Retail Banking

20 UCC Provisions Every Banker Should Know

By orbograph / July 10, 2018 / 0 Comments

The National Check Fraud Center has a no-nonsense, word-dense list of 20 UCC Provisions Every Banker Should Know. Go “check” out that link – – looks pretty daunting, doesn’t it? Author Mary Beth Guard manages to keep it light, though, even in some of the longer explanations: Section 4-209: Are you familiar with the encoding warranty? A…

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Digital Wallets: Not All “Independence Days” Take Hold….

By orbograph / July 5, 2018 / 0 Comments

In the spirit of Independence Day, let’s take a look at an article from PaymentsSource.com that explores various attempts to become “independent from checks, cash, and cards.” Their list includes venerable “we’re going all-digital” efforts like Venmo, Green Dot, and even PayPal – – all have sought to declare independence from plastic cards and checks,…

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Why Checks Are Still Golden For High-Risk Sellers

By orbograph / June 20, 2018 / 0 Comments

According to Thomas Skala, chief executive officer and president of telecommunications and payments company Genie Gateway, a mitigated risk of chargebacks makes checks the best path for high-risk sellers. High-risk sellers can include, for example, product repair companies if a customer is unhappy with a repair result; or the travel industry, in which buyers can chargeback travel…

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2018 Conference Highlights: Check Fraud and Payment Risk

By orbograph / June 12, 2018 / 0 Comments

Continuing our look at some of the highlights from our 2018 Healthcare and Check Payment Technology Conference in Nashville, TN, this time with information from a presentation entitled “Check Fraud and Payment Risk Industry Update and Technology Advancements,” presented by Joe Gregory, our own VP of Marketing; Yaron Katzir, who is Orbograph’s Director of Product Management for…

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2018 Conference Highlights: Survey Results for Reg CC Readiness

By orbograph / June 7, 2018 / 0 Comments

We’re continuing our look at some of the highlights from our 2018 Healthcare and Check Payment Technology Conference in Nashville, TN, via a presentation by Paul A. Carrubba, Partner at Adams and Reese LLP, and John Leekley, Founder & CEO, RemoteDepositCapture.com, entitled “Best Practices for July 2018 Reg CC Changes.” After Paul Carrubba’s overview of Reg CC Amendments that…

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FRAUD: 10 Reasons It Will Never Go Away

By orbograph / May 30, 2018 / 0 Comments

If there are persons in executive positions out there — particularly in the world of payments — who feel that we are escalating toward a golden age where fraud will all but be eliminated and all of our sophisticated tools and controls can be abandoned, they are not going to want to hear what Dr. Patrick…

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Podcast: The Vision of OrboGraph, Check and Healthcare Payments in 19 Minutes

By orbograph / May 24, 2018 / 0 Comments

For an invigorating Memorial Day drive, we invite you to take 19 minutes to enjoy the OrboGraph Podcast named, “The Foundation and Vision”; a conversation with OrboGraph’s co-president, Barry Cohen, and vice president of marketing, Joe Gregory.     Promising to be the best podcast OrboGraph has produced (yes, it is our first), the podcast covers…

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Message to Small Banks: Tech is a SOLUTION, not a PROBLEM

By orbograph / May 23, 2018 / 0 Comments

Small banks are at a crossroads: adopt new technologies or face the possibility of shutting the doors. According to Americanbanker.com: For community banks in highly competitive markets, service with a personal touch can be a differentiator to win and keep customers. But when legacy technology hampers the customer experience, all the cups of coffee in…

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Zelle: A Bumpy Ride Toward Ubiquity?

By orbograph / May 15, 2018 / 0 Comments

According to American Banker, the bank-led person-to-person payment network Zelle is making progress, but having growing pains. Banks and consumers have learned a handful of truths — good and bad — about the network as it copes with a number of challenges including fraud threats, growing demand, as well as technical and enrollment issues. Here is…

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B2B Payments Friction: Rethinking the Role of Check

By orbograph / May 3, 2018 / 0 Comments

Let’s be frank: paper checks present a challenge to anyone in the accounts payable space. But let’s be equally realistic: checks continue to make up about half of the supplier payments volume. B2B payments disruptors now have a choice when designing and deploying technology: Will they use that tech to make paper checks less friction-filled, or entice…

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