1. online payment • Some impacts of lowering search costs may be negative. When application costs falls, firms may receive more low quality applications, which burden the screening process. • We discuss e-commerce and total factor productivity further in the companion article on macroeconomic impacts of e-business. • Much of the available research regarding e-business and the economy dates from the expansionary years of the dot-com bubble. Some link of Online payment for more information please visit : www.feepal.in/