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To: jjs_ynot who wrote (1099)	1/9/1999 12:57:00 PM
From: TLindt	Respond to of 20297

The coming electronic revolution will impact commercial bankers to an equal or even greater extent than their retail counterparts. It is true that near-term revenues from the corporate lockbox accounts are unlikely to be significantly threatened by electronic bill presentment. Demand for electronic payment services remains quite low. Billers have invested substantially in paper-based accounts payable and receivable systems, and financial institutions have spent heavily for check processing systems and technology. Hurriedly replacing all of this infrastructure would be terrifically expensive, not to mention disruptive. These factors will act as a brake on the migration from paper to electronic processing. When the market does begin a more noticeable tilt toward electronic payments, however, an era of potentially rapid and profound change will unfold. bai.org