Reaching customers without branches.
WHAT AN AGENT IS
A local business providing cash-in, cash-out and basic services on behalf of a licensed institution.
WHY IT MATTERS HERE
It extends financial access far beyond branch networks.
WHAT AGENTS TYPICALLY DO
Deposits and withdrawals Transfers Bill payment Account opening
WHAT THE COMMERCIAL MODEL IS
Commission per transaction, shared between agent and provider.
WHAT LIQUIDITY MANAGEMENT MEANS
Agents needing both cash and electronic balance to serve customers.
WHY IT IS THE CENTRAL OPERATIONAL PROBLEM
An agent without cash cannot pay out; one without balance cannot take deposits.
WHAT TO BUILD
Float monitoring, and alerts when an agent is running low.
WHAT THE RISKS ARE
Agent fraud, including unauthorised charges Transactions debited without cash paid Customer disputes with no independent record Robbery and security
WHAT TO IMPLEMENT
Per-transaction receipts to the customer directly Limits per agent Monitoring for unusual patterns A dispute process reachable without the agent
WHY THAT LAST POINT MATTERS
The agent may be the problem.
WHAT TO MEASURE
Transaction success rate per agent Dispute rate per agent Dormant agents
