It's a Swiss company that converts every shop into a “virtual ATM”. This reduces the cost of cash distribution for banks and eases up in-store cash management for merchants via a location-based on-demand service. Users of the platform can withdraw cash from any of the participating shops using a smartphone. It builds a community around local businesses and helps them generate physical leads while banks save up to 50% in running their ATM operations and optimize their presence. The app also allows banks to expand their services into new regions and increase financial inclusion without any significant capital investment.