During the dawn of the Internet, the ability to seamlessly and electronically conduct commerce was envisioned.  This new e-commerce was meant to make our lives easier by being able to purchase and pay for things over the Internet without barriers or hassle.  A new industry emerged.  Banks saw the opportunity to allow more payments flow through their system and added bill payment services as a convenience.  In the early days banks charged a fee for the service because it was easier and cheaper than writing a check and mailing payments to various service providers: credit cards, utilities, car payments, etc.  Those fees eroded as the ability to pay directly to the service provider came to life and marginalized the service provided by the bank.  Insurance carriers were slow to adopt these new abilities due to a variety of issues including security, customer demand, need etc.  In the end, e-commerce is meant as a way to provide better customer service and foster loyalty. 

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