Electronic bill payment a reduction in processing costs minimizing paperwork and an increase in customer loyalty. In a 2003 study, the banks said that "customers who pay online show more loyalty and are more receptive to other offers". Electronic bill payment Electronic bill payment is a feature of online, mobile and telephone banking, similar in its effect to a giro, allowing a customer of a financial institution to transfer money from their transaction or credit card account to a creditor or vendor such as a public utility, department store or an individual to be credited against a specific account. These payments are typically
German Commission for UNESCO the GDR also became a Member State, actually for the first time in a UN Organization. Since German unification on October 3, 1990, Germany is used as official name; the German Commission for UNESCO integrated the functions of the dissolved GDR National Commission. After the United States of America and Japan, Germany makes the third largest financial contribution to UNESCO. Like most other Member States, Germany has a Permanent Delegation to UNESCO in Paris. It ensures constant working contact with UNESCO and is in charge of Germany's political relations with UNESCO. Germany is participating very actively in UNESCO's programmes. There