Indeed, new software offers low-cost opportunities to combine data and activities in ways that may not even have seemed practical a few years ago. Current electronic bill payment services and projects are one example.
It is becoming increasingly convenient not only to make on-line bill payments but also to combine this activity electronically with financial analysis, cash and investment management, record management, and related functions. Third, electronic payment systems typically require a communications infrastructure along with technical, business, and legal rules in order to function effectively.