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EBPP - The Market PotentialProduct Type: Market Research ReportPublished by: Tarifica at PBI Media LLC Published: March 2001 Product Code: R273-0025 Description Electronic Bill Presentment and Payment (EBPP) is the term used to describe the capability to present bills to customers and to facilitate their payment by electronic means. EBPP offers the opportunity to eliminate costs associated with printing paper bills, reduce delivery delays and provide a channel for two way communications between suppliers and their customers on a one-to-one basis, enabling personalised marketing and robust business/consumer relationships to be constructed. Whilst EBPP can help simplify bills for customers, the market place is complex, with different types of players and EBPP models. This report is your guide to this complex market. It helps you understand EBPP business models, key players and the challenges they face. It discusses the key industry issues - such as standardisation, security and data privacy and evaluates EBPP service developments in USA, Europe and Asia Pacific, as well as future directions and market forecasts.
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Table of Contents CONTENTS LIST OF FIGURES INTRODUCTION AND OBJECTIVES EXECUTIVE SUMMARY 1. WHAT EBPP IS ALL ABOUT 1.1 Definition of EBPP 1.2 Components 1.3 A confused market place UNDERSTANDING EBPP BUSINESS MODELS 1.4 EBPP Types 1.4.1 Biller Direct 1.4.2 Email based 1.4.3 Consolidation and hybrids 1.4.4 Consumer centric aggregation 1.4.5 The rise of the portal Yahoo Netscape and Vendor portals 1.4.6 Service Bureau 1.4.7 ASP Model 1.4.8 Developments 1.4.9 Conclusion EBPP Types 2. VENDORS 2.1 Key players 2.1.1 Service Bureau players 2.1.2 Email Based players 2.1.3 Consumer Centric Aggregator players 2.1.4 Consolidator players 2.1.5 Biller Direct players 2.1.6 General EBPP categories 2.2 Vendor issues highlighted 2.3 Bricks and Clicks 2.4 Educating the customer 2.5 Key issues 3. STANDARDS 3.1 A lack of standardisation and clarity of aims 3.2 Standardisation as an imperative STANDARDISATION ATTEMPTS 3.4 OFX 3.5 GOLD 3.6 IFX 3.7 Spectrum 3.8 Transpoint 3.9 Mastercard B2B STANDARDISATION 3.10 IDENTRUS 3.11 Standardisation developments outside the US TECHNOLOGY STANDARDS 3.12 XML, WML and Enterprise Java 3.13 Conclusion - Standards 4. END USER PROTECTION SECURITY, DATA PRIVACY AND LEGAL ISSUES SECURITY 4.1 Security issues 4.2 Is EBPP Safe? 4.3 Financial security criminal and fraudulent use 4.4 Broadband saviour or sinner of the Internet world? 4.5 Security standardisation 4.6 Conclusion - Security DATA PRIVACY 4.7 Sales/marketing opportunities and privacy intrusion 4.8 Data mining 4.9 TRUSTe 4.10 Privacy protection as a business 4.11 Conclusion Data Privacy LEGAL ISSUES 4.12 Legal issues surrounding the legal binding power of email and electronic signatures 4.13 Email 4.14 Electronic and digital signatures 4.15 Regional legal issues 4.16 Conclusion - Legal 5. EBPP SERVICE DEVELOPMENT 5.1 Who uses EBPP now and in the future? 5.2 Banks 5.3 Utilities 5.4 Telecom operators 5.5 Operators implementing EBPP services 5.5.1 North America 5.5.2 Europe 5.5.3 Asia Pacific 5.6 Other implementers - the postal industry 6. CUSTOMERS AND DEMAND 6.1 Customer demand present and future 6.2 EBPP potential markets 6.3 B2B, B2C and SME market potential 6.4 B2B momentum driving B2C take-up 6.5 B2B complexities and problems 6.6 SME market demand 6.7 Conclusion Customers and Demand 7. CHOOSING AN EBPP SOLUTION 7.1 Primary considerations 7.2 B2B issues when choosing an EBPP solution 7.3 CRM issues when choosing an EBBP solution 7.4 Conclusion Choosing an EBPP solution 8. REGIONS AND STATE OF DEVELOPMENT 8.1. USA 8.1.1 Global expansion 8.1.2 Nationalistic approach 8.1.3 Legacy cheque industry 8.1.4 Acquisition/merger 8.2. EUROPE 8.2.1 A diverse market place 8.2.2 Financial institution differences 8.2.4 Financial issues in Europe 8.2.5 A unified Europe 8.2.6 Likely European EBPP models 8.2.7 Brand power 8.2.8 How much to adopt, how much to adapt 8.3. ASIA PACIFIC 8.3.1 Economic down-turn 8.3.2 Technology 8.3.3 Financial transactions 8.3.4 Local partnering knowledge 8.3.5 Future development 8.3.6 China 8.3.7 Australia Europe in Asia 9. FUTURE TRENDS 9.1 The power of television 9.2 EBPP and e-commerce future development 9.3 Old industry model versus new 9.4 The problem of online anonymity in e-transactions 10. EBPP - ENABLING VALUE ADDED SERVICES CRM, E-CARE AND ONE-TO-ONE MARKETING 10.1 Importance of customer servicing 10.2 Money savings 10.3 Saving time/CSR resources 10.4 Enabling enhanced customer services 10.5 One-to-one marketing 11 THE CONTENT ECONOMY 11.1 EBPP as driver of the value based billing model 11.2 EBPP as enabler of near real-time billing 12. MARKET FORECASTS Service revenues 2001 through 2005 for North America, West Europe and Asia Pacific 13. CONCLUSIONS 14. METHODOLOGY 15. APPENDIX GLOSSARY List of Figures Page Figure 1: Biller Direct process Figure 2: Email based process Figure 3: Thick Consolidator process Figure 4: Thin Consolidator process Figure 5: Consumer-centric aggregation process Figure 6: Service Bureau process Figure 7: Invited Pull process Figure 8. The pros and cons of major EBPP solutions Figure 9: EBPP vendors by primary EBPP model offered Figure 10: OFX Solution providers offering OFX 2.0 (latest version) Figure 11: OFX Implementation Figure 12: Spectrum member partners Figure 13: Mastercard competitors and e-initiatives Figure 14: IDENTRUS members Figure 15: IDENTRUS transaction process Figure 16: Major online security companies Figure 17: Security risks current and predicted by security breach type Figure 18: Table - security risks current and predicted by security breach type Figure 19: Board members Financial Services Roundtable Figure 19: Operator EBPP implementations and planned implementations Figure 20: Known EBPP implementations and planned implementations (map) Figure 21: Known EBPP implementations and planned implementations Figure 22: e-Commerce Forecast Growth (US) Figure 23: EDI, Internet and other systems used in US B2B transactions Figure 24: EBPP selection process flow Figure 25: EBPP capability in relation to area of effect Figure 26: Usage of wireless devices for financial services -- 2000 Figure 27: Wireless financial services forecast growth 2000-2005 Figure 28: US Internet-based EBPP Sales of vendor solutions forecast growth 2000-2004 Figure 29: European Internet-based EBPP sales of vendor solutions forecast growth 2000-2004 Figure 30: Asia/Pacific Internet-based EBPP sales of vendor solutions forecast growth 2000-2004 Figure 31: Internet-based EBPP sales of vendor solutions global comparisons Figure 32: Internet-based EBPP sales of vendor solutions market share by year 2000 Figure 33: Internet-based EBPP sales of vendor solutions market share by year 2001 Figure 34: Internet-based EBPP sales of vendor solutions market share by year 2002 Figure 35: Internet-based EBPP sales of vendor solutions market share by year 2003 Figure 36: Internet-based EBPP sales of vendor solutions market share by year 2004 Figure 37: IDENTRUS financial transaction usage forecast Figure 38: Forecast market segment by EBPP vendor type - world market Figure 39: Market segment by EBPP vendor type - world market 1998 Figure 40: Market segment by EBPP vendor type - world market 2000 Figure 41: Forecast market segment by EBPP vendor type - world market 2003 Figure 42: Forecast market segment by EBPP vendor type - world market 2005 Figure 43: US electronic bill payment and presentment households forecast growth 1999-2005 Figure 44: Table US electronic bill payment and presentment households forecast growth 1999-2005 Figure 45: Electronic Bill Payment and Presentment Households Global Shares Forecast 2005 Figure 46: Global Electronic Bill Payment and Presentment Households Forecast 2005 |
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