With the explosion of mobile RDC demand, banks are seeing a shift in where RDC losses are occurring – from commercial and small business to consumer channels.

Not surprisingly, alongside 10% growth in the number of check scanners deployed for commercial RDC over the past year has been a tripling in the number of financial institutions offering mobile RDC to consumers and small businesses, according to the report, State of Remote Deposit Capture: All About Mobile. Celent expects continued growth of deployed scanners to commercial locations over the next three years, but the real growth will be with mobile RDC. However, there has also been a small but increasing level of losses that is directly attributable to RDC. These losses appear to be steady among commercial accounts, but growing among retail banking accounts.

Risk and compliance dominated commercial RDC activities over the past several years. Now, that activity is taking place in the retail bank as a result of mobile RDC.

“Risk and compliance were banks’ top commercial RDC priorities for several years,” says Bob Meara, Senior Analyst with Celent’s Banking Group and author of the report. “With FFIEC compliance projects largely completed, priorities have shifted back to growing the business.

Now, it’s the retail banks' turn at managing RDC risk, and it takes a whole new set of tools.