In the uphill struggle to gain both customers and revenue for banks' online bill-pay features, vendors continue to tweak their offerings with enhanced services. The latest example: Fidelity National Information Services (FIS) last month launched its revamped, turnkey biller-direct service that in addition to expanded services to consumers-think e-bill delivery-also lets corporate bankers package the solution for their own merchant clients in lockbox and commercial cash management services. Fidelity, which has 6,000 client institutions on its bill-pay platform, already has two banks reselling down to the client base, hoping to showcase the profit-center potential of what, to now, has been a me-too albatross for many institutions. "What we anticipate is there will be similar income as there is for banks who offer remote capture to commercial clients," says Preston Thornton, FIS product manager for e-payments.

In the same week, Jack Henry & Associates debuted an enhanced version of its bill-pay product service that brings an expedited-payment feature set that has begun to populate many popular third-party platforms, including market-leader CheckFree, Metavante, Yodlee, and Online Resources. Jack Henry's NetTeller Bill Pay product gains a quick-pay, overnight check delivery service and guaranteed bill-pay arrangements via ACH.

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