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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

  • Are Checks Getting a Bum Rap?

    Federal Reserve efforts to move the U.S. toward ubiquitous near-real-time payments discount the ubiquity and near-real-time settlement capabilities of checks where RDC and electronic clearing are the norm. They also seem to ignore the Fed’s own operational shortcomings, such as the lack of 24/7 access to Reserve Bank clearing facilities. (, 06/05/2014)

  • Mobile Banking Goes Mainstream, Driven by Remote Deposit Capture

    Mobile is the new normal in banking, and remote capture functionality is a driving force. Consumer awareness is high and continued increase in mobile deposits is expected. (, 05/29/2014)

  • NACHA Looks to Make ACH More Competitive, but Does it Matter?

    NACHA wants to update the ACH by transitioning to same-day settlement. But the plan may prove too little too late. After all, it is already possible with remote capture and electronic presentment to settle checks on a same-day basis. Plus, checks have a proven track record with businesses and readily integrate with existing accounting systems. (, 05/28/2014)

  • Dispelling Risk Perceptions, Mobile Remote Deposit Capture Delivers Results

    Mobile RDC has become integral to the deposit relationship at banks and credit unions. First-ever study shows broad based adoption; risk management improvement opportunities. (, 05/21/2014)

  • Remote Deposit Capture, Especially Mobile, Crucial to Small Business Banking Strategies

    For financial institutions looking to attract small business customers, mobile functionality like RDC is more than just a market differentiator; it is becoming the price of admission to this burgeoning market. (, 04/30/2014)

  • Arming Financial Institutions with Better Data Analytics to Combat Fraud

    Fraud is an ever-present threat to financial institutions and their customers. Perhaps nowhere is this more apparent than in payments. Now we are beginning to witness how predictive analytics can help banks and credit unions foil payment frauds. (, 04/15/2014)

  • Checks are a Safer Alternative for Consumers and Banks

    There have been rumblings in the media over the likelihood of consumers being vulnerable to possible check frauds as more Americans adopt mobile deposit services. The reality, however, is that check frauds are less a problem now than before the introduction of RDC options. (, 04/04/2014)

  • Can This Be Bank of America's New Revenue Driver?

    This article written by Matthew Frankel and published by The Motley Fool highlights an increase in the usage of mobile banking services, including mobile deposit and what may become a growing trend: banks capitalizing on mobile deposit services via cost savings and increased revenue. (The Motley Fool , 03/31/2014)

  • Slowing the Patent Trolls

    This op-ed, written by Robin Feldman a law professor and, published by The New York Times highlights the broad and lax standards applied to the software patent system thus resulting in the practice of “patent trolling”. This article should be of importance to the overall RDC industry. (The New York Times, 03/28/2014)

  • Need for Better Integration, Fraud Controls Driving Next-Gen Remote Deposit Capture Solutions

    One credit union’s selection process for next-gen RDC solution points to value of better channel integration and enhanced fraud controls. (, 03/12/2014)

  • New Twist in Mobile Banking: Turning iPhones into Checkbooks

    New mobile payment channel pairs universality of checks with ubiquity of mobiles. It’s a small business play that also leverages RDC. (, 03/10/2014)

  • Dissecting the Fed’s Reg CC Proposal

    The Federal Reserve is proposing to amend certain check processing rules contained in Regulation CC, and it wants to add new warranties and indemnities related to RDC to the regulation. ECCHO presentation delves into details. (, 03/05/2014)

  • Special Report: Remote Deposit Capture – A Decade in the Making

    This special report features the top 10 most popular articles from 2013 as well as featured articles covering the most important topics for the RDC Industry of today and tomorrow. (, 03/03/2014)

  • Some Consumers Still Wary of Mobile Check Deposit Technology

    This article published by Credit Unions Online, begins with the story of a cautious approach to mobile RDC as some still prefer making deposits at the bank. However, this trend is fading according to a recent study. The article also focuses on the aspects of mobile deposit security and smart internet practices within the control of the consumer. (Credit Unions Online, 02/24/2014)

  • Major Changes in Store for Reg CC

    When Regulation CC was first written, in the late 1980s, check clearing was a paper-intensive enterprise. Now that check clearing is practically paperless, and even check deposits are going paperless, the Federal Reserve says the time has come to update the regulation with new collection and return rules. (, 01/22/2014)

  • Mobile Devices Capture the Lion’s Share of Consumer Remote Deposit Capture Users

    This article, written by Jim Daly and published by Digital Transactions, reports on Celent findings including the growth of consumer use of mobile RDC, an increase in losses and the importance of risk management beyond duplicates. (Digital Transactions, 01/15/2014)

  • A First Read on Fed’s 2013 Payments Study: Cards Dominate, but Checks & ACH are a Safe Bet.

    While checks and ACH now account for only 33% of transaction volume, they still account for 94% of transaction value (over $74 Trillion) and are less vulnerable to frauds than cards. (, 12/20/2013)

  • Repackaging Remote Deposit Capture

    This article, published by BankNews, highlights the importance of recognizing the demands of different vertical markets when offering Remote Deposit Capture solutions to each. (BankNews, 12/19/2013)

  • The New, Digital World of Payments via RDC

    This article, published by BankNews, provides a framework for choosing payment and remittance processing technologies that not only streamline the payment but also provide a positive experience to the user. FIs can leverage their Remote Deposit Capture technologies and infrastructure to provide additional payment services. (BankNews, 12/19/2013)

  • Toward a Better Understanding of the FFIEC’s Risk Guidance on Remote Deposit Capture

    Risk management, like risk, can take many forms. That’s one reason why federal regulators have taken a broad brushed approach in their official guidance to financial institutions on RDC risk. Get insights from a recent webinar. (, 12/17/2013)

  • Remote Deposit Capture Creates New Product and Service Opportunities

    Checks trump other forms of payment in one important respect: information. Adding remote image presentment and mobile technologies to the mix makes real-time check validation and guarantee - possible. Best of all, consumers have shown a willingness to pay for faster access to their check deposits. (, 11/14/2013)

  • Addressing Fraud with Cross–Channel Solutions

    Small businesses are adopting mobile banking and deposit capture at a rapid clip. That’s great news for banks that have identified small business as a customer segment to pursue, and a headache for risk managers. But it doesn’t have to be that way. (, 11/12/2013)

  • An Enterprise Approach to Remote Deposit Capture Risk Management

    Regions Bank is in the final stages of implementing an automated risk management utility that harnesses information from across the enterprise to effectively “re-qualify” commercial customers for RDC products on a daily basis. It’s like KYC on steroid. (, 11/11/2013)

  • Checks are Here to Stay

    Reports of the death of checks have been greatly exaggerated. In fact, image check exchange and RDC practically guarantee that check payments will dominate the payments scene for generations to come. The paper may disappear, but the payment method won’t. (, 11/06/2013)

  • Next Generation Remote Deposit Capture to Support Streamlining Channels

    Financial institutions have been trying break down the silos that separate customer channels for decades. Now it’s becoming clear that the same strategy needs to be applied to remote deposit capture. (, 11/05/2013)

  • Don’t Fret – Consumers Will Pay for Convenience

    If you can’t be the first to market with a new electronic banking option, uniqueness can be a winning strategy. That’s the approach Regions Bank took. In addition to mobile deposit for DDA customers, the Birmingham, AL-based bank offers a mobile deposit service for consumers who don’t have DDAs at Regions. (, 11/04/2013)

  • Integrating with Broader Solutions Opens New Verticals for Remote Deposit Capture

    Financial institutions have long held that remote deposit capture offers value by converting paper checks to digital images that can be handled more cheaply and efficiently. But that’s a narrow view that isn’t apt to cut it in the future. (, 10/31/2013)

  • Mobile Cost Savings Examined

    This article written by Robert McGarvey and published by the Credit Union Times depicts the journey of four credit unions – each offering mRDC. Although it may be too early to appreciate all the cost savings of mRDC, these savings are gaining traction as mobile usage continues to increase, branch deposits decline, and CUs close branches. (Credit Union Times, 10/30/2013)

  • Retail Bank Branch Transformation Sparked by Remote Deposit Capture

    Remote deposit capture played a central role in a series of technology and design changes that have transformed this Texas bank’s retail arm. (, 10/29/2013)

  • Mobile Remote Deposit Capture: Not Just a Cost-Cutting Move; Think Revenues

    Online newspaper subscriptions, airline baggage handling, cable TV, smartphone apps and now RDC all have one common challenge: fostering consumer acceptance of service changes that at first blush seem to benefit the service provider over the customer. Marketing Strategist Jim Marous addressed this quandary during an RDC Summit 2013 presentation. (, 10/28/2013)

  • Duplicates, Other Fraud Concerns Pave Way for More Data Sharing

    During a Technology Showcase session at the RDC Summit 2013 last month, executives from CONIX Systems, Inc. made a powerful case for a full enterprise approach to duplicate detections in tandem with fraud detection. And they made a pitch for greater inter-bank sharing of check data in the fight against fraud. (, 10/24/2013)

  • Charity Closes In on Frictionless Donations Thanks to Remote Deposit Capture

    A new app featuring mobile RDC is spurring donations to a major charity, while reducing check-processing costs. In describing the experience during the RDC Summit 2013, Claude Edkins, a VP with the Leukemia and Lymphoma Society, said planned enhancements should bring an even bigger lift to the charity’s bottom line. (, 10/23/2013)

  • Successful RDC Requires a Thoughtful Approach to Risk and Reward

    Bank of America VP Andrea Connell shared best practices, sparked dialogue and engaged attendees at the RDC Summit 2013. Her stimulating and open discussion earned a 4.7 of of 5 (5 = excellent) rating from attendees! (, 10/22/2013)

  • Analytics are Critical to the Future of RDC

    Dealing with the rising tsunami of data collected through RDC will mean changing how data gets evaluated and how it is valued. Analytics is crucially important. So is timing. (, 10/17/2013)

  • Don’t Break the Bank Selling Remote Deposit Capture

    With fewer than 1 in 10 U.S. households currently using RDC, the market potential is huge. Yet FIs often feel hamstrung by the lack of resources to craft and sustain RDC sales and marketing campaigns. Campaigns need not be expensive, to be successful. Customer segmentation, social media, in-branch demos and free trials are some of the options. (, 10/16/2013)

  • New Market for Mobile Remote Deposit Capture Catches On

    Consumers using prepaid cards are not necessarily poor; many just prefer the cards to DDAs. Until recently, however, prepaid cards have lacked one key function: a mechanism for loading funds from checks onto the cards. That’s where mobile RDC comes in. Gary Brand, of Fiserv, discussed the trend during a Technology Showcase at the RDC Summit 2013. (10/15/2013)

  • U.S. Bank Blazes Trails with mRDC

    Today, nearly every large FI offers basic scanner-based RDC to business customers. Far fewer have ventured into mobile-based RDC for commercial accounts. U.S. Bank is one. (, 10/10/2013)

  • RDC Helps Make Small Businesses a Big Business for this Texas Bank

    When it comes to RDC, small business is big business, especially when mobile is added to the mix. At the RDC Summit 2013, David Rathke of Frost Bank described how Frost is positioning to move half of its check deposits from branch to self-service channels, like RDC and image-enabled ATMs. (, 10/09/2013)

  • RDC Gets High Grades From Big Ten School

    Indiana University has achieved significant successes with RDC – like an almost immediate payoff on its implementation investment. But there’s more to be accomplished – including better security, more automation and integrated reporting – before final grades are in. (, 10/08/2013)

  • RDC Hardware: It’s a Brave New World

    In the first 9 years of its life cycle, RDC has given rise to numerous innovations, like mobile remote deposit and account opening functionality. So what’s coming down the pike? Wireless, for sure; security enhancements too. (, 10/07/2013)

  • Dealing with Dupes

    In the October 2013 issue of Digital Transactions, author Elizabeth Whalen focuses on RDC and duplicate deposits. This is among the first of what we expect to be many articles covering this topic. (Digital Transactions, 10/02/2013)

  • RDC: It’s Transformative; It’s the New Normal in Financial Services

    RDC is transforming financial services, creating new value propositions and new opportunities to improve operations and customer service. Last week, hundreds of attendees from banks, credit unions, solutions providers and government agencies gathered at the RDC Summit 2013 to learn about and share insights on how RDC has become the new normal. (, 10/01/2013)

  • Mobile: A Pipeline Brimming with Product Opportunities

    Mobile RDC was just the start of an emerging trend to improve service and cut costs for banks. A mobile app for opening bank accounts is the latest. The endgame: streamline banking for better customer service and to attract new market segments. (, 09/23/2013)

  • From Free to Fee: Monetizing Mobile Deposits

    In this, the first of the 'Free to Fee' series of posts by Jim Marous, Jim discusses revenue opportunities that can be derived from mobile deposits aka mobile RDC. (Bank Marketing Strategy, 09/17/2013)

  • Risk Management Evolves as RDC Defines the New Normal

    Risk management is a cornerstone of banking. That's why it's important to integrate RDC risk controls with an FI's overall risk management and reporting routines. (, 08/29/2013)

  • Network Strategy for the Remote ATM

    Once simply a cash dispenser, the ATM has transitioned into a convenient channel for remote deposits. This article originally published by provides insight into the increasingly important role of the image-enabled ATM. (, 08/26/2013)

  • Excellence in Fulfillment Demands More than Just Shipping Out Scanners

    As RDC adoption grows so does the number of FIs partnering with third-party service providers for fulfillment support. Specialized customer service,extensive inventories, training and technology expertise are just a few of the value adds that a third-party brings to the table. (, 08/20/2013)

  • Leveraging Remote Deposit Capture Technologies for the Next Big Thing

    Technologies originally created to implement remote deposit capture have allowed banks to offer mobile bill pay services. (, 08/16/2013)

  • mRDC is Key to $1.5 B in Profits

    Mobile RDC is already saving financial institutions hundreds of millions in transaction costs. A new report by Javelin Strategy & Research indicates the cost savings can be up to $1.5 billion for the industry. (, 08/14/2013)

  • Despite Challenges, ISO Finds Success with RDC

    Banking is a bifurcated business. This is especially evident in the different sales channels that have evolved around payment cards and RDC. However,"out of the box" thinking can prove to be financially rewarding for ISOs willing to adopt different strategies. (, 07/15/2013)

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