LAS VEGAS — Ask Jim DeBello, CEO of San Diego-basedMitek, how a financial institution can ramp up use of digitalbill payment tools and the man whose company is built aroundscanning checks for mobile deposit has an answer that bothsurprises and makes perfect sense.

Mitek is known for its mobile RDC tools – in use in 150+ creditunions, said DeBello – but what he suggested to Credit UnionTimes in a sideline interview Monday at the bustling Money2020conference in Las Vegas is that Mitek's next play is tools thatwill let users snap a picture of a bill using a smartphone andMitek software will recognize who is being paid how much andhow.

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That means DeBello is in effect discouraging check writing –Mitek's lifeblood – because he smells a huge opportunity in mobilebill payment via camera.

There are millions of credit union members who do not use onlinebill pay; they are not likely candidates for near-term conversionto mobile bill pay, but, said DeBello, they just might jump onpaying a bill by taking a picture of it. “This is aboutmaking the consumer's life easier,” he said..