Fiserv offers technology and services to more than 13,000 financial institutions in 80 countries. In the U.S., it offers a person-to-person (P2P) money transfer business and a consumer-to-business (C2B) online bill payment service. Currently, more than 2,400 financial institutions use Fiserv’s P2P service, called Popmoney, and nearly 4,000 use its C2B service called CheckFree RXP. Research showed that Fiserv’s clients’ online bill payors were not aware of person-to-person money transfer options available to them, even when their financial institutions had used advertising and marketin...