Contents:

Overview Primary Questions Findings and Analysis Modest Growth and Increased Competitive Pressures for Expedited Bill Payment Requires a Honed Strategy: Revenue will be Hard-fought through 2009 Increased Frequency Battles with Downward Price Pressures Increased Frequency is the Key Factor Driving Fee Revenue Consumers are Weighing the Balance between Late Fees and Expedited Payment Fees for Credit Card Bill Online Channel Will Dominate Expedited Bill Payment Constituents with Disparate Goals will face Disparate Challenges: Balancing the Revenue Opportunity with Relationship Enhancement Acknowledgements Appendix: Additional Javelin Consumer Data Table of Figures Figure 1: Total Expedited Payments Fee Revenue 2004-2009 Figure 2: Price and Frequency of Expedited Payments Figure 3: Frequency of Expedited Payments Usage Figure 4: Types of Bills Chosen for Expedited Payments Figure 5: Channel Selection for Expedited Payments Figure 6: Use of Expedited Payments among Consumers Figure 7: Late Fees Avoided by Making Expedited Payments Figure 8: Fees Paid for Expedited Payments