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

To: D Mueller who wrote (416)	12/2/1998 9:46:00 PM
From: TLindt	Respond to of 20297

Speaking of Intuit Quicken...new billers for the month of 11/98 from Quicken 99... New Billers 11-20-98: Nicor Gas is now available for Online Billing 11-30-98: BellSouth Telecommunications is now available for Online Billing I use e-bill from CheckFree at their site direct for totally electronic distribution, I use Quicken for on line bill pay for those bills not delivered to me electronically through e-bill(sm) but still on paper from 3 checking accounts, and my bank branded software from at Home ATM Branded by Old Kent....I use this one to see balances...in the accounts on a daily basis..and every bill pay part of the service I am testing is routed by CheckFree CKFR. Kinda of a cluster--f#ck way of doing things, but I'm scabbing because none of the institutions I'm dealing with are totally up to speed on this....so I'm using what's in market to see what the finished product might look like. Of all services, the e-bill model...IMO is the mass consumer propellant, Quicken e-bill on line though is gonna bring in Millions of current PFM Software users almost over-night because it's already going on paper presentment/digital payment now....digital to digital is much easier to deal with and has more payment options and end-to-end tracking. And from that aspect those of us who are now paying somebody to make payments digitally via quicken products...we should get a price break....as the biller pays to present vs mail within the digital system. So it should move towards free for us quicken users to turn a payment back over time as the system scales...if not these two companies will make a killing in the short-term{Intuit/CheckFree)...most likely temporary short term, as they get paid to present from the biller & pay from the user. There's a lot of give & take to come with Financial Institutions, Intuit etal...but in the early days...my guess is CKFR is gonna cut a fat HOG for at least a year on this from all of us until the system scales...recouping all the R&D spent quickley...like burning a candle at both ends. Where's the competition?