Electronic bill presentment and payment could generate $500 million for businesses that help billers get on-line over the next couple of years, according to a Goldman, Sachs & Co. analyst.

The estimate assumed that 20% of households will be banking on-line, up from about 5% today, and that most of these also will pay bills on-line, said Lori B. Appelbaum, Goldman's regional bank analyst, in a recent report.

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