Chief design officer Meriah Garrett provides a look at the company's efforts to make mobile app and website design more user-friendly.

The insurance giant said it would need to make a “significant additional investment” to gain scale and be competitive. It has hired an investment banker to help it unload deposits and loans.

Some firms are investing in technology to help insurance clients shift to paperless payment processing.

Mobile remote deposit capture is said to be just the first of many tech patents the company will seek to enforce. That could cost banks that use its technologies a lot of money.