Silicon Investor (SI) -- The First Internet Community

STOCKTALK

We've detected that you're using an ad content blocking browser plug-in or feature. Ads provide a critical source of revenue to the continued operation of Silicon Investor. We ask that you disable ad blocking while on Silicon Investor in the best interests of our community. If you are not using an ad blocker but are still receiving this message, make sure your browser's tracking protection is set to the 'standard' level.

Technology Stocks : CheckFree Holdings Corp. (CKFR), the next Dell, Intel? -- Ignore unavailable to you. Want to Upgrade?

To: Sam Biller who wrote (9529)	9/1/1999 10:38:00 AM
From: noiserider	Read Replies (1) \| Respond to of 20297

Didn't I see a post in the past few weeks saying the Yahoo bill payment feature would be up in October and the bill presentment part follows in '00? I think the incentive is heavily with bill pay. Yahoo and the Yahoo user want bill pay (Yahoo for stickiness, users for convenience); the billers want bill presentment (cost savings, customer service). Novazen has an informative site (thanks, willy-trader) about EBPP from the biller's point of view. Plenty of market data plus a comparison of the direct biller (Novazen) approach vs. concentrator (CKFR). A bit slanted, but still informative. novazen.com Keith

To: Sam Biller who wrote (9529)	9/1/1999 10:49:00 AM
From: Sam Biller	Read Replies (1) \| Respond to of 20297

I was thinking about the shift from a per-subscriber charge paradigm to a per-transaction based one. IMHO, this will be the single event which ignites subscriber growth. This is best illustrated by an example. I have an computer savvy Engineer colleague who analyzes everything. He did a cost/benefit analysis on the bill payment system offered by his bank (Huntington Bank). At first they were offering web bill pay for $3/month (using CheckFree). On average he pays about 6 bills per month so he could easily justify the $3/month cost based on the "less then the cost of a stamp" argument. When they raised the fee to $5.95/month, he couldn't justify the cost since it was cheaper for him to use the USPS. He dropped the service. If CheckFree moved to a per-transaction based service for pay anyone, my friend would re-subscribe to the Huntington (CheckFree) service. The cost per transaction needs to be somewhere around the cost of a stamp (.33/transaction). This cost would automatically be debited from the subscriber's account similar to the ATM fee a user is charged when he goes outside his bank's network. In summary, I think the shift from a per-subscriber to a per-transaction based approach for EP is a great idea and I'm looking forward to the subscriber growth which accompanies this shift. I hope Yahoo takes this transaction approach when they role out the bill payment portion of the service. For e-bill, the subscriber shouldn't pay any fee as the e-biller should absorb the cost. - Sam (just some rambling on a very slow news day)