Mikhail Gbadegesin and Charles Robert (2016) “A T+0 MODEL OF CHEQUE TRUNCATION SYSTEM FROM THE CUSTOMER TO THE CLEARING HOUSE ON ANDROID-BASED SMART DEVICES”, INTERNATIONAL JOURNAL OF RESEARCH IN COMPUTER APPLICATIONS AND INFORMATION TECHNOLOGY (IJRCAIT), 4(4), pp. 12–18. Available at: http://ijrcait.com/index.php/home/article/view/IJRCAIT_04_04_003 (Accessed: 1 September 2025).