Google's planned integration of bill pay and presentment with its immensely popular Gmail service could quickly scoop away one of the stickiest offerings of online banking sites.

The product,reportedlycalled "Pony Express," would allow Gmail users to examine and pay emailed bills without navigating to another site. Banks and billers typically rely on emailed notifications to prompt customers to log into their own sites, where they can sell upgrades and provide customer service.

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