Target Skill:

Describe typical applications for BillerXpert and identify the benefits it provides 

Who Uses Biller Xpert?

BillerXpert is designed to support EBPP for different types of billing organizations. To make implementation faster and easier, BillerXpert provides “stencils,” which are customizable, prefab applications tailored to the needs of a specific industry. At the current time, stencils are available for the Telco and Cable industries.  The following paragraphs describe some of the industries most interested in EBPP, and why they are interested.

  • Utilities are motivated to implement EBPP by changes due to deregulation and by the need to differentiate their services. To be successful in this market, BillerXpert must provide rapid implementation and ease of integration with existing billing systems. 

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  • Telecommunication companies want EBPP for competitive differentiation and to achieve long term reduction in consumer service costs . Telcos are interested in selling additional options and services, and directing customers to affiliated or subsidiary organizations. Telcos are also responding to demands from large commercial customers for online access to statement information, to support analysis and planning. 
  • Cable companies want to reduce consumer service costs.  EBPP is also the kind of new service that may help motivate customers to use cable for Internet access.

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  • Commercial banks want to implement EBPP to provide service to billers processing paper and electronic payments through the bank. Banks are under pressure from online services, like CheckFree or TransPoint, who are providing on-line transaction processing in competition with commercial banks. 

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  • Users of EBPP in retail banking are consumers that hold checking or savings accounts with retail banks. Retail banks are moving to EBPP to maintain their relationships with their customers. For retail banks, BillerXpert must provide a solution for paying credit cards, mortgages, and automobile loans. 
 
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