bill - 4:10 am on Jul 31, 2009 (gmt 0)
I think you'll see kiosks at the bank, more powerful ATMs or even people using computers at the local library.
The trend in Japan has been to place these ATM type machines at convenience stores. (If you've been to Japan you'll know that you're hardly ever a stone's throw away from a convenience store.) These machines will even accept cash for bill payment. You don't need to have a bank account for many of the transactions they can handle. They're quite impressive. You can pay most of your bills with these things in addition to buying all sorts of tickets (flights, hotel reservations, trains, concerts, you name it...).