As smartphones and other mobile devices become the norm to hold conference calls, send highly sensitive emails, shop online and more, mobile banking via these devices has also dramatically increased in popularity. With many banks offering mobile apps, it has become fairly easy and common for consumers to scan checks with their mobile devices, and simultaneously deposit that check into their bank account without ever visiting an ATM or bank branch. This unprecedented convenience has led to a series of risks, ranging from outright fraud to unintended errors.
After all, the people scanning deposits or taking pictures of checks on mobile phones are for the most part neither professional photographers nor check-cashing professionals. Picture angles and shadows may affect image quality, which in turn can lead to processing errors.