Our experience tells us that it is not so easy to implement systems that are processed both physically at one stage and then electronically, or vice-versa. Also, the third difficulty is getting banks to work together and to cooperate to achieve a certain objective. We have certainly faced these issues in implementing the image cheque clearing system.
But we believe that implementing this system is essential for improving customer services at banks, we also believe that the problems banks talk about are mostly theoretical and imaginary. c)  Mobile Phone Payment System for banks  Our objective with this system is to make it easier for banks to add another element to improve service to their personal customers.