BALTIMORE — Waving an iPhone, Fiserv executive Gary Brand toldthe NACHA audience: "This changes everything."

Then Brand explained why: the ease of use of mobile deposit appson smartphones coupled with the ubiquity of those devices suddenlymeans that the ability to make remote mobile capture deposits is injust about every hand.

And consumers want it: 43% of people will switch financialinstitutions to get mobile RDC, Brand said at his presentation onWednesday at NACHA’s PAYMENTS 2012 conference

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