The May 2025 report examines how mobile deposit capture (MDC) has become a mainstream banking tool with high adoption but also growing fraud risks, especially from counterfeit checks. While most financial institutions use fraud detection tools, many still separate fraud analysis from funds availability decisions. Real-time fraud detection technologies—such as machine learning, anomaly detection, and forensic imaging—are increasingly vital for balancing security and customer experience. Most institutions are raising mobile deposit limits, and about 1% to 15% of deposits are placed on hold due to suspected fraud.

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