Databank Systems was set up in 1967 by a consortium of New Zealand banks to share computing services. This the first instance computers being used integrate ledger accounts all trading within country, an innovation facilitated relatively small size rising use cheque facilities, and realization that joint effort would provide more efficient service enabling pooling resources achieve scale from e...

The study investigated the effect of cashless policy on economic growth in Nigeria using quarterly time series data spanning through period 2012 to 2021 while research design adopted for was ex-post facto design. Diagnostic test such as serial correlation, heteroskedasticity and Cusum were conducted. Phillip-Peron Kwiatkowski-Phillips-Schmidt-Shin (KPSS) used carry out unit root variables Auto-...

Mobile payment is defined as mobile money, which is considered as an attractive alternative for cash, cheque, or credit. In this paper we propose a new secure mobile paymentmethod. This method is summarized in three processes: firstly, the authentication process, which involves the authentication phases for the applied customers. Secondly, the member recognition process which tests and ensures ...

This paper presents an efficient method of separating words in handwritten legal amounts on bank cheques based on the spatial gaps between connected components. Currently all typical existing gap measures suffer from poor performance due to the inherent problem of underestimation and overestimation. In order to decrease such burden, a modified version for each of those existing measures is expl...

Binarization of document images with poor contrast, strong noise complex patterns and variable modalities in the gray-scale histograms is a challenging problem. In this paper we present a binarization algorithm based on image dependen t model to address this problem for the c heque processing application. The proposed algorithm seeks an optimal threshold that w ould eliminate the background noi...

Signature verification is most commonly used as an authorization tool from the beginning till now. Many people uses bank cheques for most of their transactions. Although banks are computerized, but still verification process of signature in cheques is done manually which consumes time and even misleads sometimes. Signatures verification process can be done online or off-line depending upon the ...

La caducidad no se encuentra definida o diferenciada de la prescripción en el orden jurídico vigente, sino que es un concepto ha importado desde doctrina y puede decir habido análisis jurisprudenciales, lejos aclarar panorama hecho dificultoso su entendimiento, por dispersión del respecto a las diferentes ramas derecho. El objetivo trabajo configura en: Determinar bajo parámetros objetivos juri...

Algunos medios de pago hoy en día se han transformado a digitales otorgando una variedad opciones que ofrecen mejor experiencia usuario. En este sentido, la presente investigación tuvo como objetivo analizar tendencia utilización distintos al efectivo, cajeros y banca virtual, 2013 – 2021, con un enfoque cuantitativo, tipo básica, nivel descriptivo, diseño no experimental corte longitudinal, ut...