20 mln more Americans will pay their bills online over the next 5 years, according to Forrester Research. By 2010, approximately 47 mln US households will pay bills online, a 75% increase from the end of 2004. By the end of the decade, 52% of online households will pay bills online. Annual EBPP growth rates are slowing dramatically and will continue to do so over the next 5 years. The 26% YTY growth rate in 2004 will decline to just 7% in 2010.