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RDC Insider

Written by experts, the RDC Insider is your exclusive resource for informative articles, presentations and insights on the Remote Deposit Capture industry as no other publication can provide. Our experience is your advantage.

 

Latest News

  • Mobile RDC is not Just for Consumers

    RDC adoption has been on a roll. Nearly all financial institutions in the country now use RDC for branch capture, nearly all deposit-taking ATMs are equipped with check image capture devices, and about half of all banks and credit unions now offer RDC to commercial customers. (RemoteDepositCapture.com, 04/20/2015)

  • Scanner Manufacturers Expand Lines to Meet Evolving Needs

    As remote deposit capture services continue to develop and adoption expands, hardware manufacturers look to enhance the value prop delivered to financial institutions and their customers. (RemoteDepositCapture.com, 04/02/2015)

  • Fed Reports Soaring Adoption of Mobile RDC, Other Mobile Banking Services

    Mobile banking is no longer a one-off product, as evidenced by a new report from the Federal Reserve Board. The report shows mobile remote deposit capture adoption is progressing at a rapid clip. (RemoteDepositCapture.com, 03/27/2015)

  • Federal Reserve Not Troubled by Duplicate Deposits; Advances Online, Real-Time Roadmap

    The risk that someone who deposits a check using remote deposit capture might deposit the check again (deliberately or by accident) or cash the check at a local check cashing store is real, but it’s not a show stopper. That’s the word from the Federal Reserve. (RemoteDepositCapture.com, 03/19/2015)

  • Success with Digital Channels Driving Changes in Branch Strategies

    The cost of accepting consumer mobile deposits at JPMorgan Chase is 3-cents; each deposit accepted at a teller window costs the bank 65-cents. So, in a cost-cutting move Chase plans to shutter 5% of its branch locations and ramp up its digital footprint. Despite branch closings, analysts agree face-to-face engagement remains important. (RemoteDepositCapture.com, 03/04/2015)

  • Many Roads Lead to Success with Commercial mRDC

    “Commercial mobile RDC is not a one-size-fits-all type of product,” Harry Rose, Vice President at RDM Corporation, said in kicking off the latest RemoteDepositCapture.com webinar – Expanding your Corporate Footprint through Mobile Remote Deposit Capture. (RemoteDepositCapture.com, 03/03/2015)

  • 2014 Year in Review and 2015 Outlook of the RDC Industry

    Join us as we take a look back at 2014 and predict what 2015 will bring. This special report highlights industry trends and the views of visionaries, experts and pioneers in the RDC space. From mobile RDC to lockbox, to risk, fraud and compliance, to millennials and corporate adoption – we’ve got it covered in this special report. (RemoteDepositCapture.com, 02/27/2015)

  • Revving the Mobile Banking Engine with Mobile Capture

    Mobile banking is on a tear, driven by apps like mobile check deposit and better integration with Apple smart devices. (RemoteDepositCapture.com, 02/26/2015)

  • “Consumerization” Boosts Commercial Mobile Remote Deposit Capture

    While mobile remote deposit capture has been hugely popular with consumers, commercial applications have been limited. That’s starting to change with the “consumerization” of mobile deposit. Mitek aims to respond with a new commercial mobile RDC offering. (RemoteDepositCapture.com, 02/20/2015)

  • Mobile RDC to be Part of $7 Billion Market by 2017

    Mitek CEO James DeBello predicts 50% of U.S. financial institutions will roll out mobile deposit offerings for business customers this year. He also expects additional consumer applications that leverage mobile imaging to make major inroads in what could be a $7 billion market by 2017. (RemoteDepositCapture.com, 02/04/2015)

  • Money Laundering is More than a Cash Business

    One recent example involves a credit union with $4 million in assets, charged with money laundering activities that included billions of dollars in checks remotely deposited from countries in Central America and the Middle East – countries the federal government deems high-risk for money laundering. (RemoteDepositCapture.com, 01/12/2015)

  • Group Urges More Uniformity in mRDC Disclosures

    The Pew Charitable wants to see more uniformity in how mobile RDC is marketed to consumers and urged financial institutions and prepaid card companies that offer mobile check deposits to do a better job of disclosing terms and conditions of those services. (RemoteDepositCapture.com, 12/30/2014)

  • Get Smarter About Setting Deposit Limits for Remote Deposit Capture Customers

    Duplicate deposits need not be a problem, with the right tools and a rational approach to setting customer deposit limits. This was a key take away from “Mobile Deposit Risk Tools Tutorial,” a Technology Showcase presented by Mitek at the RDC Summit 2014. (RemoteDepositCapture.com, 12/19/2014)

  • The World is Watching; Many Hope to Emulate U.S. Successes with Remote Deposit Capture

    The check payment system in the United States has been totally re-engineered over the past 10 years, thanks in large part to the Check 21 Act. It’s an amazing accomplishment, and one that is being replicated in other countries. (RemoteDepositCapture.com, 12/17/2014)

  • Catching On-Us Check Fraud in Real Time

    If there was one salient message to come out of the RDC Summit 2014 it was that FIs and their technology providers are serious about controlling check fraud. During a series of Technology Showcases, several fraud solutions were described and demonstrated. Solutions like FraudOne a real-time verification tool from SOFTPRO N.A. – A Kofax Company. (RemoteDepositCapture.com, 12/15/2014)

  • Fully Electronic Checks: A Means to Better and Faster Payments

    The road to a better and faster payments system does not require us to recreate the wheel. Instead, we could optimize a proven and ubiquitous system used today. (RemoteDepositCapture.com, 12/12/2014)

  • Narrowing the Gap Between Interest and Use of Remote Deposit Capture in Small Business Markets

    Small businesses represent some of the greatest potential for financial institutions to grow their RDC businesses. Not all small businesses are the same, however. Neither are their RDC requirements. (RemoteDepositCapture.com, 12/10/2014)

  • AAA Gives High Marks to Automated Remittance Processing

    When the AAA division serving North and South Carolina decided to bring member payment processing in house, after years of outsourcing, it was able to cut rather than grow staff assigned to payment processing. AAA Carolinas discussed the feat, along with its solution partner, Infoscore, during a Technology Showcase at the RDC Summit 2014. (RemoteDepositCapture.com, 12/08/2014)

  • Modified Data Sharing Wins Over Banks

    Data sharing is one way to combat duplicate deposits of checks. But it took banks and credit union time to warm up to the idea. (RemoteDepositCapture.com, 12/05/2014)

  • Navigating the Legal Grey Area That is Remote Deposit Capture

    There may not yet be a “body of case law” on remote deposit capture. But there are lessons that can be taken from legal disputes involving automated deposits, such as what constitutes reasonable commercial standards. (RemoteDepositCapture.com, 12/03/2014)

  • Risk Management Plans Should Be Realistic, Comprehensive & Heeded

    The saying “The best way to learn is from others’ mistakes” is perhaps nowhere more apt than in financial risk management, audit and compliance. With that in mind, Payments Space Advisors offered some revealing insights from problems uncovered in RDC compliance and audit reviews during a session at the RDC Summit 2014. (RemoteDepositCapture.com, 12/01/2014)

  • Multi-Layered Enterprise Risk Management is the New Normal

    A multi-layered, enterprise approach to risk management is more than just a good idea. It has become a prerequisite for regulatory compliance at financial institutions large and small. Last week, executives from Iberia Bank in LA and SouthPoint Bank in AL discussed the implications of this for their remote deposit capture product offerings. (RemoteDepositCapture.com, 11/25/2014)

  • Risk Management Solutions Advancing Remote Deposit Capture

    Knowledge is power, so long as it’s not static. That’s why KYC needs to be an upfront and ongoing process. Ditto for risk management. RemoteDepositCapture.com discussed these needs along with some products and technologies that can help FIs to better manage remote deposit capture risks. (RemoteDepositCapture.com, 11/21/2014)

  • More Data Sharing, Improved Integration, Needed to Better Manage Risk & Customer Service

    Most financial institutions developed RDC services for different market segments without much interaction across institutional silos. The result? Fragmented RDC systems that often can’t share critical information across the organization. VSoft Corporation addressed this dilemma during a Technology Showcase at the RDC Summit 2014. (RemoteDepositCapture.com, 11/19/2014)

  • Coming Soon to a Small Business Near You: Mobile Remote Deposit Capture

    For small businesses, the simplicity of mobile- and tablet-based RDC beats the cost and complexity of scanners, leading to an anticipated surge in adoption. (RemoteDepositCapture.com, 11/13/2014)

  • Same-Day Fraud Detection Takes Shape

    Cachet Financial Solutions is working to help financial institutions separate fraud detection from end-of-the-day core processing routines, bringing risk mitigation to the fore. (RemoteDepositCapture.com, 11/12/2014)

  • Many Roads to Managing Remote Deposit Capture Risk

    Techniques for managing RDC risk are proliferating and becoming more integrated with enterprise-wide systems. That trend was discussed, along with other steps for improving RDC risks, at the RDC Summit 2014 during an in-depth session titled “RDC Risk Management in 2014.” (RemoteDepositCapture.com, 11/10/2014)

  • Deluxe Aims for Deeper FI Relationships with WAUSAU Acquisition

    Deluxe Corporation, a company steeped in the world of paper checks, announced last week its purchase of WAUSAU Financial Systems, which specializes in check and remittance processing solutions. The move is expected to help Deluxe offset the impact of declining check volumes and enable WAUSAU to build out its product sets. (RemoteDepositCapture.com, 11/07/2014)

  • In Mobile RDC Risk, Familiarity Breeds Assurance

    The first-ever survey of mobile RDC risk perceptions shows a surprising connection between fraud loss and increased comfort levels with risk. Results of the 2014 Mobile Remote Deposit Capture Risk Study, conducted by RemoteDepositCapture.com, were revealed last month at the RDC Summit 2014. (RemoteDepositCapture.com, 11/06/2014)

  • Mitek Enhancement Helps Banks & Credit Unions ID Duplicate Deposits

    The potential for duplicate deposits has spawned a lot of dialogue, even though duplicates have yet to emerge as a deal breaker for RDC, mobile RDC in particular. This week, Mitek announced the addition of a new restrictive endorsement validation feature to its mobile imaging solution, further allaying concerns about the risk of duplicate deposits. (RemoteDepositCapture.com, 11/05/2014)

  • Taking Remote Deposit Capture to the Next Level with Data and Analytics

    While remote deposit capture poses risks, not all risks are created equal. So it follows that risk assessment and abatement programs will vary by institution, customer segments and other factors. That was a key message at an RDC Summit 2014 session titled “Data and Analytics: Taking RDC to the Next Level.” (RemoteDepositCapture.com, 10/31/2014)

  • Setting the Stage for Branch of the Future with Remote Deposit Capture

    What does the branch of the future have in common with Apple Stores? Potentially quite a lot. Moreover, remote deposit capture could play a crucial role in the transformation of branches to “feel” like Apple Stores, according to a vision presented at the RDC Summit 2014 by electronic banking pioneer David Peterson. (RemoteDepositCapture.com, 10/29/2014)

  • Mobile Remote Deposit Capture Offers Options, Fixes for Businesses

    The flexibility of mobile RDC is turning banks into problem-solvers for their business clients instead of product-pushers. (RemoteDepositCapture.com, 10/27/2014)

  • Engage & Incentivize to Drive Greater Adoption of Remote Deposit Capture

    Get aggressive about selling RDC. Marketing, training and re-pricing are a few of the strategies that can be leveraged to success, experts explained during an RDC Summit 2014 session titled Success in Marketing & Selling RDC. (RemoteDepositCapture.com, 10/23/2014)

  • Mobile Remote Deposit Capture Gets Ongoing Touch Ups at SunTrust

    Two years into its mobile RDC rollout, SunTrust has made addressing customer concerns and complaints a key aspect of its operating model. (RemoteDepositCapture.com, 10/22/2014)

  • Remote Deposit Capture Poised for Growth on Multiple Fronts

    The future looks bright for RDC with advancements on multiple technology fronts driving new and improved applications. (RemoteDepositCapture.com, 10/20/2014)

  • Seeking Lessons in Successful Remote Deposit Capture Rollouts

    Two large banks achieved their goals and then some when they rolled out RDC. But that doesn’t mean they don’t have a few small regrets about the process. (RemoteDepositCapture.com, 10/16/2014)

  • Remote Capture is Not Just for Checks

    Who says remote capture is just for checks? At the RDC Summit there was plenty of discussion about potential new uses for remote capture technologies. Mobile payments, for example. (RemoteDepositCapture.com, 10/15/2014)

  • ECCHO Offers Guidance on Dealing with Duplicates – at the RDC Summit 2014

    ECCHO helped open the RDC Summit 2014 last week with some insightful direction for financial institutions on dealing with issues related to duplicate check presentments. (RemoteDepositCapture.com, 10/07/2014)

  • Federal Reserve Readying Roadmap for Improving Payments

    The Federal Reserve presented its vision for the future of payments to a somewhat skeptical audience at the RDC Summit 2014. (RemoteDepositCapture.com, 10/03/2014)

  • Remote Capture Breathes New Life into Lockbox Services

    Reports of the death of checks and by extension corporate lockbox services are greatly exaggerated. After all, 7 out of 10 U.S. companies still issue checks to pay vendor invoices. (RemoteDepositCapture.com, 09/23/2014)

  • New Survey Shows Mobile Deposit Continues to Gain Traction

    The American Bankers Association has just published results of a survey illustrating the migration of consumer deposit activities to the mobile channel. While only about 13% of Americans are using mobile deposit today, those who do tend to be “regulars.” (RemoteDepositCapture.com, 09/18/2014)

  • Smartphones as Financial Tools: It’s More than Just a Deposit Thing

    Smartphones are revolutionizing the way Americans conduct their financial lives. The trend may have begun with using the devices for mobile remote deposit, but a range of other financial applications are now leveraging mobile and remote capture technologies to automate and improve customer service. (RemoteDepositCapture.com, 09/05/2014)

  • Remote Deposit Capture is Taking Mobile Banking to a Tipping Point

    Financial institutions are upping the ante, and consumers are responding by moving more of their financial activities to mobile and online channels. (RemoteDepositCapture.com, 08/21/2014)

  • The Numbers are in: Checks Remain Big

    The Federal Reserve is done crunching numbers for the 2013 Federal Reserve Payment Study. Two key findings are that checks get written for far larger amounts than credit cards get used for, and checks are far less prone to third-party frauds than other non-cash payments. (RemoteDepositCapture.com, 08/07/2014)

  • Fed Dashes Hopes for End-to-End Electronic Checks

    Efforts to promote adoption of a new, fully electronic check payment have been dealt a blow with the July 15th announcement that the Federal Reserve is not interested in pursuing efforts to promote electronically created items (ECIs),aka EPOs. (RemoteDepositCapture.com, 08/05/2014)

  • UK Clears Way for Image Exchange, Mobile Deposits

    The U.K. – having failed at attempts to eliminate checks from its payment system – is now setting out to modernize the check system with check imaging legislation. Mobile deposit is expected to follow. (RemoteDepositCapture.com, 07/09/2014)

  • Is Mobile RDC Risky Business?

    Two recent webinars focus on mobile remote deposit capture risk perceptions and experiences. Most financial institutions offering mRDC say the rewards far outweigh the risks. The secret to success is in the data and new and emerging tools that can help financial institutions better know their customers. (RemoteDepositCapture.com, 07/03/2014)

  • Mobile Remote Deposit Capture Offers Gateway to Branch Transformation

    With rapid and ongoing adoption of RDC, especially mobile RDC, there are fewer reasons than ever for customers to visit banks’ and credit unions’ brick and mortar outlets. One way for FIs to respond to this trend is to transform branch offices into engagement centers. Mobile RDC can lead the way. (RemoteDepositCapture.com, 07/01/2014)

  • Will EMV Card Security Trigger More Check Frauds?

    EMV may be the next big step in combatting credit and debit card fraud. But suggestions that widespread implementation of EMV in the U.S. will give rise to more check frauds ignore advances in technologies and processes that have transformed the way banks handle checks, especially suspicious items. (RemoteDepositCapture.com, 06/25/2014)


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