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To: Rob C. who wrote (7609)	9/16/1998 7:45:00 PM
From: TLindt	Read Replies (2) of 8545

Ed Horowitz, corporate executive vice president at Citibank, said the bank believes TransPoint had created the best model for bill ''aggregation,'' under which a consumer will be able to go to a single Web site, such as a bank site, to view and pay multiple bills. I just had to bring this back out of the Citi Release....compare that will the Edify Release on their new EBS Software... Interchanging aggregation and distribution in the same sentance? Let me explain...Bills are aggregated on the MSFDC..TP servers, and then distribute to Banks. CheckFree aggregates from the Billers site and then summary information is distributed to the Bank Site. If the consumer wants detail they go back to the billers site for that. OR I even think they can do it the TP way IF the biller wants...not sure on this but think so. TP can lay claim to fame on an aggregation of bills away from a billers site, but not on a distribution model, that Belongs to RodneyFree DangerCheck.

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