{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,3,18]],"date-time":"2026-03-18T18:22:03Z","timestamp":1773858123001,"version":"3.50.1"},"reference-count":26,"publisher":"Emerald","issue":"3","license":[{"start":{"date-parts":[[2009,7,17]],"date-time":"2009-07-17T00:00:00Z","timestamp":1247788800000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.emerald.com\/insight\/site-policies"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2009,7,17]]},"abstract":"<jats:sec><jats:title content-type=\"abstract-heading\">Purpose<\/jats:title><jats:p>The purpose of this paper is to develop a multi\u2010user electronic bill presentment and payment (EBPP) model that would enhance the present billing systems as well as overcome the problems of periodic generation of billing reports and mail volumes.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-heading\">Design\/methodology\/approach<\/jats:title><jats:p>The paper evaluates three existing models of EBPP: Biller\u2010direct, consolidation, and invited pull models and identifies their limitations. Then, the thin consolidation model approach is modified by developing an Extensible Hypertext Markup Language based architecture that is capable of consolidating billing reports from a variety of disparate heterogeneous sources. The modified model is implemented using two case studies.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-heading\">Findings<\/jats:title><jats:p>The modified consolidation model of the EBPP enhances quick subsequent notification of bills to the consumer for goods or services previously rendered. In the model, a user could pay for multiple services rendered by companies; this in turn overcomes mail volumes.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-heading\">Originality\/value<\/jats:title><jats:p>This paper develops a data integration and unification architecture that will allow billing reports from multiple billers to be integrated into a unified database.<\/jats:p><\/jats:sec>","DOI":"10.1108\/09685220910978121","type":"journal-article","created":{"date-parts":[[2009,7,11]],"date-time":"2009-07-11T07:04:11Z","timestamp":1247295851000},"page":"234-247","source":"Crossref","is-referenced-by-count":4,"title":["On consolidation model in e\u2010bill presentment and payment"],"prefix":"10.1108","volume":"17","author":[{"given":"Olufunke","family":"Vincent","sequence":"first","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Olusegun","family":"Folorunso","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Ayodele","family":"Akinde","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"140","reference":[{"key":"key2022030819492592500_b1","unstructured":"Agboola, A.A. (2006), \u201cElectronic payment systems and tele\u2010banking service in Nigeria\u201d, Journal of Internet Banking and Commerce, Vol. 11 No. 3, pp. 1\u20106."},{"key":"key2022030819492592500_b2","unstructured":"Alexandria, A., Lisa, C.B., Eve, M.B., Oscar, C., Sujit, C., Thomas, C. and Edward, G. (2001), \u201cElectronic bill presentment and payment\u201d, Economic Perspectives, Vol. 4, pp. 2\u201016."},{"key":"key2022030819492592500_b3","unstructured":"Barto, G.L. (2001), \u201cEBPP consumer trends\u201d, GartnerGroup Interactive, available at: www.3.gartner.com\/Init."},{"key":"key2022030819492592500_b4","doi-asserted-by":"crossref","unstructured":"Bressan, A. and Goh, C.H. (1998), \u201cAnswering queries in context\u201d, Proceedings of Flexible Query Answering Systems, 3rd International Conference, FQAS, Roskild.","DOI":"10.1007\/BFb0055992"},{"key":"key2022030819492592500_b5","unstructured":"Dawne, C. (2002), \u201cElectronic billing: understanding the road to adoption\u201d, DST OUTPUT, White Paper."},{"key":"key2022030819492592500_b6","unstructured":"Dawne, C. (2004), \u201cElectronic billing: understanding the road to adoption\u201d, Electronic Solutions Division, DST Output, The Adoption of Electronic Billing, pp. 1\u20106."},{"key":"key2022030819492592500_b7","unstructured":"Firat, A. (2003), \u201cInformation integration using contextual knowledge and ontology merging\u201d, PhD thesis, MIT, Cambridge, MA."},{"key":"key2022030819492592500_b8","unstructured":"Flatraaker, D. and Robinson, P. (1995), \u201cIncome cost and pricing in the payment system\u201d, Economic Bulletin, Vol. 76, pp. 321\u201032."},{"key":"key2022030819492592500_b9","unstructured":"Glossman, D.B., Richard, H.R., Scott, A.S. and Kenneth, M.U. (2000), The Electronic Bill Presentment and Payment (EBPP) Handbook, Lehman Brothers Industry Reports, Lehman Brothers, Tarrytown, NY, March 14."},{"key":"key2022030819492592500_b10","unstructured":"Goh, C.H. (1997), \u201cRepresenting and reasoning about semantic conflicts in heterogeneous information systems\u201d, PhD thesis, MIT, Cambridge, MA."},{"key":"key2022030819492592500_b11","unstructured":"Gram, W.H. (2001), FSTC's Phase two Fast Aggregation Pilot, Federal Reserve Bank of Chicago, Chicago, IL, April Report."},{"key":"key2022030819492592500_b14","unstructured":"Jeffrey, A.W. (2000), Electronic Bill Payment and Presentment: Jump\u2010staring the Next Great Web\u2010enabled Consumer Empowerment Engine, Robertson Stephen e\u2010Processing Research, Cambridge."},{"key":"key2022030819492592500_b15","unstructured":"Jimenez, L. (2005), \u201cElectronic substitution for mail: models and results, myth and reality\u201d, Pitney Bowes, presentation at the National Postal Forum, Nashville, TN, March 20\u201023."},{"key":"key2022030819492592500_b16","unstructured":"Kerr, K. and Litan, A. (2000), \u201cTrends in business\u2010to\u2010consumer electronic bill presentment and payment\u201d, GartnerGroup Interactive, August 25."},{"key":"key2022030819492592500_b17","unstructured":"Litan, A. (2000), \u201cE\u2010bill consolidation is attractive, but vendors must do more before consumers agree\u201d, GartnerGroup Interactive, November 13."},{"key":"key2022030819492592500_b18","doi-asserted-by":"crossref","unstructured":"Madnick, S., Moulton, A. and Siegel, M. (2002), Context Interchange Mediation for Semantic Interoperability and Dynamic Integration of Autonomous Information Sources in the Fixed Income Securities Industry, WITS, Barcelona, pp. 61\u20106.","DOI":"10.2139\/ssrn.376863"},{"key":"key2022030819492592500_b12","unstructured":"NACHA (2000), ACH Professional Handbook: An Overview, Vol. 17, ACM TOIS, National Automated Clearing House Association, Integration of Information, Herndon, VA, pp. 270\u201093."},{"key":"key2022030819492592500_b19","unstructured":"Penny, G. (2001), \u201cElectronic presentment and payment: selecting the right vendor\u201d, Planning Assumption, RPA\u2010122001\u201000034."},{"key":"key2022030819492592500_b20","unstructured":"Radecki, J.L. and John, W. (1999), \u201cPaying electronic bills electronically\u201d, Current Issues in Economics & Finance, Vol. 5 No. 1."},{"key":"key2022030819492592500_b21","unstructured":"Rini, N. (2000), \u201cPaperless billing: what's the payoff?\u201d, Wireless Review, No. 18, September 15, pp. 64\u201070."},{"key":"key2022030819492592500_b22","unstructured":"Sadingra, J., Stephanie, B. and Staute, M. (2005), \u201cA case study of electronic bill presentment and payment (EBPP) integration using the coin mediation technology\u201d, MIT Sloan Working Paper 4557\u201005 CILS."},{"key":"key2022030819492592500_b23","unstructured":"Shawn, P.F. (2005), \u201cBill presentment and payment: electronic vs. mail\u201d, Pitney Bowes Research, No. 9, Pitney Bowes, Stamford, CT, pp. 1\u201027."},{"key":"key2022030819492592500_b24","doi-asserted-by":"crossref","unstructured":"Tanna, G.B., Gupta, M., Rao, H.R. and Upadhyaya, S. (2005), \u201cInformation assurance metric development framework for electronic bill presentment and payment systems using transaction and workflow analysis\u201d, Decision Support Systems, Vol. 41, pp. 242\u201061.","DOI":"10.1016\/j.dss.2004.06.013"},{"key":"key2022030819492592500_b25","unstructured":"Vincent, O.R. and Akinde, A.D. (2007), \u201cBuilding mechanisms of trust in securing electronic payment system\u201d, Proceedings of the National Conference on Advanced Data Computing Communications and Security, Kadi, pp. 233\u20107."},{"key":"key2022030819492592500_b26","unstructured":"Whaling, J. (2000), Travel the Road from Paper\u2010based to Electronic Bill Presentment and Payment: Drivers and Inhibitors, Tower Group, New Milford, CT."},{"key":"key2022030819492592500_frd1","doi-asserted-by":"crossref","unstructured":"Humphrey, D.B., Lawrence, B.P. and Jukka, M.V. (2000), \u201cThe cheque's in the mail: why the United States lags in the adoption of cost\u2010saving electronic payments\u201d, Journal of Financial Services Research, Vol. 17 No. 1, pp. 17\u201039.","DOI":"10.1023\/A:1008163308353"}],"container-title":["Information Management &amp; Computer Security"],"original-title":[],"language":"en","link":[{"URL":"http:\/\/www.emeraldinsight.com\/doi\/full-xml\/10.1108\/09685220910978121","content-type":"unspecified","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/www.emerald.com\/insight\/content\/doi\/10.1108\/09685220910978121\/full\/xml","content-type":"application\/xml","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/www.emerald.com\/insight\/content\/doi\/10.1108\/09685220910978121\/full\/html","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,7,25]],"date-time":"2025-07-25T00:09:10Z","timestamp":1753402150000},"score":1,"resource":{"primary":{"URL":"http:\/\/www.emerald.com\/ics\/article\/17\/3\/234-247\/182604"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2009,7,17]]},"references-count":26,"journal-issue":{"issue":"3","published-print":{"date-parts":[[2009,7,17]]}},"alternative-id":["10.1108\/09685220910978121"],"URL":"https:\/\/doi.org\/10.1108\/09685220910978121","relation":{},"ISSN":["0968-5227"],"issn-type":[{"value":"0968-5227","type":"print"}],"subject":[],"published":{"date-parts":[[2009,7,17]]}}}