Lockbox help

Hi all ! I will be thankful If someone answers my questions.

1. what’s the main purpose for testing the sample lockbox file with the different business scenarios? And how can I modify a sample Lockbox file and test it for different business scenarios? If it’s not posting fine for a particular scenario, what should I have to do?

2.Is the banking information a necessary detail to have on the Customer master for the lockbox to work fine ( for higher hit rate)

3.I am going to talk to the bank people tomorrow regarding the file format , if they are willing to change according to the SAP format that’s going to be fine. Otherwise, what should I have to do?

4.I am going to talk with our people regarding the lockbox file transmission and what should I have to ask them regarding the file transmission?

Could someone please give me these details briefly,

Points will be rewarded.