 It went hand in hand with the development of internet banking, introduction of accounting software and widespread use of email.In the United States, the Council for Electronic Billing and Payment of the National Automated Clearing House Association (NACHA) is credited with broadly promoting and communicating various forms of electronic billing in the early 2000s.NACHA promoted activities and initiatives that facilitated the adoption of electronic payments in the areas of Internet commerce, electronic bill payment and presentment, financial electronic data interchange (EDI), international payments, electronic checks, electronic benefits transfer (EBT) and student lending.