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.

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