Artificial Intelligence in mobile check capture: Innovations and implications in Mitek Systems Technology

Hora, Charanpreet Singh (2025) Artificial Intelligence in mobile check capture: Innovations and implications in Mitek Systems Technology. World Journal of Advanced Engineering Technology and Sciences, 15 (2). pp. 1911-1919. ISSN 2582-8266

This article examines the integration of artificial intelligence in mobile check capture technology, with specific focus on implementations by Mitek Systems. The article analyzes how AI algorithms enhance image quality, automate optical character recognition, facilitate real-time fraud detection, and streamline data validation processes in mobile banking applications. The article evaluates the technological architecture that enables these systems to significantly reduce manual intervention while maintaining regulatory compliance with banking standards. Additionally, the article explores the continuous learning capabilities of these AI systems that adapt to diverse check formats and handwriting variations. Findings indicate that AI-enhanced mobile check capture represents a transformative development in banking technology that simultaneously improves user experience, operational efficiency, and security protocols. This article contributes to the understanding of how financial institutions can leverage artificial intelligence to modernize traditional banking processes while addressing emerging challenges in digital banking security.