The April issue of Digital Transactions
( http://digitaltransactions.net/files/DigitalTransactionsApril10.pdf )  has an article starting on page 20 that examines the struggles most ISOs are having adding Remote Deposit Capture as a new cross-sell product to their existing merchant base.  Does the offering by ISOs to bank’s customers cause disintermediation to the banks?  Are bank’s defending their turf and offering RDC to the smaller retail merchants?