So right away you are adding another level of interaction. And the shopkeeper won't actually know who is in front of them (when 5 people with the app active are in the queue). I spoke to a number of people yesterday who would be prospective clients (not users) and all of them said they would only be interested if it was built into their POS. They want to be able to scan the app screen on the customers phone and everything else is automated. If they have to use a tablet/phone/PC to manage the points they wouldn't even consider signing up.You are right about the funding, we want (have) to start slow and build it through hard work. We wont get funding for this! I dont think so anyway.
Join UKBF as a full member and you can get the app and the admin reviewed and ripped to shreds so that it's perfect when you come to launch.
Don't take the criticism personally, the advice will be all good and if taken on board will see some big improvements. Just looking at your site I can already see issues with the app GUI.
And you need to sort out the site URL urbanmob.co.uk doesn't work. It sends me here: http://urbanmob.co.uk/defaultsite
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