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Maximising operational efficiency for remote deposit capture’s burgeoning growth

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  • Meara, Bob

Abstract

Remote deposit capture (RDC; also known as merchant capture or corporate capture) has seen unprecedented adoption along with astonishing evolution over a short period of time. In less than two years, well over 800 financial institutions have launched RDC solutions, including nearly two-thirds of the top-100 US banks. Yet, client deployment has been modest, not for lack of client demand, but as a result of conservative deployment postures. Indeed, current demand may well exceed banks’ collective willingness to deliver. With every indication that RDC will see eventual broad adoption, banks must prepare for vastly changing operational dynamics. After what for many banks was a hurried product launch, banks would do well to pause and consider the longer-term view of the remote deposit capture opportunity, and how best to leverage it. This paper presents a practical discussion on what banks can expect, and how they might best prepare for RDC’s burgeoning client adoption.

Suggested Citation

  • Meara, Bob, 2007. "Maximising operational efficiency for remote deposit capture’s burgeoning growth," Journal of Payments Strategy & Systems, Henry Stewart Publications, vol. 1(3), pages 206-218, April.
    • Handle: RePEc:aza:jpss00:y:2007:v:1:i:3:p:206-218
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    More about this item

    Keywords

    cheque; Check 21; remote deposit; distributed capture; client capture;
    All these keywords.

    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services
    • E5 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit

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