In the digital transformation era, integrating digital technology into every aspect of banking operations improves process automation, cost efficiency, and service level improvement. Although logistics for ATM cash is a crucial task that impacts operating costs and consumer satisfaction, there has been little effort to enhance it. Specifically, in Vietnam, with a market of more than 20,000 ATMs nationally, research and technological solutions that can resolve this issue remain scarce. In this paper, we generalized the vehicle routing problem for ATM cash replenishment, suggested a mathematical model and then offered a tool to evaluate various situations. When being evaluated on the simulated dataset, our proposed model and method produced encouraging results with the benefits of cutting ATM cash operating costs.

翻译：在数字化转型时代，将数字技术融入银行业务的各个环节能够提升流程自动化水平、成本效率及服务质量。尽管ATM现金物流是影响运营成本和客户满意度的关键任务，但相关优化研究仍十分有限。尤其在越南，全国拥有超过2万台ATM的市场中，能够解决这一问题的研究和技术解决方案依然匮乏。本文对ATM现金加钞的车辆路径问题进行了泛化，提出了数学模型，并开发了评估多种情景的工具。在模拟数据集上的评估结果表明，我们所提出的模型和方法取得了令人鼓舞的成果，能够有效降低ATM现金运营成本。