White Papers

The white papers on eBilling.org have been submitted by the members of the Council for Electronic Billing and Payment.  The white papers are offered here to provide additional information about electronic billing in the consumer and business environments.  These white papers represent the opinions of the authors, and in no way represent the endorsement of NACHA or the Council for Electronic Billing and Payment.

Date

Title

Author

Description

10/12/03

Online Bill Payment Market Update: Fee or Free?

Online Resources Corporation

In just one year, the market for online bill payment has undergone a swift transformation.  Formerly a premium service used primarily by technologically savvy consumers, online bill payment is quickly becoming a mainstream service used by consumers that cut across demographic groups.

11/22/02

Consumer Adoption of Internet Banking and Bill Payment Services

Online Resources Corporation

This is a study on the adoption rates of Internet banking and bill payment services based on different pricing, packaging and incentives. Key findings suggest that consumer marketing and other factors may play a more influential role in consumer adoption than pricing.

10/9/02

The Acceleration of Treasury Technology

PayStream Advisors

This report examines the treasury technology market, describing important trends, and provides a tool to help organizations determine their readiness to benefit from advanced solutions.

5/20/02

Electronic Bill Presentment and Payment - is it just a Click Away?

Federal Reserve Bank

The paper examines the traditional bill payment process, discusses the benefits and challenges to the current EBPP models, and uncovers severalbarriers to greater use of EBPP and electronic payments.

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