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

To: TLindt who wrote (7125)	8/25/1998 9:45:00 PM
From: Benny Baga	Respond to of 8545

Actually, unlike CyberCash, CheckFree for the most part gets paid by number of customers, not the number of transactions.(although I think CyberCash is having a lot of trouble deciding how to charge for their services). Some mid level bank managers and Gary Craft suggest that CF should change it's model from consumer based to transaction based. CF maintains that due to service issues, etc., a transaction based model will not work in the current environment. ...back to my point, CheckFree actually makes more money on a consumer that makes less transations per month (for the most part) where CyberCash makes money per transaction. In addition, I think the Visa Joint Venture, which is yet to be named, will be transaction based. Benny(IMHO)

To: TLindt who wrote (7125)	8/25/1998 9:45:00 PM
From: micny	Read Replies (1) \| Respond to of 8545

I agree, if the volume of new customers doing low volumes is equal to or less than "maturing customers" reaching their peak volumes, then the average should slowly rise. But, if the volume of new customers is great, and all or most of the accounts already on the books have reached their peak volumes, then the average will temporarily be brought down. It will thereafter rise back to the former levels.