Firm will scale up value-added services like insurance at point-of-sale terminals, micro ATMs, says new CEO Ketan Patel. : Mswipe Technologies, PoS player which is backed by Ratan Tata Associates promoted fund, is looking to morph into a digital SME bank in next four to five years. It will be a niche bank focused on small merchants and their needs. As a part of plans, it will scale up value added services like insurance at point-of-sale terminals and micro ATMs, said its new chief executive Ketan Patel.