over 130 organizations in attendance · • digital check • digital transactions news •...
TRANSCRIPT
Over 130 Organizations in Attendance • 1st Constitution Bank • 1st Enterprise Bank • 3i Infotech • All My Papers • Andrews Federal Credit
Union • BankFirst • Bank News Media • Bank of America • Bank of the West • Bank Midwest • BankServ • Bay Cities Bank • Benchmark Technology
Group • BLM Technologies • Bluepoint Solutions • Burroughs • Cachet Financial • Canon • Capital One • CDS Global • Celent • Central 1 Credit Union • Chesapeake Bank • Chetu, Inc. • CFC Technology • Citibank • City & County Credit
Union • City National Bank • COBIZ FINANCIAL • Community Bank of
Texas • CSI • CTS North America • Cummins-Allison Corp • Digital Check • Digital Transactions
News • Document Capture
Technologies, Inc (DCT)
• E Federal Credit Union • ECCHO • Emprise Bank • Ensenta • Entregar Limited • EPCOR • Epson • Farm Credit Services of
America • Federal Deposit
Insurance Corporation • Federal Reserve Bank of
Atlanta • Fidelity Investments • Financial Services, Inc. • First Citizens Bank • First Data • First Federal • First National Bank of
the Gulf Coast • First Security Bank • FIS • Fiserv • Florida Capital Bank • Frost Bank • FTNI • Gray Television • Green Dot Corp. • Greenlaw Intl Mgmt
Co., LLC • Gulf Bay Consulting • Gulfstream Business
Bank • HealthPro Medical
Billing, Inc. • HeritageBank of the
South • Hewlett-Packard
Company • Home State Bank • Huntington
National Bank
• i7strategies • IBT • Janney Capital Markets • Joyce Meyer Ministries • JPMorgan Chase • Kahuna ATM Solutions • KeyBank • Liberty Bank • Lockheed Federal Credit
Union • Manufacturers Bank • Meridian Bank of Texas • MetaBank • M&I Bank • Mitek Systems • Mutual of Omaha Bank • NCR • Nelnet Business
Solutions • Northwest Savings Bank • Northwestern Mutual • Old Florida National
Bank • Orbograph • Panini • Parascript, LLC • PayPal, Inc. • Pertech Resources, Inc. • PNC Financial Service
Group • PreCash, Inc. • ProfitStars • Raymond James &
Associates • RBC Royal Bank of
Canada • RBC Wealth
Management • RDM • Reclaim Software
Solutions • Regions Bank
• Revo Payments • Saque e Pague • SELCO Credit Union • Silicon Valley Bank • Smith Street Capital • South Florida
Educational FCU • State Farm Bank • Stonegate Bank • Summit Credit Union • Summit Financial
Solutions • SunTrust • SW Bridge Corporate
Federal Credit Union • Symcor • Synovus Financial Corp. • Superior Press • TASQ Technologies • TD Ameritrade • TD Bank • Texas Capital Bank • The Bankers Bank • The Royal Bank of
Scotland • Transmodus • UMACHA • Union Bank • United TranzActions • USAlliance Federal
Credit Union • Vecmar • VSoft Corporation • WACHA • Wausau Financial
Systems • Wells Fargo • Zions Bank
Unparalleled Insights & Expertise
5 Remote Deposit Capture: Transforming Payments
Industry Leaders Visionaries
Innovators
Experts
CEOs
Federal Reserve
Regulators & Auditors
Transformation & Evolution
6 Remote Deposit Capture: Transforming Payments
Mobile Consumer
Risk Management
A Payments Platform
New Capabilities
New Business Models
Data Integration
New Markets
Perspective
To best understand how far we’ve come…
…We need to understand where we’ve been.
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7 Remote Deposit Capture: Transforming Payments
RDC is Transforming
• How Checks Are Cleared • How People Write Checks • How payments are processed • How information is managed & processed • Risk Management • How businesses manage payments
8 Remote Deposit Capture: Transforming Payments
The very definition of Remote Deposit Capture is transforming.
Transformation How Transformation Starts: • “Need” or Opportunity • Technology • Scale • Awareness • Ability
9 Remote Deposit Capture: Transforming Payments
Transformation Implications: • Risk & Doubt • Divergence • Trial & Error • Winners & Losers • Learning Curve
If you could say one thing…
10 Remote Deposit Capture: Transforming Payments
“Disruptive Technology.”
“Brilliant!” “Sadly Under-Deployed.”
“Innovation in Action” “So far....leading edge!”
“Finally!”
“Misunderstood by so many!” “Great product conceptually, but will exist only for a limited time.”
“A necessary evil.” “Amazing Potential.”
“The Future of Payments” “Convenience.”
If you could say one thing…
11 Remote Deposit Capture: Transforming Payments
“Transformative.”
-Arkady Fridman, PayPal
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Video game systems
Computers
Mobile phones
Tablets
Televisions
Point of Sale
ubiquitous digital wallet
RDC: Transforming Payments
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Receive Bill Issue check Receive Check Scan Check Process Check
RDC is Necessary for the Payments Transformation
RDC: Transforming Payments
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Arkady Fridman, Business Development [email protected] Financial Innovations - Global Strategy PayPal, Inc. @afridman
RDC: Transforming Payments