,,, here my babies is what Tmex has been analyzing and discussing with me a little bit,,,,read it,,,
lets MONETIZE this Internet Play,,,
We could be contemplating the emergence of the ultimate new kind of
GLOBAL Financial Institution Provider of Clearing Services,,, which obviously at this stage are unregulated, this sort of services are not contemplated by any Current Banking Law Act as far as am
concerned. CYCH is NOT a credit card issuer,, although has
other sort of monetary products and, SERVICES that involve credit
card settlements. The main ambition -HUGE AMBITION- of this co is
to make 'the Internet Ultimate GLOBAL Payment System'. CYCH
main activity is to offer an array of online services that lead
to the Completion of BILLING SETTLEMENTs . Contrary to what our
initial intuition of what this company was -pure electronic payment-
CYCH services pretend the professional management of the processes
involved in financial settlements of commercial operations, within a
UNIVERSE that covers ALL sort of billing including ALL the current
PAPER billing in the real world,, whether INSIDE OR OUTSIDE the
CyberSpace –!!! The information they provide is quite
arcane,,,,!!! Get this right, CYCH's Model's proposition is to
cover ALL billing currently made either over the Internet or NOT
around the World.
WHAT SERVICES offers CYCH>
*offers to be a concentrator of all sort of BILLING settlements over
the Internet, covering a Universe which includes all sorts of
Billing made around the WorldWide inside or outside The
CyberWorld!!!.
*PRIVACY,,, this is an extremely important service and at face value
has a quite high price,, somebody would have to do it and
nobody knows with what intention.
*Security idem
*Cost Savings for the Dealer that originates the Bill, via optimization of cash flow management, via timing shortening
*WorldWide online AUTHORIZATION of payments whether using credit
cards or other sort of monetary instruments, either using local or
international means of payment.
GLOBAL SETTLEMENTS working on existing local bank backbones,,
For this purpose CYCH has a radical strategy meaning the market
making of banking relationships around the world. Although they
wouldnt specify it, they imply the development of links with every
financial institution WorldWide,,, this should be a target,,,so
consumers around the World can keep their already existing banking
and credit card relationships.
CYCH REVENUE Generation System:
*Basic source of income: Fees according (verify in***)
SHADOW Sources of INCOME Generation
*Hidden Revenue generated on billing flow. Being a concentrator of
payments, CYCH is in a such a position to arbitrage the flows of
assets and liabilities,,, while charging the * customer and accruing the biller,,, The institution generates flows of temporary assets and
liabilities,, the time frame could be as short as a second but the
position generated, even for a second is subject of being accrued to
a transitory account which is obviously not subject of Compulsory
Reseve compliance by the FED,, and which is subject of gaining an
interest or other alike in favour of CYCH,,,, This means that CYCH
is in capacity of earning ir accruals over these temporary balances,,, thus generating income .. Transitive accounts
are subject of ir credits,, as far as the law covers in financial institutions' cases. ie.. Whenever you arrange a settlement of a loan
in a bank, the amount of money of the loan passes to a transitive
accruing account for a day,,, on that transitorium day that money is
considered cash and passible of gaining interest or even beyond,
onsidered cash inside the aggregate balance sheet of the bank that
money in transition is passible of being lend,, again,,, thus the aggregate effect has a positive income effect for the Financial
Institution. The imperfections of finnancial arbitraging which occur
in EVERY financial or banking transaction create opportunities for
every bank and CYCH.These imperfections create REAL bookeeping
entries which Generate income.
*Banner Advertising Model *Potential/, they may or may not imply a
source of income for CYCH
*CYCH Model generates EXTERNALITIES given a certain size of the
exploitation of the model. To a GLOBAL reach the radical
optimization of cash flows may definetely cause a degree of
Monetization. This happens exactly with the so called *CreditCard
Effect,,, Monetization occurs pushed by Financial Institutions beyond
frontiers and has effects on the monetary policies of the
countries affected. (****the secrets you will never hear from
highflying bankers). Who controls the monetary policy in a given
Country. There are reasons bankers will never confess about their
power behind the shadows. Thereis more behind the revenue generation
inside the 'bankers highflying class'.
Servicing the purpose of their AMBITIONS, -CYCH has established
joint ventures in Germany, CyberCash GmbH and Japan, CyberCash K.K.
CyberCash has also established partnerships in Canada and the United
Kindgom. CyberCash continues to actively pursue new markets such as:
Australia, Hong Kong, Italy, Spain, Switzerland and Taiwan.
*About their ADVERTISING Model
billing touchpoint is one of the most leverageable and vulnerable
advertising periods in the sales cycle. It is at this point forceful
communication, branding and cross-selling opportunities exist. CYCH
neutralizes Lost Communications and provides Cross-Selling
Opportunities optimization between dealer and customer.
COMPETENCE Edging
Yes, there are competing cos,,, the difference between the other
e-clearing models is the extent of the GLOBAL approach which for CYCH
it reaches even the local foreigner currencies for billing
procedures,,, the location of the branded touchpoints with customers
which for CYCH are located at the same dealer's website or otherwise,
if decided so by the same dealer,,, in other words CYCH provides a
HIGH degree of control on the billing process, payment and other
ancillary services *unconscious information sharing for the customer
interface,, which includes customer interaction and branding which
offer different possibilities about banner advertising management
targeted to avoid lost communication as much as possible creating
positive branding opportunities.
Other Competitor's systems are heavily branded software solutions. In
this scenario, the biller has no opportunity to brand, cross-sell or
communicate with his own customer. Cross-Selling the biller by CYCH
provides the biller an opportunity to feature products and services
that should work deepening his relationship with the customer and thus build loyalty.
Efforts by CYCH in marketing their model and in making significant
investments in computers, networking systems and telecommunications equipment have been made. CYCH is open to getting new strategic allies or joint venture partners to finance all or part of the
development work necessary to adapt the Company's technology to new
uses or to foreign markets. CYCH has had working relationships with
Barclays Bank, UK to launch BarclayCoin; development work performed
for Netscape on software for a pilot of the
SecureElectronicTransaction (SET) protocol in Japan; formed strategic
alliances with iCat Corporation, Paymentech, Vision Factory, Coopers
& Lybrand, Oracle, and Digital Insight. CyberCash is actively
looking for financial institution partners in new markets to provide
consumers,merchants, and businesses secure on-line payment services
using the CyberCash system of securing electronic payments using
payment cards (SET; debit cards; smart cards) and existing, local
bank accounts. CyberCash has already established partnerships with
any of the world's top financial institutions such as: Barclays Bank,
Wells Fargo, Mellon Bank, American Express, Dresdner Bank AG, Daichi
Kangyo, Sakura Bank and Sumitomo Bank. CyberCash has entered into
alliances with Netscape, Oracle, Digital Cities, NCR, Edison Electric
Institute, Pitney Bowes and Novazen in order to increase its foothold
in this developing marketplace.
SOFTbank has a 6% stake on CYCH.
CYCH Biz Model is next generation biz. powerful enough to inspire
whatever highflying Financial inst. with international connections,
this co needs a banking partner with corresponsals already in
place,,, or an AXP with their touchpoints WW, a FLEET, a C, a BAK, to
begin to work Globally.
We made no Valuation because it makes no sense,, as far as the model
will depend on Global variables correlated to the would be biz
partner, -the growth could prove exponential. With an adequate financial institution partner the perpetuity proves huge,,,,The
implementation and explotation of the CYCH model would be almost
free, given actual and current networking and financial banking
Connections of a well developed High-flying Financial Institution.
To be effective it requires of the orchestration of vertical and
horizontal integration,, according the partners involved. Ethics
are sound, rather white,,,take the other existing models,,,in
comparisson dont look that white (timing, sabotage, banner sys,
*privacy/danger of spyonage here). This are mighty reason to engage
in the biz/.inter alia. although it looks next generation tech
application,,,
The quite Impressive MODEL of "streaming fast money" could provide
bullish results in even unhealthy economies,, being thus
anticyclical. The biz lacks cache but this is subject of correction
by adequate marketing, branding and make-over. i mean clearing
ounds better than billing. With the correct partners and
Heritage,,with an adequate mystique this venture could prove to be
the next GORILLA game of "Monetary Clearance" in play.
Chart> it is at a bottom.
CYCH. NASDAQ: 11 Million shares outstanding at February 23, 1999
SHORT INTEREST
Short Interest for CYCH is 25.9% of the shares outstanding,
requiring 2 days to cover and increasing..***could prove a Short
Squeeze Play,,, this assures a potential gap-up >1,,,aside
conference schedulled for tomorrow,, deepening of the biz model
concept could lead to a new uptrend period
virtually debt free, according CEO Condon
52 week low 5.875 high 27.75
dail vol 721.1
float 8.00
book valu 4.72
long term debit/equity 0
total cash 16.4m
Beta 2.35
borkers coverage 2 moderate buy 3 hold
upgraded on Jan 27, 1999 by Friedman Billings from hold to accumualte
dec 1998 qtr -0.46
this qtr march '99 -0.40
Sun Mar 14 10:06pm ET - U.S. Markets Closed.
CYBERCASH INC (Nasdaq:CYCH) - More Info: News , SEC , Msgs , Profile , Research , Insider
Last Trade
Mar 12 · 12 1/16
Change
0 (0.00%)
Prev Cls
12 1/16
Volume
449,800
Div Date
N/A
Day's Range
11 1/4 - 12 1/4
Bid
12
Ask
12 1/8
Open
12 1/4
Avg Vol
714,227
Ex-Div
Charting
Moving Average Convergence/Divergence (MACD)-ST Bullish (in minutes)
Moving Average Convergence/Divergence (MACD)-LT Turning Point
Bollinger Bands stretching distance and flattening indicate base
drawing
RSI Wilder bearish
Long Term DISTRIBUTION pattern on low VOL
Short Term ACCUMULATION pattern
Near SUPPORT, on less than average VOL
50 Day MA indicate a short,, but last moves are bullish,
price is to cross MA
Fast %K and slow %K are oversold
*** Ref. Pricing of FEES
1.Secure credit card transactions (including both SSL and SET)
2.CyberCoin service, for cash payments from $0.25 to $10
3.PayNow electronic check service, for interactive billing
applications.
There are no software licensing fees. CyberCash's standard software
modules are now, and always have been, free to merchants, consumers
and partners.
CyberCash credit card service pricing
1.One-time Service Set-up fee:
The service setup fee is expected to range from $500 to $1,000
2.Monthly service fees:
Merchants will pay monthly fees typically comprised of a service
access fee and transaction fees based on transaction volume. (A
monthly minimum may be charged for merchants doing a low
number of transactions)
The expected monthly fees may include:
a monthly service access fee of $40 to $80, and/or
$0.20 to $0.60 per transaction fees
TMex told me this nice little story,,,about his friends, it is
cute,,, and rounds the ABOV biz quite a little bit,,,,
CreditCard World,,,, this really has cache right? Ohh yess,,
The magic of the CreditCard world proves unlimited,,,,and not only
from the customer side.. Do you know who controls monetary
Policy,,,? do you think there is only one answer,, lets say the
FED?,, well that is wrong,,,, monetary policy is exerted by the
one WHO creates CREDIT,,,, there are three main participants:
the FED, the public, and the BANKERS,,, what happens if i give
credit cards to all my customers,,, well i am pushing the monetary
multiplyer up and thus i am affecting M2, M3 and M4,,, and if i am
affecting overall M, call it Liquidity, then guess who is controlling
the Monetary Policy,,,,this is anything but an elusive concept,,,
and you thought that being a banker was boring,,,,, and there is
more,, dont you ever think the bankers are stupid,,,, the smart ones
hedge every bet,, that means they are totally collateralized,,, well
collateral is always taxed right,,, if there is default,,, here we
go again, another biz,,,, well lets play eBAY,, once again did you
think banking was boring? ''Most people live beyond their means,''
they always tend to extend themselves,,, well lets hedge.
sky is the limit,,,,
sources> A.Ditz, Mundell, JJ Pollack,, IMF, E.Holzmann, Rossemberg,
F. Sacasa, M.Guitian, FLEET,www.redherring.com,Bloomberg, Turnerint,
*There is now a new way to measure time over the internet,,,,the
Internet Time will be Global and the go ahead has been signed by
the MIT,,,, source MIT,,
well sweethearts,, give thanks to Tmex,, he almost has not time,,,
and to do this he spent quite a while,,
sciam |
