Electronic billing and payment systems are about to change the way many households pay their monthly bills. These systems are likely to increase consumer convenience and reduce billers' costs. Several factors, however, could slow down the widespread use of electronic billing and payments,...

The largest U.S. commercial banks are restructuring their retail operations to reduce the cost disadvantage resulting from a stagnant deposit base and stiffer competition. As part of this effort, some banks are opening "supermarket," or "in-store," branches: a new type of banking office within a...

The largest U.S. commercial banks are restructuring their retail operations to reduce the cost disadvantage resulting from a stagnant deposit base and stiffer competition. As part of this effort, some banks are opening 'supermarket,' or 'in-store,' branches: a new type of banking office within a...