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Technology Stocks : CheckFree Holdings Corp. (CKFR), the next Dell, Intel?
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To: jjs_ynot who wrote (8619)7/31/1999 8:55:00 PM
From: Erik T  Read Replies (1) of 20297
 
IMO the mixed delivery channel/mode is a problem, esp. if the banks keep a close hold on proprietary information on customer relationship. Without this information, it is very difficult to sort out transactions.

I agree this is a potentially big problem. I see this happening with The Exchange (what is the new name? eConnect?). Likely, they will eventually want to make the payments to billers they present for. This peeling off of some payments is a set-up for a nightmare. When you call your billpay customer service, now you talk to a Checkfree employee who can handle all your questions. In the future a single customer may have to talk to multiple agencies to get problems with a bill cleared-up. Can you imagine if you had problems with several billers on a single billing cycle? Call your bank and get routed to Checkfree first, then to the bank itself, then to Transpoint. And thats if the bank can sort out who paid what. It is going to be difficult to deliver "dial tone quality" under this scenario. Perhaps going forward, those banks that stay with a single processor (Checkfree if they are smart ;-)) will reap the rewards of a functional system. Either way, history has taught us that Checkfree will often get the bad press from any problems.

Erik (IMO)
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