| 词条 | Electronic bill payment |
| 释义 |
Electronic bill payment is a feature of online, mobile and telephone banking, similar in its effect to a giro, allowing a customer of a financial institution to transfer money from their transaction or credit card account to a creditor or vendor such as a public utility, department store or an individual to be credited against a specific account. These payments are typically executed electronically as a direct deposit through a national payment system, operated by the banks or in conjunction with the government. Payment is typically initiated by the payer but can also be set up as a direct debit. In addition to the bill payment facility, most banks will also offer various features with their electronic bill payment systems. These include the ability to schedule payments in advance to be made on a specified date (convenient for installments such as mortgage and support payments), to save the biller information for reuse at a future time and various options for searching the recent payment history. In many cases the payment data can also be downloaded and posted directly into the customer's accounting or personal finance software. HistoryAlthough this technology was available from the mid 1990s, uptake was initially slow until internet access by households increased. By 2000, adoption of electronic bill payment systems started to dramatically increase. ImpactFrom the consumer's point of view, electronic payment of bills is cheaper, faster, and more convenient than writing, posting and reconciling cheques. In addition, though limitations exist, a wider range of bank accounts or credit cards can be used for the electronic payment of bills. Using electronic bill presentment and payment enables businesses to fast-track customer payments and get access to funds faster, which in turn results in cash flow improvement.[1] For banks the advantages of electronic bill payments are a reduction in processing costs minimizing paperwork and an increase in customer loyalty. In a 2003 study, the banks said that "customers who pay online show more loyalty and are more receptive to other offers".[2] See also
References1. ^{{cite web |url=http://www.ippayments.com/site/?id=58&p=Improvingcustomersatisfactionandcashflow |title=eBPP workshop at CeBIT Future of Payments 2012 |format=PDF |date= |accessdate=December 12, 2012 |archive-url=https://web.archive.org/web/20121211203838/http://www.ippayments.com/site/?id=58&p=Improvingcustomersatisfactionandcashflow |archive-date=December 11, 2012 |dead-url=yes |df=mdy-all }} 2. ^{{Cite news|url=https://www.nytimes.com/2003/04/21/business/banks-offer-sweeteners-to-paying-bills-online.html|title=Banks Offer Sweeteners To Paying Bills Online|last=Bayot|first=Jennifer|date=April 21, 2003|work=The New York Times|access-date=2018-02-13|language=en-US|issn=0362-4331}} 3 : Payment systems|Banking technology|E-commerce |
| 随便看 |
|
开放百科全书收录14589846条英语、德语、日语等多语种百科知识，基本涵盖了大多数领域的百科知识，是一部内容自由、开放的电子版国际百科全书。