The potential beneficial effect of {HEAD ~ electronic bill payment} for cost reduction and revenue production to {TAIL ~ all participants}, billers, consumers, banks, and service providers, represents a tremendous opportunity for the financial industry 
The potential beneficial effect of { HEAD ~ electronic bill payment } for cost reduction and revenue production to { TAIL ~ all participants } , billers , consumers , banks , and service providers , represents a tremendous opportunity for the financial industry
OTH OTH OTH OTH OTH HEAD HEAD HEAD HEAD HEAD HEAD HEAD OTH OTH OTH OTH OTH OTH REL TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH