How does the cash end up at the branch?
Even though banking transactions are processed in real time, the settlement of cash between the agent and its financial institution often happens hours later. In case the volume of cash-in and cash-out is balanced, i.e., the agent does not run out of cash to be able to service client withdrawals, but also does not reach a maximum cash limit, the agent can continue operating. However, especially at the end of the month when many clients pay their bills or when salaried workers withdraw their salaries at a specific day, the agent risks having a liquidity problem. In that case, a contracted cash transport company has to pick up surplus funds, or provide additional cash. In some countries, like Brazil, the agent himself can make a deposit, up to a certain amount, at the nearest branch.
