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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.

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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)

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

Banking the Under-Banked: Banks vs. Check Cashers (MSBs)

A Special Guest Host Blog Post by Bob Frimet, CAMS

Photo by Franco Folini

Millions of Americans depend on banking services each and every day, for everything from writing checks and paying bills to wiring money. But when was the last time you thought about the millions of “under-banked”? Where does that customer go?

There are many reasons why traditional banking services are not used by everyone. Although there are those who don’t trust or like using a bank, many consumers and small businesses live paycheck to paycheck or simply can’t accumulate enough income to cover bank fees or consistently maintain a checking or savings account.

A study conducted in June of 2017 by the FDIC consisted of responses from more than 35,000 households:

Estimates from the 2017 survey indicate that 6.5 percent of households in the United States were unbanked in 2017. This proportion represents approximately 8.4 million households. An additional 18.7 percent of U.S. households (24.2 million) were underbanked, meaning that the household had a checking or savings account but also obtained financial products and services outside of the banking system.

In just one subsection of the country, the numbers are staggering:

These consumers need a place get cash for checks to pay their bills, purchase money orders, remit money back home to family, and even load a prepaid Visa. Many in the under-banked subsect do not want to “bank with a bank,” and in the same respect, many banks prefer to avoid the risk of check cashing for this market.

Enter stage right, the check casher, a.k.a. the Money Service Business (MSB).

MSBs have been around since the 1930s and serve the unbanked and under-banked extremely well, cashing billions of checks annually. Check cashers are aggressive in what they do, and they perform their functions with precision.

This doesn’t mean the MSB cashes just any check. They know their customer and take steps above and beyond what a typical financial institution would do to validate checks. They are uniquely designed to service the local neighborhood and do it well.

For years, the banking industry scrutinized MSBs. Recently, there’s been another push for banks to open their services and “de-risk” MSBs. The white paper, “Blanket De-Risking of Money Services Businesses,” by Kristin Pullar, CAMS-Audit, explains how banks can profit from these market opportunities.

Check cashing automation using recognition and AI technology can provide significant benefits in automatically validating payment negotiability of checks. Data extracted from images can do advanced checks like validate the payer information, compare the payee to account holder, and validate the date, just to name a few. These solid controls provide both MSBs and banks with effective automation and bottom line profits.

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