The problem
Account holders want to deposit cheques without visiting a branch. Institutions want that convenience without letting fraudulent, duplicate or unreadable cheques into their systems.
What Mobile Deposit does
- Capture from anywhere — account holders photograph a cheque with their smartphone and follow on-screen cues; compression keeps images small for faster processing.
- Flexible risk thresholds on the server stop risky deposits before they enter the system.
- Real-time duplicate detection, with instant feedback so staff can act immediately.
- Fewer exceptions — amount recognition (CAR/LAR), image-quality and usability checks, automatic re-orientation, and an image-repair step that verifies and fixes images.
- Fake cheques caught early through Positive Pay fraud detection.
- Staff review of each deposit for proper endorsement before it’s accepted, with flexible balancing options for different transaction types.