Target Skill:
Describe typical applications for BillerXpert and identify the benefits
it provides |
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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.

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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.
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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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