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每个环节有助于提升流程自动化、成本效率和服务水平。尽管ATM现金物流是一项影响运营成本和客户满意度的关键任务，但针对其优化的努力仍显不足。特别是在越南，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稀缺。本文对ATM现金补充的车辆路径问题进行了泛化处理，提出了一个数学模型，并进一步提供了一种工具以评估多种情景。在模拟数据集上进行评估时，我们提出的模型和方法取得了令人鼓舞的结果，有效降低了ATM现金运营成本。