2025’s Top Insights: AI, Fraud, and Receivables Modernization

The Top 5 Most-Read Articles of the Year

2025 offered clear insight into what our audiences valued most: practical AI adoption, stronger fraud defenses, and modernizing legacy receivables workflows without disruption.

Key Themes of 2025 

Across these top-performing articles, several themes emerged, including responsible AI that augments human performance, lockbox modernization as a strategic differentiator, and the growing need to manage both check and digital payment channels with greater efficiency and control. Taken together, these articles reflect the priorities we focused on in 2025: simplifying payments, reducing risk, and delivering integrated receivables workflows that help our clients thrive. 

Below, we highlight the five articles that resonated most with readers this year, and why each one matters for the future of receivables. 

1. AI in Payments: Insights from CheckAlt COO Patrick Law 

In this widely read interview, Patrick Law explores the role of artificial intelligence in payments—not as a shortcut to layoffs, but as a force multiplier for human performance. He reflects on early experiments where simple “string-configuration” AI replaced repetitive tasks for an entire operations team, freeing them to focus on strategic, high-value work.  

At CheckAlt, that mindset drives a thoughtful, human-centered approach to AI: routine tasks get automated, while people remain at the center of client relationships, decision-making, and service quality. As Patrick puts it, “Let AI handle the routine, repetitive tasks so our teams (and our customers) can focus on what matters most—building stronger, more meaningful relationships with clients.”  

Patrick also previews how AI will further streamline documentation, product development, onboarding, and operational workflows through cloud-enabled intelligence. Readers gravitated to the message: the future of AI isn’t about reducing headcount—it’s about elevating people to do their best work. 

Explore the Insights 

2. From Risk to Realignment: How FIs Are Combating Check Fraud in Commercial Receivables  

Check fraud isn’t fading; it’s evolving. Mail theft, “washed” checks, duplicate items, and organized fraud rings are creating greater risk for banks and credit unions. 

Rather than waiting for check volumes to vanish, financial institutions must realign their receivables operations now. This could mean digitizing check processing, embracing SaaS-based receivables platforms, outsourcing lockbox operations, deploying API-powered tools, and streamlining reconciliation to reduce manual work and fraud exposure. 

In short, it’s not about abandoning checks overnight—it’s about managing them smarter, more securely, and with scale in mind. The institutions that act now will be best positioned to protect revenue, reduce losses, and serve commercial clients reliably. 

Read the Article  

3. Switching Lockbox Providers? A Treasury Leader’s Guide to Smooth Transitions 

As legacy lockbox providers consolidate or exit regional markets, many financial institutions are facing pressing vendor transitions. This article introduces a guide that delivers a 7-step framework to walk treasury and operations teams through that process without disruption, deposit delays, or client frustration. 

The guide emphasizes early vendor-risk detection, objective vendor evaluation, careful planning, and structured onboarding—all to maintain deposit flow and client confidence. It also presents the transition as an opportunity to rethink receivables holistically by consolidating lockbox, remote deposit capture (RDC), and digital payments into a unified, modern receivables experience.  

Ultimately, institutions that change lockbox providers don't have to engage in a reactive scramble. With the right playbook, a new lockbox provider can be a strategic step toward long-term stability, efficiency, and growth. 

Get the Guide 

4. Unlocking AI at CheckAlt: How Genie Is Transforming Operations and Client Support 

In this piece, the spotlight is on Genie, CheckAlt’s AI-powered assistant introduced in early 2025. Unlike many AI rollouts, Genie isn’t aimed at replacing jobs but at removing friction: giving users 24/7 self-service access to documentation, training videos, release notes, and common support queries, all instantly searchable and backed by subject-matter experts.  

The article explains how Genie streamlines onboarding, accelerates support response times, and improves overall user experience. It’s less about flashy AI features and more about smart, embedded intelligence that helps clients help themselves.  

With this shift, CheckAlt underscores its commitment to using AI thoughtfully: to scale support, eliminate friction, and deliver consistent client experiences. 

Learn About Genie 

5. How an Association Banking Partner Enhanced Treasury Management with a Comprehensive Lockbox Solution 

Rounding out the list is a standout case study featuring a leading association banking partner serving thousands of HOAs and community associations. Facing rising check volumes, escalating manual work, and increasing pressure to deliver predictable, timely receivables, the institution turned to CheckAlt for a modern, scalable lockbox strategy. 

The article highlights how our nationwide lockbox network, standardized workflows, advanced remittance processing, and real-time reporting dramatically improved treasury operations. By eliminating manual posting, reducing exceptions, and stabilizing deposit timing across property management companies, the bank enhanced both efficiency and client satisfaction. 

Most importantly, this case study shows how modern lockbox automation can be a competitive differentiator in association banking, helping institutions support rapid growth while delivering a frictionless receivables experience.  

Read the Case Study  

Looking Ahead to 2026 

As we reflect on 2025, one thing is clear: our most-read content wasn’t about hype—it was about helping financial institutions navigate real challenges.  

Our readers gravitated to content that provided clarity, guidance, and tangible next steps. Equally important is that they valued modern, pragmatic solutions, not just trends. By combining AI, automation, and thoughtful operations design, we helped institutions modernize payment workflows while maintaining control, visibility, and compliance. 

Looking ahead to 2026, we’re more excited than ever. With Genie progressing toward broader roll-out, continued demand for stronger risk controls across receivables, and growing interest in smarter payment workflows (for both digital and paper), CheckAlt is well positioned to lead the next wave of receivables modernization. Our focus remains the same: empower clients, simplify complexity, and deliver value without disruption. 

If you’re a treasury leader, payments professional, or commercial banking executive, now is the time to partner with CheckAlt. The future of receivables is here, and we’re ready to help you own it. 

Get in touch with us today and discover how we can help you modernize receivables. While you’re at it, be sure to follow us on LinkedIn and subscribe to CheckAlt Connect, our monthly email newsletter, to keep on top of the latest in payments.