Electronic bill presentment and payment (EBPP) started showing signs of renewed life in the year 2003, after the introduction in the late 90s. It took several years to take the ideas, and industry experts consider 2003 a success, but the high level of adoption by us and average Joes Janes are still a number of years. If you check the electronic bill payment landscape you will note that at this time most of the surge is the use by Generation X demographic, despite the fact that a single-sour