Regarding APP

Hi,
What purpose we use No optimization,Optimize by bank group and Optimize by postal code in Payment method in company code.
Regards,

At OBVU
Do Not Perform Bank Optimization
Means that no optimization occurs during selection of own bank and bank    of business partner.
Carry Out Bank Selection by Bank Group
Use :Specifies that you wish the system to optimize the payment process by selecting the optimal pair of banks (yours and the customer's/vendor's).
All banks can be divided up into groups for this purpose (you specify the composition of these groups).
When carrying out payment optimization, the payment program will always attempt to select two banks that belong to the same group.
In bank master data, you determine the bank group to which a bank belongs.
Carry Out Bank Selection by Postal Code
Determines that the payment program should pay the item from your house bank which is geographically nearest to the city of residence of the customer/vendor.
Use : Assign a postal code interval to a bank when configuring the payment program.
This enables the payment program to issue checks to several different banks based on the city of residence of the customer/vendor.

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