Per-Anders Pettersson Stock

CAPE TOWN, SOUTH AFRICA - MAY 5: An employee of a bank checks an identity document via mobile phone as he sells accounts on the street on May 5, 2011 in Khayelitsha, the poorest and largest township outside Cape Town, South Africa. Standard Bank, one of the leading South African banks, is trying to replace ATM and branch based banking with so called Bank shops, where local small shops and business people provide transactions such as purchases and deposits of money. The accounts are mainly used for cell phone banking, accounts which have lower transaction fees. The new business is bringing additional traffic to small businesses in the township and the bank doesn't have to worry about vandalized ATM machines and security and cost for transporting physical cash. (Photo by Per-Anders Pettersson/Getty Images)