Electronic bill presentment and payment (EBPP) is usually viewed as a killer application in e-commerce, which will fundamentally change the way customers receive and pay their bills. While many models exist, there is a dearth of information for determining which model would best fit customer characteristics and needs. This paper examines primary models, customer requirements, bill characteristics, and customer types to develop an exploratory framework for determviing which EBPP model a bill-generating firm should employ
