1. Remote Deposit Capture Market - Allied Market Research

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3. Description
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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