EBPP THAT WINS IN 2004

The electronic presentation and the payment (EBPP) of the account began to demonstrate samples of the life renewed in 2003, after their introduction in the last 90s. It took some years so that the idea removes, and the experts of the industry are considering a 2003 success, but a high rate of adoption surrounds we make an average of Joes and Janes continues being a number of absent years.

If you examine the electronic landscape of the payment of the account that you will observe that the present big wave of the use is to a large extent next to demographic generation X, although an option of the only-source is not still in pleases. The forecasters thought that the banks would be probably the option of the only-source, but still is infrastructure no consolidated solid between those banks that have systems in the place. The way that now is working is much like the machines of box automated of the way (ATMs) used to work, that is providing with the access only to certain card holders specific affiliations.

Whereas the banks are taking measured towards the consolidation of the infrastructure, in 2004 we will see probably a continuous proliferation of the individual organizations, where each has its own presentation and strategies and solutions of the payment. The consumers will have to go to the multiple sites to pay their accounts, and for in the short term he will tolerate that system.

For the long term nevertheless, the system of only-source EBPP is going to be the process of the option for the consumers. Possible, they will want electronically to receive and to pay all the accounts of only the site, but that one will not happen until the aforesaid consolidation.

Many banks will work in extra hours during 2004 to educate in line to consuming on the advantages of the banking activities, because it will be a saving of costs to them. There is much or upfront costs to the banks and the financial institutions, the last advantages to process payments through the clearing house automated of Fed (ACH) in time with of the postal service are immense. Everything boils down to an edition COST-saving.

I ask myself how long will take average industralist to embrace this new EBPP? You and I will be comfortable maintaining a Web site or a certain type of electronic presence so that to be able electronically to send to the account to our clients/clients for the merchandize or the services? Perhaps this one is how our ancestors felt when Henry Ford tried to replace the horse and cochecillo by his machine car, but I must say that to certain encounter comfort in the “sign of good, old-fashioned paper”.

I must confess that I use the electronic sign in the occasion, especially when I know the mail will not beat the date due in the invoice of my jet, but to transact all the commerce via EBPP is another matter. One must admit nevertheless, that at least 1/3 of our space of office at the moment is dedicated to the filled archives of the paper.

However, that “sign of old paper” is comforting - like the fallen crumbs of the cake whereas they walk in the wood that assure to us we will find our home of the way again.

Business of the writing of EBook

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