Don't you have university library? I did most of the recommend readings through my studies and found them all there (excepted for one). Ended up being a two reference books which prove themselves to be worth it.
I am french, I use cheques , I also use wire transfers and many other bank option but I hope more place would accept my cheque. Also cheque transaction are tracjed and accounted just like others.
Meanwhile, many africans speak 2 languages in their family, a third one for people that don't speak one of theses two and have studied french and english.
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