Any thoughts on practicalities, costs and efficiencies of the alternatives to brick and mortar banks?
Ex the cell phone banking, use of SPAR ect

For context..
A remote group of people with no real access to banks. They need a place to put money and at times to withdraw it.
The people need to deposit and withdraw.
I know SPAR a person can pay money into your account and then message you a pin and you collect it at any SPAR. Pretty smart. R500 drew a charge of R30 (probably same as a bank given that it was a cash transaction..and it was instant).

Any thoughts ?