the following Instruments of Exchange include:

1.) BARTER

Barter involves directly exchanging goods or services without relying on money as a medium of exchange.

2.) BILLS OF EXCHANGE

A bill of exchange is a formal written agreement in international trade that requires one party to pay a specific amount to another on a future date or upon request.

3.) ELECTRONIC TRANSFER

An electronic transfer moves money between bank accounts using digital systems like online banking or mobile apps, eliminating the need for paper transactions.

4.) TELE-BANKING

Tele-banking allows customers to conduct financial transactions such as fund transfers, balance inquiries, and bill payments using a telephone service.

5.) E-COMMERCE

E-commerce refers to the online purchase and sale of products and services through digital platforms like Amazon and eBay.

6.) CHEQUES

A cheque is a written instruction to a bank, directing it to transfer a specified amount of money from the issuer's account to a named payee.

7.) MONEY ORDER

A money order is a prepaid certificate used to send guaranteed payments to a recipient, offering a secure alternative to cash or personal cheques.

8.) DEBIT CARD

A debit card enables direct payments and purchases by withdrawing money instantly from the cardholder's bank account.

9.) CREDIT CARD

A credit card allows users to make purchases on credit, with payments deferred to a later date. Cardholders can pay the total amount or make partial payments according to the issuer's terms.

10.) BANK DRAFT

A bank draft is a payment method where a bank guarantees funds to the recipient by issuing the payment from its own reserves instead of the customer's account.

11.) TELEGRAPHIC MONEY TRANSFER

A telegraphic money transfer is a fast electronic process for sending money, often used for international transfers through services like Western Union.

12.) BANK TRANSFERS

A bank transfer is the movement of funds between bank accounts, either within the same financial institution or across different banks.

13.) M-MONEY

M-money, also known as mobile money, allows users to store, send, and receive funds through mobile devices, supporting cashless transactions via mobile applications.