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The Green Sheet

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Digital Check Digital Check

The Disappearing Check - Part 1



Right now, if you ask someone in banking or payments how much useful life the check has left, you’ll invariably get one of two snappy soundbites for an answer: ‘Checks are already dead!’ or ‘Checks will still be around for a long, long time.’
 
Which reply you get depends mostly on who you ask, and on what he or she stands to gain personally from checks‘ continued existence. Companies involved with checks keep on cheerleading them; payments-tech startups can’t wait to dig them an early grave. What we’re left with is a lot of hype, wishful thinking, and outright guessing.
 
We may be in the check business, but we know the future of the check is not going to be dictated by spin and PR. The following is intended as a realistic projection of the check’s future, based on pure mathematics and objective analysis of recent trends. We hope you will find it a good starting point for a frank debate about the future.



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