EXHIBIT 23.2


                         CONSENT OF INDEPENDENT AUDITORS


         We consent to the incorporation by reference in this Registration 
Statement on Form S-8, including registration of shares for resale by means
of a Form S-3 prospectus, pertaining to the amended and restated Carreker 
Antinori, Inc. 1994 Long Term Incentive Plan and the Carreker Antinori, Inc. 
Director Stock Option Plan of our report dated March 18, 1998, except for 
Notes 1 and 11 as to which the date is May 14, 1998, with respect to the 
consolidated financial statements of Carreker-Antinori, Inc. included in the 
Form S-1 Registration Statement (Registration No. 333-48399) filed with the 
Securities and Exchange Commission.

                                       Ernst & Young LLP

                                       /s/ ERNST & YOUNG LLP

Dallas, Texas
September 14, 1998