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.

Accelerated funds availability allows depositors to instantly access the money they deposit via check. That way, there’s no waiting period for the check to clear and no penalty if the check writer’s account has insufficient funds.

An article at BAI Banking Strategies by Victoria Dougherty, director of Payment Management Solutions, Fiserv, opens by wondering why accelerated funds availability, in an economy that reportedly grows more robust by the month, is in more and more demand.


While in the past, accelerated funds availability was most-commonly used by account holders who were experiencing a cash flow crisis of some sort -- according to the Financial Health Network (formerly the Center for Financial Services Innovation), there seems to be a new category of account holders who demand accelerated funds availability but aren’t low on funds.

Recent findings reveal a new category of account holders who demand accelerated funds availability but aren’t strapped for cash. Consider the November 2018 Financial Invisibles Report. It divides consumers into four groups for reporting purposes, with “No Worries” the most financially sound. Eighty-seven percent of the “No Worries” group said their financial situation remained the same or improved from 2017 to 2018, with an average income of nearly $80,000 per year. But their credit scores fell (while their bank account balances grew) and nearly one-third live paycheck to paycheck.


The BAI Banking Strategies article labels this "the new normal," calling out a cultural shift in the financial habits of consumers -- now more interested in enjoying today than saving for tomorrow.

Financial institutions must meet consumers in the middle. Yes, continue to educate them—and educate early. Financial literacy instilled at a young age is shown to change behavior and encourage saving. But we need a different approach for adult account holders with bills to pay today (yet grapple with “fear of missing out,” or FOMO).

Financial institutions need to respond to the market demand for liquidity. To that end, new solutions can preserve relationships with account holders and increase their share of wallet.

Quoting a Nielsen report "The Quest for Convenience," today’s consumers demand three key qualities: ease, utility, and simplicity. Account holders don’t want to think, wait, or spend any time trying to understand your products. In an effort to stay ahead of the consumer's behaviors, financial institutions need to stay mindful of shifts within the industry as well as the trends of overall consumers - this is where advantages are realized.

"Deeper transaction history can lead to better decisions for everyone involved," Dougherty points out. FI's deploying AI are ahead of the pack -- with data being the game-changer. Historical account data can be ingested by transactional analysis allowing financial institutions to perceive patterns within accounts. Using those patterns in risk modeling tools can help the consumer close their pay gaps, thus preserving the relationship. It can also help the institution in areas such as fraud detection and prevention, validation, and recognition -- three key check processing components.

(Download the entire "The Quest for Convenience" report HERE.)

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.