Mobile check deposit technology for usability, scalability
An intuitive user experience for consumers and businesses. Both hosted and on-premise deployment options are available to scale with financial institutions of all sizes. Advanced image processing for various fields including CAR/LAR, presence of payee name, endorsements, dates, MICR data, image usability and image quality and other various check data provides high confidence rates for X9.37 file creation and further downstream processing.
Build your Mobile Deposit solution using Mitek’s best in class technology
- Image analytics ensure that captured and submitted images meet Check 21 industry standards
- Automatically correct warped, distorted, and poorly lit images
- Specialized OCR software for highly accurate MICR validation
- API for easy integration into mobile banking applications as well as core systems
- International support: available and supported in many countries around the world
MiSnap capture SDK is available for iOS, Android and Mobile Web.
Comprehensive Mobile Image Processing
- Endorsement detection: the ability to detect the presence of an endorsement on the back of a check
- Restrictive endorsement: detects the presence of a desired phrase in the endorsement by the deposit amount and check amount, such as: “For mobile deposit only” to limit duplicate deposits
- CAR/LAR matching: ensures the numerical and the written amounts match
- Front and back matching: this feature leverages Harland Clarke PhotoSafe checks
- Immediate MICR validation
- Blank LAR field detection
Mobile Device and Image Analytics
Business intelligence dashboard for performance analytics and tuning for digital banking:
- Understand what types of mobile devices are in use for mobile banking across the user base
- Learn how all iOS and Android devices are performing
- See imaging quality analytics, system performance, and other key metrics
Exceptional user experience
Mitek MiSnap™ makes check capture effortless. Consumers simply hold their mobile device over a check, and MiSnap automatically captures a high-quality, deposit-ready image. Programmatic image capture improves first-time acceptance rates, reducing image exceptions and manual reviews while helping financial institutions process mobile deposits more efficiently.
