portal InfoMoney 01/06/2011
The digital compensation checks, which came into force in May, already represents 60% of compensation made since March, according to Compe (Centralized Clearing Cheques).
COMPE, linked to the Central Bank and operated by the Bank of Brazil, is responsible for all of interbank settlements for checks up to $ 250 000. According to BC, the 137 banks in the country with people with checks are already framed the new model for clearing checks, established by Circular 3532. What prevails today is the truncation system - check scanning through digital images. With that, the Fed eliminates sending paper checks to the organization made in the pouch. The idea is to increase safety and avoid human errors in the process.
"We estimate $ 300 million in savings from the elimination of these steps just physical," he said in a statement the director of M2SYS, Gian Franco Nercolini. The company is a leading provider of national banks to truncate.
scanning process reduces the number of frauds that caused a loss of $ 1.2 billion last year, according to Febraban (Brazilian Federation of Banks). Furthermore, the process reduces the cost of transport and logistics pouches for handling, security and archiving of these documents paper. New process
The new model established by the Central Bank provides that checks be scanned into their own banks, and can then be destroyed right there in its original form. According Nercolini, banks adopted the truncation hybrid.
Rather than scan checks in their own points of capture, these institutions refer to the one centralized its own, and from this point, realize the capture and make transactions via a digital Compe.
"This model may be more practical for banks at an early stage but in the medium and long term, the trend is to migrate all truncation decentralized, "he said in a statement.
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