"Billing is the heart of the new business model and the solution. People already buy subscriptions and pay for them through a variety of electronic payment systems such as credit cards. But electronic billing for a subscription to a physical product like a paper is not the billing model needed for digital news delivery. A subscription to an on-line paper must be capable of being shared among the people in a household, simultaneously and on multiple devices. Newspapers need a digital business model whose heart is a digital subscription billing model."