1. A financial system, comprising: one or more memories storing computer-executable instructions; and one or more processors configured to access the one or more memories, wherein the one or more processors are further configured to execute the computer-executable instructions to: receive, on behalf of a user, a front-side image that represents at least a portion of a payment instrument associated with a financial account associated with the user; analyze the front-side image to determine one or more fields included in the front-side image; determine a type of the payment instrument based at least in part on the one or fields, wherein the type of the payment instrument is one of a check or a payment card; in response to determining that the type of the payment instrument is a payment card, provide instructions for back-side image capture, in response to providing the instructions for back-side image capture, receive a back-side image depicting a back side of the payment instrument, and perform, using one or more image processing techniques, image analysis of the front-side image and the back-side image to extract one or more payment instrument data elements, wherein at least one of the one or more payment instrument data elements identifies the financial account; store the one or more payment instrument data elements in an electronic wallet associated with the user; and provide, on behalf of the user, at least one of the one or more payment instrument data elements to initiate a financial transaction drawn on the financial account.