All Zambia banks are expected to subscribe to the Direct Debit and Credits Clearing (DDACC) stream of clearing transactions by Dec 31 2001. In a recent presentation, Bank of Zambia assistant director-payment system Willie Chishimba said banks have to satisfy DDACC requirements before the system is implemented on January 1 2001. DDACC is an electronic process of transferring files containing batches of transactions and is one of the processing streams used by the Zambia Electronic Clearing House