PC-based retail financial services such as electronic bill presentment won't necessarily rob banks of their relationships with customers-despite the role of third-party players like CheckFree, Princeton Telecom, and Visa Interactive. That's according to a recent survey commissioned by Home Financial Network, Inc. (HFN), of Westport, CT.

Even as consumers' awareness of home banking via PCs grows to impressive levels-some 92 percent of survey respondents knew of PC-based bill payment-most retail customers felt they'd rather stick with their bank rather than go to an outside source for bill pay. Some 74 percent of bill payers said they'd prefer that their bank, S&L, or credit union provide them with bill-presentment services, as opposed to only 15 percent who said they'd prefer a technology or software company offer these services. Respondents cited security (33 percent) and privacy (26 percent) as chief concerns when considering adoption of electronic bill payment.

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