SAN FRANCISCO - Online bill payment may eventually become a key source of revenues for banks, but widespread adoption by customers and billers is considered unlikely at least until the industry puts aside rivalries and agrees on a standard, interoperable way to deliver it.

"Put yourself in the customers' shoes," said Bruce Luecke, executive vice president of Bank One Corp.'s retail group. "You may have multiple accounts, and will be very frustrated to have to navigate through different interfaces every week or every month to pay the bills."

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