Marketers hype electronic bill payments as a wave of the future, but to a couple of million people they are already part of life's routine.

I am one of these early adopters, having signed on nine months ago to test-drive a few of the available personal computer services. I have conducted about 80 transactions adding up to $12,000 via more than a dozen software applications based on the Apple Macintosh and Microsoft Windows operating systems.

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