Target Skill:

Describe the two EBPP models and list the advantages and disadvantages of each 

Direct Billing Model (Biller Xpert 1.0)

Currently, two main billing models have emerged, each of which meets the needs of billers and customers in a different way: 
  • Direct billing model 
  • Consolidation model 
In the direct billing model, which is the model supported by BillerXpert 1.0, billers host their own web sites and run their own EBPP systems. This model is shown in the following illustration: 

The direct billing model is good for organizations that want to use EBPP to strengthen their relationships with their customers.  This model gives the biller complete control over their point of contact with the customer. However, the direct billing model does not provide the ease-of-use that customers want, because they must visit different web sites to pay their bills.  For this reason, many organizations will migrate to the consolidation model, described on the next page. 
 

 

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