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Technology Stocks : CheckFree (CKFR) -- Ignore unavailable to you. Want to Upgrade?

To: Roger Bass who wrote (1892)	2/23/1998 12:26:00 PM
From: jjs_ynot	Read Replies (1) \| Respond to of 8545

Since you have a quasi-inside view of things; perhaps you could give us a perspective on what's transpiring here. My take is that the growth and money involved are potentially getting large enough to get serious strategic attention from the big opportunist (MS) and the folks who may be losing business (banks) as they did for credit cards. The outcome is uncertain. Is there more to this story? Does BARS have a business interest here somewhere?

To: Roger Bass who wrote (1892)	2/23/1998 12:33:00 PM
From: TLindt	Read Replies (3) \| Respond to of 8545

>>>"I don't agree. I've worked a lot with banks. They may see Quicken as a strategic threat in some ways, but Intuit is not providing banking services. CheckFree on the other hand, from a bank perspective, clearly is non-industry ie it's not a bank, even though they are providing what are essentially banking transaction services." Ok see the point...Intuit is not moving money...they just have the frontend. Somebody else moves the money...so if Integrion is Bank owned & CheckfFree is backending parts of Integion...and Integrion owns part of CheckFree how can CheckFree be clearly 'non-industry'? So then is MSFDC this sleeping bear monopoly? Because it's not CheckFree, Craft just handed them the lowest possible rating and he wrote the report? And I have a really had time believing that as some have suggested, he missed his call on CheckFree...downgraded it so he and his customers could load up. That may be how it works in the Big City, but not with simple folks in the Country...we are not brought up that way. Saying something and doing the other is a good way to get your ass whipped around here. Probably has a lot to do with being backwards and stupid. Just trying to figure it out based on process of elimination.

To: Roger Bass who wrote (1892)	2/23/1998 2:27:00 PM
From: Benny Baga	Read Replies (1) \| Respond to of 8545

From Mincy on the Yahoo Thread: the reality is that banks rightfully ""HATE"" offering their customers the Quicken and Money interfaces, even though each made major concessions to the banks...under considerable pressure from the banks, re. bank branding and the charges they once charged the banks. The bankers justifable fear is that these brands will become synonymous in the consumers mind with banking. When everyone offers a Quicken solution...differientiating is almost impossible. That led to the creation of Integrion chartered to create bank owned fron-ends. What led to the sale of ISC, in addition to the fact that they couldn't pay bill effeciently, was the fact that the banks were't going to lay back and have it dictated to them that if their customers used Quicken...they also had to use ISC services. They don't really have a major concern over Checkfree's role given that is isn't attempting to become the brand that gets consumer mindspace. Msft is making the same mistake quicken did and that MSFT would have made earlier(had they been allowed to purchase Quicken).....trying to take on the role of front end & back end, so they can set all the terms of use. I don't think the banks are going to be stupid enough to let them!