The Spectrum Model

Banks/

Other

CSPs

Biller

Provider

(BSP)

Consumer Data

BillerData

BillerDirectory

Billers

Spectrum

Current Status:

• Spectrum founders Wells Fargo & First Union – using Spectrum for real-time bill payment / presentment today

• Spectrum anticipates 6 to 8 member banks online within the next 90 days

• InteliData and ALLTEL jointly built the Spectrum payment platform

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