Most analysts and experts agree 2011 is the year mobile capture goes mainstream. In fact, I predict within two years this service offering will be as ubiquitous as online banking and bill pay. Your members will demand it, and statistics demonstrate that some members will even go so far as to switch financial institutions if the service isn't offered at their current institution.

A few early adopters launched the service in 2010, but the race has officially begun for the rest of the country. I assure you, your competition is at the very least evaluating mobile capture. The question is not if your institution should offer mobile capture-but rather how quickly?

The explosion of the smart phone has led to a shift in traditional banking. Consumers want the convenience to pay bills, transfer money, and now make deposits all from a hand-held device.