In 2009 e-billing represented a relatively small revenue stream for Fiserv. A majority of the company’s e-commerce division revenues came instead from electronic bill payment. Electronic bill payment was conceived by a former decathlete named Pete Kight while he was managing health club in Texas in the late 1970s. At the time, convenient monthly payment method were not available , so health cub consumers were often pressed to pay for an entire year in advance-and each year after. This cause frustration for consumers as well as for the health club salespeople who had to perpetually convince them the renew their memberships.