Legal Question in Banking Law in India

If an agent is appointed by giving him power of attorney and such power of attorney is also given to the Bank authorizing the agent to sign cheques on behalf of the principal account holder that is issuing cheque througn attorney. There is Electronic clearance system in India. We are not here to catalogue its merits or demerits. Any system cannot be immune to fraud committing people. Pl. do not use this forum for raising hypothetical and inconsequential questions