Research firm Aite Group has found that some small businesses may not be gravitating to remote deposit capture despite a high adoption rate at financial institutions.

Aite's findings come from a new report based on surveys of 291 U.S. small businesses and 20 of the country's 100 largest banks.

More than 50% of banks said they have already deployed the check imaging and deposit technology, and others plan to do so in coming months. Still, end-user adoption, especially among small business customers, remains extremely low, the research showed.

“Small business RDC adoption rates are falling below expectations at more than 60% of large U.S. banks,” said Christine Barry, research director with Aite and co-author of the report. “Small businesses need RDC, and banks can charge for it. But money is being left on the table due to low adoption levels and less than proactive strategies.”

Aite said banks should implement effective marketing and customer-education initiatives when offering RDC. They should also offer efficient customer onboarding process, match product benefits with customer pain points, and create well-thought-out pricing models and product bundles, the firm suggested.

A number of credit unions are embracing remote deposit capture in an effort to round out their products and services targeting small businesses.