Mikhail Gbadegesin, Charles Robert. A T+0 MODEL OF CHEQUE TRUNCATION SYSTEM FROM THE CUSTOMER TO THE CLEARING HOUSE ON ANDROID-BASED SMART DEVICES. IJRCAIT. 2016;4(4):12-18. Accessed September 1, 2025. http://ijrcait.com/index.php/home/article/view/IJRCAIT_04_04_003