汇款联盟在2013年秋季零售价值链联盟会议上发起的一个焦点小组确定了对零售业借方余额采取更标准化方法的必要性。与会者集思广益，讨论有助于简化零售业支付和汇款处理的常见商业惯例和流程。借记余额处理被认为是一个主要的痛点。有人建议，行业利益相关者可以共同努力，提出标准化零售借记余额处理的方法，并倡导一种更一致的方法，这将使各方受益。

The need for a more standardized approach to debit balances in the retail sector was identified in a focus group sponsored by the Remittance Coalition at the fall 2013 Retail Value Chain Federation Conference. Attendees brainstormed about common business practices and processes that could help streamline payments and remittance handling in the retail sector. Debit balance handling was identified as a major pain point. It was suggested that industry stakeholders could work together to propose ways to standardize retail debit balance handling and advocate a more consistent approach that would benefit all parties.