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The Green Sheet

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Digital Check Digital Check

The Reappearing Check - Why the decline of paper finally slowed



Digital Check Corp.’s latest white paper explains the reasons behind the resurgence of the paper check following the Federal Reserve Bank’s most recent Payments Study in 2016.
 
The white paper identifies several factors contributing to the stabilization of check volume: 

  • Previous disruptive technologies, such as direct deposit and online billpay, achieving market saturation;
  • Newer payment methods, such as mobile wallets and cryptocurrencies, primarily competing with card transactions; and
  • Resistance to setup costs or percentage fees for other check replacements, particularly among small businesses.

Also discussed are evolving technologies and their possible effect on the check – including P2P payment platforms, such as the banking industry’s new Zelle app, and Electronically Created Items (ECIs), sometimes referred to as truly “digital” checks.



Click here to download the whitepaper

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