Should We Wait? Network Externalities, Compatibility, and Electronic Billing Adoption

Minnesota, he worked in industry and consulting for eleven years at several major companies, including Digital Equipment Corporation as a software specialist, a coal-mining company in Indonesia as a superintendent of computer and network operations, Andersen Consulting as a senior consultant and manager, and an Internet startup as a general manager. His current research interests are in the areas of information technology adoption and e-commerce applications in the financial services industry. ROBERT J. KAUFFMAN is Professor and Chair of Information and Decision Sciences at the Carlson School of Management of the University of Minnesota. He previously held faculty appointments at the