Lloyds Smartphone App

A new Lloyds smartphone app may soon allow users to take a photo of a cheque on their smartphone and pay it directly into their bank account without visiting a branch.

The bank is currently piloting a scheme with 1,750 members of staff who will test the system over the next month to help identify any performance or security problems, after it conducted a similar trial with a small number of business owners.

Members of staff will be able to submit cheques by taking photos of the front and the back of them using their phone camera. If successful, customers could be trying the technology by the autumn.

The photos will then be sent securely through their Lloyds smartphone app for clearance, saving the need to take the cheque into the bank.

Russell Saunders, managing director for global payments at Lloyds Banking Group said: ‘We have now started a pilot programme to develop the service and understand the needs of our customers – the biggest trial that our digital team has ever undertaken.

The pilot is expected to run for a number of weeks with a view to using any feedback collected to develop the service further.’

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