pos business/agent — a street-level or shop-based service where individuals (called pos agents or operators) use these machines to offer mini-banking services to the public. this is hugely popular across nigeria due to limited bank branches, cash shortages (especially post-2023 naira redesign), and the push for cashless transactions. people visit "pos stands" or shops to withdraw cash (with a small commission), send money, or pay bills when atms are down or far away. these services exploded in popularity from the early 2010s (boosted by cbn's cashless policy) and became a lifeline during cash crises, making pos agents essential in urban and rural areas alike —