Scanners are much cheaper than they used to be, but not cheap enough for many small businesses, who are still reluctant to adopt remote deposit capture. "In a sour economy, people are looking at costs," says Bob Meara, an analyst at Celent.

Celent's new report - State of Remote Deposit Capture 2009, New Markets, New Models - found that the poor business climate has slowed the growth of remote deposit capture, which has suffered from delayed launches and reduced deployment at institutions that had already adopted the technology.

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