Cloudbill does provide what you're looking for. You have outlined the core problem with current billpay...the time it takes and the hassle you have to go through. Cloudbill can alert users via txt, email and within the app itself to help insure you don't forget a Nik.
It sounds like you're saying you can change credit card information which I'm unsure how but it sounds like you can update your address, passwords, and everything else it seems like. How are you guys able to do this as I believe backend systems like Yoodle doesn't allow this right?
Currently does the system support all kinds of banks and bill payments already?
