When implementing electronic presentment services, Billers can choose one of two electronic options.

1. Biller Direct ? customers register to receive their electronic bill direct from the individual Biller site
2. Aggregation Service - customers register to receive all registered electronic bills from the one online area, most commonly their Internet banking site. BPAY View is an example of an aggregation service.

Research from the US indicates that customers prefer to receive electronic bills at their existing online banking site¹, with predictions that over the next two years growth in presentment via bank sites will be double that of Biller direct sites².

However the two services do not have to act in competition, with research also showing that 72 per cent of customers registered for e-presentment via their Internet banking site also regularly visit the Biller's own website¹.

By offering e-presentment via both your own site and an aggregation site such as BPAY View, Billers can ensure they meet their online audience at their preferred point of contact and gain maximum registration for electronic bill presentment¹. The use of an aggregation site also provides an additional 'recruitment' channel to attract consumers to the Biller site, and gives you the opportunity to leverage the e-billing marketing done by the financial institution².

¹CheckFree Research Services, Understanding and Driving Consumer Adoption of E-Bills: Enabling Biller Organisations to Push for Paperless Billing, May 2007

² CheckFree Research Services, Best Practices to Help Billers Drive Consumer Adoption of Paperless E-Bills: Increase E-Bill Usage While Increasing Customer Satisfaction, May 2008.