ELECTRONIC BILL PRESENTMENT AND PAYMENT (EBPP) - A GLOBAL STRATEGIC BUSINESS REPORT   

Research Abstract

This report analyzes the worldwide markets for Electronic Bill Presentment and Payment in number of B2C electronic bills generated. The report provides separate comprehensive analytics for the US, Canada, Europe, and Rest of World. Annual estimates and forecasts are provided for the period 2013 through 2020. Also, a seven-year historic analysis is provided for these markets. Market data and analytics are derived from primary and secondary research. Company profiles are primarily based on public domain information including company URLs. The report profiles 79 companies including many key and niche players such as -

ACI Worldwide
Bottomline Technologies, Inc.
Billentis
Communications Data Group
CSG Systems International, Inc.


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Code: MCP-1846
Price: $4500
Companies: 79
Pages: 165
Date: June 2014
Market Data Tables: 19
Status: * New Report

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 TABLE OF CONTENTS


 
   Study Reliability and Reporting Limitations.....I-1  
   Disclaimers.....I-2
Data Interpretation & Reporting Level.....I-2
  
   Product Definitions and Scope of Study.....I-3  
   Proliferation of Internet Economy: A Fundamental Growth Driver.....II-11$100
   Opportunity Indicators.....II-2
Table 1: Number of Internet Users Worldwide (in Million) and Penetration Percentage for Years 2001, 2011 & 2013 (includes corresponding Graph/Chart).....II-2

Table 2: World Internet Economy (2013): Percentage Share Breakdown of Number of Internet Users by Country (includes corresponding Graph/Chart).....II-2
1$350
   Table 3: Worldwide Internet Penetration Rates (%) by Region: January 2014 (includes corresponding Graph/Chart).....II-31$350
   Rapid Mobile Broadband Penetration Provides the Platform for Future Growth.....II-4 1$100
   Table 4: Global Mobile Broadband Subscriptions (in Million) in Developed and Developing Countries: January 2014 (includes corresponding Graph/Chart).....II-5

Table 5: Worldwide Mobile Broadband Penetration Rate (%) by Region: January 2014 (includes corresponding Graph/Chart).....II-5
1$350
   Developments in Internet Security: A Prerequisite for the Growth of eBilling.....II-6
Increasing Use of Internet Enabled Smartphones Encourages Bill Payment through Mobile
  Phones.....II-6
1$100
   The Rise of Customer Self-Service Infrastructure Bodes Well for EBPP.....II-71$100
   Electronic Bill Presentment & Payment (EBPP): Market Overview.....II-81$100
   Key Statistical Findings.....II-9
Table 6: Global Non-Cash Transaction Volumes (In Million) for the Years 2013 & 2015: Breakdown by Type of Transaction (includes corresponding Graph/Chart).....II-9
1$350
   Table 7: Bill Payment Behavior of Internet Connected Households (2013): Percentage Breakdown of Households by Preferred Mode of Payment (includes corresponding Graph/Chart).....II-10

Table 8: Global Non-Cash Transactions (2013): Percentage Share Breakdown of Number of Transactions by Geographic Region (includes corresponding Graph/Chart).....II-10
1$350
   Key Benefits of EBPP Driving Adoption Worldwide.....II-11
Convenience & Mobility.....II-11
Increased Savings & Cost-Effectiveness.....II-11
Streamlined Billing Workflow.....II-11
Enhanced Transparency.....II-11
1$100
   Higher Banking Fees for Conventional Services.....II-12
e-Billing: Emerges as a Competitive Customer Service Strategy.....II-12
Growing Focus on Environmental Sustainability to Benefit EBPP.....II-12
1$100
   Migration to Paperless Work Environment Spells Opportunities for e-Billing.....II-13
Bill Presentment Gains in Prominence.....II-13
1$100
   SMS Bill Presentment Soars in Popularity.....II-14
ATMs Emerge as a Medium of Electronic Payment.....II-14
1$100
   SMBs: An Emerging & Lucrative Customer Cluster for EBPP.....II-15
Convergence of Billing with Customer Analytics Opens a New Window of
  Opportunities.....II-15
1$100
   Launch of e-Bill Adoption Campaigns to Benefit Market Growth.....II-161$100
   Challenges Impeding Wider Adoption of EBPP.....II-17
Underdeveloped Internet Infrastructure in Developing Markets.....II-17
Bandwidth Limitations Limit EBPP Potential.....II-17
Inherent limitations of SMS System: A Serious Cause of Concern.....II-17
1$100
   Lack of Common Standards.....II-18
Key Considerations for Successful Implementation of EBPP.....II-18
1$100
   EBPP: Not a Complete Replacement for Paper.....II-19
Market Outlook.....II-19
1$100
   Electronic Bill Presentment & Payment (EBPP).....II-20
Benefits of EBPP from End-User/Customer’s Perspective.....II-20
1$100
   Benefits of EBPP from Biller’s Perspective.....II-21
Benefits of EBPP to Banks and Remittance Processors.....II-21
Components of EBPP.....II-21
Electronic Bill Presentment.....II-21
1$100
   Push Method.....II-22
Pull Method.....II-22
Multi-Channel Method.....II-22
Electronic Bill Payment.....II-22
Electronic Bill Posting.....II-22
Parties Involved in Implementing EBPP.....II-22
Billers.....II-22
1$100
   End-users/Consumers.....II-23
Bill Consolidator.....II-23
Banks / Financial Institutions.....II-23
Agents/Intermediaries.....II-23
Biller Payment Provider.....II-23
Biller Service Provider.....II-23
Customer Service Provider.....II-23
Customer’s Payments Provider.....II-23
Effectiveness of Billing and Payment Processes.....II-23
1$100
   Typical Business-to-Consumer (B2C) Bill Presentment Models.....II-24
Biller-Direct/ Direct EBPP.....II-24
Advantages.....II-24
Disadvantages.....II-24
Perquisites For Implementing Biller-direct EBPP Solution.....II-24
1$100
   Consolidator Model.....II-25
Advantages.....II-25
Disadvantages.....II-25
Variations of Consolidator Model.....II-25
1$100
   Thin Consolidator.....II-26
Thick Consolidator.....II-26
Personal Consolidator.....II-26
Biller-direct Managed Services Provider (MSP) Model.....II-26
1$100
   Similarities in MSP and Thick Consolidator Models.....II-27
Distinct Features of Biller-Direct MSP Model.....II-27
1$100
   Bill Presentment Models - Comparison on Select Parameters.....II-28
Consumer-to-Business (C2B) Payment Choices.....II-28
1$100
   Typical C2B Bill Payment Models.....II-29
Direct Model.....II-29
Indirect Model.....II-29
Exposition of Different Payment Instruments.....II-29
Automated Clearing House (ACH).....II-29
Credit Cards.....II-29
Debit Cards.....II-29
Checks.....II-29
1$100
   Official Payments Introduces E-Bill Presentment Service.....II-30
FirsTech Launches Fusion EBPP platform.....II-30
SmartPay Adds Convenience & Surcharge Fee Options to Its Payment Solution.....II-30
Billtrust Unveils Updated Version of Invoice Gateway-EIPP Platform.....II-30
TransCentra Unveils New Billing & Payment Solution.....II-30
PPG Industries Industrial Unveils Electronic Billing Facility for Its
  Customers.....II-30
Migrate Mulls Introduction of E-billing Solutions in Ecuador and Peru markets.....II-30
1$100
   Bank of East Asia Introduces EBPP Services for Corporate Cyberbanking and Cyberbanking
  Customers.....II-31
QuickWater (TAK Technology, Inc.) to Introduce Singular Payments Powered fully
  integrated bill presentment & payment module.....II-31
UnitedHealthcare Unveils Electronic Bill-Payment Service.....II-31
BlueKite Unveils Trans-Border Bill Payment Service in Panama, Nicaragua and
  Ecuador.....II-31
BATELCO Introduces eDebit Online Payment System.....II-31
NIBSS Introduces NIBSS e-BILLLspay and Automated Direct Debit (ADD) Electronic Bill
  Payment Systems.....II-31
Harland Financial Solutions Extends Electronic Funds Transfer (EFT) Product
  Portfolio.....II-31
1$100
   Western Union Upgrades its Speedpay Electronic Bill Payment Service.....II-32
Webster Bank Launches eChecking Account.....II-32
HDFC Bank Introduces Credit/Debit Card Based Mobile Payment Service.....II-32
1$100
   Paymentus Completes Acquisition of Tele-Works, Inc......II-33
Emerging Markets Payments and Madfoo3atCom for Electronic Payments Secure Order to
  Develop Jordan’s Electronic Bill Presentment and Payment (EBPP) System.....II-33
Ingenico Completes Ogone Acquisition.....II-33
ACI Worldwide Set to Acquire Official Payments.....II-33
TA Associates Concludes Majority Recapitalization of BluePay Processing, Inc.....II-33
IBT and Payveris Enter Into Partnership to Provide Online Services.....II-33
Harland Financial Solutions Reports Major Electronic Bill Presentment and Payment
  Deals.....II-33
1$100
   AvidXchange and Comdata Corporation Enter into Strategic Partnership.....II-34
Union Bank Chooses Aliaswire & DirectBiller Platforms for Banks Total Biller
  Solution.....II-34
Bank of America Renews Agreement with Fiserv for EBPP Services.....II-34
TA Associates Acquires Minority Stake in BillDesk.....II-34
MasterCard and VersaPay Enter Into an Strategic Alliance Agreement.....II-34
BillingTree Enters into partnership With BestBill to Broaden Payment Options.....II-34
Blackstone Technology Group Enters Into Partnership with Pageonce to Extend Pageonce to
  Utility Companies.....II-34
1$100
   SmartPay Reports Addition of Hiway Express Gas Station and Mel Roth Oil Co Inc. to its
  Extended Customer Base.....II-35
ESI Healthcare Business Solutions and InstaMed Enter Into Partnership to Provide
  Electronic Healthcare Payment Solutions.....II-35
Century Bank to Use Invoice Cloud for Providing EBPP Services.....II-35
VersaPay and Wave Accounting Partner to Provide Electronic Payment Services for Wave
  Payroll.....II-35
API Partners With NBS to Extend EBPP Service to NBS Customers.....II-35
Wholesale Carrier Services Renews Contract With IDI Billing Solutions for CostGuard®
  and OnlineBill® Solutions.....II-35
1$100
   ACI Worldwide (US).....II-36
Bottomline Technologies, Inc. (US).....II-36
Billentis (Switzerland).....II-36
1$100
   Communications Data Group (US).....II-37
CSG Systems International, Inc. (US).....II-37
Discover Financial Services (US).....II-37
1$100
   ebpSource Limited (UK).....II-38
eBillingHub (US).....II-38
Enterprise jBilling Software Ltd. (Canada).....II-38
1$100
   Fiserv, Inc. (US).....II-39
FIS (USA).....II-39
IDI Billing Solutions (US).....II-39
Jack Henry & Associates (US).....II-39
1$100
   Monitise Group Limited (UK).....II-40
MasterCard (US).....II-40
Oxigen Services India Pvt. Ltd (India).....II-40
Pagero AB (Sweden).....II-40
1$100
   PayPal, Inc......II-41
RDM Corporation (Canada).....II-41
Sorriso Technologies, Inc. (US).....II-41
SIX Payment Services Ltd. (Switzerland).....II-41
Visa, Inc. (US).....II-41
1$100
   CyberSource Corporation (US).....II-421$100
   Table 9: World Recent Past, Current & Future Analysis for Electronic Bill Presentment and Payment (EBPP) by Geographic Region - US, Canada, Europe, and Rest of World Markets Independently Analyzed with Number of Business-to-Consumer (B2C) Electronic Bills Generated in Million for the Years 2013 through 2020 (includes corresponding Graph/Chart).....II-431$350
   Table 10: World Historic Review for Electronic Bill Presentment and Payment (EBPP) by Geographic Region - US, Canada, Europe, and Rest of World Markets Independently Analyzed with Number of Business-to-Consumer (B2C) Electronic Bills Generated in Million for Years 2006 through 2012 (includes corresponding Graph/Chart).....II-441$350
   Table 11: World 15-Year Perspective for Electronic Bill Presentment and Payment (EBPP) by Geographic Region - Percentage Breakdown of Number of Business-to-Consumer (B2C) Electronic Bills Generated for US, Canada, Europe, and Rest of World Markets for Years 2006, 2014 & 2020 (includes corresponding Graph/Chart).....II-451$350
   A. Market Analysis.....III-1
Outlook.....III-1
Popular Bill Presentment and Payment Models in Review.....III-1
Consolidator Bill Presentment Model to Outstrip Biller-Direct.....III-1
Multiple Payment Options At Consumer Disposal.....III-1
Electronic Billing - A Greener Alternative.....III-1
1$75
   EBPP Gaining Ground in Utility Sector.....III-2
Recent Industry Activity.....III-2
2$150
   Service Launches.....III-42$150
   Key Players.....III-64$295
   B. Market Analytics.....III-10
Table 12: US Recent Past, Current and Future Analysis for Electronic Bill Presentment and Payment (EBPP): Number of Business-to- Consumer (B2C) Electronic Bills Generated in Million for the Years 2013 through 2020 (includes corresponding Graph/Chart).....III-10
1$200
   Table 13: US Historic Review for Electronic Bill Presentment and Payment (EBPP): Number of Business-to-Consumer (B2C) Electronic Bills Generated in Million for the Years 2006 through 2012 (includes corresponding Graph/Chart).....III-111$200
   A. Market Analysis.....III-12
Outlook.....III-12
Recent Industry Activity.....III-12
Key Players.....III-12
1$75
   B. Market Analytics.....III-13
Table 14: Canada Recent Past, Current and Future Analysis for Electronic Bill Presentment and Payment (EBPP): Number of Business-to-Consumer (B2C) Electronic Bills Generated in Million for the Years 2013 through 2020 (includes corresponding Graph/Chart).....III-13
1$200
   Table 15: Canada Historic Review for Electronic Bill Presentment and Payment (EBPP): Number of Business-to-Consumer (B2C) Electronic Bills Generated in Million for the Years 2006 through 2012 (includes corresponding Graph/Chart).....III-141$200
   A. Market Analysis.....III-15
Outlook.....III-15
Recent Industry Activity.....III-15
Key Players.....III-15
2$150
   B. Market Analytics.....III-17
Table 16: European Recent Past, Current and Future Analysis for Electronic Bill Presentment and Payment (EBPP): Number of Business-to-Consumer (B2C) Electronic Bills Generated in Million for the Years 2013 through 2020 (includes corresponding Graph/Chart).....III-17
1$200
   Table 17: European Historic Review for Electronic Bill Presentment and Payment (EBPP): Number of Business-to-Consumer (B2C) Electronic Bills Generated in Million for the Years 2006 through 2012 (includes corresponding Graph/Chart).....III-181$200
   A. Market Analysis.....III-19
Outlook.....III-19
Recent Industry Activity.....III-19
Service Launches.....III-19
1$75
   Key Players.....III-201$75
   B. Market Analytics.....III-21
Table 18: Rest of World Recent Past, Current and Future Analysis for Electronic Bill Presentment and Payment (EBPP): Number of Business-to-Consumer (B2C) Electronic Bills Generated in Million for the Years 2013 through 2020 (includes corresponding Graph/Chart).....III-21
1$200
   Table 19: Rest of World Historic Review for Electronic Bill Presentment and Payment (EBPP): Number of Business-to-Consumer (B2C) Electronic Bills Generated in Million for the Years 2006 through 2012 (includes corresponding Graph/Chart).....III-221$200
  
Total Companies Profiled: 79 (including Divisions/Subsidiaries - 80)

Region/Country Players

The United States 43 Canada 3 Europe 13 The United Kingdom 6 Rest of Europe 7 Asia-Pacific (Excluding Japan) 16 Africa 3 Middle East 2
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