Good points Brooks. Wells Fargo is sitting at all the important tables...Intregrion, MSFDC, and CKFR. All the bankers want AT LEAST one viable competitor for CKFR to keep them honest.
Given CKFR's huge lead in the billpay market, it makes lots of sense for MSFDC to begin their push in E-bill, where CKFR is just getting off the ground, too.
I expect banks in the not too distant future will begin offering "FREE! home banking with electronic billpay!" What that will mean is account access thru an OFX compliant web server and an E-bill offering. (and the banker can offer MSFDC or CKFR E-bill)
Alternatively, if you want account access, E-bill, AND the ability to pay someone that isn't delivering their bills to an E-Biller, that will be "Home banking Deluxe" and will cost $5.95 per month. (This service will require today's billpay offering from CKFR or Travelers, plus somebody's E-Bill service, plus a web server for account access).
There is no doubt CKFR is in the drivers seat, since they can play under both scenarios, where MSFDC needs a Billpay partner to go both ways. I wonder who they will connect with?
Good luck,
Brian COG
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