Mikhail Gbadegesin, and Charles Robert. “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, no. 4 (July 16, 2016): 12–18. Accessed September 1, 2025. http://ijrcait.com/index.php/home/article/view/IJRCAIT_04_04_003.