More than  2,600 U.S. financial institutions have gone live with mobile deposit within the last two years, resulting in an estimated 80 million retail users, according to a new report from Celent, State of Remote Deposit Capture 2017: The Final Stretch.

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The report posits that institutions are wise to offer business mobile deposit, but the expedient path chosen by most banks will likely disappoint.

The majority of institutions offering business mobile deposit merely offer a consumer solution with higher deposit limits.

More capable and appropriate products are available from many vendors, but banks have been slow to embrace them.

The ability of remote deposit capture to extract, validate, and manage payments information (e.g., payment stubs, invoices) remains unappreciated, according to Celent. A small minority of FIs — primarily, large banks — offer these capabilities, either standalone or in concert with lockbox offerings.

Despite the well-founded enthusiasm around mobile, boring old commercial desktop RDC deployments continue to grow at a double-digit pace in many banks. We are clearly in the final stretch, the report says.

"Surprising opportunity remains for boring old commercial desktop RDC after all these years. Most banks have roughly 10 percent annual revenue growth in their sights over the short term," Celent Senior Analyst Bob Meara said in the release. "A more interesting opportunity is with small business, but banks won't realize the opportunity unless they up their product game."