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The introduction of Echeq will be a game changer which will able to blend and fulfill the requirements of SME’s of customary practices and the need to forge ahead with nation’s e-Payment agenda. Echeq will by far the leading FinTech solution providing fully electronic cheque issuance and depository system as compared to even the best practices already in place at advanced nations such as U.S. and U.K. which only removes the usage of Cheque Depositing Machine (CDM) in this regard. The other components that we will be addressing the problem statement are as follows;

a) Echeq allows SME’s to print their own cheque just like how large corporation print their own cheque, the additional features in Echeq is, it will print on blank paper at their premises by login to current SME Internet Banking portal, once required signatory sign the cheque it will be deposited via smart phone and the cheque will be processed in “real time”. This will be the most efficient and lowest in cost of cheque processing.

b) Echeq will cater for Inter Bank Cheque, House Cheque, Inter-Branch Cheque and Cash Cheque. Once cheque is deposited, it will process and stored digitally. This will completely eliminate storage and logistic cost that normally accrued for manual cheque processing.

c) Echeq will be deployed and processed by using current Infrastructure such as; SME Internet Banking platform, dedicated secure network between Central Cheque Clearing House and Banks and smart phone with downloadable “Echeq” Apps will be used for depositing cheque.

d) By using the current Infrastructure, Echeq implementation cost will be at minimal, deployment risk will be keep to the lowest and Return of Investment (ROI) potentially can be achieved in less than 3 years.

e) In terms of security, Echeq is the most secured form of cheque transaction with extremely low Risk, because the solution is hosted behind the current SME Internet Banking eco-system.

f) As for the forgery and fraud, the cheque information will be captured in the banking system at source when the cheque is being issued and its details verified when the cheque is presented for payment by the cheque beneficiary making it extremely safe and secure.

Banks – able to save a minimum of $2 on every cheque processed via Echeq and cost saving in manual cheque storage, transportation, Man-Hour cost in Manual Cheque Handling and efficiency has not been factor in.

SME’s – According to NCR white paper, SME’s able to save USD 10 for every cheque deposit via mobile phone alone. Their savings are driven from a trip to & from Bank to deposit cheque, labour, improved cash flow, increased productivity and efficiency. Whereas Echeq provides end-to-end cheque processing solution and cost benefit analysts to process a cheque in “Real Time” is unquantifiable.