I have a suggestion for a new feature in Internet Banking which should be very easy to implement:
When making an online payment, there should be an option to email a remittance advice to the payee. As this email would be sent directly from the BNZ, there would be no opportunity for the payer to fake any of the information, and it could be accepted as immediate confirmation of payment.
After a successful payment, a simple form could ask for:
- an email address to send the remittance advice (this could be a list of emails, separated by commas/semicolons, and - even better - a registered payee could have a stored email address that would be used as a default)
- an optional short cover note
- an option to CC or BCC the message to oneself
The email should contain:
- the optional cover note
- a message indication that a successful payment has been completed
- the name of the payer’s account holder (NOT the nickname of the account, NOR the account number)
- the payee’s account number (NOT the nickname of the registered payee)
- the date and time of the transaction
- the amount of the payment
- the date the payment is expected to arrive in the payee’s account
- the statement details to appear on the payee’s bank statement (NOT the payer’s statement)
- the BNZ logo
In the event of a future-date payment, the options could be stored and the email sent after the payment has actually been made.
Thanks for your consideration.