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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 (4878)	4/22/1999 12:59:00 PM
From: TLindt	Read Replies (1) \| Respond to of 20297

>>>Questions I have for the Conference Call... I want to know... 1) If there are Mooses in Georgia. 2) Why R. Gluck don't want a haircut. 3) And where's August West.

To: Benny Baga who wrote (4878)	4/22/1999 1:17:00 PM
From: Big Al	Read Replies (2) \| Respond to of 20297

>>>6% subscriber growth<<< Benny, I hope to see larger subscriber growth than 6 %. With the banks coming on more and faster, that alone should take subscriber growth up, right? Bank One, Chase, First Union, etc... Also, as online banking grows, people are hearing about EBPP more and more. Additionally, I think that more people who have been sitting on the sidelines are slowly beginning to turn on to EBPP. Yet, bill presentment still may not be far enough along due to not enough billers yet. I may be early, but hopeful on subscriber growth. I guess that even a little North of 6% would be a good sign for future ramp up. Could be another Q or two before upward subscriber growth. Billers still a key. I bill pay through Bank One and their E-Bill announcement did not have one biller on their list yet for me to receive a bill from.

To: Benny Baga who wrote (4878)	4/22/1999 3:50:00 PM
From: Harp	Respond to of 20297

> Questions I have for the Conference Call... Benny, I think your question are right on the money... I also want to know what we are doing to differentiate our service from TP. Clearly signing exclusive deals with portals (Yahoo!, Intuit, AOL?, etc.) is one great thing. But, it doesn't appear that most billers want exclusive agreements. Perhaps, there is a way to provide financial incentives to get them into exclusive arrangements. Finally, how do we keep customers from jumping over the fence when/if TP ever comes on line? Maybe we have the frequent bill payer program? Pay XX bills on-line and get 1000 miles on your freq flyer program... Or 30 minute calling card from AT&T? We need to lock these customers in, everytime they pay a bill someone throws them a bone. Oh, and one last thing, the bill pay sites must be easy enough for any Tom, Dick and Harry to operate. And the sites must integrate pay-anyone and EBPP, so Tom, Dick and Harry have the best of both worlds. Harp (IMHO)

To: Benny Baga who wrote (4878)	4/22/1999 5:46:00 PM
From: Erik T	Respond to of 20297

1. Record number of People are signing up for On-line banking, but not all sign up for bill pay. Is there a way for CheckFree to target market current on-line customers that don't use bill pay? (I would like to see this happen with Wells Fargo). Last weekend I went to my local Wells Fargo branch to move some accounts from BofA, which will not let me even do home banking as their system will not support Macintosh computers, to Wells. I asked rep about interest in their home banking platform and was told that they are really pushing online banking to anyone with a computer, and he said everyone wants it, including bill pay. Wells Fargo offers free online bill pay for min balance of $5,000. Otherwise it is $ 4.95 per month. I think we will see better than 6% growth this quarter. My vote is on 8-10%. Erik

To: Benny Baga who wrote (4878)	4/23/1999 1:32:00 PM
From: ajiaji	Read Replies (1) \| Respond to of 20297

I'm new to the EBPP area and trying to get a few things lined up, especially with regard to competition for CKFR. It appears to me that the area that just can't be handled by the banks or the vendors (billers) is the aggregation of bills and subsequent distribution to interfaces for presentment be it the banks themselves or portals like Intuit, Yahoo, etc. Banks should be able to figure out the presentment game, at least the larger ones, or they can work with any number of software solutions to get there. Large enough vendors should be able to provide bills directly to the largest banks and there seem to be any number of software solutions to create e-bills if the vendors don't do this on their own. So ultimately, it seems that the little guys, banks and vendors, will need the services of the aggregators. And this will ensure that outfits like Checkfree and Transpoint will not become irrelevant due to the integration of these services. But because (in my highly uninformed theory) the little guys will be the important ones to have the relationship with, why wouldn't an outfit like Visa jump into the game? They already have relationships with the small banks and small vendors and could integrate bills in much the same way they integrate credit card services. It looks as if Checkfree has a pretty good jump in all of these services so they should certainly do well in the short run. I just question the long run and also to what degree the current stock price reflects their jump on the game.