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

To: TLindt who wrote (4285)	4/5/1999 8:15:00 PM
From: Sam Biller	Read Replies (1) \| Respond to of 20297

>>>A Bank, is a Bank, is a Bank....CheckFree just took your banks paper CheckBook and digitized it....and CheckFree is taking on the postal responsibilities by digitizing the biller mail....to feed their digital CheckBook. As a biller myself <g>, your point is crystal clear. CheckFree is the FedEx, the UPS, or the USPS of internet bill payment and presentment...with one huge difference. The infrastructure to support shipping packages from coast to coast requires large expenditures of capital (e.g., airplanes), and a huge employment force to facilitate the movement from coast to coast...while the Internet bill presentment and payment paradigm requires a smaller capital expenditure, a smaller work force, which can be scaled to support EBPP for the entire country (i.e, Genesis). IMHO, if FedEx and UPS are profitable, then CheckFree will be very very profitable. In addition, the barriers to entry are significant, as is evident in the failure of Intuit Services Corp. to turn a profit, and the time that TP is taking starting up even with the combined forces of MSFT, CITI, and FDC. Sam (IMVHO).

To: TLindt who wrote (4285)	4/5/1999 8:36:00 PM
From: zuma_rk	Read Replies (1) \| Respond to of 20297

<<Mailboxes at brokers, banks and portals...your favorite PFM, whatever. Don't matter...the more the better.>> Speaking of which -- just got a free copy of Schwab's new quarterly magazine, which is published in conjunction with Bloomberg, called On Investing (part of Schwab's new "Signature Services"). There, on the inside back cover (primo magazine real estate), is a full-page, full-color ad for "Online Checking From Schwab," with the tag: "Introducing Schwab Access, a Simpler Way to Manage Your Money," and the phone number (800-797-9044, if anyone's interested)... Just a matter of time until the market realizes that the Schwabs of the world are upsetting the natural order of things...hehehe RK