State of Remote Deposit Capture 2017: The Final Stretch

by ボブ・メーラ, March 20, 2017
Industry Trends
北米

要約

More than 2,600 US financial institutions went live with mobile deposit in the last two years, leading to an estimated 80 million retail users.

Celent has released a new report titled State of Remote Deposit Capture 2017: The Final Stretch. The report was written by Bob Meara, a Senior Analyst with Celent’s Banking practice.

Institutions are wise to offer business mobile deposit, but the expedient path chosen by most banks will likely disappoint. The majority of institutions offering business mobile deposit merely offer a “consumer” solution with higher deposit limits. More capable and appropriate products are available from many vendors, but banks have been slow to embrace them.

The ability of remote deposit capture (RDC) to extract, validate, and manage payments information (payment stubs, invoices, etc.) remains unappreciated. A small minority of banks offer these capabilities, either stand-alone or in concert with lockbox offerings. Those that do are primarily large banks. Despite the well-founded enthusiasm around mobile, boring old commercial desktop RDC deployments continue to grow at a double-digit pace in many banks.

“A surprisingly large opportunity remains for boring old commercial desktop RDC after all these years. Most banks have roughly 10% annual revenue growth in their sights over the short term,” Meara said.

“A more interesting opportunity is with small business, but banks won’t realize the opportunity unless they up their product game,” he added.

セレントは、金融機関のビジネスおよびテクノロジー戦略策定に役立てていただけるよう、リサーチおよびアドバイザリーサービスを提供しています。金融業界の最新テクノロジートレンドおよびベストプラクティスに関するレポートを発行し、また、既存のビジネスプロセスの強化や新たなビジネス戦略の実践を検討する金融機関にコンサルティングサービスを提供しています。セレントのアナリストチームは、世界中の拠点から、グローバルな視点で戦略アドバイスや業界最新動向を提供する独自の体制を備えています。セレントは、マーシュ・アンド・マクレナン・カンパニー(MMC)傘下のオリバー・ワイマングループに属しています。

Media Contacts

North America
Francine Minadeo
francine.minadeo@oliverwyman.com
Tel: +1 212 345 6417

Europe (London)
Chris Williams
cwilliams@celent.com
Tel: +44 782 448 3336

Asia (Tokyo)
Yumi Nagaoka
ynagaoka@celent.com
Tel.: +81 3 3500 3023

目次

Executive Summary

1

 

Key Research Questions

1

A Historical Perspective

4

Distributed Image Capture Environments

7

RDC Risk and Compliance: Steady as She Goes

10

 

Deposit Risk and RDC Loss

10

 

Retail RDC: Approaching Sanity

14

 

Risk Management Tools

21

Commercial Remote Deposit Capture

21

 

Financial Institution Adoption

21

 

Client Utilization

26

 

Outlook

28

Retail RDC

30

 

Small Business RDC Utilization

30

 

Financial Institution Adoption

31

 

Outlook

34

Solution Landscape

36

 

Solution Evolution

36

 

Vendor Landscape

37

Recommendations

42

Survey Methodology

44

Appendix: Solution Adoption Detail

46

 

Commercial Products

46

 

Retail Products

48

Leveraging Celent’s Expertise

50

 

Support for Financial Institutions

50

 

Support for Vendors

50

Related Celent Research

51

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