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AI Innovation

Both the financial and healthcare industries are undergoing an AI evolution. Review our vision for Artificial Neural Networks (ANN) and deep learning targeting these industries.

AI-Based Check Automation

Check recognition & fraud detection are the most important components in today's check processing and omni-channel capture. Learn how OrboAnywhere using OrbNet AI technology reduces costs and mitigates risk.

AI-Based Healthcare Electronification

OrboAccess, powered by OrbNet AI, provides electronification to remits and payments, enabling RCM companies to automate posting, improve research, and deliver business intelligence

About Us

Celebrating 25 years of innovation, OrboGraph has transformed into an AI company delivering targeted automation solutions to the banking and healthcare industries.

Resources

From news and events to case studies, trends, and videos, this section provides a range of information resources for payment automation in the banking and healthcare industries.

Blogs

OrboGraph produces four blog series on a weekly basis covering topics from check processing, fraud prevention, AI technologies, RCM, and healthcare electronification. Select one the blog to the right. We hope you enjoy!

OrboNation Check Blog

The Latest

ORBOIMPACT Speakers Promise to Deliver

Hopefully you've already registered for the ORBOIMPACT VIRTUAL CONFERENCE scheduled for October 29th and 30th. If not, what are you waiting for? ORBOIMPACT will explore AI innovation in the fields of check payments, check fraud, and healthcare remittance automation. The event is FREE and is accepting a limited number of ...
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10 Principles for Modernizing Your Technology

Even as we see our industry create and adopt newer and better, more precise tools for improving check processing and preventing fraud (we proclaimed 2019, remember, the Year of AI and Modernization), it's important to be aware of how to most effectively integrate new technology the current ecosystem in a ...
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OrboGraph Announces Powerhouse Speakers for ORBOIMPACT 2020

Having already announced our client and partner virtual technology conference in late September, OrboGraph has completed it’s speaker line-up for the ORBOIMPACT conference for the afternoons of October 29th and 30th (see agenda here). Day 1 (Thursday, Oct. 29): Healthcare Payments Sessions Day #1 is highlighted by Keynote speaker Mr. Michael Manna at ...
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Real Time Payments: Still No Match for the Check

The "death knell" for checks has been sounding false alarms for a decade; year after year we are told it's time for checks to fade away, and 2020 is no different. However, the paper check hangs on and remains undeniably popular in spite of the frequency with which it is ...
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FDIC Survey Shows 20+% Bank Deposit Growth

Predicting an economic recovery in today's COVID-19 environment is far more complex than reading traditional individual economic indicators. As seen by the recent run in the stock market, there are certain market components somewhat disassociated from traditional indicators, i.e. unemployment rate, GDP growth, etc. Bank Deposits & Assets One interesting ...
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Get Ready for ORBOIMPACT: AI Innovation for the Future of Check Processing

The countdown begins! In a little over a month, OrboGraph will be hosting the ORBOIMPACT Virtual Conference: AI Innovation for Check Payments, Check Fraud, and Healthcare Remittance Automation. The conference consists of a 2-day, 3-hour agenda, packed with rapid-fire, impactful sessions covering industry news, business case benefits, AI technology updates, and ...
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Regulators’ “Fast and Furious” AML Fines – Not the Whole Compliance Story

Rachel Woolley, global director of Financial Crime at Fenergo, tells FinTech Futures that penalties against financial institutions have come “fast and furious” over the past few years. Fenergo data shows that fines against financial institutions through July 2020 have reached $5.6 billion. The charges account for anti-money laundering (AML), know ...
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COVID Has Expanded Small Businesses’ Use of Banking Services

The effects of COVID-19 have been far-ranging and, in many cases, quite detrimental to businesses large and small and have altered the way customers are banking. According to a Wall Street Journal Article: There is evidence that customers will continue to pivot to digital banking even after they feel more ...
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NVIDIA Data Centers’ Importance to Real-Time Check Processing

In what is very likely a bellwether for machine learning and AI, NVIDIA topped Wall Street estimates for both its fiscal 2021 second quarter and its forecast, with data-center sales topping its core gaming business for the first time. Jefferies analyst Mark Lipacis, who has a buy rating and hiked ...
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Imagine The Impact of Real-Time Check Deposits!

Check writers and depositors have become accustomed to a next day or two day check clearing process for the majority of items. But when an extended clearing process does happen, i.e. 2-3 days, it becomes a real inconvenience, especially for millennials accustomed to instant digital payments, or for those folks ...
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Helping Big Banks Overcome Cloud Paralysis

There can be no doubt that, while the move to the cloud and away from on-site processing, storage, and maintenance can be incredibly daunting and a stress-filled experience, the final result is well worth "climbing that mountain." Pymnts.com explores the various hurdles banks face when taking that big -- and ...
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Understanding AI: What is a Deep Learning Node?

Care to guess the #1 topic in the Top 8 New Technology Trends for 2020? If you guessed artificial intelligence, you are right on. And why not? Companies claim AI can do just about everything with the various underlying technologies and categories, so it's the hottest topic going. To the ...
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Nine Drivers of Mobile Deposit Growth

Ensenta/EPS has put together an excellent report exploring NINE DRIVERS OF MOBILE DEPOSIT GROWTH (You can download a copy HERE). They come out of the gate by noting that large financial institutions continue to invest in increasingly better mobile deposit user experiences for two reasons: Improving return on investment (ROI) ...
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Funds Availability: The Race is On

Modern bank consumers are more and more comfortable interacting with their accounts online, often from a portable device. It's never been easier to make deposits -- using an app on an always-handy phone -- and see the “funds available” right in an account, reassuring the user that the money is ...
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Applying AI for “Hyperpersonalized” Banking and Fraud Detection

Forbes magazine reports on a recent AI Today podcast wherein Casey Royer of USAA, a large US bank serving the military community, shared information on how the bank is adopting AI, how they’re using AI to broaden USAA banking offerings, make their operations more effective and efficient, and offer greater ...
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Remote Deposit Capture Spikes During Pandemic

RemoteDepositCapture.com had a hunch that the Covid-19 pandemic would lead to an increase in RDC deposits (Mobile Deposit, Desktop, ATM, etc.). So, in late February, they started polling the industry, asking the following question: For Financial Institutions: What has been the rate of growth or decline in your mobile deposit ...
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Applying Defect and Root Cause Analysis to Tuning Check Recognition with AI

OrboGraph will soon be launching a website refresh with the official market announcements around OrbNet AI and OrboAnywhere 4.0. Check recognition is a process which is not perfect, but the gap of unread items is closing. As technology approaches reading all legible items, it is important to look closely at ...
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PODCAST: Deluxe Navigates the New Payments Reality

How Preserving Check Workflows Can Ease B2B Payments DigitizationSource: PYMNTS Podcast A new podcast at PYMNTS.com features a conversation with Michael Reed, division president of payments at Deluxe. The podcast covers a wide range of timely payments topics, including: Checks still widely used with Reed reporting $7 trillion total transactional ...
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VIP Video Conference: Understanding the Impact of COVID‑19 on FinTech

Last month, FT Partners hosted a VIP Video Conference to review their new industry research report, Understanding the Impact of COVID-19 on FinTech, which is available HERE. They were joined by three leading FinTech CEOs and discussed their approaches to the COVID-19 era. Video Conference Panelists: Steve McLaughlin, Founder and ...
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Deluxe Shines a Light on AI in Banking

At our 2019 Healthcare and Check Payment Technology Conference in Charlotte this past May, we were fortunate enough to hear from Rod Springhetti, the VP Product Management at Deluxe Corporation, as he spoke about AI implementation. Mr. Springhetti is known across the industry as a leading authority on AI implementation, ...
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All-Tech Gen Z…Digs Tellers?

When contemplating Gen Z -- those people born between 1996-2015 -- many people assume they are another iteration of Millennials (early 1980s to early 2000s). That means they are a digital-obsessed generation with no interest in, for instance, visiting a bank teller. It turns out that's not the case. In ...
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Artificial Intelligence-as-a-Service (AIaaS) Market 2019-2023

Technavio, a leading global technology research and advisory company, has released a report indicating that the industry is poised to grow by USD 15.14 billion during 2019-2023, progressing at a CAGR of over 48% during the forecast period. Entitled Global Artificial Intelligence-as-a-Service (AIaaS) Market 2020-2024, a free sample of the ...
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It’s time for CHECK TRIVIA!

While the world adapts and deals with the COVID 19 crisis, we thought it would be a good idea to take some time to exercise our minds and share a check trivia quiz. This is not merely mental calisthenics, however. The first 10 entrants that can answer four or more ...
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Financial Services Leading in Hybrid Cloud Adoption

Nutanix presented an informative webinar exploring the findings in their new publication, the Nutanix Enterprise Cloud Index Report. Kevin Lash, Director of Global Financial Services Strategy and Solutions at Nutanix; and Callum Budd, Research consultant with Vanson Bourne, held forth on issues and trends encountered on the path to hybrid ...
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atm credit card transaction

Coronavirus Crisis: The Future of Cash, Checks, Credit Cards

The unprecedented worldwide coronavirus pandemic has created a new set of values for people around the world. Toilet paper is a precious commodity (in spite of a robust supply chain, it should be noted); it is possible to be productive working from home (a good internet connection is a lifeline ...
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Stimulus Package: Direct Deposit or Check?

Matt Rourke - AP Congress passed a $2 trillion stimulus bill -- the largest in United States history -- that promises to revive a coronavirus-stricken economy. These are payments that will be sent directly to Americans, with many adults getting $1,200. For every qualifying child age 16 or under, the ...
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Technologies & Market Forces Drive New Fraud Detection Approaches

OrboGraph's dynamic webinar entitled Change is Inevitable - How Will You Respond? -- co-hosted with NICE Actimize -- provided fresh insight into the nature of fraud. The webinar provides information and scenarios to show how fraudsters are becoming more sophisticated in their methods of committing fraud and how incorporating new ...
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JHA Delivers Accounts Receivable (A/R) Financing Innovation

An article at MarketWatch.com notes that "there are more than 30 million small businesses in the United States and the majority cite cash flow as the biggest challenge they face." With the Coronavirus, this is probably an understatement. Market leader Jack Henry & Associates, Inc., provider of technology solutions and ...
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U.S. Consumers’ Use of Personal Checks: Evidence from a Diary Survey

Modernizing Omnichannel Check Fraud Detection An informative blog series exploring payments fraud and image technologies used to fight financial crimes. U.S. Consumers’ Use of Personal Checks: Evidence from a Diary Survey Business and government still rely on checks to a greater degree than individuals While fraud is prevalent across all ...
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Nice Actimize & OrboGraph Webinar

Modernizing Omnichannel Check Fraud Detection An informative blog series exploring payments fraud and image technologies used to fight financial crimes. Nice Actimize & OrboGraph Webinar Integration of Machine Learning and Image Analysis is Vital Checks remain a ripe target for fraudsters So far, we're winning the battle It will require ...
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A Look at U.S. Personal Check Use

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 ...
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Need to Stop Payment? Advantage: CHECK

The array of digital payment vehicles available is dizzying -- Google Pay, Apple Pay, PayPal, Venmo -- the list is long. Still, checks remain popular. And, it turns out, a better payment instrument when it becomes necessary to stop payment due to error or suspected fraud! MoneyWise describes easy step-by-step ...
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Multi-Victim and Multi-Layered Fraud Challenges Banks

Modernizing Omnichannel Check Fraud Detection An informative blog series exploring payments fraud and image technologies used to fight financial crimes. Multi-Victim and Multi-Layered Fraud Challenges Banks Double-layer fraud: fraudsters who actually defrauded other recruits who thought they were "in on it" Both banks and accomplices alike were defrauded The FI's ...
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2019 ABA Fraud Survey Delivers Shock Value

Fraud attempts affected an estimated $25.1 billion held in deposit accounts, ABA’s survey found, with $22.3 billion protected per the Banking Exchange Prevention was the equivalent of $9 for every $10 in attempted fraud, per Dodd Frank Update Attempted check fraud spiked 43% in two years, per PYMNTS.com The American ...
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Accelerated Funds Availability… The New Normal?

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, ...
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Cash is Almost Dead, According to MIT

Source: MIT Technology Review Is cash becoming an endangered species? And, if so, is that good? Mike Orcutt, an associate editor at MIT Technology Review, has written what he calls an elegy for cash at the MIT Technology Review site, and includes some points to ponder regarding whether the demise ...
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check processing

Payments: Nine Things Corporate Treasurers Can Expect in 2020

PaymentsJournal.com took a look at the world of corporate payments and listed nine things corporate treasurers can expect in 2020. This includes: a categorical rise of real-time banking (No. 1) explosive new records for the volume of payments managed by corporate treasurers (No. 3)a warning that fear of fraud and ...
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The 2019 Federal Reserve Payments Study Illustrates Dynamics of Robust Economy with Payment Diversity

Federal Reserve System Graphic The Federal Reserve released the 2019 Federal Reserve Payments Study Executive Report on December 19, 2019. Based on 2018 compared to 2015, aggregate payment growth in "core noncash payments," including debit card, credit card, ACH, and checks, were up as a whole by 6.7% representing an ...
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check processing

Y2K: A Thing of the Past or History Repeating Itself?

In today's world, abbreviations are utilized on a daily basis. Simple contractions such as "don't", "couldn't", and "we'll" are all commonly used in the English language. In the banking world, abbreviations are most common in the date field, as many in society choose to abbreviate the year from 01/08/2020 to ...
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2020-2030: Payments In The Next Decade

We love this time of year! It's a week when everyone the payments industry can take a deep breath, celebrate successes, reflect, and then blog about the future. And now that 2020 is upon us, what better time to "look ahead" toward 2030! PYMNTS.com is one of the first publications ...
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A Look Back – and Looking Forward to 2020

And another year comes to a close! It's been our pleasure to share observations, insights, and solutions from across the industry via the OrboNation Blog. As 2019 comes to end, we have much to be thankful for. Most importantly, however, we're thankful for the clients and customers that are crucial ...
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Intelligent Automation & Cloud-Specific Services for FI’s

As part of a recent series of blog posts about Intelligent Automation, Adam Swinglehurst of Accenture offered the chart below to illustrate the necessary "overlap" as AI solutions develop and improve. Source: Accenture, March 2019 The role of intelligent automation is important to Chief Financial Officers (CFOs) across the globe. ...
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Don’t Keep Checks in Your Wallet!

Click the image above to get your own copy of this book! If you've seen the Leonardo DiCaprio movie Catch Me If You Can, then you know who Frank Abagnale is, and why he's a good guy to listen to when it comes to protecting yourself from fraudsters - - ...
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Media Coverage of Real Time Payments Can be Complicated

The FedNow Service, the Federal Reserve’s planned faster payments service, promises to have a positive impact on the speed with payments are processed. As the FED navigates their way toward a solution, The Clearing House continues to promote RTP (real-time payments). But the path to a world of real-time, integrated ...
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Financial Crime Alert: Couple Learns That Life Is Not a Monopoly Game

Just when you thought you heard it all when it comes to financial crimes, here comes ... accidental? A Pennsylvania couple thought they were tokens on a Monopoly board when they had $120,000 mistakenly deposited into their bank account. As far as they were concerned, they'd passed "GO" and picked ...
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estimated solution pricing from OrboGraph.

Review your needs with an OrboGraph expert.

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