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

To: Max Singer who wrote (2429)	2/8/1999 11:52:00 PM
From: 007	Respond to of 20297

Max, thank you very much for your response. The more I look at this company, the more I like what I see. I'm going to ask IR some questions, too. If there are any other views on barriers to entry, please don't hold back. Thanks, 007

To: Max Singer who wrote (2429)	2/9/1999 12:01:00 AM
From: TLindt	Read Replies (2) \| Respond to of 20297

Let's take e-bill to it's basic form...and then re-ask the question. What it an e-bill? A web version of a paper statement right? The trick then to this whole thing then is to send it to the customer on the web, right? So where do we sent it? Where the Customer wants it sent? After all we are all different...I want mine in Quicken...Some of you folks might feel more comfortable getting e-bills at your 'trusted bank site'...Some of you might want them on your favorite Portal, Yahoo!, Lycos etal..and Some of you might want them by e-mail....then again Some of you might want to go to your billers site to pick up. So see it's not just making a bill up in web format...it's distributing the bill to the customer. EBPP in it's simplest form is a replacement of a paper sent to a mailbox at the end of your drive to where you now want to receive it on the web. your web box So EBPP is all about distribution....that's where the cost saving comes for the Billers getting into this. What does CheckFree offer in this distribution paridigm. #1) they have the largest distribution network for e-bills, they'll send it to you your way, however. #2) they will then track the e-bill end-to-end...from biller/you/your bank/their bank. To this point, nobody can to anything close to that. But the important thing here is, and it's always been this way. The consumer chooses where the bill gets sent not the biller So while this one Vendor is saying our way is better then their way, and the other says, "no our way is better"... boils down to this...it ain't up to them anyway...this way or that way...it's up to the consumer. CheckFree will send the e-bill to the consumer where ever they want it sent, not tell the consumer where to get them. Based on a competitors ability to distribute...they are all limited in their methods, and thinking. It's the ASS-U-ME principle. I'll get my damm bills where I want, thank you very much...not where they choose to send them, or I won't do it. So Barriers to Entry...Yea. Send them where the comsumer wants them....that's CKFR.