In his budget speech,Uhuru said something to the effect that the financial institutions (banks,DTMs) shall be allowed to operate through agents. That means Bank A can walk into town X,and instead of opening a branch,appoint Y as their agent (simplified). If I was Bank A,I would appoint a guy with liquidity and who is conveniently located. That usually would be the retailer.
If it looks clean,it keeps your pockets clean. I mean,look at the soil...