New developments in computing and software technologies,smart­phones and apps provide consumers with an increasing numberof options to complete routine tasks. Consumers enjoy convenience,while service providers achieve efficiencies, savings and increasedcustomer satisfaction.

Take the example of making a check deposit. Only a few yearsago, bank customers had one option. They had to locate a branch,travel there, and wait in line for a teller to make a deposit.Then, Automated Teller Machines (ATMs) came along. ATMs were placedat numerous locations, offering bank customers' convenience in whenand where they banked. Banks invested in procuring and servicingATMs, but saved over time on physical locations and relatedexpenses.

Advancements in technology, including mobile devices, have takenconvenience to a new level with some banks now allowing custom­ersto snap photos of the front and back of an endorsed check using asmartphone—and the deposit is confirmed. Convenience when and wherethey need it— from their homes, on the road, the beach, anywherethey want.