With the development of the Internet, electronic payment 【小题1】( become) more popular to pay bills so far. 【小题2】(actual),the probability of paying bills electronically is decreasing with age and increasing with education, and 【小题3】seems that women tend to use electronic payment at a 【小题4】( high) rate than men. In addition, some consumers may respond negatively to fees when they 【小题5】( charge ) by banks for electronic deals, 【小题6】may keep some consumers away from electronic payment and let them turn to signature payment. Moreover, consumers, use of electronic payment will vary with financial conditions and expectations of the future. For example, if they have negative expectations of their future financial conditions, consumers are more likely 【小题7】( pay)electronically.

On 【小题8】whole, businesses which offer electronic payment 【小题9】( serve) can not only improve customer service, but also cut costs, reduce late payments and provide a greener business solution 【小题10】consumers, improving the company’s competitive advantage.