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.

在数字化转型时代，将数字技术整合到银行业务的各个方面可以提高流程自动化、成本效率和服务水平。本文针对 ATM 现金补充的物流问题，提出了广义车辆路径问题的数学模型，并提供了评估各种情况的工具。在模拟数据集上评估时，我们提出的模型和方法取得了令人鼓舞的结果，可以削减 ATM 现金运营成本。