Consumers who have used mobile remote deposit capture highly value it, but financial institutions need to do a better job promoting this service, a new report concludes.

A Synergistics Research survey found that out of 889 mobile phone/smartphone users, 68% are familiar with mobile RDC. The greatest awareness is among those with household income greater than $100,000, the Atlanta firm said.

However, only 106 of the 889 respondents had used mobile RDC within the past month. This service has been most common among 18- to 34-year-olds who earn more than $75,000 annually, the report says.

Nearly all consumers who use mobile RDC believe it is important, with three-quarters rating it as "very" valuable and 21% saying it is "somewhat" valuable, according to the study titled "Maximizing Online and Mobile Banking and Payments."      

Meanwhile, four in 10 nonusers believe that mobile RDC is a valuable service. The most positive reaction among nonusers comes from 18- to 49-year-olds who have higher household income, Synergistics said.

"The notable low usage reported by mobile phone users indicates that there is still a tremendous opportunity for increasing usage of this service, which can help cut costs associated with processing paper checks," William H. McCracken, Synergistics chief executive, said in a news release.