I am not rich but I see the trouble into banking payment cheques to different banks. I cannot afford expensive costing of USD2,000 for the apps (Andriod and IOS) + Website with multiple administrators for freelancer registration, customer registration, acknowledgement process and banking payment processing, etc…
I like to create an apps that can easily engage anyone who wish to join in (similar to GRAB or UBER) in any locations and countries that could help to collect payment cheques from customers and deposit the cheques to the appointed banks.
With everyone having smart camera phones (both Andriod and IOS), before depositing the cheques, customer must photo-taking of the cheque (front and back) and click on the bank which they want to be deposited and send to a central processing centre for verification using the appointed apps (just like GRAB or UBER), The Central Processing Centre acknowledged and then automatically saved and send an acknowledgement to customer smartphone of the photo-taking cheques in their smartphones for confirmation
Every collected cheque is chargeable at S$0.50 (or US$0.40) to customer where freelancer cheque collector receive pay of 25%, while my apps collect 75%. The freelancer cheque collector will receive payment in every 7 days. If customer requires drop in cheque in URGENT, an extra S$0.20 is chargeable per cheque at the above rate between my apps and collector. NOTE: Every freelancer cheque collector must be registered with their present photo and take a photo to their National Registration Identification Card (NRIC – only taken the front side of the card).
I have this in mind for more than 10 years, but the fast and high usage of Smartphones, I think it can work.