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)

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

Zelle: A Bumpy Ride Toward Ubiquity?

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 what some of the bankers involved have to say about it all.

  • Fraud is an issue, but not an enormous one. News reports in recent months have focused on fraud aimed at Zelle users and raised questions about whether banks are doing enough to protect them.
  • Zelle transactions are larger than you’d think. In 2017, FirstBank handled 1 million Zelle transactions that totaled $338 million, making the average transaction $338.  The article points out very interesting uses.
  • The business case for P-to-P is: You have to do it. Reuter pointed out that Venmo handles $35 billion in payments a year.  And it’s impressive…see image for comparison.
  • Zelle is faster than Venmo. This is well known and the reason for the name Zelle, which is short for gazelle. Zelle payments are push credits, like wire transfers. They go into a bank account, and the money can be used immediately through a debit card, a check or getting cash at an ATM or branch. The Zelle network rules require call for immediate memo debiting and memo crediting of transactions.
  • Deploying Zelle has its complications. FirstBank had a relatively easy time implementing Zelle because it does most of its information technology in house. It built its own core system and mobile and online apps, so there was no need to wait for a vendor to help. Other large banks have many systems to integrate.
  • There can be challenges in the enrollment process. Customers use an email address or cell number as their token, and they can only use one of those with one bank.

The story goes on to note that banks adopting Zelle are having to optimize their fraud and security measures above and beyond that of their check processing security. “I know of one bank that was experiencing a 90% fraud rate on Zelle transactions, which is insane,” a PwC partner, Genevieve Gimbert, told The New York Times in a recent story. While that claim turned out to be greatly inflated, fraud does indeed occur.

In one example in the Times article, a user tried to buy tickets to a Justin Timberlake concert from someone on Craigslist who took the Zelle payment but never sent any tickets.  Of course this isn’t Zelle’s fault…

We will not judge the performance choice (haven’t been following Justin Timberlake), but we will underline the fact that new payment platforms, trendy or not, still have a break-in period.





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.