{"id":7495,"date":"2019-03-06T11:20:31","date_gmt":"2019-03-06T10:20:31","guid":{"rendered":"https:\/\/panini.gbsweb.online\/blog\/rdc-in-italy-to-be-or-not-yet-to-be\/"},"modified":"2024-02-19T18:10:21","modified_gmt":"2024-02-19T17:10:21","slug":"rdc-in-italy-to-be-or-not-yet-to-be","status":"publish","type":"post","link":"https:\/\/www.panini.com\/com\/blog\/rdc-in-italy-to-be-or-not-yet-to-be\/","title":{"rendered":"RDC in Italy: To be or not (yet) to be?"},"content":{"rendered":"

A variation on the immortal Shakespearean doubt can summarize the sentiment of a recent round table in Milan, sponsored by Panini and organized by AziendaBanca magazine<\/a>, whose title was \u201cThe check\u2019s journey from dematerialization to remote deposit capture\u201d.<\/p>\n

Check Image Truncation (CIT) is finally active in Italy \u2013 since July 2018 \u2013 and it took an amazing seven years from when Law 106 was published in 2011. Without the \u201clast mile\u201d reaching the customer, however, banks still see it mainly as an imposition, or an incurred cost, or a compliance topic. The optimization \u2013 via dematerialization \u2013 of the inter-bank stretch is simply not enough: while the new process will pay efficiency and savings dividends over time, banks see how much they\u2019re spending to comply with CIT on their balance sheet today.<\/p>\n

On the opposite end, most banks realize that RDC is an attractive business opportunity, since check-intensive businesses have been asking for this service for years \u2013 just waiting for at least one bank to say \u201ccome to me: here it is\u201d. Nonetheless, the service\u2019s implementation still presents a few legal and procedural question marks, due to the legislator\u2019s choice that the truncation law not cover RDC explicitly. So while many banks dream of a ground-breaking announcement that they\u2019re first to market with RDC on the Italian market, no one so far has dared to visibly make the first step.<\/p>\n

\"\"<\/p>\n

But we are not alone. The first mover\u2019s angst was (and probably is) experienced by other Financial Institutions, around the world. Bruno Scanga, Panini\u2019s guest speaker in the meeting, brought the experience of CIBC \u2013 the smallest of Canada\u2019s \u201cbig five\u201d banks and first to market with RDC. Bruno convincingly presented to the representatives of nine Italian banks about the challenges CIBC had to face 4-5 years ago: legal aspects, end user contracts, pricing, onboarding and support, product offer, internal approval, even how to choose and handle the hardware component (the scanner)\u2026 all these represented potential show stoppers for a Bank we can now call Panini\u2019s best Canadian customer. Patiently and relentlessly they researched, studied, discussed, took some risks and experimented, until \u2013 eyes on the prize \u2013 they could proudly enter the market with an attractive offer which their competitors would catch up on only over a year later.<\/p>\n

\"\"<\/p>\n

The Italian Banks took notes, raised questions, challenged each other and passionately discussed with one another and with Bruno to try and trace a possible path to the RDC process definition and implementation, in compliance with the new CIT law and with other internal and external constraints. Checks have been declining quite sharply in Italy in the last few years, with YoY rates as high as -15%, but then have started to slow down and plateau \u2013 as in the U.S. and elsewhere. Some of the paper check\u2019s benefits just cannot be matched by other means of payment, the audience agreed, so the residual quantity of checks (zoccolo duro in Italian, i.e. hard core) isn\u2019t going to go away anytime soon.<\/p>\n

Which means the time is right to bring the process of its digital transformation to completion, via Remote Deposit Capture. And the time for Italian RDC is now<\/em>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Learn about the future of Remote Deposit Capture technology in Italy. <\/p>\n","protected":false},"author":1,"featured_media":3714,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[23],"tags":[],"acf":[],"yoast_head":"\nRDC in Italy: To be or not (yet) to be? - Panini<\/title>\n<meta name=\"description\" content=\"Find out everything you need to know about "RDC in Italy: To be or not (yet) to be?" directly on Panini's website blog. 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