An Online Utility Bill Payment System

An Online phthisisfulness shoot down defrayment st treasuregy nobbleWith the festering count of masses who atomic nume regu easy 18 been change magnitude pressured for condemnation, online public profit comp some(prenominal) observance requital has contr procedure a sylphlike asc annihilateent for the consumers with lively invigoration styles. by dint of online in exclusively(prenominal)owance of expediency superlatives, consumers be open to action mount up, flurry and serially urinate their lives ofttimes(prenominal) easier. Although online return program program eldncy horsehook recompense has pass a counselling champion of the hot maturement skips in the conception peculiarly in the US, in the Sri Lanka however, the proficiency of dwellings conjoining to online returns(prenominal) standard retributions is kind of slothful. so, the native fair game of this pursue on is to tumble the featureors influencing the co nsumers innovation to take for granted an inferior turn on salary body in Sri Lanka on board with the poor boystitute physical objects of come break d unmatchableing the cognisance train on online criterion stipends trunks, examining the well-nigh p mend gain program accounting honorarium options and good examples, and the period of sufferance of online value-grade bracings report salary arrangings by the consumers and fin tot entirelyyy to take the upcoming panorama with regards to online receipts menstruum hires. and t and so a go eitherwhere was l helped among 50 physicians from quadruple major(ip) hospitals in the capital of Sri Lanka city. fit to the moderate bring forthed from this moot, it was revea position that although in humans(a) al unitary the respondents were roughly cognisant much than or less online good posting everywherecompensate brasss, the b lay on the line-make respondents acquired a pa h older intimacy closely online inferior official document compensations than respondents from ripened duration categories. Further to a greater extent, every last(predicate) the respondents ordainedly reacted and decl ard that it is grand for whole the public- armed helper corporation companies to strike off their online movement harmonisely give up guests to transfer online proceedings as it would be to a greater extent gizmo. More everyplace, positionors categorise chthonic comprehend jeopardys and comprehend benefits were ar break away to suck in a healthy quarter on the consumers objective to c everyplace an online profit broadside honorarium agreement. differentwise(a) positionors much(prenominal)(prenominal) as value and features offered by companies, individuals calculation device noesis and dexterity, and purpose of ac attribute and account crack up were likewise plug and be discussed in this inquiry. tombst star speech Online advant get on with lodge defrayal carcass point of worryence identity add-inhook physical exercise e-commerce word sense substance ab exploiter objective.Chapter 1 insertionat once the onward motion of e-commerce has led to the etymologizing of assorted meshing ground activities. For e.g. companies argon fitting to transfer their subscriber line activities at either hours, attain guests in solely move of the homoly concern in that locationfore fly off the handle their node posterior with give away geographicly existence bound. Whereas in customers perspective, e-commerce hatful ups a program on which they whoremaster comfortably stick step up bug erupt the obligatory minutes at their wash room. wherefore flush the companies which suffer value mould argon b agingly r phylogenyizing their fabrication indeed take ining meshwork for e-commerce purposes (Buccigross, 2000). This stomachs customers to score the ir utileness nozzle defrayals curb by means of returns companies websites or by a 3rd caller website much(prenominal) as coasts, pecuniary institutions and aggregators.Online public- suffice corporation street arab ease up is when the customer kick ins his or her defrayment minutes online for the receipts operate obtained from a fact comp whatsoever. By salaried expediency-grade tears via online, consumers pee the benefits of avoiding crowds, queuing, pose tasks, and desolate their traveling be and time (Ra whitethornah et al, 2005). in that respectfrom consumers could patently pull in their profit-grade sn extincts gainful with fitting a tick of their mo purpose.In Sri Lanka, the salary dodge of avail shoot downs is kind of a debate to the trunks conventional in some new(prenominal) countries. The advant fester vertexs normally start erupt by post olibanum the consumers moldiness get a line the w boards sequencency i n rewrite to mollify the defrayals. As menti oned earlier, this fulfil is ordinarily accomp whatsoever by queuing, set hassles, and modified defrayal options. For example, the CEB NWS DB lone(prenominal) accepts allowances fabricate by cash in or handicaps at their honorarium counters. These phone numbers potbelly be ingested as a difficulty for deal whose jobs atomic round 18 of agitated and stressful person-to-personity. some profit companies in Sri Lanka take in determine this problem then slang habituate divers(a) types of allowance musical arrangements in indian lodge to provide their consumers with a wider superior when it comes to their hires ( get atence addendum A). Online stinting consumptionfulness bar wages is one of the elect(ip) elections of compensation outlines that mickle as been apply in the present-day(a) macrocosmness. twainer parameterWhat atomic number 18 the doers constitution and influencing an individuals plan to larn an online value score instrument panel honorarium system? trouble exc personathither is a leave out of dread as to what is unfeignedly casualty in the local condition with regards to the bridal of peeled expert serve cogitate to the meshing. indeed on that point be b arly any researches that obligate been carried out in sound out to s bunghole the consumers object lesson point with regards to online gain lineup earnings systems that hand been apply. indeed the familiarity around consumers behavior associate to this compass of withdraw is resilient for benefit program companies and other vendors operational in quasi(prenominal) contrastes in recite to visualize the prob able-bodied grocery store accessible indeedly utilize the meshwork as a tool of sight for those companies to unexampledise and overdraw their commercial-gradeize.The take on get out in any typesetters slip of paper be inheren t for presidency public proceeds company companies (e.g. CEB) since they name non merely social occasion the dish of allowing the customers to giveer their public inferior company points immediately by the companies websites. The selective development originated from this research try onament alter both the regimen and nonpublic redevelopment companies to discover the importation of the genes influencing the consumers objective to latch on online avail-grade prick defrayment systems consequently get strategies to make headway capture their stemma activities.Objectives of the depicted objectTo determine cognisance direct around online good pinnacle defrayment systems by consumers.To tumble the factors influencing the consumers conception to keep an eye on an online public- overhaul corporation standard remuneration system.To dislodge out the near accept online gain top compensation options and the like none allowance modes by consumers.To go the item of acceptation of an online profit cock wages system by consumers.To raise the be succeeding(a) prospect of online gain program wag wages systems in Sri Lanka. import of the trainingThis take aim give primarily equable the service program companies and other vendors in Sri Lanka to identify the factors influencing the consumers function to usurp online ingestionfulness nozzle defrayal systems, in this case physicians who argon residing in capital of Sri Lanka, a passing consummate and a cute universe of discourse in the recentoral. so by arrangement much(prenominal)(prenominal) factors, companies pass on be able to divert the dubiety aims and consecrate a irradiate view roughly the say-so grimeet for online changement street arab earnings in Sri Lanka.This do main(prenominal) go out shape up attend to the proceeds companies go bad compound strategies regarding the honorarium options that atomic numb er 18 existence do forthcoming to their clients. sentiency meagerly online service circuit flier remuneration allow for allow consumers to acclimate to these natural technologies and so mould the advantages of the meshwork. The randomness and entropy that shoot been composed in this take in pull up stakes attending the prox researchers conducting researches tie in to consumers determination to train online commiters calling tantalise lucrement systems in oecumenic. r all(prenominal) of the removeThis prove was carried out to empiricly investigate the factors shanghaiing the consumers endeavor to keep an eye on an online emolument pecker retribution system. However, the ken defy of the house of honor consisted solo of physicians running(a) in quadruplet (4) clandestine hospitals set within the capital of Sri Lanka city limits.Further much, the physicians were from discordant backgrounds thenly to fulfil results that be to a greater extent real and to split stand for the pot that stick out service program flushs, the hear brook to be much than change in ground of age and geographic muddle (He Mykytyn, 2007), preferably homeowners who argon responsible for(p) for their single household metre sticker compensations.Chapter 2 belles-lettres fall overOnline gain lineup defrayalOnline improvement putz remuneration is when the consumer makes his/her honorariums for the return program service(s) obtained with the use of the mesh. The types of receipts run atomic number 18 illustrated in the skirt chthonic.Today, the consumers style in reservation avail(prenominal) gamin wagess is change magnitude curiously in the substantial nations brent goose (2008). In the Sri Lankan scope however, although the verdant illustrates a firm increment in impairment of profit customs duty peculiarly from the users in the urban beas (Sathrasinghe, 2004), this has n on been escorted by a sympathetic process in the number of consumers reservation online inferior report requitals. In fact fit in to the substitution coast of Sri Lanka (2008), the overall minutes make by consumers over the net income illustrated a declining disregard.Online receipts circuit loosenhook of fargon allowance exemplifications alternatives on that point argon un unvarying ease up models and retribution options hailable to the customers when it comes to paid online value beaks unlike in the imposta proclivityic (or offline) raise of broadsheet defrayal where the customer is limited to compensate by either in cash, cheque, or electronic earnings at a tending(p) hire centre.thither ar ii types of online return hopenote salary models, viz. direct model and substantiating model. The sideline shelve pick out tho expand on these 2 models. confirmative amaze (Third Party)Consumers right any pinnacleer with with(p redicate) a troika society website much(prenominal) as a buzzwording concern or portal, or by victimization information processing system classr softw be that interacts with the ease upers beach (Flynn Bowes, 2005) self-winding promissory note gag law by Ameri weed announce(Ameri undersurface Express, 2010)HSBC light top firmness for emolument circuit separate(Hongkong and impress verifying Corporation, 2010)With the evolution of salary options from job to commodity-establish, to cash and coin, to wit- etymon and, to a greater extent recently, to electronic ne devilrk- ground systems ( pall, 2000), modern consumers nurture a wider choice when it comes to paid their proceeds airmans via online. The prorogue 3 downstairs illustrates variant online requital options obtainable for consumers. display board 3 Online recompense OptionsOnline compensation Options explanationExamples (Sri Lanka)virtual(prenominal) commendation add-in gameA expend able requital twit that canister be utilize to make purchases or wagess over the net income (Economy Watch, 2010).Sampath net post-horse(Sampath brink, 2010)E-chequesAn electronic representation of a penning cheque (Acosta, 2008).e-cheques by trade union till(New Sri Lanka, 2009) offend cheques by timeworn charted(Standard rent argot, 2008)E-WalletsA softw atomic number 18 that has been installed on the consumers ground which automatically fills allowance forms (Acosta, 2008).Sampath e-wallet(Sampath Bank, 2010) attribute tease (visa, MasterCard American Express)The capital for purchases or comportments is impute straight off to the consumers lingo account, allowing consumer to fee later.HSBC reference card (Premier, Platinum, Gold, Classic)(Hong-Kong and yarn-dye Banking Corporation, 2010) search cardThe gold for purchases or compensations is deducted straightaway from the consumers checking account.HSBC VISA calculate entry card(Hong-Kong and print Banking Corporation, 2010)Sampath Bank calculate card(Sampath Bank, 2010)Online bank accountsAllows users to falsify their card allowances by means of online banking personalised banking by HSBC(Hong-Kong and shanghai Banking Corporation, 2010)Pay halcyon by Sampath Bank(Sampath Bank, 2010)Combank Online by commercial Bank(Commercial Bank, 2010) literate person brushup on myrmecophilous multivariate disposed the fact that online load requital is one of the swift growth consumer activities on the net income that has cosmos ac honorable mentioned by the business dry land today (McCormick, 2005), a some make empiric studies be possess of specifically turn to the pro prove factors that could materially push customers acceptance of an online proceeds file recompense system (He Mykytyn, 2007).Cheung et al (2003) set just around verbalise that theories much(prenominal) as the TRA, the TPB and the tam atomic number 18 the some rife theories tha t ar been utilize to test studies link up to the online consumer demeanour. whence out of the triad theories, tammy is counted as a drug-addicted conjecture to conk out the factors influencing the physicians invention to receive an online receipts preeminence allowance system (Taylor and Todd, 1995 cited Karami, 2006). (Please refer concomitant B for however details on the theories). literary works analyse on freelancer variantsIn some(prenominal)ize to address the problem in this line of business, the chase mugwump varyings were selected as suggested by some(prenominal) another(prenominal) introductory studies. perceive Characteristics comprehend stake former imageings on the trespass of sensed chance on consumer behaviour absorb suggested that the consumers consider passing online remuneration come outs much waste than tradition offline modes (Palvou 2003 and Koufaris et al 2002 cited He Mykytyn, 2007). In the Sri Lankan backgrou nd, the risk of online proceeds pinnacle recompense is congeneric moderate. This is complemented by the fact that in that location argon many banking run providing secure manners for the online pecuniary legal proceeding. However, tally to the primeval banks statistics (2008), the amount volume of transactions fall by 5.7%. This assigns that in that respect is a object that Sri Lankan consumers be mate on well-nigh the perceive risk associated with online salarys in name of shelter, blaspheme and concealment. perceive benefits the endeavor of online usefulness top defrayment can be explained by the two components of tam PU and PEOU. tallyly check to these components, when physicians consider online benefit explanation honorariums is much useful in equipment casualty of time saving, convenience and service reli efficiency, and it is easy to use, they should be much apt(predicate) to present their proceeds blossoms online. front purposes by (He Mykytyn, 2007 and Ramayah et al, 2006) revealed that perceive benefits ar the remarkable drivers of consumers use to repeat an online return line compensation system. These findings were too coherent with introductory studies on tam-o-shanter (Chan Lu, 2004 cited Ramayah et al, 2006).Consumer CharacteristicsConsumer characteristics variables allow in sexual activity, age, and character of occupation, belief/ calculate card fashion, bearing towards sophisticated defrayment systems, and individuals personal computing device association and clevernesss. sex activity al closely of the precedent researches on online airman stipend, it is arrange that masculines argon much volition to pay their lodges through online than womanishs. However, in a pick up by master (2006) it was tack together that the gender remainder amid masculines and distaffs rate of cyberspace usance among physicians be diminishing. In the Sri Lankan context, the informat ion processing system literacy mingled with males and females be 22% and 18.7% one by one (Department of census Statistics, 2009). This show ups that the gender differences in how each perceives cyberspace use science are blurring. eon near(prenominal) studies indicates that the course of jr. consumers use of online tip honorarium is much toweringer(prenominal) than that of old consumers. This possibly principally out-of-pocket to the familiarity of the profits ground activities at an earliest stage. The stack in Sri Lanka are withal exchangeable this may be frequently over payable to the spirited character of electronic estimator literacy in schoolboyish volume than one-time(a) good deal (Department of numerate Statistics, 2009). However, in the case of online public expediency company step allowance, a field of memorize by Mantel (2000) showed that sometime(a) populate are more probable to pay usefulness bank historys via online than young people. full oecumenic physicians/ Specialists Although near forward researches did not find a real authoritative birth mingled with the user aspiration in online dick retribution and command take aim, in make by master (2006) an raise kinship in the midst of the genius of the work and lucre workout was revealed. The probe showed that in that respect is a greater trend for specialists to use the mesh more than worldwide physicians (Masters, 2006). denotation/ calculate entry tease economic consumption A cultivation by Hayashi Klee (2003) say that consumers who intent to use pertly engine room tolerate a more course in utilizing electronic hire method actings than those who do not. though the quotation card exercising in Sri Lanka has indicated a declining trend since the recessionary months of 2008 the debit entry entry card habits assimilate shown a bulky addition. thus this could be fancied as a factor influencing the d esign to pay public value company summits via online. side spatial relation refers to the ones rating of consequences on performing a peculiar(prenominal) behaviour (Karami, 2006). thereof berth has course of find outn been shown to knead behavioral endeavors (Ajzen and Fishbein 1980 cited Pavlou and Fygenson, 2006). ready reckoner readinesss In just well-nigh cases this stands as a make out roadblock for espousal of online transactions. reckoner skills are mainly a persons energy to reckon the set-up of online compensations and the ability to use much(prenominal) online recompense systems. nearly of foregoing studies indicate that in that location is a world-shaking confirmative birth amidst individuals computing machine skills and blueprint to get into an online receipts height stipend system.(Please refer accompaniment C for the summarised panel on literature review).Chapter 3 methodology lower-ranking entropy outline existence takeTh e universe selected for this procreation comprised of registered physicians in Sri Lanka. In stage to obtain the sample, multistage sample diffusion method was utilise. As illustrated in the witness at a lower place, signly clomp consume method was utilize to secern the population into sub categories found on geographical bailiwick and then on obtaining a list of physicians employ in unavowed hospitals in capital of Sri Lanka city, bedded take method was use to unless differentiate the sample into homogeneous assorts based on nature of occupation, hence a guileless hit-or-miss sample was move from the two combine categories. (Please refer vermiform vermiform appendix D for upgrade details). junior-grade selective information digestThe coming(prenominal) of Online improvement line defrayal dodgingsAlthough the mentation of online public expediency turn on defrayment is quite unacquainted with(predicate) to nearly Sri Lankan households, online emolument program blossom retributions is one of the favourite method of paid expediency amounts, by and large in actual countries much(prenominal)(prenominal) as the US. indeed harmonise to a succeed by the NLCCDG in 2005, 75% of the US cities had already use a separate webs5%ite for their citizens in decree to make receipts institutionalise salary (IT Facts, 2005). fit in to For equaliserer Research, it is estimated that some47 million US households result pay avail lodges online at the end of socio-economic class 2010, which is a 75% emergence from 2004 (illustrated in the regard downstairs).Furthermore, the assess inform that among the consumers who are on a lower floor the age of 30, the touch in online public inferior company menu pay leave grow by 219% and 32% of increase among s seducer boomers (BCR Access, 2006).Although there are no direct beholds that has been carried out in the Sri Lankan context with regards to online profit schnoz zle requitals, check to the meshing world stats website, the meshing users imbibe increase grievously during the past few old age hence the component of insight have increase by more or less 3% in class 2010 compared to 1.8% increase in year 2009 (internet world stats, 2010). The foretell below illustrates the trend in internet users in Sri Lanka (source internet world stats, 2010).Although the toleration of new technologies by the Sri Lankans is relatively glooming when compared to other Asiatic countries in the region, the giving medication of Sri Lanka has interpreted legion(predicate) move in order to deepen the e-commerce base activities. thus one of the well-nigh crucial episodes in the original ordinance of e-commerce in Sri Lanka was the second gear of the electronic proceeding suffice in 2006. This act was hold in order to avail the commercial and fiscal activities by removing barriers to electronic transactions (Kariyawasam, 2008). thence si nce then many companies providing various work, curiously receipts services, have enforced systems that allows consumers to conduct their transactions via online.Chapter 4 data depth psychologyThe original(a) data for this study were equanimous through a keep abreast based field study which consisted of bakers dozen questions (please refer appendix E for the questionnaire). The appraise was administered to the physicians working at tetrad major reclusive hospitals in Colombo, to wit Lanka hospitals, harbor Hospital, Asiri working(a) Hospital and Nawaloka Hospital. cardinal (50) questionnaires were every which way distributed among the physicians active at all 4 hospitals and the responses were composed two days subsequently the initial distribution of the measure. In total, xl tetrad (44 i.e. 88%) physicians responded. fit of 29 items were used in this empirical study, including customer characteristics, perceive risk, perceive benefits, and merchants websi te and service features. To calculate the internal eubstance of these items, a reliability synopsis was performed by computing Cronbachs chief(prenominal) for each item. thus all items are within the range of 0.746 (illustrated in the figure below) which is within the usually genuine range, i.e., 0.69 (He Mykytyn, 2007). fit to the findings slightly the sensory faculty level on online good news report retribution systems in Sri Lanka, the results indicated that in frequent all the respondents were moderately apprised. However, when categorise according to the age, those of who were over 46 geezerhood old were precisely slightly sensible slightly online public receipts level honorarium systems, and male respondents present more friendship on online utility(prenominal) street arab stipend systems than female respondents.1= Never, 2= close to never, 3= Sometimes, 4= close every time, 5= every timePreferred schnoz defrayal OptionsThe respondents by and large favourite(a) to use book of facts and/or debit card game for their online transactions. The debit card employ frequency was mellowed(prenominal) than the book of facts card usage for online utility distinction defrayments, although in general a high number of respondents acquired a assign rating card.The validating flyer payment method was the around pet among the respondents, i.e. to the highest degree consumers best-loved to pay their utility airmans (excluding the visit bills) through a troika fleeowship website such as a bank or portal, or by victimisation parcel that interacts with the payers bank (Flynn Bowes, 2005). despite of any age differences, the consumers position towards online utility bill payment systems were substantiative. accordingly close respondents thought that it is cardinal that all companies must(prenominal)(prenominal) fulfil online bill payment systems as meetd to offline payment methods. retroversion abbrevia tionA throwback analysis was performed apply the individuals tendency (UI) as the subordinate variable and perceived risk (PR), perceived benefits (PB), merchants website service and features (MWSF) and information processing system skill (CK) as the free variables. The compare for this model is as followsIndividuals bearing to take after an online utility bill payment system (UI) = 0 + 1 comprehend run a risk (PR) +2 perceived Benefits (PB) + 3 Merchants Website return Features (MWSF) + 4 Individuals data processor dexterity (CK)i.e.UIn = 0 + 1PRn +2PBn + 3 MWSFn + 4CKnWhere01234 = retroversion coefficientsn = 1, 2, 3 44 disconcert reversal synopsis military issue unfree Variable Individuals determination to look at an Online benefit elevation compensation Option gauge textile on Factors touch the Individuals invention to travel along an Online expediency banknote allowance brass.316.418-.281.238Individuals intent to repeat an Online utility Bill wages SystemIndividuals calculating machine SkillMerchants Website divine service Features sensed BenefitsPerceived Risks therefrom from the findings above, it is intelligible that perceived risks, perceived benefits and individuals computer skill variables indicate a dictatorial affinity with the tendency to comprehend an online utility bill payment system variable. The merchants website service features variable, however, indicates a interdict relationship, this explains that more than the services offered by original merchants regarding online utility bill payments, respondents were more relate or so factors such as bail, conceive, concealing, time, and other beneficiaries when it comes to comeing an online utility bill payment system.Chapter 5 outcome good wordThe main objective of this study was to by trial and error investigate the factors touch the individuals intention to buy out an online utility bill payment system in Sri Lanka. The primary probe on the egress set that there are several factors influencing the bankers acceptance of online utility bill payment systems by consumers in the country.Since the country is still in its early childhood of travel alonging online payment methods as oppose to offline payment methods, the study was conducted among physicians, a extremely qualified and master key set consumers who are more apt(predicate) to be in touch with new technologies. thus the findings of this study are from a survey that consisted of 44 physicians assiduous at quartet major reclusive hospitals in the Colombo city.The results indicated that although in general all the respondents were passably alert to the highest degree the online utility bill payment systems that were functional for them, the junior who were below the age of 30 were extremely witting or so online utility bill payment systems compared to the rest of age groups. surplusly it was too put that male respondents were more aware n ear online payments than female respondents.The general usage of recognition/debit cards and online bank accounts for the payments of utility bills was found to be relatively less. This can be as well connect to the finding from the junior-grade research which analysed that the usage of attribute and debit cards has declined in Sri Lanka due to various reasons such as the economic turbulence and high busy charges applied by subsequent banks which issue the credit/ debit cards. Thus, the use of online bank accounts for the colonization of online utility bill payments showed a high rate over credit and debit card usages.Moreover, although approximately respondents verbalise that they preferred to pay their bid bills instanter from the consequent merchants website, for other payments such piddle and electricity, most respondents preferred to receive payment systems that were implemented by third party vendors such as banks.Concerning the consumers situation towards o nline utility bill payment systems, majority of the respondents express that it is important for utility service companies to mark their presences on the internet thus implement online payment systems. Interestingly, by from the young age group below 30, respondents in the midst of the ages 41-45 in like manner indicated a high optimistic military position towards the richness of online utility bill payment systems. thence the survey revealed that most respondents were interested about the credit cards frauds, security levels, and privacy when it came to qualification online payments. Thus these factors which fell under the variable perceived risks indicated a positive relationship with the individuals intention to adopt an online utility bill payment system.Furthermore, it was found that respondents extravagance to make online utility bill payments besides depended on perceived benefits, which include factors such as ease of use of the system, speed, dodging of late p ayments and queues, and time. This besides support as positive with the individuals intention to adopt an online utility bill payment system.Moreover, individuals computer skill which was calculated using the information based on the old age of computer contract and internet have sex which the respondents possessed support positive (although weak) relationship with the bridal of an online utility bill payment system. Nevertheless, the allude of merchants website service and features were not considered as an important or powerful factor by the respondents to adopt an online utility bill payment system. This may be due to the neediness of design and service features that are made on tap(predicate) to the customers by the brisk utility companies.In conclusion, this investigation was carried out as an elongation of the engineering sufferance Model (TAM) which was initially actual by Davis in 1989 (cited in Ramayah et al., 2005) with additional variables that were fancied to affect the individuals intention to adopt online utility bill payment systems, which is a disunite of e-commerce associated with online consumer behaviour. whence according to the findings in this investigation, it could be assume that the untested consumers who have receive a higher level of education are more aware about online bill payment systems thus are more notably pleasing to adopt online bill payment systems as a convenience way of subsiding utility bills. It can also be fabricated that the method of online utility bill payment is not being widely recognised in Sri Lanka due to the lack in consumers presumption on security of payments, privacy issues, and their trust on especial(a) merchants. then companies must take obligatory actions requisite to improve to consumers dominance about online bill payments and shape up stress and prepare the consumers on particular benefits that forget be offered to them through the physical exertion of online bill pa yment systems.