Latest industry research report on: Remote Deposit Capture, also known as Corporate Capture, Merchant Capture, Image Deposits, etc., is a non-physical check deposit service provided by banks. This technology is at its developing phase. The process of remote deposit includes issuing of check by a bank, scanning of the check, and transmission of the scanned image/ACH-data to the bank. The bank considers the scanned data as physical check and credits the amount in the beneficiary’s account.
A Legislation (Check 21 Act) was passed in U.S.A. in October 2003, regarding use of this procedure and was implemented in October 2004. Busy schedule, time constraints for businessmen and rising trend of online transactions are primary factors driving the market. On the other hand, possibility of breach in security due to non-transfer of actual physical check might restrain the market growth.
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