Skip to content


Check out our reservoir of information related to check recognition and healthcare payment technologies. We frequently update this section with the latest news, trends, and analysis of the banking and healthcare industries.

2019 Tech Conference

May 20-21, 2019
Charlotte Marriott City Center

Industry Videos

News and trends for the banking and healthcare industries

White Papers

OrboGraph’s thought leadership and original research

Past Tech Conferences

View the highlights from past OrboGraph Tech Conferences

Product Videos

Watch our 2-minute videos to learn about our products


View our list of partners or become one yourself


News and updates from OrboGraph


Download additional information on your products and services

Reg CC

Compilation of resources to help you navigate Reg CC


See where OrboGraph will be next


Learn more from OrboGraph and Industry Leaders


Hear what our clients and partners have to say about OrboGraph

Platform Modernization

Both the financial and healthcare industries are undergoing modernization initiatives in check payments and remittance.  See how OrboGraph is using AI, self-learning and deep learning models to drive innovation in these industries to deliver workflow automation.

Platform Modernization

Modernizing payments in the banking and healthcare industries

AI, Self Learning & Deep Learning Technologies

Optimized AI and deep learning models for the automation of check processing and healthcare posting

Operationalizing AI & Self Learning in Checks

Revolutionizing check processing and fraud prevention for the banking industry

Delivering Healthcare Payment Electronification

Increased accuracy levels, decreased error rate for healthcare payments posting

Product Videos

See how each product/service module of OrboAnywhere and OrboAccess delivers value from our check and healthcare payment platforms

Corporate Video & Podcast

See and hear how OrboGraph incorporates AI, deep learning and self learning technologies into its product suite

Healthcare Payments

OrboAccess automates remittance and payment posting as well as enables full research and business intelligence analysis for RCM companies, clearinghouses, billers, and providers.

Access EOB Conversion

Delivers EOB/EOP electronification with information intelligence via AI and deep learning technologies

Access Correspondence Letters

Extracts posting data and tracks reimbursement progress via workflow management

Access Payment Reconciliation

Streamlines the reconciliation process of ERA, ACH, EOB and checks

Access Patient Payments

Automates patient payments for posting

Access Denial Intelligence

Spotlights trends in denials to reduce receivables via prevention

Healthcare Payments Automation Center

Scalable, reliable, flexible cloud-based hosted data center on Amazon Web Services (AWS)

Modernizing RCM with AI

An informative resource to assist RCM companies in understanding how to solve today's problems with the help of AI.

Check Processing

OrboAnywhere automates paper originated payments (i.e. checks, money orders, drafts) and remittances for balancing and posting while reducing risk and losses in the areas of check fraud, payment negotiability and compliance.

Anywhere Fraud

Transaction and image analysis for on-us and deposit fraud detection of counterfeits, forgeries, and alterations.

Anywhere Recognition

Divergent multi-engine CAR/LAR, ICR, OCR & AI check recognition for the Omnichannel

Anywhere Validate

Validate payment negotiability of paper originated items

Anywhere Payee

Match, read, and validate payees for risk and operational workflows

Anywhere Positive Pay

Payee name verification of business checks using issue files

Anywhere Compliance

Mitigate risk in check payments for OFAC, BSA/AML, UCC, Reg CC, and KYC

Restrictive Endorsement

Automatic validation of restrictive, mobile and non-restrictive endorsements

Traditional Products

Based on the Accura XV platform

Modernizing Omnichannel Check Fraud Detection

An informative blog series exploring payments fraud and image technologies used to fight financial crimes.

Use of Personal Checks: Drilling Down to "Who and Why"

A report by the Federal Bank of Atlanta reveals some useful trend information regarding check usage in the United States. The report is described as "a snapshot of U.S. consumers’ use of paper checks in 2017 and 2018, combining data from the 2017 and 2018 Diaries of Consumer Payment Choice." It gives us a look at who uses checks, and why they use them (in terms of where check payments tend to go).


Some of the report's findings include:

  • Most paper checks are written by businesses and government—60 percent of checks by volume in 2015, according to the 2018 Federal Reserve Payments Study (FRS 2018)
  • The share of checks written by consumers has declined since 2000, when 45 percent of checks were written by consumers. From 2000 to 2015, the number of checks written by consumers declined from 19.3 billion to 7.1 billion, a drop of 63 percent.
  • In 2009, U.S. consumers age 18 and older made 13 percent of their payments with checks; in 2018, 5 percent.
  • In 2009, 87 percent of consumers reported using a paper check at least once during the year. In 2018, 61 percent of consumers reported using a paper check at least once.
  • From 2015 to 2018, the proportion of consumers who state checks are their preferred payment method declined by 23 percent for bills and 8 percent for purchases. (Keep in mind that consumers’ stated responses on payment instrument preference could be unrelated to their behavior in the moment.)
  • Consumers used checks for 7 percent of all transactions in the two years, 2017 and 2018, and wrote about three checks per month.
  • Compared to transactions using other payment instruments, checks had a relatively high average dollar value, around $300, compared to $84 for all the rest of the transactions.
  • The median dollar value of checks written in the two years was $100. Three-quarters of checks are for less than $250.

And where are check payments going?

  • By number, most checks were written to pay merchants traditionally associated with household bills (57 percent).
  • Of checks not used to pay bills, 7 percent were written to pay another person (P2P), 12 percent were charitable or religious donations, and 6 percent were to grocery stores and gas stations.
  • One percent was used to make a transfer from one account to another.
  • The remaining 17 percent were written to pay other merchants.
Federal Bank of Atlanta

Perhaps most interesting is the study's findings regard who uses checks:

Only consumers with a checking account—90 percent of U.S. consumers in 2018—can write a paper check. Asked in 2017 what payment instruments they prefer to use, 2 percent of U.S. consumers said they preferred checks for purchases and 14 percent said they preferred them for bills. By age, 25 percent of consumers 65 and older, 15 percent of consumers 45–64, and 7 percent of consumers 18-44 said they preferred to write checks for bills. Note that a consumer’s stated preference may not necessarily match the consumer’s preference indicated by the actual payment type used.


Though declining in usage, checks are still a vital payment instrument across the range of the modern economy. The key for banks is to achieve 100% straight-through-processing (STP) with solutions like Anywhere Recognition that automates the process through the utilization of technologies like AI and Machine Learning, virtually eliminating errors and misreads that require manual intervention.

Leave a Comment

Review your needs with an OrboGraph expert.

Sign up below for your complimentary assessment or to request
estimated solution pricing from OrboGraph.