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

To: salva who wrote (2638)	2/15/1999 12:41:00 PM
From: Sam Biller	Read Replies (4) \| Respond to of 20297

> If the "banks" develope their own 'posting' and 'ditribution' of bills , say from Home depot,or Macys, etc, then do the Banks really need CF at all? You are correct that banks could choose to bypass CheckFree for bills which they could handle internally. But what do they do for the billers that don't fit this category? I think this is one of the reasons CheckFree prefers to have a per subscriber charge rather then a per transaction charge (i.e., to avoid the scenario where the bank handles all of the desireable, aka electronic, bill payments internally and leaves the pay anyone, aka paper check, to CheckFree). Other bill payment services have tried to compete with CheckFree but the economies of scale make it very expensive until you have millions of customers and the customer support side is very expensive. >Or does CF have the software, know how,and all the other resources that the Banks cannot develop, or want to develop on their own? to run this online e-commerce. I think the software exists. The answer depends on the switching and life cycle costs of maintaining an in-house bill payment capability. Sam (FWIW)