It is very hard for land-based banks to start an online-only bank.

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To some degree, there's a lot of hoopla around socio-economic data. And banks still buy into that: They want to know what's the average house price being built here.

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Do you open a limited branch? Or will you have a loan officer that goes out to a remote area? ... One thing that this product can do is be a leading indicator of whether you should open a branch in a new area.

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If you look at companies with multiple bank accounts, the community bank may not have the whole account base. The bank can win that base by offering remote deposit capture. Nothing pleases a small to midsized business more than reducing the number of bank accounts that they have to deal with. It simplifies things. There's one bank bill and one balance sheet to keep track of.

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