Executive Summary (This is a document excerpt)

Between 2009 and 2014, the total number of US online bill payment households will increase from 48 million to 63 million. Despite the early gains of direct billers, Forrester believes that bill consolidators like banks have a slight advantage in a maturing market. Nevertheless, bank eBusiness executives must secure this edge through cultivation of solid bill payment relationships with young affluents and other young adults, who are significantly more likely than the average online user to pay via billers' sites. eBusiness executives must also invest in tools supporting the shift from a focus on adoption alone to one that encourages activation and repeat usage.

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