“Our agents are small businesses and people who have lots of traffic from rural areas’ populations in their places. It can be warung and kirana stores, telco stores, small restaurants or even someone’s house,” Kwik said. “They are the perfect profile to become our agents because they’re ubiquitously distributed and have high coverage in rural areas.”

https://techcrunch.com/2020/07/06/payfazz-gets-53-million-to-give-more-indonesians-access-to-financial-services/