Optimizing ATM-Network as a Factor for Increasing the Efficiency of Bank Activities in the Sphere of Payment Systems
Journal Title: Бізнес Інформ - Year 2015, Vol 11, Issue 0
Abstract
In the current context, which is characterized by a high level of competition in the market of bank services, increasing the efficiency of the bank activities in the sphere of payment systems acts as a priority task. To the promising directions for increasing efficiency of bank activities in the sphere of payment systems belongs optimization of ATM-network, aimed at reducing costs on maintenance, increase of temporal and territorial availability of banking services for customers. The article examines the following directions for increasing efficiency of ATM-network: improving location of ATMs, cash collection, as well as optimizing the placement of banknotes in the ATMs. In order to optimize location of ATMs, is practicable to use prognostic models of calculation of income, rating based models or map services that allow to visualize the geography of use of payment cards and places of customers concentration. In addition, it is determined that, due to security requirements, optimization of cash collection should be aimed at maximizing the number of concurrent collections. Improving the placement of banknotes in the ATMs involves determining the amount that must be loaded into an ATM, to prevent untimely running out of banknotes or loading excessive cash.
Authors and Affiliations
Volodymyr Chernomor
Keywords
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