Youtap’s Digital Agency banking solution enables financial institutions (such as a bank) to partner with non-financial businesses or individuals (known as “agents”) to provide banking services to customers. These agents, who may be retail shops, post offices, or other businesses, are trained and authorized to perform certain banking transactions on behalf of the financial institution. This allows customers to access banking services in locations that may not have a physical bank branch. It can also increase financial inclusion by making banking services more accessible to those who may not have been able to use them before.