To: doug_day who wrote (16663 ) 10/19/2000 9:35:02 PM From: TLindt Read Replies (2) | Respond to of 20297 I am a two year user of on line bill pay, but skeptic of e-bill presentment. 1) I find having a paper copy very handy, and even necessary, for most bills. 2) E-bill saves money for the biller, not the consumer, so SHOW ME THE MONEY. Until then I do not care... 3) It will be a long time before 4 e-bills are possible for me. Outa my 20 or so bills, only one is now e-bill capable. One e-bill?? Who cares? 4) If I do e-bill, I will want to view the entire bill (and would endure any marketing info, as I do now with paper bills), not just an overview. 5) I would want to download and store the complete e-bill in my computer, backed up, not in some remote site that could go away. Where would that put MOBI? Hey, I'm noting going into a lot of detail, folks have to think for themselves...but all 5 of your reasons for NOT doing e-bill are the strong points of MOBI Click-n-Done vs a CKFR/MSFT solution. IN FACT...the CKFR successes to this point has mostly been in MONOPOLY Business where "customer service" sucks anyway, or is non-existent in the first place. Statements, "details", accuracy...and as Ronald Reagan use to say "Trust, but verify" won't fly strait up that channel B2C or B2C as exists today, and provide much growth. The "value" added in the equation HAS to fucus MORE on the CONSUMER. Times and effort savings on their behalf. The biller can save $1 on every bill or statement but it don't mean shit to the consumer if it ain't easier then paper, DUH? That is the Problem...and will be the problem, until Big business and monopolies make this easier then paper for the consumer. And that is EXACTLY what CKFR lacks, and MOBI fills in theory with Click-n-done. I'm a broken record; cause I've been there experienced it..and it will not work as it now stands. Without details, accuracey and trust. BTW if you were don_day, and I was robert_duvall we'd strike oil in our thoughts on presentment....as the stars fly overhead. MOBI will go over $50, then onto $75, and I'll have to go to Texas and buy dinner for Peat before next December.