CheckFree Holdings Corp. (CKFR), the next Dell, Intel? Message Board

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Technology Stocks : CheckFree Holdings Corp. (CKFR), the next Dell, Intel?

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To: HRM who wrote (1349)	1/16/1999 2:45:00 PM
From: james m. schultz	Read Replies (2) of 20297

Harry, thank you for your input. It is members like you who provide opportunity of greater dialogue on this company, unlike others that post and add value only unto themselves. I will substantially add to my current position shortly. I have read the 10K and have these questions from the 10K. Paper billing: "It is estimated that over 15 billion paper bills are produced each year, and that the cost of submitting a printed bill, including printing, postage, and advertisements, ranges between $0.65 and $1.25." Is that worldwide? Business payments: "It is estimated that businesses issue more than 28 billion checks annually." Does that include the latter 15 billion paper bills? Is the cost related to business payments in the same ranges as above? E-Commerce Services: "Revenues are generated through contracts that the Company signs with individual financial institutions. Although the structure of contracts vary, the Company typically negotiates with the institution an implementation fee, a monthly base fee per customer account on the service provided by the Company, plus a variable per transaction fee which decreases based on the volume of transactions. Contracts typically have one-to-three year terms and generally provide for minimum fees if certain transaction volumes are not met. The Company utilizes direct sales and distribution alliances to market to financial institutions and has the ability to customize services for each institution". It seems to me that monthly fees per customer, and transaction fees is where the money and future is, and has yet to be realized on a large scale, how can this be quantified? What is the per transaction fees that decrease on volume? Ranges? Government regs.: "If the Federal Reserve rules were to change to further restrict access to the ACH or limit the Company's ability to provide ACH transaction processing services, the Company's business could be materially adversely affected". "Because of growth in the electronic commerce market, Congress has held hearings on whether to regulate providers of services and transactions in the electronic commerce market, and it is possible that Congress or individual states could enact laws regulating the electronic commerce market". This bothers me a bit. Any thoughts? jim

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