ABA Banking Journal Competitiveness Survey 2008 - (Page S14) Exhibit 31 Exhibit 32 >Which best describes your bank’s remote capture offering? >How does your bank market remote capture?* Officer calls 95.1% (90.8%) 52.2% (47.1%) 51.3% (44.8%) 42.4% (33.3%) Remote deposit capture service as part of a payment processing portal Remote deposit capture service, plus selected financial control programs for clients 13.6% Cross-selling Word of mouth Bank website Standalone remote deposit capture service 68% 18.4% Advertising 31.7% (26.4%) Seminars 12.5% (13.8%) Other 1.3% Exhibit 33 *Banks could choose multiple answers. Percentages in parentheses reflect 2007 survey. >In your market, what image does offering RDC create for your bank? Leader of the pack 31.1% Innovator 25.1% Part of the pack 41.8% Exhibit 34 >Who promotes remote capture in your market?* Large banks Community banks 79.5% (48.6%) 48.8% (19.1%) Non-depository institutions 5.4% (2.7%) Imitator 3.1% Wide regional differences were seen. REGIONAL TREND LEADER OF PART OF INNOVATOR THE PACK THE PACK Credit unions 4.4% (1.1%) No one promotes remote capture 7.3% (28.5%) Marketing has grown more aggressive, across the board. Northeast Southeast Central Midwest Southwest West 21.4% 35.7 17.6 19.3 29.2 25 22.9% 25 37.3 36.4 40 25 54.3% 38.1 43.1 44.3 27.7 43.2 *Banks could choose multiple answers. Percentages in parentheses reflect 2007 survey. RDC RESULTS: By the numbers Exhibit 35 Exhibit 36 >How many firms have signed up for remote deposit capture service with your bank? RA GE AN PRESENT USAGE POTENTIAL >What portion of your business customer base does your RDC user base represent? RA GE AV E DI All institutions Under $500 million $501-$999 million $1 billion-up 22 17 29 44 10 8 15 33 BY ASSET SIZE All institutions Under $500 million $501-999 million $1 billion-up 4.8% 5.6% 3.1% 2.2% S14 MARCH 2008/ABA BANKING JOURNAL Competitiveness Survey 2008 ME BY ASSET SIZE 1% 1% 1% 1% DI AN AV E ME
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