Branchless banking channels have grown with wider use of mobile banking, point-of-sale terminals at merchant establishments and pre-paid payment instruments. Customers are now demanding more from their banks in terms of offerings, access and quality of service. This has led to banks focusing their efforts on offering additional channels and value-added services that suit customers’ lifestyles and reduce service turnaround time. The impact can be seen with many banks launching newer versions of mobile banking apps as well as prepaid payment apps catering to customers’ specific payments needs.