Imaging in the Retail Channel 2012: A Teller Capture Renaissance

by Bob Meara, October 18, 2012
Industry Trends
North America


Branch image capture adoption is now nearly ubiquitous. A growing number of financial institutions are bringing image capture to the teller line, and to a lesser extent, to the ATM.

Fueled by near ubiquitous image exchange adoption and the increasing cost of processing paper checks, branch capture solutions have been installed or are being installed at 9 out of 10 US financial institutions. As traditional paper check processing infrastructures are dismantled, distributed capture models will become a practical necessity among the remaining institutions.

According to the report, Imaging in the Retail Channel 2012: A Teller Capture Renaissance, Celent expects a 98% adoption rate of branch and/or teller capture solutions within the next two years. Image ATM adoption will be far more measured by comparison. For most financial institutions, the ATM channel will be the last domino to fall in their image migration.

“With more financial institutions rethinking the branch channel, teller capture is enjoying a renaissance,” says Bob Meara, Senior Analyst with Celent’s Banking Group and author of the report. “It is being installed to meet both customer service and operations goals.”

This report provides a comprehensive analysis of the state of distributed image capture adoption and its impact on the retail channel among US financial institutions. It is the fifth annual review of retail distributed capture undertaken by Celent and one of multiple reports covering the broader topic of distributed image capture including remote deposit capture (RDC), defined here as distributed capture done at a client site.

The 43-page report contains 25 figures and 13 tables.

Celent is a research and advisory firm dedicated to helping financial institutions formulate comprehensive business and technology strategies. Celent publishes reports identifying trends and best practices in financial services technology and conducts consulting engagements for financial institutions looking to use technology to enhance existing business processes or launch new business strategies. With a team of internationally based analysts, Celent is uniquely positioned to offer strategic advice and market insights on a global basis. Celent is a member of the Oliver Wyman Group, which is part of Marsh & McLennan Companies [NYSE: MMC].

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Table of Contents

Executive Summary


Branch Banking: Paper Becomes the Exception


Branch Image Capture



State of Adoption



Solution Provider Landscape





Image ATM



State of Adoption





Capture Devices



New Devices for the Teller Line



Software Compatibility




Research Methodology


Leveraging Celent’s Expertise



Support for Financial Institutions



Support for Vendors


Related Celent Research


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