Presented by:Ainah Binti Awanf 2014670898

Clifrich Chuck Johny 2014432538Najihah Binti Sapawi 2014848912

Prepared for:Asoc. Prof. Datuk Dr Worran Hj Kabul

Lecturer For Marketing Management (MKT750)

Takes on the E-Billing Market

Company Overview Started in August 1984 Joint Venture Company – Sunshine State Systems & First

Data Processing In 2007,entered an agreement to acquire CheckFree Check free – E-Bill & E-Payment

E- Billing Market Analysis Based on Black and Johnston research – 73% agreed to use

E-Bill for long term. Trial period – helped ease confusion about E-Billing Possible lucrative business

INTRODUCTION

Consumer preferred to use E-Payment rather than E-Billing 2009, only 20% household use E-Billing Effect : Fiserv gained less revenue compare to 2008

Blank & Johnston – doing a research to understand feedback of E-Billing technology

The research based on 6 categories:1. E-Savvy Planners2. Maximizers3. Self Improvers4. Convenience Seekers5. Desperates Avoiders6. Paranoids Paper-Pushers

Problem Statement

Based on the research :

“they responsible to provide recommendation to the e-commerce division on how Fiserv could make strides in electronic bill presentment / E-Billing and how to convince consumers to switch off paper bill”

Strength Weakness

• market leading electronic financial service• Strong financial position and good reputation in industry• Innovative products and customer focused service.• Greater security.• Reduce payment claim due to human error.• Reduce production & delivery cost.• Enhance environmental practice

• Technology failure• Non – IT savvy• Focus on only single sector in industry• Limited brand presence

Opportunities Threats

• 86 M households in US are online• Increasing usage online payment (70% in 2009)• Increased consumer satisfaction• Assist to create annual saving for billers• 10 bills received by households per month• 0% charge by biller to consumers

• Less than 20% consumers use eBill to view bill• Consumer perception • Computer problems may cause difficulties to fully eBill consumer• Hackers

Product Provide sufficient information & ensure acceptable file size for

eBill’s mediums

Price Paper-bill charged to consumer

◦ Consider option to charge consumer◦ Required careful consideration◦ R: to explain rules & regulation applied for paper-bill / eBill

MARKETING STRATEGY (4Ps)

PROMOTION

Positioning and Promoting E-Bills at Account Opening

Broad Usage of Mass and Digital Media Advertising.

Executing Omni-Channel Billing and Payment Strategy

Using Trial Periods as E-Bill introduction

Building a Merchant / Service Provider Partnership

PLACE

THANK YOU

Q & A SESSION