Consumers are gradually becoming more familiar with technology for remote deposit capture, Synergistics Research Corp. says.

Synergistics surveyed 1,000 consumers online in July and August about the use of personal computers and mobile phones for remote deposit capture. It found that 40% of computer users and 33% of mobile users were familiar with RDC.

However, just 3% of respondents actually used PC-based remote deposit capture employing scanners, and just 2% used the cameras on their mobile phones for remote deposit capture.

"There is a huge chasm between the product's awareness and actual use," said Bill McCracken, Synergistics' chief executive. "That can be seen as great potential for the product to grow."

Financial institutions should embrace remote deposit capture to differentiate themselves in the marketplace, McCracken said.

The technology also might help banks acquire customers. Roughly 60% of the survey participants who found value in remote deposit capture said they would switch to a bank that offers the service.

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