The following chart shows the process required to implement a debit card program through an incentive provider who must also contract with a conventional bank. One of the significant concerns with this approach is in the area of customer service for program participants, since there is no central point that has access to all of the incentive program and debit account details - frequently resulting in participants getting the "runaround." In addition, participant files must be passed through multiple parties, creating the opportunity for mishandled files.