CheckFree had defined itself as a facilitator, allowing the trusted intermediariesprimarily the banksto “own” the relationships with the consumers and businesses they served. Through its history (see Exhibit 6 for a CheckFree timeline), the company had worked largely out of sight, providing a transparent service. Consumers had experienced the benefits but never “saw” CheckFree. Even customer service was provided out of CheckFree’s call centers on behalf of the CSPs.