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To: Erik T who wrote (7801)	7/8/1999 1:08:00 PM
From: jjs_ynot	Respond to of 20297

>>> Instead we see fragmentation, uncertainty and lost time in this market. <<< And time to market is measured in Internet years. Steve Harmon claims that 1 Internet year is the equivalent to 7 calender years in other industries since the medium changes so rapidly. A report I heard on Bloomberg that I heard this morning suggests that banks are now spending 25 percent of their marketing dollars on brand-building advertising as opposed to almost 100 percent product advertising last year. That percentage is expected to increase next year. There is a message in that.

To: Erik T who wrote (7801)	7/8/1999 3:15:00 PM
From: Jon Stept	Read Replies (2) \| Respond to of 20297

Erik T, re:"Must be expensive to receive paper bills..." Hi Erik, PayMyBills also caught my attention, and I too wonder how their operation can reduce costs. I would think when the bills are sent to them, possibly the bills are not sent in one bill, one envelope. Maybe they give you a name and id so that they get 100's of bills at once from one vendor, each unique based on your ID. Those are popped into a heavy duty scanner, it puts it in directory based on your ID. And when they send out a payment, it is not one stamp, one payment. It is one stamp to many payments in a consolidated payment. I think 95% of their bills would be handled this way. The bills from small businesses are a different story as they are handwritten a lot of times, and there are not many customers for each one. This will require a lot of manual labor. I would not be surprised if they outsource that or restrict it totally. Just my bill-presentment opinion. Jon :)