Garth Harris, Banks' responsibility for the payment and collection of cheques, Dissertation for LLB (Hons), University of Auckland, 1973.

A regional retailer selling clothes, food and household goods through 20 local outlets required effective, secure and prompt collection of cheques and cash, and was also interested in developing improved checkout procedures.

A financial services organisation with 280 branches in the UK required the following money transmission services: collection of cheques, collection and supply of cash, direct debiting through BACS, and accurate and speedy account reconciliation.