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

To: Benny Baga who wrote (759)	12/17/1998 3:44:00 PM
From: TLindt	Read Replies (1) \| Respond to of 20297

Hey...I got an e-bill today did you? I also got this message... Subject: E-Bill Payee Accepted Date: Thu Dec 17 03:11:39 1998 Any of you guys feel left out?....just go to the site and enroll up for service. After that let me know....I'll give you my payees and account numbers and you can choose which one of my bills you want to pay. Brooks...I'll let you have first pick....christmas party time tonight.

To: Benny Baga who wrote (759)	12/17/1998 3:57:00 PM
From: JB	Read Replies (1) \| Respond to of 20297

No, CKFR has no use for branding. From what I have heard from CKFR they are happy to stay in the background. When you go to a bank Web Site and pay your bills it is transparent who is providing the service. Financial institutions who hold deposits own the customer and CKFR does not want to compete for bank customers (unlike Citicorp). CKFR strategy is only to sign up the national billers like AT&T ( which is actively working on their bill presentment solution as we sit here). Each bank will then use their own sales force to sign up regional billers important to that bank. CKFR is happy to collect a few pennies for every transaction. A nice razor blade strategy. Add each banks sales force along with CKFR and you have a powerful ramp up in revenue as people buy those $499 PC,s and get on the WEB.