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                                                                    EXHIBIT 23.2


CONSENT OF INDEPENDENT AUDITORS


As independent public accountants, we hereby consent to the incorporation by
reference of our report dated April 19, 2001 pertaining to the consolidated
financial statements of Check Solutions Company (the "Company," a New York
general partnership) for the three months ended March 31, 2001 and for the
years ended December 31, 2000 and 1999, which has been previously included in
the Form 8-K filed by Carreker Corporation ("Carreker") with the Securities
and Exchange Commission on April 18, 2002, in this Registration Statement on
Form S-3 of Carreker with the Securities and Exchange Commission on April 19,
2002. It should be noted that we have not audited any financial statements of
the Company subsequent to March 31, 2001  or performed any audit procedures
subsequent to the date of our report.

/s/ ARTHUR ANDERSEN, LLP


Memphis, Tennessee
April 19, 2002