>>>>If CKFR is bouncing the consumer back and forth on the web for their bills anyway, and the consumer is then offered a small discount by the biller for going biller direct, and the biller has this email database (thanks to the consolidator), what do you think will happen? Our convenience has gone out the window....
E-mail with hot links to the billers web site will not work. It would require consumers to enter multiple (10+) ID's and passwords and lacks integration with FI's. Through the consolidator model, even if the consumer is required to view the bill detail, they will only be required to enter ONE ID and password. Don't under estimate this convenience.
In addition, as a consumer, If I had the following 2 choices...
1. View bill summary data, able to pay bill without viewing bill detail, with limited number of billers.
2. View bill summary data, required to view bill detail in order to pay bill, with more billers
...I would choose number 2. While it would be nice to only have to view summary data, I would rather have more E-Bills available to me. Personally, I will view bill detail anyway.
The real bottleneck, is not consumers, It's Billers!...and never, ever, forget pay-anyone.
Benny(IMHO) |
