What's Your Type? CheckFree-Sponsored Lieberman Study Identifies Six Types of Bill Payers
17 Novembro 2004 - 7:00PM
PR Newswire (US)
What's Your Type? CheckFree-Sponsored Lieberman Study Identifies
Six Types of Bill Payers -- From Maximizers to Desperate Avoiders,
Americans Approach Paying Bills Differently -- ATLANTA, Nov. 17
/PRNewswire-FirstCall/ -- While monthly bills are a fact of life
for most consumers, the approach people take to paying their bills
varies widely. Today, CheckFree Corporation (NASDAQ:CKFR) announced
the results of a 2004 survey conducted by Lieberman Research. The
survey found that Americans fit into six categories when it comes
to attitudes about paying their bills, and that these segments are
likely to approach bill paying in very different ways -- ranging
from seeing their bill payment behavior as a way to get ahead to a
task they are desperately trying to avoid. The Lieberman survey of
1,200 Internet users, sponsored by CheckFree, which powers the bill
payment services of more than 1,400 banks and Web sites, is
representative of the approximately 74 million online consumer
households in the United States. As of June 2004, an estimated 52.7
percent of online households have paid at least one bill online
according to CheckFree Analytic Research Services, a group that
studies consumer financial behavior year-round to enhance products
and share trends with the company's clients. The participants in
the CheckFree-Lieberman study either have primary responsibility
for paying their household's bills or share that responsibility.
The attitude segmentation found that most Americans fit into one of
the following six bill payment categories: - e-Savvy Planner --
e-Savvy planners are excited by the idea of trying the latest
technology products and services and are willing to spend money on
tools that make managing their finances easier. They tend to be
organized and successful financial planners, are technology
optimists who may be among the first to use the latest gadgets, and
are often asked for technology advice by friends and family. They
typically sign up for electronic billing and payment at their bank,
credit union or brokerage site, because of the flexibility and
centralized features that such a service provides. - Convenience
Seeker -- Convenience seekers do not want to spend a long time
paying bills. They are interested in "quick and easy" services and
are likely to pay their bills online at a single Web site such as
their bank. Convenience Seekers are more likely than the other
segments to believe that paying bills online is safer than paying
bills via the paper mail, and value the ability to track and
control their spending from one site. - Self-Improver --
Self-Improvers find financial management to be stressful and time
consuming, but they are actively seeking help to gain control of
their finances. They often struggle to manage their budgets, may
overlook bills and frequently carry a balance on their credit
cards. They are in search of an organizational system that gives
them increased control and makes managing finances easier. Paying
bills online at one place appeals to them because they acknowledge
that they "need help." - Maximizer -- Maximizers manage their money
strategically and actively seek rewards such as frequent flyer
points. They tend to be financially secure, and schedule bills to
be paid online in order to optimize cash flow and to qualify for
low interest rates. They particularly like the time savings and not
having to deal with the hassle of making a trip to buy stamps, or
writing checks to the same companies each month. - Desperate
Avoider -- Desperate Avoiders are stressed about their finances in
general and can be overwhelmed by their debts. They typically find
monthly bill payment to be a chore and financial management in
general to be very stressful. They have trouble keeping track of
finances, and may avoid opening bills and delay paying them
altogether. By paying and receiving bills online at a single Web
site, and using self-scheduled reminders, these Desperate Avoiders
could gain control of the bill payment process. - Paranoid Paper
Pusher -- Paranoid Paper Pushers are distrustful of Internet
security and believe they are safer receiving paper bills and
sending paper checks by mail. They are very careful and organized
about their finances and may have developed a comprehensive
paper-based financial management system that they've been using for
many years. Consumers who want to learn more about the benefits of
paying bills online and use a search tool to identify banks, credit
unions, brokerage firms, portals and billers in their state who
offer these services, can visit http://www.checkfree.com/ , a
consumer education site. To learn more about the characteristics of
the six categories of bill payers or speak with CheckFree about the
survey, please contact Mark McClennan or Chuck Kabat at
781-684-0770 or e-mail . About CheckFree (
http://www.checkfreecorp.com/ ) Founded in 1981, CheckFree
Corporation (NASDAQ:CKFR) provides financial electronic commerce
services and products to organizations around the world. CheckFree
Electronic Commerce solutions enable thousands of financial
services providers and billers to offer their customers the
convenience of receiving and paying their household bills online or
in person through retail outlets. CheckFree Investment Services
provides a broad range of investment management solutions and
outsourced services to thousands of financial services
organizations, which manage more than $1 trillion in assets.
CheckFree Software develops, markets and supports software
applications that are used by financial institutions to process
more than two-thirds of the 10 billion Automated Clearing House
transactions in the United States. The division also provides
reconciliation, financial messaging, compliance and electronic
billing and statement software to hundreds of organizations across
the globe. DATASOURCE: CheckFree Corporation CONTACT: Media, Judy
DeRango Wicks, +1-678-375-1595, or Investors, Tina Moore,
+1-678-375-1278, both of CheckFree Corporation Web site:
http://www.checkfreecorp.com/
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