In 2005, electronic bill payment and presentment (EBPP) adoption grew by 34%, the highest annual growth rate in four years. Robust adoption growth is expected during the next five years, as the number of EBPP users will grow by 63% to roughly 60 million households. Gen Yers will propel the growth, as this generation will see a five-year growth rate of 157%. The annual growth rate at banks will continue to surpass that of biller sites during the next five years. To keep the EBPP growth momentum going, banks should automatically enroll all new online bankers in bill pay, leverage branch staff to sell EBPP, and offer online tools to help new checking customers move bill pay data from their old banks.