Introduction

• Report Title Page
• EBPP Report Disclaimer
• Certification
• Research Methods
• Market Overview
• Key Definitions
• Key Findings
• Drivers & Restraints
• Direct Biller Market Drivers and Restraints
• Aggregators and Financial Institution Market Drivers and Restraints

Market Size and Share

• EBPP and Online Bill Pay Overall Market Size and Share
• EBPP and Online Bill Pay Market Size and Share by Revenues
• EBPP and Online Bill Pay Market Size and Share by Transactions
• EBPP and Online Bill Pay Market Size and Share by eBills
• Analysis of CheckFree's Transaction Based Revenue
• CheckFree Transaction analysis for Last Nine Quarters
• Market Share and Size for Active Subscribers in 2002
• Active Online Bill Pay Subscribers for Top Two Vendors
• Explosive EBPP and Online Bill Pay Growth for Quarters Ending September 01 thru September 03

Market Forecasts

• Online Bill Pay & EBPP Forecast Methodology
• EBPP and Online Bill Pay Revenue Forecast
• EBPP Forecast by Transaction
• EBPP Forecast for eBills
• EBPP Subscriber Forecast
• EBPP and Online Bill Pay Impact of Revenue and Transaction Forecasts on Average Price
• Forecast of Internet and Mobile Internet users along with Population
• Internet Use by Percent of Total U.S. Population
• Forecast of Population and Internet users along with Active Online Bill Payers
• Future Bills and eBills along with Online Bill Payments

End User Analysis and ROI Calculations

• End User Overview of EBPP Drivers and Restraints
• End User Analysis of the Current Potential Market
• Three Key factors Neccesary for Online Bill Pay
• ROI for End Users Critical Factors
• End User ROI Model
• Projections of Annual Savings for Online Bill Pay Users
• Interest is a Key Determinate of Consumer Incentive to use Online Bill Pay
• Conclusions from Consumer ROI Model Analysis
• The Impact of Interest Rates on Consumer Annual Savings with Online Bill Pay
• Consumer ROI Model Adoption Conclusions
• Critical Relationships Necessary for Consumer ROI
• The Impact of Wealth and Market Strategy on Consumer use of EBPP or Online Bill Pay
• End User Analysis of the U.S. Mail
• DST Systems is a Good Example of the Evolution from Paper to Digital

Financial Institution Case Study and ROI

• Case Study of Bank of America
• Executive Quote from Representative of Bank of America
• Bank of America Statements about Online Bill Pay
• Relationship Growth between CheckFree and Bank of America
• Annual Cost of Software License and Maintenance of Online Bill Pay Solution for Bank of America from CheckFree
• Bank of America Subscriber Growth has Driven CheckFree’s Total Subscriber Growth
• ROI Implementation Calculation for Aggregators/ Financial Institutions
• Bank of America ROI Calculations
• Financial Institutions Further Analysis of ROI
• Unique Opportunity for Financial Institutions with Credit Card Business lines and Online Bill Pay Capabilities

Direct Biller Case Studies and ROI

• Direct Biller Case Study of Metavante and Alagasco Overview
• Direct Bill ROI Calculations for Case Study of Metavante and Alagasco
• Key Factors of Demand Analysis for EBPP by Direct Billers
• ROI Implementation Calculations for Direct Billers
• Importance of eBills for Direct Billers
• Importance of Online Bill Pay for Direct Billers
• Charter Communications Direct Biller Case Study
• Charter Communications Executive Quote
• CSG Systems Executive Quote

Market Participant Profiles

• Profile of CheckFree
• CheckFree Executive Quote
• CheckFree CEO Quote
• Profile of Metavante
• Metavante Executive Quote
• Profile of Yodlee
• Board Member Quote from Yodlee
• Profile of Princeton eCom
• Profile CSG Systems
• Profile of DST Systems
• Profile of edocs
• CEO Quote by edocs
• Executive Quote by edocs

Market Strategies and Overall Conclusions

• The Impact of EBPP on the Contact Center Industry
• EBPP and Online Bill Pay Overall Market Conclusions and General Future Outlook
• Future Drivers of EBPP and Online Bill Pay
• Strategies for Financial Institutions
• Strategies for Consumers
• Strategies for Direct Billers
• EBPP and Online Bill Pay: Winners and Losers

Market Awards

• Frost & Sullivan Awards for the Online Bill Pay and EBPP Market
• EBPP and Online Bill Pay Market Leadership Award
• EBPP and Online Bill Pay Market Strategy Award
• EBPP and Online Bill Pay Vertical Market Strategy Award
• EBPP and Online Bill Pay Customer Value Enhancement Award