The survey found that consumer preference for online and mobile bill payments continues to grow, with 39 percent of consumers in the United States saying they will pay more bills online in 2013, and 12 percent intending to pay more bills by mobile phone.

Mobile adoption for urgent, same-day payments is also on the rise: 14 percent of consumers report that they will make an urgent payment via their mobile device in the next six months. Furthermore, 25 percent of consumers report that they will send fewer checks in the mail to pay their bills.

"Consumers are increasingly looking for new ways to manage their bills, which points to the need for continued innovation by service providers across the payments industry," said David Shapiro, senior vice president, Payments, Western Union. "Less than one-third of payments occur via non-electronic channels, and consumers continue to use a mix of payment methods that provide enhanced choice, flexibility, control and convenience around their lifestyles and cash flow."

Bill Payment Landscape

The Money Mindset Index also reveals the mix of channels consumers are using to pay their bills, as they continue to seek choice and flexibility in their payment options:

46.5 percent of bills are paid via a biller, bank or credit union website;
20.2 percent of bills are paid via mail;
19.6 percent of bills are paid via an automatic deduction or recurring payment;
8.7 percent of bills are paid in-person at a walk-in location;
3 percent of bills are paid via a landline phone; and
2 percent of bills are paid via mobile phone.

Bill Payment Strategies

Consumer approach to bill payments will continue to evolve in 2013. According to the Money Mindset Index, consumers will revisit how they make and organize their bill payments, with 26 percent indicating they will set new priorities for which bills get paid first. Additionally, 15 percent of consumers said they will wait longer to pay their bills.

"Western Uni"Western Union understands that consumers are seeking new bill payment options, and we are providing solutions to market through a multi-product, multi-channel strategy," said Shapiro. "As an organization, we assist billers in delivering innovative payment alternatives to their customers, including mobile, SMS and mobile web, as well as walk-in, phone and online payment services, so billers can stay ahead of evolving consumer demand."

Survey Methodology

The Western Union Payments Money Mindset Index, conducted by Javelin Strategy & Research, has a margin of error of 1.76 percentage points and was conducted in December 2012 with 3,002 respondents. The random sample survey targeted online respondents based on representative proportions of geography, gender, age, income, and ethnicity as compared to the overall U.S. population. Consumer bill payment channel mix in the United States is based on Western Union market research, July 2012.