There are two types of presentment models:

• direct model: a biller delivers the bill to customers via its own Web site, or via a third-party's site.
• consolidator model: bills from multiple billers are delivered to a single Web site, to be presented in aggregate to the consumer for viewing and payment.

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Consumers Not Ready for EBPP
Only 7 percent of U.S. households think they will be capable of sending and receiving bills via the Internet within six to 12 months.

The First Step to E-Care: EBPP
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Utilities Increasingly Turning to E-Billing
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