Imaging in the Retail Channel 2012: A Teller Capture Renaissance

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18 October 2012


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.