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    This individual Report Electronic Bill Pay and Presentment: Take a Number; a Consumer Will Be Right with You (Maybe) is available for purchase. This Report is available to members of Mercator Advisory Group’s Debit and Alternative Products Advisory Service. Please be advised that this Report is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Report contains significant depth of content that is selected for its strategic importance to our members. (For a description of these services, see our Advisory Services section).

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Electronic Bill Pay and Presentment: Take a Number; a Consumer Will Be Right with You (Maybe)

Electronic Bill Pay and Presentment: Take a Number;
a Consumer Will Be Right with You (Maybe)

The EBPP market in the United States is striking by the persistent challenge it presents to target a consumer audience whose bill payment preferences regularly shift between services. While financial institution consolidators appear to be making headway, direct billers are holding their own, and in-store money centers are emerging in the market to grab a share of these transactions. Consumer uptake of e-billing is encouraging, but the motivation to standardize the underpinnings doesn't appear to be taking shape in a market where solution providers are actively consolidating.

Historically, the primary EBPP market segments (i.e., FI-consolidators and direct billers) offer services that are rationalized to the consumer under opposing value propositions with one common goal ??? to incent consumers to manage their payments electronically. Our research indicates that this market still has plenty of room to grow and indeed, offers these service providers, particularly the FI-consolidators, the opportunity to elevate the value of their service to the consumer market.

Mercator Advisory Group???s the Electronic Bill Pay and Presentment: Take a Number; A Consumer Will Be Right With You (Maybe) report examines this market from the consumer, financial institution, and direct biller perspectives ??? including a look at how in-store money centers are muscling in on the perennial industry feud between traditional delivery types. We also review the primary solution providers, including new products being launched, and the opportunity for outsourcing in an increasingly complex market.

???In the bill payment industry, as in most of the financial services industry today, the market is actively segmenting itself into distinct solution sets that address the needs of a more granular (and arguably demanding) consumer market than it has in the past. The entry of potentially transformative organizations into the financial services industry, such as Wal-Mart, may serve to siphon off online bill pay users from both direct billers and consolidator sites alike. ,??? Patricia Hewitt, Director of Mercator Advisory Group???s Debit Advisory Service comments.

Highlights of this report include:

EBPP is growing, but the market is by no means a lock for any given service provider.

Consumers continue to choose a variety of bill payment methods making a ???one size fits all??? solution difficult to deliver.

A key component for building market share may be a reframing of the bill payment experience as one component of an online personal financial management (PFM) toolset.

Non-traditional financial services providers, ala WalMart Money Centers, continue to make inroads into the traditional financial institution space.

E-billing appears to be of sustained value to consumers and consolidation of billing service providers may serve to encourage adoption by delivering on economies of scale and ease of implementation.

One of 19 exhibits in this report:

This report is 40 pages long and has 19 exhibits.

Companies mentioned in this report include: Fiserv, Metavante, Yodlee, Jack Henry, Online Resources Corp., iPay, Western Union, Money Gram, WalMart, NACHA.

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About Mercator Advisory Group
Mercator Advisory Group is the leading, independent research and advisory services firm exclusively focused on the payments and banking industries. We deliver pragmatic and timely research and advice designed to help our clients uncover the most lucrative opportunities to maximize revenue growth and contain costs. Our clients range from the world's largest payment issuers, acquirers, processors, merchants and associations to leading technology providers and investors.