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Journal articles on the topic 'Cheque Truncation'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Railton, John. "Cheque truncation." Computer Law & Security Review 2, no. 2 (1986): 21–22. http://dx.doi.org/10.1016/0267-3649(86)90072-5.

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2

Amith, Donald Menezes, and Pinto Prakash. "EMERGENCE OF CHEQUE TRUNCATION SYSTEM." International Journal of Management, IT and Engineering (IJMIE) 5, no. 7 (2022): 261–69. https://doi.org/10.5281/zenodo.7407805.

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Clearing has been an important part of the banking system and will always remain a part of it for years to come. Clearing in banking indicates the transfer of fund from one person to another. This clearing of fund can take place in 2 ways either through cash or through cheque. There has been no major change in the cash transactions except for the changes in value of money. However the cheque clearing system has undergone lot of changes. The origin of cheque can be traced back to the first century AD, where banks in and around Persia used to issue letters of credit called “Sakks” wh

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3

Dr. V. Sreedevi, Dr V. Sreedevi. "E-Banking and Cheque Truncation System (CTS)." Indian Journal of Applied Research 3, no. 2 (2011): 184–86. http://dx.doi.org/10.15373/2249555x/feb2013/64.

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4

Amith, Donald Menezes. "Evolution of Payment System." International Journal of Management, Technology, and Social Sciences (IJMTS) 2, no. 1 (2017): 45–52. https://doi.org/10.5281/zenodo.821263.

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Clearing has been an important part of the banking system and will always remain a part of it for years to come. Clearing in banking indicates the transfer of fund from one person to another. This clearing of the fund can take place in 2 ways either through cash or through cheque. There has been no major change in the cash transactions except for the changes in the value of money. However, the cheque clearing system has undergone a lot of changes. The origin of cheque can be traced back to the first century AD, where banks in and around Persia used to issue letters of credit called “Sakks” whe

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5

Priya, M.P. "Automatic Extraction of Attributes from Printed Indian Cheque Images by Template Matching Technique." Journal of Image Processing and Artificial Intelligence 5, no. 1 (2019): 30–37. https://doi.org/10.5281/zenodo.2597063.

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<em>Reserve Bank of India (RBI) has introduced Cheque Truncation System (CTS) for Indian banks in order to reduce the time required for physical movement of cheques between the clearance departments. However, other processes including database entry and verification are carried out manually. The proposal here is to eliminate the manual intervention by extracting the attributes from the input cheque image and updating the database automatically which significantly would reduce the time lapse on filling up the data into the database. Automatic database updating also contributes to provide secure

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6

Pond, Keith. "Cheque Truncation - A Legal and Practical Perspective." Service Industries Journal 9, no. 1 (1989): 110–26. http://dx.doi.org/10.1080/02642068900000007.

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7

Jaya, Jaya. "Securing Cloud Data and Cheque Truncation System with Visual Cryptography." International Journal of Computer Applications 70, no. 2 (2013): 16–21. http://dx.doi.org/10.5120/11934-7721.

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8

S., Aarthi, Prabhakaran M., Narendranath R.S, and Chandan Kumar A.K. "ONLINE DIGITAL CHEQUE CLEARANCE AND VERIFICATION SYSTEM USING ETHERUM BLOCKCHAIN." International Journal of Advanced Research 11, no. 04 (2023): 1278–92. http://dx.doi.org/10.21474/ijar01/16790.

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India uses the Cheque Truncation System (CTS), an image-based check clearing system. The semi-manual approach has some drawbacks and can take up to 3 working days in India to clear an inter-bank national check. Due to the shortcomings of this system, commercial banks and cheque users must have access to an effective and secure system that can clear a check in less than 24 hours while maintaining the systems integrity and anonymity. This study presents an automated solution to the aforementioned problems that might be implemented by any commercial bank in India. All banks interested in particip

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9

Dr., Tupe Balasaheb Ganpat, and Pund Gokul Changdev Dr. "The Recent Trends In Indian Banking Sector: Impact of Financial Economy." Young Researcher S14, no. 1B (2025): 116–18. https://doi.org/10.5281/zenodo.14857185.

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<em>This paper attempts to discuses on the recent trends in the banking sectors. there are a number of latest trends in banking sectors such as Digital banking. online banking ,mobile banking, ATM, RTGS,ECS,UPI Electronic fund Transfer, SWIFT-Society for Worldwide inter-bank Financial Telecommunication, core banking system, National Electronic Fund Transfer, National payment corporation of India, banker’s cheques, cheque Truncation system, Digital signature universal banking etc. whichplays a very important role in the banking sectors operational efficient & allow banks to provide fa

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10

Karki, Dipendra, Rewan Kumar Dahal, Binod Ghimire, and Surendra Prasad Joshi. "Customer Acceptance of Cheque Truncation and Electronic Clearing Services in Nepal." NCC Journal 9, no. 1 (2024): 57–74. https://doi.org/10.3126/nccj.v9i1.72246.

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Efficient financial systems are vital to the economic integration of nations, with technological connectivity playing a pivotal role. In Nepal, despite the introduction of electronic cheque clearing (ECC) services in early 2012, skepticism persists among users. This study investigates the factors influencing the adoption of clearing services in Nepal, employing primary data collected using structured survey questionnaire. The research explores the relationship between independent factors such as Risk, Convenience, Trust, and Relative Advantages in determining usage patterns. With a sample size

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11

STEPHEN, NDEGWA NDERITU, and GORDON OPUODHO DR. "Effect of Financial Innovation on Credit Risk (Non- Performing Loan Ratios) of Commercial Banks in Kenya." Effect of Financial Innovation on Credit Risk (Non- Performing Loan Ratios) of Commercial Banks in Kenya 8, no. 10 (2023): 8. https://doi.org/10.5281/zenodo.10077286.

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Financial institutions seek investment opportunities with limited risks and opportunities with a higher probability of profitable returns. Kenyan institutions of finance face a lot of risks in providing their services. A company's possible loss if counterparties fail to fulfill their financial commitments is known as credit risk. Banks frequently shift credit risk to free up capital for additional loan intermediation, which results in cash outflow. The study investigated the effect of financial innovation on credit risk of commercial banks in Kenya, focusing mainly on the effect of mobile fina

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12

Agu, Bertram O., Gabriel A. Anidiobu, and Clifford E. Ezinwa. "Essence of Cheque Truncation System toward Efficient Financial Service Delivery in Nigeria." Journal of Policy and Development Studies 10, no. 3 (2016): 72–81. http://dx.doi.org/10.12816/0032099.

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13

Mehan, Vineet, Renu Dhir, and Yadwinder Singh Brar. "A Novel Elliptic Curve Cryptography Based Approach of Re-watermarking for Cheque Truncation System." Journal of Discrete Mathematical Sciences and Cryptography 18, no. 3 (2015): 219–35. http://dx.doi.org/10.1080/09720529.2014.894316.

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14

Gowripeddi Hari kumar and N Ramanjaneyulu. "Recent innovations in indian banking sector." Journal of Management and Science 12, no. 1 (2022): 1–7. http://dx.doi.org/10.26524/jms.12.1.

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The banking sector plays asignificant role in the development of a country's economy. The development of the banking sector depends on the services they provide to customers from different angles. New competitors into the market, new business models, changing customer expectations and the breakdown of traditional services are all pushing traditional banks to launch new technology in their operations. The revolution in the banking sector led to the introduction of Automated Teller Machines (ATM’s), Cash Deposit Machines (CDM), Debit cards and Credit cards, Cheque Truncation System (CTS), NEFT (

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15

D, Andrews Scott. "A Study on Perception of Customers towards Modern Banking Services of Public Sector Banks with Special Reference to Kanyakumari District." Shanlax International Journal of Commerce, 7, S3 (2019): 49–55. https://doi.org/10.5281/zenodo.2572419.

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The present study is confined within a precise modern banking services which have been mostly used by the customers i.e. Automatic Teller Machine (ATM), Tele Banking, Internet Banking, Mobile Banking, Credit card, Debit card, Electronic Clearing Service (ECS), National Electronic Fund Transfer (NEFT), Real Time Gross Settlement (RTGS), Cheque Truncation System (CTS), Dematerialisation. The research is based on data collected from customers of select public sector banks in Kanyakumari district. Other aspects of bank and banking services are not considered in t

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16

Nathiya, T., and K. Janaki Priya. "Analysis of Electronic Banking and Information Technology using the TOPSIS Method." REST Journal on Banking, Accounting and Business 2, no. 2 (2023): 32–41. http://dx.doi.org/10.46632/jbab/2/2/4.

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Electronic banking, sometimes referred to as electronic transfer of funds (EFT), is the process of moving money electronically from one account to another. A 2015 Treasury Department poll found that 22% of mobile telephone owners conduct banking transactions online or over the phone as opposed to in person. They accomplish this via computer technology, telecommunications, and mobile payments. Automatic bill and paycheck deductions, computerized money transfers for online spending, and payment machines (ATMs) are some of its features. In the banking sector, information technology refers to the

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17

Schmelcher, Mathias, Tatiana Shabarova, Marcel R. Eugster, et al. "Rapid Multiplex Detection and Differentiation of Listeria Cells by Use of Fluorescent Phage Endolysin Cell Wall Binding Domains." Applied and Environmental Microbiology 76, no. 17 (2010): 5745–56. http://dx.doi.org/10.1128/aem.00801-10.

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ABSTRACT The genus Listeria comprises food-borne pathogens associated with severe infections and a high mortality rate. Endolysins from bacteriophages infecting Listeria are promising tools for both their detection and control. These proteins feature a modular organization, consisting of an N-terminal enzymatically active domain (EAD), which contributes lytic activity, and a C-terminal cell wall binding domain (CBD), which targets the lysin to its substrate. Sequence comparison among 12 different endolysins revealed high diversity among the enzyme's functional domains and allowed classificatio

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18

Balakrishnan, Mahadevan. "Does India need a cheque truncation system?" Journal of Payments Strategy & Systems, June 1, 2010. http://dx.doi.org/10.69554/puim2087.

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The Cheque Truncation System (CTS) helps ‘local clearing’ of ‘outstation cheques’, improves the efficiency of physical clearing and improves overall payment efficiency. While it was good when it was conceptualised in the last century, given that there are now other options such as ‘Payable at Par’ (PAP) cheques and the Speed clearing process, which helps ‘local clearing’ of ‘outstation cheques’, the point of discussion is whether it is relevant now. Also, electronic payment (EP) options are growing phenomenally in India, where EP by value are over 60 per cent of the total payment value for the

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19

Hait Blanco, Jeanette, and David Walker. "Moving toward 100 per cent electronic cheque processing through ACH and image exchange: Exploring the legal issues." Journal of Payments Strategy & Systems, April 1, 2009. http://dx.doi.org/10.69554/ztfw5475.

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This paper explores whether the goal of end-to-end electronic processing of all cheques can be achieved by imaging cheques and converting cheques to automated clearinghouse (ACH) transactions. Both routes to end-to-end electronic cheque processing contain a number of impediments. For image exchange, the paying bank's agreement is required at the end of the processing stream; if the paying bank has not agreed to accept images, a substitute cheque (more paper) must be created. Similarly, authorisation is required to move a cheque from paper into the ACH world, as the drawer of a cheque must auth

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20

Prateek, Agrawal, and Prodan Radu. "Automated bank cheque verification using image processing and deep learning methods." October 6, 2020. https://doi.org/10.1007/s11042-020-09818-1.

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Automated bank cheque verification using image processing is an attempt to complement the present cheque truncation system, as well as to provide an alternate methodology for the processing of bank cheques with minimal human intervention. When it comes to the clearance of the bank cheques and monetary transactions, this should not only be reliable and robust but also save time which is one of the major factor for the countries having large population. In order to perform the task of cheque verification, we developed a tool which acquires the cheque leaflet key components, essential for the tas

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21

-, Munugala Tejasree, Sai Yaswanth Reddy Legala -, Guntoju Sirini -, and K. Ambika -. "Online Digital Cheque Clearance and Verification System using Blockchain." International Journal For Multidisciplinary Research 5, no. 2 (2023). http://dx.doi.org/10.36948/ijfmr.2023.v05i02.2703.

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Cheque Truncation System (CTS) is an image based cheque clearing framework used in Sri Lanka. cheque users and commercial banks must need an efficient and a secured system which can clear a cheque within less than 24 hours along with providing integrity and confidentiality to the system. The proposed system is based on the blockchain where all banks willing to take an interest in this framework must connect the proposed blockchain based system to supply the quicker cheque clearance to its clients.

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22

Donald Menezes, Amith, and Prakash Pinto. "Evolution of Payment System." International Journal of Management, Technology, and Social Sciences, June 30, 2017, 45–52. http://dx.doi.org/10.47992/ijmts.2581.6012.0016.

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Abstract:

Clearing has been an important part of the banking system and will always remain a part of it for years to come. Clearing in banking indicates the transfer of fund from one person to another. This clearing of the fund can take place in 2 ways either through cash or through cheque. There has been no major change in the cash transactions except for the changes in the value of money. However, the cheque clearing system has undergone lot of changes. The origin of cheque can be traced back to the first century AD, where banks in and around Persia used to issue letters of credit called “Sakks” where

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23

Aarthi, S. Prabhakaran M., and R.S and Chandan Kumar A.K Narendranath. "ONLINE DIGITAL CHEQUE CLEARANCE AND VERIFICATION SYSTEM USING ETHERUM BLOCKCHAIN." April 8, 2023. https://doi.org/10.5281/zenodo.7981280.

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Abstract:

India uses the Cheque Truncation System (CTS), an image-based check clearing system. The semi-manual approach has some drawbacks and can take up to 3 working days in India to clear an inter-bank national check. Due to the shortcomings of this system, commercial banks and cheque users must have access to an effective and secure system that can clear a check in less than 24 hours while maintaining the systems integrity and anonymity. This study presents an automated solution to the aforementioned problems that might be implemented by any commercial bank in India. All banks interested in particip

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24

Bhasin, Rahul. "Developments in the Payment System Architecture of India." MUDRA : Journal of Finance and Accounting 3, no. 2 (2017). http://dx.doi.org/10.17492/mudra.v3i2.7896.

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The payment and settlement systems are at the core of financial infrastructure in a country. A well-functioning payment and settlement system is crucial for the successful implementation of monetary policy and maintaining the financial stability. This paper examines the various types of Payment systems in India along with the developments aimed at improving the efficiency of Payments system. We analyse both the large value payment systems and retail payment systems. The large value payment infrastructure comprises RTGS, high value clearing, and CCIL. The retail payment systems include MICR/non

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25

Vardhan, Harsh. "Challenges and opportunities in the Indian payments market." Journal of Payments Strategy & Systems, January 7, 2007. http://dx.doi.org/10.69554/lqan4772.

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The Indian payments market, traditionally dominated by cash and other paper-based instruments, is undergoing rapid change, presenting both challenges and opportunities for banks and other players in the payments industry. Part of the momentum is being provided by the Reserve Bank of India (RBI), which has established a board to oversee the development and regulation of the national payments industry, and has stated its vision to implement realtime gross settlement systems, launch cheque truncation capabilities, and create new networks aimed at increasing the role of electronic payments. Broade

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26

Khan, Ahmad Shadab, Shakeb Akhtar, and Mahfooz Alam. "How efficient are Indian banks? An application of stochastic frontier analysis." Journal of Financial Economic Policy, July 4, 2024. http://dx.doi.org/10.1108/jfep-11-2023-0338.

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Purpose This study aims to investigate the efficiency of Indian commercial banks from 2002 to 2018 using the stochastic frontier analysis. Design/methodology/approach This study uses the parametric approach of the stochastic frontier to examine the technical efficiency of banks acknowledging exogenous shocks, omitted variables and measurement errors, filling a gap in the existing financial literature. The scope of this study was constrained to 71 scheduled commercial banks to make it manageable and productive with 1,036 observations. Findings The results show that the mean technical efficiency

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27

"Electronic Banking and Information Technology using the TOPSIS Method." Trends in Finance and Economics 1, no. 2 (2023): 38–47. http://dx.doi.org/10.46632/tfe/1/2/5.

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Electronic banking, sometimes referred to as electronic transfer of funds (EFT), is the process of moving money electronically from one account to another. A 2015 Treasury Department poll found that 22% of mobile telephone owners conduct banking transactions online or over the phone as opposed to in person. They accomplish this via computer technology, telecommunications, and mobile payments. Automatic bill and paycheck deductions, computerized money transfers for online spending, and payment machines (ATMs) are some of its features. In the banking sector, information technology refers to the

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