Do I need to have a scanner or photographs stored digitally?

No.

onlinememorials.com.au understand that you may not have access to a scanner. They will create and display the memorial and add the photographs once they receive them from you. onlinememorials.com.au appreciate that your photographs are valuable – you may like to visit your local photographic store and have them copied or have them transferred digitally onto a disk for safety. Either way your photographs will be promptly and safely returned to you once displayed.