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My Direct Debits Reminder App

Partner ready My Direct Debit Reminder Solution for Financial Services

Prepared by Voliciti Group Ventures Ltd | April 2026 | Confidential

The Opportunity

"Your bank tells you after money has left. We tell your customers before."

In the UK alone, over 80 million direct debits are processed every month. Yet most consumers have no clear visibility of what's leaving their account until after it happens. Failed payments, unexpected charges, and overdraft fees remain a leading cause of customer complaints across banking and insurance.

The Solution

Introducing MDD

My Direct Debits Reminder App (MDD) is a proven, production-ready platform giving customers advance warning of upcoming direct debits, subscriptions, and standing orders — 7 days, 5 days, and 1 day before they leave their account. Notifications automatically sync to calendars and smart watches.

Zero Bank Access

No bank credentials required. No sensitive financial data stored.

Live Now

Already serving users on Web, iOS, and Android at mddreminder.uk

Partner-Ready

Embed or co-brand for your own customer base today.

Why Partner With MDD

Eight Compelling Reasons to Partner

MDD delivers measurable value across customer experience, compliance, and competitive differentiation — with minimal effort from your team.

Partner Benefits

Reduce Complaints & Increase Retention

Reduce Customer Complaints

Advance payment warnings cut "unexpected charge" complaints and failed payment disputes significantly.

Increase Customer Retention

Customers who feel in control of their finances are less likely to switch providers. MDD builds trust and loyalty.

Differentiate Your Offering

Offer a value-added digital tool that competitors don't have. Position your brand as forward-thinking and customer-centric.

Partner Benefits

Compliance, Security & Speed

Compliance & Vulnerability Support

Supports FCA Consumer Duty obligations. Demonstrates care for financially vulnerable customers.

Zero Risk Data Model

No bank login, no Open Banking credentials, no PII beyond email. Your data obligations remain unchanged.

Launch in Days, Not Months

Integration via embedded link, iframe, or co-branded subdomain. No development resource required from your team.

International Ready

Supports multiple display currencies, suitable for international customer bases and cross-border use cases.

How It Works

The Customer Journey

Simple, frictionless, and requiring no technical knowledge — customers are up and running in minutes.

The entire onboarding process takes under five minutes, with no bank details or ID verification required at any stage.

Customer Journey

Visual Walkthrough

Below are real screenshots from the live MDD platform — exactly what your customers would experience.

Step 1

Sign Up or Sign In

Frictionless Registration

Simple email and password registration. No bank details required. Free to start — takes less than 30 seconds.

  • Email and password only
  • No ID verification
  • No card required to sign up
  • Available on Web, iOS, and Android
Step 2

Add Payments

Quick & Easy Entry

Customers enter their recurring payments manually — no bank connection needed. Takes under 60 seconds per entry.

  • Company name
  • Amount with currency selection
  • Payment day (1–31)
  • Frequency: monthly, weekly, bi-weekly, quarterly, or annually
Step 3

Set Reminders

Flexible Alert Options

Customers choose when they want to be reminded — and where. One-click calendar integration means reminders appear automatically.

  • 7 days before payment
  • 5 days before payment
  • 1 day before payment

Integrates with Google Calendar, Outlook, Yahoo Calendar, or download as .ics for Apple Calendar and Samsung.

Step 4

Calendar Integration

Reminders Where Customers Live

Payment reminders appear directly in the customer's calendar and smart watch, complete with payment amount, frequency, and alert timings — managed automatically by MDD.

Step 5

Dashboard — Summary & Due Dates

Full Financial Visibility

The dashboard gives customers a clear, at-a-glance view of their upcoming commitments — before money leaves their account.

  • Monthly total tracked payments
  • Largest upcoming payment highlighted
  • 7-day lookahead with due dates
  • Full upcoming payments schedule
Steps 6 & 7

Settings, Support & Grants

Account Control

Full account management: currency preferences, subscription control, data export as CSV, and admin tools. Customers are always in control.

Financial Support & Grants

Built-in directory of grants, charitable trusts, and debt advice services including Turn2us, StepChange, Citizens Advice, and National Debtline. Demonstrates duty of care for vulnerable customers.

Integration Options

Three Ways to Integrate

Flexible models to suit your requirements — from zero-effort linking to full white-label deployment.

Branded Link — Quick Start

Place a tracked link or button on your website, app, or email. Customers land on MDD with your referral attribution. Live in minutes. One line of HTML.

Embedded Widget — Standard

Embed MDD within your existing website or customer portal via iframe or JavaScript snippet. Your branding surrounds the experience. Live in days.

White-Label — Enterprise

Fully co-branded deployment on your subdomain (e.g. reminders.yourbank.co.uk). Your colours, your logo, your domain. Full access available.

Compliance

Regulatory Alignment

MDD has been designed with regulatory awareness from the outset — supporting your compliance obligations without introducing new risk.

Compliance Detail

Key Regulatory Positions

FCA Consumer Duty

Supports firms in delivering good outcomes for retail customers through proactive payment visibility and financial wellbeing.

UK GDPR / DPA 2018

Minimal data collection (email only). No bank credentials stored. No data sold. Full account deletion and CSV export available in-app.

PCI-DSS

All payment processing handled by Stripe (PCI-DSS Level 1 certified). MDD never sees, stores, or processes card numbers.

Open Banking / PSD2

MDD does not use Open Banking APIs. No bank login required — eliminating associated regulatory, security, and consent complexities entirely.

Security

Enterprise-Grade Security Infrastructure

TLS 1.3 Encryption

All data in transit

Encrypted at Rest

Database storage

bcrypt Hashing

Industry-standard password security

DDoS Protection

Cloud-native, edge-level mitigation

Token-Based Auth

Stateless JWT, no session cookies

Rate Limiting

Brute force prevention on all endpoints

Hosted on enterprise Kubernetes infrastructure with automated failover, health monitoring, and horizontal scaling. UK/EU data residency available on request. Enterprise partners may request a security questionnaire, penetration test summary, or full technical architecture review under NDA.

Data & Privacy

Privacy by Design

What MDD Stores

  • User email address and hashed password
  • User-entered payment descriptions (e.g. "Netflix", "£15.99", "monthly")
  • Subscription status and payment transaction references

What MDD Does NOT Store

  • Bank account numbers, sort codes, or IBAN
  • Credit/debit card numbers
  • Open Banking tokens or credentials
  • National Insurance numbers or government IDs
  • Home addresses or phone numbers
  • Any data from your systems (unless explicitly agreed under white-label)
Use Cases

Sector-Specific Applications

MDD delivers targeted value across multiple financial services sectors.

Use Cases

Who Benefits Most

Banks & Building Societies

Embed as a "Payment Reminders" feature. Reduce failed payment notifications, demonstrate Consumer Duty compliance, and cut operational costs.

Insurance Companies

Help policyholders avoid missed premium payments. Reduce churn from accidental non-payment. Include in renewal communications as a retention tool.

Money Advice & Debt Charities

Recommend as a free budgeting aid. MDD's built-in Financial Support page already links to Turn2us, StepChange, and Citizens Advice.

Utility & Subscription Companies

Reduce failed direct debit collections and admin costs. Offer as a "Payment Reminder" link in customer emails and billing portals.

Onboarding

Live in Weeks, Not Months

1

Week 1

Discovery & Agreement — Introductory call, requirements alignment, partnership agreement signed.

2

Week 2

Configuration — Branded link or embed configured. Tracking parameters and QR codes set up.

3

Weeks 2–3

Testing & Review — Your team reviews the integration. Security questionnaire and compliance sign-off completed.

4

Weeks 3–4

Go Live — Integration goes live. Analytics dashboard available for tracking referrals and adoption.

Commercial Models

Flexible Partnership Structures

About Us

About Voliciti Group Ventures Ltd

Voliciti Group Ventures Ltd is a UK-registered technology company focused on building practical digital tools that help everyday consumers manage their finances better. My Direct Debits Reminder is our flagship product, born from a simple insight by Diane Shawe MEd founder and designer: people deserve to know what's leaving their bank account before it happens — not after.

We believe financial tools should be simple, secure, and accessible to everyone. MDD embodies this philosophy: no bank login required, no complex setup, and free to start.

Get In Touch

Let's Talk

We'd welcome the opportunity to discuss how MDD can support your customers and your business. Whether it's a quick branded link or a full white-label deployment, we're ready to move at your pace.

📞 Phone

+44 (0) 7367 431859