Regardless of market conditions, the economy or landing practices, individuals and businesses will open checking and savings accounts and use electronic deposits or checks to pay bills , bills and other expenses. Small businesses also need to manage their own transactions, payroll data and take advantage of healthcare benefits. With the trend towards adopting environmentally friendly practices, electronic payments and online transactions are becoming increasingly popular. Additionally, Fiserv has expanded into the healthcare market by acquiring Texas' Benefit Planners which offers its core data services in health benefits and health services management. This expansion opens up entirely new business terrain for Fiserv, as healthcare data management provides a market never explored before and as such offers enormous amounts of business