Nowadays Internet is more and more popular and having many influences with our life. We can use Internet in many fields to make our life become better. Thus, this research studies the application Internet to payment (Electronic Bill Presentment and Payment - EBPP) in order to help customers feel more comfortable and saving time. With EBPP, customers can check the bills online and fulfill the payment by Internet. Moreover, many papers talk about EBPP in United States, Canada, Europe, etc, but until now, no paper mentions deeply about EBPP in Vietnam – my country. It’s very good if Vietnam can apply EBPP model. It will open the new door for Vietnam to integrate into the world’s community. For this reason, this study attempt to analysis application EBPP model in Vietnam. Furthermore, this study also tries to feasibility study the ability to apply EBPP model of Vietnam. Finally, some suitable EBPP models were built to develop assessment and recommendations for Vietnam.

Nowadays Internet is more and more popular and having many influences with our life. We can use Internet in many fields to make our life become better. Thus, this research studies the application Internet to payment (Electronic Bill Presentment and Payment - EBPP) in order to help customers feel more comfortable and saving time. With EBPP, customers can check the bills online and fulfill the payment by Internet. Moreover, many papers talk about EBPP in United States, Canada, Europe, etc, but until now, no paper mentions deeply about EBPP in Vietnam – my country. It’s very good if Vietnam can apply EBPP model. It will open the new door for Vietnam to integrate into the world’s community. For this reason, this study attempt to analysis application EBPP model in Vietnam. Furthermore, this study also tries to feasibility study the ability to apply EBPP model of Vietnam. Finally, some suitable EBPP models were built to develop assessment and recommendations for Vietnam.

ABSTRACT I
Table of Contents II
List of Tables IV
List of Figures V
Chapter 1 1
Introduction 1
1.1 Background & Motivation 1
1.1.1 Background 1
1.1.2 Motivation 2
1.2 Purpose of this research 3
1.3 Process of this research 3
Chapter 2 5
Literature review 5
2.1 Definition of EBPP 5
2.2 Main roles in EBPP 6
2.3 Basic models in EBPP 7
2.3.1 Direct model 8
2.3.2 Consolidation/Aggregator Model 9
2.4 EBPP payment options 11
2.5 EBPP process 12
Chapter 3 14
Case studies for EBPP in foreign Postal Office 14
3.1 Canadian Post Office – epost 14
3.2 New Zealand Post – eBill 17
3.3 Singapore Post – vPOST 20
3.4 Summary and Comparison Case Studies in Foregin Post Office 24
Chapter 4 26
Domestic Implementation 26
4.1 The current status of Vietnam with E-payment 26
4.2 What can be done in the near future to develop EBPP in Vietnam 28
4.2.1 System analysis 28
4.2.1.1 Strengths 29
4.2.1.2. Weaknesses 29
4.2.1.3. Opportunities 30
4.2.1.4 Threats 31
4.2.2 Payment System Structure in Vietnam 33
4.2.2.1 Traditional bill presentment and payment in Vietnam 33
4.2.2.2 Why Vietnam should apply EBPP model? 34
4.2.2.3 What Vietnam need to consider when deciding to implement EBPP? 35
4.2.2.4 Who can become the EBPP’s customers when EBPP newly implement in Vietnam? 39
4.2.2.5 Benefit of EBPP solution 40
4.2.2.6 Barriers to EBPP 40
4.2.3 What Vietnam can learn from 3 cases studies 42
4.2.4 Strategies for Vietnam in short term and long term 45
Chapter 5 51
Conclusion & Recommend 51
5.1 Limitation 52
5.2 Recommendations for future research 53
References…………………………………………………………………………....54

Vietnamese’s websites:
•http://cuocsongso.vtv.vn/TrongTamNgam/2009/4/19/221320/
•http://dantri.com.vn/c76/s83-316326/vai-tro-cua-the-trong-thanh-toan-truc-tuyen.htm
•http://vietbao.vn/Vi-tinh-Vien-thong/Phat-trien-thuong-mai-dien-tu-o-Viet-Nam-Con-mang-tinh-tu-phat/30144807/226/
•http://vietbao.vn/Vi-tinh-Vien-thong/Thanh-toan-hoa-don-truc-tuyen-o-My-phat-trien/10808375/217/
•http://vneconomy.vn/73011P0C16/viet-nam-van-o-nhom-cham-phat-trien-thuong-mai-dien-tu.htm
•http://www.3c.com.vn/Story/vn/hotrokhachhang/thuongmaidientu/ekienthuccoban/2008/8/44865.html
•http://www.chungta.com/Desktop.aspx/CNTT-VT/Thuong-Mai-Dien-Tu/Thanh_toan_truc_tuyen_cua_Viet_Nam/
•http://www.hanoipc.evn.com.vn/EVNShow/tintuc1.asp?InforID=3898&CategoryID=880&Pos=880&rCount=2882
•http://www.hoangphu.com.vn/?tab=detail_news&id=MTAz
•http://www.hoangphu.com.vn/?tab=detail_news&id=MTc=
•http://www.hoangphu.com.vn/?tab=detail_news&id=MTQw
•http://www.hoangphu.com.vn/?tab=detail_news&id=OTk=
•http://www.mk.com.vn/home/?act=tintuc_chitiet&muc=22&tin=206
•http://www.mk.com.vn/home/?act=tintuc_chitiet&muc=22&tin=264
Other websites:
•http://findarticles.com/p/articles/mi_m0EIN/is_2000_Sept_21/ai_65333043
•http://proquest.umi.com/pqdweb?index=11&did=1375825631&SrchMode=1&sid=2&Fmt=6&VInst=PROD&VType=PQD&RQT=309&VName=PQD&TS=1230522173&clientId=39469
•http://proquest.umi.com/pqdweb?index=11&did=1375825631&SrchMode=1&sid=2&Fmt=6&VInst=PROD&VType=PQD&RQT=309&VName=PQD&TS=1230522173&clientId=39469
•http://proquest.umi.com/pqdweb?index=17&did=1227649591&SrchMode=1&sid=2&Fmt=3&VInst=PROD&VType=PQD&RQT=309&VName=PQD&TS=1230522173&clientId=39469
•http://www.clickz.com/952861
•http://www.computerproduct.com/updates/articles/paying_bills.htm
•http://www.e.govt.nz/archive/services/e-billing/e-billing-and-e-payments/chapter6.html
•http://www.ebilling.org/EBPP/how/processes/examples/default.htm
•http://www.electronic-bill-presentment-payment.com/ebpp-implementation.asp
•http://www.epost.ca/main/en/home.shtml?portal=
•http://www.epost.ca/main/en/more_about_epost.shtml#how
•http://www.epost.ca/main/en/more_about_epost.shtml#pay
•http://www.geekzone.co.nz/content.asp?contentid=6103
•http://www.itvendorsdirectory.ca/Online-Resources/selling-ebpp-001.html
•http://www.nzpost.co.nz/Cultures/en-NZ/Personal/miscellaneous/ebill?utm_source=ebill&utm_medium=AA&utm_campaign=AM
•http://www.paynet.com.vn/
•http://www.pexim.net/pdf/EBPP%20Solution%20E-Pay.pdf
•http://www.researchandmarkets.com/reports/1505/1505.htm
•http://www.singpost.com.sg/
•http://www.vnpost.vn/
•https://www.epost.ca/service/publicMailerList.a?language=english&portal=personal
•https://www.vpost.com.sg/helpdesk/billerList05.html
•https://www.vpost.com.sg/login.html
•https://www.vpost.com.sg/login.html#

Some articles:
• Are you Tracking Accounts Receivables? By Randy Southerland
• Canadian Enterprises: New ways to improve collections and Payments
• Clear IT – Compliance in Swiss payment traffic
• EBPP in Benelux and Germany - Company profile ULTRADOCS International B.V.
• EBPP in Western Europe and the US 2004
• Electronic Bill Presentment and Payment – A strategic Advantage – IBM global services
• Electronic bill presentment and payment – Is it just a click away? By Alexandria Andreeff, Lisa C. Binmoeller, Eve M. Boboch, Oscar Cerda, Sujit Chakravorti, Thomas Ciesielski, and Edward Green
• Electronic Bill Presentment and Payment (EBPP) - Business Practices - Council for Electronic Billing and Payment of the National Automated Clearing House Association (NACHA)
• Electronic Bill Presentment and Payment: An efficient opportunity for Utilities and Consumers by Paul A. Murphy
• Electronic Payments in the U.S. - Economy: An Overview by Stuart E.Weiner
• Issues Paper: Review of Bill Payments in Canada – Canada Payments Association Policy and Research Division
• No cash please – Canadian governments lead in e-billing by Geoff Martin
• One2One Communications offers its customers the latest and most dynamic option available for EBPP (Electronic Bill Presentment and Payment) – One2One Communications
• Paying Electronic Bills Electronically – Lawrence J.Radecki and John Wenninger
• Possible Disintermediation: What Role for Banks in Electronic Invoicing (EIPP)? By Alea M. Fairchild-Tilburg University, The Netherlands A.M.Fairchild@uvt.nl
• Should we wait? Network Externalities, Compatibility, and Electronic Billing Adoption – Yoris A.Au and Robert J.Kauffman
• United States Postal service board of governors – Einar V.Dyhrkopp, Chairman et al.
• Vietnam Ministry of Trade Report (2004 and 2006)
• What’s ahead for Electronic Billing and Payment? By Kathy Williams