MyTM empowers retailers and merchants by offering a one-stop solution to meet the financial needs of the banked, unbanked, and under-banked simultaneously. Customers can pay bills, buy intercity tickets, or apply for and repay loans at MyTM-enabled outlets without needing an Android phone or a prepaid digital account. MyTM introduces a hybrid model that allows both cash-based and cashless transactions to be carried out at the same time. Focused on financial inclusion, MyTM’s customer-centric approach enables seamless transactions through its consumer app and retail network. The retail network plays a key role in educating customers and assisting them in real-time problem-solving.