In this video, Ignacio Mas Deputy Director Bill & Melinda Gates Foundation, talks about stores acting as cash merchants and their basic need to periodically rebalance their cash and e-money holdings. He explains the basic options for doing so, including going to a bank branch. Ignacio lists the three ways in which liquidity can be managed in mobile banking solution outlets. He explains that stores need to be incentivised adequately for (i) the working capital they have tied up in cash and e-value; (ii) the extra security risks they are running; and (iii) the cost and hassle of going to the bank branch to rebalance.