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Chase Mobile Remote Deposit Capture

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Celent have reviewed this profile and believe it to be accurate.
2010/07/07
Bart Narter
Mobile banking is now in the mainstream. I am a customer of JPMorgan Chase and like the iPhone app. It gives me the access to what I need in a mobile app:
  • Balance information.
  • Transaction history.
  • Branch and ATM locations
I can also use it to pay my credit card bill. All good. The only reason I go to a branch or ATM is to deposit checks or get cash. I was very excited to learn about Chase's new mobile remote deposit capture. The app is very user friendly:
  1. Key in the amount of the amount of the transaction.
  2. Take a picture of the front of the check.
  3. Take a picture of the back of the check.
  4. Approve and submit.
[caption id="attachment_1592" align="aligncenter" width="320" caption="Chase Mobile is Inuitive"]Chase Mobile is Inuitive[/caption] The problem is that I couldn't get the check to deposit. I typed in the amount, but the character recognition couldn't find that amount on the check, so the system rejected the deposit. This was a machine generated check with everything typed. Character recognition doesn't get any easier. Chase needs to go back to the drawing board on the character recognition, and I need to go to the ATM to deposit the check. I anxiously await the next version.

コメント

  • [...] Deposit? Check…Chase Mobile Remote Deposit Capture [...]

  • Chase Bank's Quick Deposit group has as much talent in their office as the DMV. Here they are, still playing around with their archaic MICR ink detecting scanners, then leapfrog all generic scanners to offer iphone deposits.

    What's it going to be Chase? MICR ink requirements from the 60s? Or do we all need to become teenagers with silly phone apps in order to run our businesses?

    No surprise though, Chase still snail mail's me my customers' bounced checks. They can't email it and don't seem to have the desire. If a small start-up operated their business the way Chase operates their Quick deposit group, the business wouldn't last a week in the real world.

  • [...] Chase Mobile Remote Deposit Capture [...]

  • [...] In my younger days as a product manager in Silicon Valley, my engineering team often told me that I can induce bugs simply by looking at the software. The system they built would always work perfectly until I attempted to use it and then, voila, when it was time to show it to me, it would crash or behave strangely. It would appear that I haven’t lost the touch. Starbucks’ mobile payment app was no match for my deadly touch. I have had similar impacts on Chase’s mobile RDC. [...]

  • [...] usability problems such as those experienced by Celent’s own Bart Narter (see Bart’s blog here). There’s nothing worse than getting all fired up from a good TV ad only to be disappointed with [...]

  • I like the idea of remote deposit capture. I like to be able to make a deposit from my own home. Taking a picture of my check with my iPhone and then being able to see that check deposited in my account.. That is innovation.

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