Service Innovation - First Republic Bank offered high net worth individuals a "cash truck" service, delivering cash to their homes via armored vehicles [1] - The company aims to solve the ATM problem by delivering cash on demand, combining logistics with finance [4] - The company is exploring mass market potential for cash delivery, similar to DoorDash or Deliveroo [3] Market Opportunity - The company identifies a need to solve the inconvenience of going to the bank or ATM [2][4] - Tipping is highlighted as a common use case for cash, particularly in the American market [2]