Credit card issuers and other companies are eager to move from paper to electronic billing, but consumers are cold to the idea, according to a study by PSI Global Inc.

In a survey covering 2,800 households, 63% of respondents said they felt it is more "reliable and secure" to send bill payments by mail than on- line, the market research firm reported. Even more-74%-said they like the "privacy" of paying with paper checks, and 72% preferred the "convenience" of that method.

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