There is an ingrained belief of people using money (currency notes) for transfers and that gives them a sense of transaction completed when the money is in their hands.

The newer generation also has been programmed to do it the same way, because they have been seeing it all their lives – remittances = visit to MTO = get cash.

Physically placed MTOs also know that the only way to sustain this is to ensure that a relationship with the receivers can be maintained, so that is an added bond – the human relationship bond that is difficult for digital marketers for mobile money operators to break.