mamaATM is designed and developed to provide agency banking services and other utilities services with embeded cutting edge technologies. Agency Banking services refer to the delivery of financial services (e.g money transfer, cash withdrawal, Account Balance, Bank Account Opening etc) outside conventional bank branches by using retail outlets (Supermarket, Grocery, Pharmacy, Bookshop, Filling Station, etc) that rely mainly on POS or mobile phone (STK) technologies for realtime transactions.