By Mark Brousseau
Could free scanners hold the key to even wider remote deposit capture adoption? That’s what two new studies suggest.
A survey by Boston-based Aite Group found that 58 percent of small businesses that are not using remote deposit capture say free scanners from their banks would make their adoption of the technology more likely – topping any other implementation factor. Aite Group analyst Christine Barry notes that small businesses are more price-sensitive in general.
No kidding. Small businesses – those with less than $500,000 in revenue annually – expect scanners to cost about $100 or less, according to research from Celent LLC. Even larger businesses – those with at least $5 million in revenues – expect scanners to cost $210. These are numbers that will surely make the check scanner manufacturers gag.
Celent notes that only 15 percent of banks now offer clients free scanners, with half requiring them to buy the machines upfront, either from the bank or from a technology vendor. One-third of banks absorb scanner costs into the monthly fees for their remote capture service.
What do you think? Post your comments below.
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2 comments:
Now that many banks have addressed their higher volume customers (the low hanging fruit) scanner pricing is certainly more of an issue in getting lower volume businesses to participate. While the overall value proposition of RDC still should be considered, banks may find it worthwhile to offer bundled leasing options for scanners and associated monthly fees.
Lower priced scanners are also becoming available, but in my opinion the monthly lease option is probably the path of least resistance.
Trent Fleming
Senior Vice President
Strategic Market Development
SOFTWARE EARNINGS
Memphis Corporate Office
8700 Trail Lake Drive West, Suite 200
Memphis, TN 38125
901.322.9289
tfleming@softwareearnings.com
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