E-billing: Understanding the adoption barriers

Garin Toren, Striata
19 May 2010
00:00

Deliver your electronic document to the consumer. Until billers and financial institutions utilize secure electronic delivery models, consumers will not go paperless. Fetching a bill from a portal will never match the convenience of receiving it.

Enable security that is trusted, robust and intuitive. Consumers will not jump through your security hoops just so they can save you the cost of printing and postage. However they need assurance that their personal information is secure.

Detach presentment from payment. The majority of consumers will pay through Internet banking. As it is neither possible, nor desired to have the bill presented in that location, billers must divorce presentment from payment.

Ensure presentment is mobile enabled. Waiting for mobile devices to be secure and web browser friendly is unnecessary. Secure mobile delivery channels already exist today.

Finally, offer a paperless option that is more convenient for the consumer than paper. Secure document delivery via email is more convenient than paper. It is quicker to deliver and easier to store and forward. 
 
Garin Toren is CEO of Striata. http://www.striata.com

This article originally appeared on TM Forum's Inside Revenue Management

 

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