When do mobile banking customers deposit checks using remote deposit capture (RDC) on their smartphones or tablets? At night and over the weekends, from the comfort and safety of their homes?

It turns out most mobile deposits take place during banking hours. 66% of mobile deposits occur between 10 a.m. and 5 p.m., according to data from mobile banking technology provider Malauzai.

In other words, people are interacting with their banks during work, on company time! RDC activity falls off 75% after banking hours.

Malauzai’s data is based on March data from its customer base: 85 banks and credit unions encompassing 950,000 logins for 75,000 mobile banking customers.

If customers are doing most of their mobile banking during business hours, it would follow that most customer service requests related to mobile also occur during these hours. That makes the argument for expensive 24/7 customer service a bit of a harder sell.

Malauzai, based in Austin, Texas, also reports that the average user RDCs 2.5 checks a month with an average value of $429. The average value of iOS users’ deposits is 15% higher than the deposits of Android users.

Additionally, the company reports that 50% of check images need to be retaken, with 25% of these errors resulting from the depositor failing to sign the back of the check, while 90% of all deposit attempts are ultimately successful.

Malauazai also provides PicturePay, the technology that powered the first mobile photo bill pay solution in the country, which was offered by First Financial Bank in Abilene, Texas.