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Native Browser to Deposit a Paper Check

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Unedited by Larry Chiang
NetBanker is published by The Finovate Group Inc. | 06/07/2013 Mail to a Friend Mail to a Friend

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UW Credit Union is First to Tap the Mobile Browser for Remote Deposit CaptureBy Jim Bruenehttp://www.netbanker.com on 2013/06/06 21:50 Eastern Daylight Time

imageimageThere are a few dozen financial institutions I follow closely for inspiration. And one of my favorites isUniversity of Wisconsin Credit Union. The 180,000 member, $1.6 billion asset CU, always seems to be at the forefront.

Its latest feat: Remote deposit capture from the mobile web <m.uwcu.org>. That’s not a typo. Mobile deposit capture WITHOUTa (native) app!

UWCU is the first in the world (as far as we can tell), that allows smartphone users to deposit checks right from the mobile web (see the CU’s blog post for more info). The CU taps new controls in mobile browsers (iOS and Android) to operate the mobile camera to capture paper checks. Image processing and fraud detection technology is powered by Ensenta (withMitek IP).

The in-house UWCU dev team so far has eschewed downloadable apps in favor of mobile-optimized designs that work cross platform. They are working towards full responsive design, so any user can visit the UWCU site from any size device and receive the optimal design, complete with touchscreen controls when applicable. They are targeting year-end completion for the full package.

But as much as Eric Bangerter (VP Ecommerce & Internet Services) and his team believe in the mobile web, they plan to bow to member pressure and offer a simple native app so they have a presence in the app stores (note 1). As Bangerter notes in a recent interview at BankInfoSecurity.com, “Not being in an app store today is kind of like not having a Google (search) result.”

Bottom line: I’ve been a huge believer in native apps. It’s how legions of smartphone users have been trained to access services (see note 2). Many normal people don’t even understand the “browser construct” in a mobile phone. That said, I see the logic in UWCU’s approach. Like most businesses, they must prioritize their investments. And now that the mobile browser can tap the camera (and GPS), it makes sense to push its mobile power users to the mobile web. But I’m glad the CU is also creating a lightweight native app to satisfy the rest.

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Written by Larry Chiang

June 7, 2013 at 6:14 pm

Posted in Uncategorized

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