The decline in cash handled by mobile money agents can be attributed to the high cost of living, leading to consumers focusing on small value transactions and discretionary spending. However, the volume of mobile money transactions has increased, indicating that agents are handling more lower-value transactions. Despite disruptions from alternative payment channels, mobile money agents remain important, especially in suburban and rural areas where they are at the center of mobile money deals. As consumers increasingly favor transactions beyond deposits and withdrawals, the role of mobile money agents is expected to evolve. Telecommunication providers may need to redefine the role of agents, potentially utilizing them for last-mile delivery in e-commerce and logistics.