ATM Cash Management

ATM Cash ManagementATM Cash Management determines bank branch and ATM cash replenishment to reduce carrying costs, cash in the network, and delivery costs.

Typical users are retail banks.


Retail banks need to have cash available at their ATMs.  If there is too much cash at the ATMs, the interest and insurance costs will be high, while delivery costs will decrease.  Delivering too often means unused cash is cash that was deployed and is now being returned without ever being used.  If there is too little cash in the ATMs, this will increase the number of deliveries, the number of unplanned deliveries, increase customer dissatisfaction, but reduce interest and insurance costs.  Balancing the optimal time to make deliveries and the optimal quantity of cash to stock at each ATM requires advanced analytical techniques to help solve this problem.


Cash Management Optimization helps banks determine when to re-stock ATM machines and with the right amount of cash.  It can help banks manage the trade-offs between costs and service to make the right decision based on the strategy of the bank.  Additionally, banks can determine if other ATMs should be re-stocked because a nearby ATM is already set to be re-stocked.  This type of solution can reduce cash in the system by upwards of 50% and reduce logistics costs by close to 35% without reducing service levels.

Resources on ATM Cash Management:
A Framework to Analyze Cash Supply Chains