More consumers are using electronic disbursement services through the telephone and Internet to make last minute payments on credit cards, mortgages and other bills, according to a survey completed in April.

The fees attached to such expedited payments are an increasing source of revenue for servicers, and one day they could be securitized, said market sources. In April, San Carlos, Calif.-based Crone Consulting and Javelin Strategy & Research, Pleasanton, Calif., surveyed 2,038 people about how they prefer to pay their various bills, including utility, cell phone, Internet service and other monthly bills. The companies conducted the survey on behalf of of San Diego-based FortKnox, a company that facilitates payments.

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