Resources

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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May 20-21, 2019
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Industry Videos

News and trends for the banking and healthcare industries

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OrboGraph’s thought leadership and original research

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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

Has Technology Stripped Our Banks of Human Values?

ATMRecently we looked at whether or not the bank teller and associated “human touch” was disappearing from the banking experience (Verdict: happily, bank tellers are not yet “endangered species.”) In this interesting take from India, the writer, a sociologist, wonders whether the very same tech that makes transactions quick and easy – – mobile apps, card chips, etc. – – is making the banking experience more and more daunting for less educated consumers. He argues that banks in India are now less human.

The fading human face and highly personalized treatment of customers as as consequence of technology is the real worry. Banking staff throughout the country needs to be sensitized enough to deal with illiterates, semi-literates and elderly, to sustain a judicious balance of the human face of banking as a business and socio-economic institution in a country that is still struggling with poverty, illiteracy, ignorance, helplessness, lack of technological know-how, lack of access to internet, etc.

India is a long way from, say, Wyoming or Alabama, but the fact remains that financial institutions will need to serve persons who are not up on the latest tech with the same level of attention they give highly educated, chip-enabled millennials. Though the United States is socio-economically much different from India, the problem persists here as well.

Foot traffic is somewhat down in bank branches. As a result, banks are adapting.  For example, Fleetwood Bank in Pennsylvania is deploying “a new breed of employee known as the universal banker.” In a way, Fleetwood Bank works to preserve the “human values” we see eulogized above.

“It’s exciting,” said Theresa Woznicki, a seven-year teller turned universal banker who normally works at the Shoemakersville branch. “It’s a whole new flow. It’s our job to make customers more comfortable with the process. It’s nice. It has a personal touch to it. You are able to walk them right in, take them to where they need to go, whether to a pod to cash a check or to an office to start an account or do a loan application.”

Treating the customer like a guest is a trend not isolated to Fleetwood Bank.

  • Capitol One, the McLean, Va.-based banking giant, has opened Capital One Cafes in Boston; Chicago; Denver; Los Angeles; Philadelphia; Richmond, Va.; San Francisco; south Florida; St. Cloud, Minn.; and, soon, Seattle. Boston-based Santander Bank has created mobile apps to appeal to its millennial customers, extending its business hours on weekdays and Saturdays and modernizing the interiors of some of its banks to include an open layout and a more casual feel.
  • Bank of America has revamped many of its branches to include lounge areas with couches and chairs.
  • Chase also has a greeter, which helps clients optimize their branch visit.

OrboGraph is helping this process by providing a common client experience across the omnichannel of banking deposit channels. How? By recognizing, analyzing, validating, and preventing check fraud the same way via teller deposits as in RDC or ATMs, etc.  See white paper for more details.

So, dare we say the key is balance? Make the best tech available – – there is, after all, a growing market of persons who wouldn’t dream of transacting banking business in an actual bank – – but maintain and improve customer service amenities that keep us… human.

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