A financial services system comprising a financial services server, and a plurality of user terminals, the financial services server and the financial services kiosks being connected via a network; the financial services server providing a database to store a plurality of records, each record having an account number as a key value; each of the financial services kiosks comprising a biometric interface for requesting a user's biometric data for storing with the account; and means for handling e-wallet cash information of the user; and wherein at least one user terminal is adapted as a cash out terminal to provide cash payout of the users e-wallet to the user upon authentication by means of the biometric interface and the stored biometric data.