Daniel Wolfe, American Banker featured reporter, recently published an article (ACH Is Next Frontier for Mobile Phones) highlighting ACH as the next step in the evolution of mobile banking/payments.  While enabling mobile phones to connect to the ACH network would certainly bring mobile payments closer to being fully realized, one can only imagine what kinds of additional risks this would create. The banking industry has already seen an increase in duplicate payments and attempted fraud directly related to remote deposit capture.  What additional risks can we expect when consumer deposits are added to the mix?