avoiding complex banking integrations or sensitive credential access, MDD significantly reduces technical, compliance, and operational overheads, allowing for efficient, phased scaling.
MDD presents a compelling investment opportunity, built on a unique value proposition and a robust, scalable business model designed for sustained growth and profitability.
Annual Recurring Revenue ensures consistent, predictable income streams.
Minimal user effort fosters high adoption and long-term retention.
Continuous, background utility without demanding constant engagement.
Acts as an essential financial safety net, limiting user abandonment.
Leverages partnerships for efficient user acquisition and rapid market penetration.
Minimises technical overhead and compliance burden, enhancing operational efficiency.
Directly addresses a critical consumer need by preventing missed payments and reducing stress.
"Once the user sets up MDD, the product continues working for them every month in the background. They are not paying for daily app usage; they are paying for ongoing reminders about forthcoming bills, which can help reduce financial stress."
This lean model, focused on preventative value, contrasts sharply with high-maintenance budgeting apps, offering a clear path to market leadership in proactive financial management.
The landscape of personal finance is evolving, revealing a substantial and largely untapped market for proactive financial wellbeing solutions.
Millions of consumers annually face financial stress, late fees, and missed payments due to recurring commitments, costing billions globally.
A growing demand for preventative tools that offer peace of mind, moving beyond reactive budgeting to intelligent commitment management.
MDD's model is designed for rapid expansion through institutional partnerships, enabling efficient access to vast user bases.
Increasing regulatory focus on consumer protection and financial wellbeing (e.g., Consumer Duty) mandates innovative, supportive solutions.
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.
From current accounts to credit cards, loans, and subscriptions — providing a unified view of outgoing commitments before they occur.
Integrates seamlessly into existing apps, portals, and communication channels to improve the overall user experience.
Delivered via partnerships with banks, credit providers, fintech platforms, and employers — either as a co-branded service or integrated feature.
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.
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.
Already built and functioning, with real users actively engaging with the app and its features.
Concept initiated November 2025, app successfully launched March 2026. Built to remove friction — no bank connection, no complex setup, no technical knowledge required.
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.
Enhances, rather than replaces, current banking services by providing pre-payment visibility without requiring integration or access to sensitive financial data.
Extensive background across multiple sectors including technology, marketing, and service-based businesses, with a strong track record of building and scaling ventures.
Hands-on founder with a history of turning ideas into operational businesses, products, and revenue-generating platforms — from concept to live deployment.
Driven by identifying real-world problems and creating simple, effective solutions that can scale across large user bases and multiple industries.
Approach grounded in real user challenges, ensuring solutions are relevant, usable, and aligned with everyday financial habits.
Understanding how MDD compares to existing approaches helps clarify the unique value it brings to banking partners and their customers.
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."
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.
Explore how MDD helps customers clearly understand upcoming commitments before payments leave their account — reducing surprises and improving confidence.
Discuss how advance reminders (7, 5, 1 day) can shift customers from reactive behaviour to proactive awareness — without requiring access to bank data.
Design a simple, fast pilot to demonstrate real customer engagement and behavioural impact — with no integration or operational disruption.
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
www.mddreminder.uk email: info@mddreminder.uk contact: +447367431859
Improving Customer Pre Debit Notification Outcomes Across Banking & Credit Card Commitments