But most people have complicated personal banking set-ups with money flowing in and out to different places at different times. It works well because the indiv

But most people have complicated personal banking set-ups with money flowing in and out to different places at different times. It works well because the individual has control. If you had to automatically pay for your shopping using some database magic every week, instead of just handing over a credit card it wouldn't work either. Treat payroll like an individual bank account with facilities to make and receive payments automatically. Then let actual humans enter the information individually for each person. Add automation of this as an after thought once the problem is fully understood.