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Cash Management in one system.


Asseco Cash Management (Asseco ACM) is a versatile solution that provides comprehensive support for cash management processes in financial institutions. The system streamlines the processing of financial operations in all cash points, including bank branches, cash vaults, ATMs, cash deposit machines and night depositories.

Asseco ACM is designed for cooperation with the bank’s internal systems as well as any third-party systems that support cash devices.

A unique functionality for optimization of cash transports allows for quick and cost-effective planning of interventions.

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Key features and main tasks of Asseco ACM

  • Comprehensiveness. Provides support throughout the whole process of cash management.
  • Integrity. Consolidates and coordinates processes distributed throughout multiple systems.
  • Efficiency. Ensures accurate forecasting, optimal planning and effortless communication to improve the productivity of a team.
  • Flexibility. Can be adapted to the business model of a financial institution to simplify the implementation.
  • Scalability. Guarantees high performance regardless of the size of the bank’s cash point network.
 

The system supports more than 5,000 ATMs.

Increase productivity by 20%.

Short breakeven time - after 6 months

Simple modular management.

Full control and automation of cash turnover.

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Optimized cash transportation

A unique functionality for optimization of cash transports allows for quick and cost-effective planning of interventions, including transport dates and amounts of cash loads in compliance with the adopted limits.

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Comprehensive set of interfaces

Asseco ACM is designed for cooperation with the bank’s internal systems as well as any third-party systems that support cash machines.

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Security policy

Asseco ACM is a banking system with some functionality available for external use. Therefore, the application has a number of sophisticated security features.

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Technology and architecture

The system is based on three-layer architecture. The application can be launched from an Internet browser, without the need of being installed on individual workstations.

Cash management process supported by Asseco ACM

Import

Asseco ACM starts with retrieving data from external systems through the “Import” module.
The information packet used by the application includes historical and current turnovers, cash balances, as well as data on the technical condition of devices. The next step is to verify and process such source data in order to supplement any missing values and correct any errors.

Forecasting

The “Forecasting” module uses statistical models to estimate the amounts of future turnovers and cash balances in every cash point based on its historical data. 

Planning

Once the prediction of future cash balances is made, the “Planning” module creates a schedule of cash transports, the so-called “intervention plan”. An intervention plan contains proposals for most efficient transport dates and amounts of cash loads and returns. The plan is available to authorized users for verification, correction, approval or rejection.

Order Management

After the “intervention plan” is accepted, the system submits orders to the “Order Management” module which is used for the preparation and execution of cash transports as well as for communication with cash handling companies. Each step of the order execution process is being recorded – from the order initiation, through all phases of acceptance, until the confirmation and closure. This approach makes it possible to carry out all the necessary audits.

Monitoring

The “Monitoring” module allows for continuous surveillance of cash balances and turnovers in cash points as well as the technical condition of equipment. 

Export

In the final stage, the “Export” module generates reports for external systems containing information on planned and executed orders, accounting notes, data to be stored in the data warehouse, etc.

Cash management process supported by Asseco ACM

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Import
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Forecasting
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Planning
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Order Management
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Monitoring
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Export

Asseco ACM starts with retrieving data from external systems through the “Import” module.
The information packet used by the application includes historical and current turnovers, cash balances, as well as data on the technical condition of devices. The next step is to verify and process such source data in order to supplement any missing values and correct any errors.

Następny krok

The “Forecasting” module uses statistical models to estimate the amounts of future turnovers and cash balances in every cash point based on its historical data. 

Następny krok

Once the prediction of future cash balances is made, the “Planning” module creates a schedule of cash transports, the so-called “intervention plan”. An intervention plan contains proposals for most efficient transport dates and amounts of cash loads and returns. The plan is available to authorized users for verification, correction, approval or rejection.

Następny krok

After the “intervention plan” is accepted, the system submits orders to the “Order Management” module which is used for the preparation and execution of cash transports as well as for communication with cash handling companies. Each step of the order execution process is being recorded – from the order initiation, through all phases of acceptance, until the confirmation and closure. This approach makes it possible to carry out all the necessary audits.

Następny krok

The “Monitoring” module allows for continuous surveillance of cash balances and turnovers in cash points as well as the technical condition of equipment. 

Następny krok

In the final stage, the “Export” module generates reports for external systems containing information on planned and executed orders, accounting notes, data to be stored in the data warehouse, etc.

Functional Modules

  • Forecasting Module
  • Planning Module
  • Order Management Module
  • Monitoring Module
  • Reporting Module
  • Administration Module
  • Import/Export Module
  • SUM Module

The Forecasting module calculates the predictions of future cash balances for the supported cash points basing on historical data and statistical forecasting models.


Key features of the module:

 

  • generating forecasts for all types of supported cash points: ATMs, cash deposit machines, night depositories, bank branches, cash vaults
  • ability to forecast the balances of cash for new cash points with no historical data available
  • supporting all currencies defined for a given cash point
  • possibility to define unusual events and bank holidays
  • advanced methods for detecting and compensating any missing data, errors and anomalies in historical data

The Planning module allows for the preparation of a transportation schedule while minimizing the costs and maintaining cash liquidity.

 

Key features of the module:

 

  • automated preparation of a detailed intervention plan, including dates and amounts of cash transportation
  • minimizing the cost of cash management 
  • optimization within the existing organizational constraints, i.e. cash point maintenance windows, convoy schedules
  • supporting the closed cash deposits
  • generating the intervention plans upon the user’s request
  • possibility to manually modify a generated plan (i.e. removing or adding interventions, changing the parameters of existing interventions, etc.)
  • advanced user alerting (i.e. in the case of undefined transport prices, reaching the critical limit, recommendation changes, etc.)

The Order Management module is designed to manage the process from the very moment of placing a transport order until it is executed and closed. The module also allows for effective management of the related document flow.

 

Key features of the module:

 

  • supervision and monitoring: order registration, gathering the required acceptance, sending to execution, tracking the transportations, acknowledgment of receipt, possibility to undo an acceptance and edit orders at the selected levels of authorization.
  • support for all the below mentioned processes:
    • supply/return of cash to/from bank units
    • dispatch/collection of cash packets to/from contractors
    • loading/unloading of ATMs, CDMs and night depositories
    • transporting cash between bank units 
    • acquisition/disposal of cash from/to other banks or the central bank
    • transporting cash between bank vaults
    • order corrections
    • equipment service
  • automated issuing of orders based on the intervention plan
  • electronic document flow
  • accounting and billing for transportation costs

The Monitoring module is responsible for monitoring and reporting on current balances of cash held in individual cash points, as well as generating alerts for user-definable levels of cash and events.


Key features of the module:

 

  • monitoring of current cash balances with a maximum available level of detail (i.e. amount of cash in individual ATM cassettes, amount of cash in bank vaults and branches broken down by currency and denomination)
  • alerting on defined cash levels (normal, warning, critical)
  • alerting on defined events (i.e. permanent lack of cash supply, cash balance for inactive denomination)
  • monitoring the actual use of defined limits
  • monitoring the technical condition of devices

The Reporting module provides quick access to all the data collected in Asseco ACM which is used in the cash management process.


Key features of the module:

 

  • multi-dimensional analysis at different levels of detail
  • set of predefined reports 
  • advanced report customization according to the needs of individual users
  • ability to integrate with external Business Intelligence systems

The Administration module supports the management of dictionaries and system parameters, operators, and allows for the configuration of cash points.


Main areas of the system administration:

 

  • cash points – a list of cash points, limits, cash levels (maximum, warning, critical)
  • cash points hierarchy – for defining and managing hierarchies
  • currencies supported in particular cash points
  • planning and transport groups
  • cash flows
  • rates and prices of cash handling (freezing, counting and transportation)
  • boundary parameters for individual modules
  • calendar of unusual events
  • calendar of holidays
  • schedules of imports from external systems

The Import/Export module is responsible for communication with the system environment. It enables integration of the system with the help of file, database and web service interfaces.


Import:

 

  • importing and integrating data from external systems 
  • data cleaning and pre-processing 
  • monitoring the system data supply
  • importing data on cash balances and turnovers, technical condition of devices, as well as other data needed during the process, i.e. foreign currency exchange and reference rates.

 

Export:

 

  • generating data to the bank’s external systems
  • generating accounting notes
  • generating data on planned and executed orders

The SUM module is used to manage authorizations, roles and the lists of users authorized to access the application.


Key features of the module:

 

  • managing the system user accounts
  • managing the user password requirements
  • possibility to use an external authentication system
  • managing user roles and privileges, ability to define a custom authorization model
  • view of user activities history

Functional Modules

  • Forecasting Module

    The Forecasting module calculates the predictions of future cash balances for the supported cash points basing on historical data and statistical forecasting models.


    Key features of the module:

     

    • generating forecasts for all types of supported cash points: ATMs, cash deposit machines, night depositories, bank branches, cash vaults
    • ability to forecast the balances of cash for new cash points with no historical data available
    • supporting all currencies defined for a given cash point
    • possibility to define unusual events and bank holidays
    • advanced methods for detecting and compensating any missing data, errors and anomalies in historical data
  • Planning Module

    The Planning module allows for the preparation of a transportation schedule while minimizing the costs and maintaining cash liquidity.

     

    Key features of the module:

     

    • automated preparation of a detailed intervention plan, including dates and amounts of cash transportation
    • minimizing the cost of cash management 
    • optimization within the existing organizational constraints, i.e. cash point maintenance windows, convoy schedules
    • supporting the closed cash deposits
    • generating the intervention plans upon the user’s request
    • possibility to manually modify a generated plan (i.e. removing or adding interventions, changing the parameters of existing interventions, etc.)
    • advanced user alerting (i.e. in the case of undefined transport prices, reaching the critical limit, recommendation changes, etc.)
  • Order Management Module

    The Order Management module is designed to manage the process from the very moment of placing a transport order until it is executed and closed. The module also allows for effective management of the related document flow.

     

    Key features of the module:

     

    • supervision and monitoring: order registration, gathering the required acceptance, sending to execution, tracking the transportations, acknowledgment of receipt, possibility to undo an acceptance and edit orders at the selected levels of authorization.
    • support for all the below mentioned processes:
      • supply/return of cash to/from bank units
      • dispatch/collection of cash packets to/from contractors
      • loading/unloading of ATMs, CDMs and night depositories
      • transporting cash between bank units 
      • acquisition/disposal of cash from/to other banks or the central bank
      • transporting cash between bank vaults
      • order corrections
      • equipment service
    • automated issuing of orders based on the intervention plan
    • electronic document flow
    • accounting and billing for transportation costs
  • Monitoring Module

    The Monitoring module is responsible for monitoring and reporting on current balances of cash held in individual cash points, as well as generating alerts for user-definable levels of cash and events.


    Key features of the module:

     

    • monitoring of current cash balances with a maximum available level of detail (i.e. amount of cash in individual ATM cassettes, amount of cash in bank vaults and branches broken down by currency and denomination)
    • alerting on defined cash levels (normal, warning, critical)
    • alerting on defined events (i.e. permanent lack of cash supply, cash balance for inactive denomination)
    • monitoring the actual use of defined limits
    • monitoring the technical condition of devices
  • Reporting Module

    The Reporting module provides quick access to all the data collected in Asseco ACM which is used in the cash management process.


    Key features of the module:

     

    • multi-dimensional analysis at different levels of detail
    • set of predefined reports 
    • advanced report customization according to the needs of individual users
    • ability to integrate with external Business Intelligence systems
  • Administration Module

    The Administration module supports the management of dictionaries and system parameters, operators, and allows for the configuration of cash points.


    Main areas of the system administration:

     

    • cash points – a list of cash points, limits, cash levels (maximum, warning, critical)
    • cash points hierarchy – for defining and managing hierarchies
    • currencies supported in particular cash points
    • planning and transport groups
    • cash flows
    • rates and prices of cash handling (freezing, counting and transportation)
    • boundary parameters for individual modules
    • calendar of unusual events
    • calendar of holidays
    • schedules of imports from external systems
  • Import/Export Module

    The Import/Export module is responsible for communication with the system environment. It enables integration of the system with the help of file, database and web service interfaces.


    Import:

     

    • importing and integrating data from external systems 
    • data cleaning and pre-processing 
    • monitoring the system data supply
    • importing data on cash balances and turnovers, technical condition of devices, as well as other data needed during the process, i.e. foreign currency exchange and reference rates.

     

    Export:

     

    • generating data to the bank’s external systems
    • generating accounting notes
    • generating data on planned and executed orders
  • SUM Module

    The SUM module is used to manage authorizations, roles and the lists of users authorized to access the application.


    Key features of the module:

     

    • managing the system user accounts
    • managing the user password requirements
    • possibility to use an external authentication system
    • managing user roles and privileges, ability to define a custom authorization model
    • view of user activities history
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Business Benefits

  • Financial liquidity

    Reducing the risk of insufficient or excessive liquidity at cash points – maximization of bank revenues and customer satisfaction
  • Cost savings

    Lower cost of cash management achieved by optimizing cash balances and the number of interventions
  • Straightforward standards

    Improved efficiency of cash management – implementation of uniform processing standards and streamlining the flow of information between participants
  • Full control

    Enhanced control and automation of cash management
  • Optimum profits

    Rapid return on investment by significantly reducing and optimizing the use of cash resources
  • Security

    Processing of confidential data requires special protection.  Asseco ACM meets the highest security standards
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