cash management · most innovative software solution ... of cash absence and provide all needed...
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1Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Cash Management.iQ
Automation, Optimization, Managementand control of cash flows
www.cashmanagementiq.com
December, 2017
2Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
1992 – Penki kontinentai group was founded in Vilnius
1998 - ASHBURN Internationalaffiliated company was founded
1998 – Penkių kontinentų komunikacijų centras affiliated company was founded
2001 – Penkių kontinentų bankinės technologijos (BS/2)affiliated company was founded
2004 – Skaitmeniniosertifikavimo centras (SSC) affiliated company was founded
2005 – Penkių kontinentųInvesticijos affiliated company was founded
Group of CompaniesPenki kontinentai
3Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Solutions for banksand retail
IT solutions E-signature (PKI) Telecommunication Media Investments
Software solutions
Technicalmaintenance
(service)
Bankingequipment
IT services
System Administration
Cloud Solutions
Infrastructuralimplementation
Issuing of E-signaturecertificate
Software implementationFor E-signature
Implementation ofpublic key
architecture
Issuing of SSLcertificate
PENKI TVchannel
Video studio
Specializedweb-portal
Infrastructuralimplementation
Live video broadcasting
Real estateinvestment
IP telephony
Internet
Trainingand certification
Loyalty programs
IPTV
Softwaredevelopment
Monitoring
Monitoring
Smart House(projects, realization,
monitoring)
Business dimensions ofPenki kontinentai
4Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Global reach:
Our solutions and services are widely known in 78 countries all around the world
Head office in Lithuania.Affiliated companies: Azerbaijan | Georgia | KazakhstanKyrgyzstan |Latvia | Uzbekistan | Estonia
5Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
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Successful usage of IT process management system in accordance with ITIL v3 recommendations
Annually approved ISO 20000 and ISO 27001standard compliance
Solutions developed by BS/2 have got audit certificates of conformance for the PCI PA-DSS (Payment Application Data Security Standard)requirements
Certificates
6Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Awards and prizes
Diebold Nixdorf / Wincor Nixdorf:
▪ Special Achievement Banking 2007, 2013, 2014, 2017▪ Best Banking Solution 2012, 2013, 2016▪ Best Banking Service 2002, 2003, 2012, 2013, 2014▪ Most Innovative Software Solution 2004, 2005▪ Most Innovative Concept 2002, 2003, 2004, 2005
ATM Industry Association:
▪ Best ATM Security Technology 2002
Lithuanian Confederation of Industrialists:
▪ Innovation prize 2016▪ Product of the year 2001, 2005, 2006, 2007, 2008, 2012
7Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
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СЕРТИФИКАТЫTechnologicalpartners
8Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
▪ All-round IT service outsourcing
▪ Software development, sales, installation, integration and maintenance
▪ Technical maintenance and repair of banking, telecommunication, acquiring and retail equipment
▪ Monitoring of IT infrastructure
▪ Staff training and consulting
▪ Spare part service
Penkių Kontinentų Bankinės Technologijos
9Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
▪ More than 300 talented professionals
▪ More than 20 years of partnership with Diebold Nixdorf
▪ 7 affiliated companies in Azerbaijan, Uzbekistan, Georgia,
Kazakhstan, Kyrgyzstan, Latvia and Estonia
▪ 78 countries of operation
▪ About 700 international customers
▪ More than 90 partners all around the worlds
25 years on the market:
10Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
The .iQ software family products
11Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Automation, Optimization, Managementand control of cash flows
Cash Management.iQ is the .iQ family software solution that allows controlling cash flows in cashpoints such as: ATMs, ATS, payment kiosks, bank branches, vaults and others. The solution provides cash flow automation and increases the availability of cashpoints with optimal amount of cash.
Using the system, banks and other organizations are able to reduce their daily expenses on cash flow support and increase efficiency of cash, personnel and other resources usage.
12Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Fields of application
The solution can be applied for various industries
Other companies (hippodromes, pawn
shops, casinos)
Retailcompanies
Postalservice
Financial andcredit institutions
13Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Main benefits
Disengage up to 25% of unused cash from the total volume by avoiding situations ofcashpoints overload and excessive encashment. The system automatically recognizesparticular objects with cash need and counts accurate size of replenishment. The routeplanner is able to build optimized and safe routes for cash-in-transit vans.
Automation and optimization
Detailed cash flowmonitoring
Increase availability of cashpoints
Savings and costs optimization
Increase of the security level
Schedule and make cash orders in proper time for self-service devices, bank vaults and branches. Gathering and processing of historical data helps to make true cash forecast for each object.
Provide stable and reliable services. Proper and well-timed encashment satisfy customers’ needs and increases the loyalty level. The system is able to reduce ATM idling time by the reason of cash absence and provide all needed banknote values in ATMs, bank branches and vaults.
Get complete real-time information about money presence in self-service devices, bank vaults, branches, and during its transportation. Service monitoring of ATM equipment together with proactive notifications allows reducing the response time.
Use flexible access management with limits by functions, operational zone, cashpoint types to minimize a human factor during calculations and other operations and prevent any sort of miscounts.
14Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Features
Support of terminal equipment of world known vendors
CIT costs accounting
Flexible limit control
Integration with external IT systems
Night depositorycontrol
Worn-out banknotesaccounting
The system operates with world known vendors of ATMs and other self-service terminals with the Cash-In, Cash-Out and Recycling functions. The system can be integrated with any kind of new terminal equipment (ATMs, payment kiosks and others).
The functionality for the automatic correction of cash limits during holidays or salary periods. That make your system really flexible to the real conditions and challenges of work.
The special functionality that allows to determine CIT costs and provide relevant reports on the basis of factors such as staff, cash transportation and loaded or unloaded cash amount cost.
The possibility of integration with external systems: ATM controller systems, processing centers and other external systems. It helps to increase security level and efficiency of work.
Night depository control tools for accounting of cash flows when the day-closing procedure is performed. It allows accountants to separate these operations from regular ones and get current state of cash presence and needs for each cashpoint.
The functionality allows controlling the level of worn-out cash in regional vaults and bank branches. This function provides the opportunity to detect and select damaged and old banknotes and return it to a central bank.
15Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Work places
For convenience and security reasons Cash Management.iQ consists of separate functional modules. Flexible access control allows employees to work only with the functionality they need for everyday work.
Cash flow monitoring for the whole network of
cashpoints
Cash Orders planning and control
Control of Cash balance in vaults
and bank branches
Control of cash delivery teams, delivery routes and
delivery stages
Cash point
Monitoring.iQ Cash Order.iQ Vault.iQ CIT.iQ
16Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Special tools for cash monitoring
Detailed monitoringof objects
Cashpointlocation on the map
Control of CIT routes
Analyticalreports
▪ Cash balance in each cashpoint by currencytypes and denominations
▪ Forecasted and actual cash loads for each cashpoint by currency and denominations
▪ Current service status of objects: “not enough cash”, “cash is over”, “long idling”, “on-service” and others
▪ Cashpoint load efficiency report
▪ Geographical cashpoints position on the map (with filtration by cashpoint status)
The Cashpoint Monitoring.iQ module provides information about:
17Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Cash Orders planning and control
The Cash Order.iQ planning module gives opportunity to calculate optimal cash load and replenishment frequency by denominations and currencies for each cashpoint and make orders for delivery and refund of cash and other valuables (securities, metals, etc.) in manual and automatic mode
The system also help to control over the balance of vaults and keep the necessary amount of funds to reinforce all cashpoints in a particular region or operation zone.
1
• Automatic calculation of optimal cash load
2
• Calculation of optimal replenishment frequency
3• Cash Order Management
4• Cash balance control
18Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Cash Delivery control
The CIT.iQ module provides an ability
▪ To track cash delivery process at each stage on daily
operations basis
▪ Manage cash delivery teams
▪ Manage delivery routes
1• Accept/Decline Cash Orders
2• Cash acceptance in vault
3• Cash preparation for transportation
4• Cash delivery by CIT squad
5• Cash load for cashpoints
6• Delivery of returned cash delivery
7
• Cash acceptance in vault and accounting
19Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Cash balance control
Manual calculation Automated calculation
Cash Management.iQ system automatically controls the cash balance in all cashpoints processing the following data:
▪ Amount of loaded cash
▪ Withdrawn cash amount
▪ Accepted cash amount
▪ Amount of returned cash
Cash load
Cash Out
Cash In
Cash return
$
$
20Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Monitoring
Planning
Order making
Order acceptance
Dealer, Senior dealer
Dealer, Senior dealer
Senior dealer
Balancing
Senior cashier
Cashier
Cashier
Vault monitoring Senior cashier
Cash delivery, cash load/return
Senior CIT guard
Cash Order.iQ
Vault.iQ
Vault.iQ
CIT.iQ
Vault.iQ
Cash preparation
Cashpoint Monitoring.iQ
Cash Order.iQ
Vault.iQ
Automation and control at each stageof the whole processes
Work placeOperationFunctional module
21Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Savings with Cash Management.iQ
Cash Management.iQ system implementation can significantly minimize your expenses:
▪ By optimal planning of replenishments and reducing the extra replenishments amount
▪ By optimal planning of cash loads and reducing unused cash amount in your cashpoints
Cost of extra cash loads
Estimate your expenses
22Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Showcase
▪ Common ATM: CashOut, 4 cassettes
▪ Average cassette loading: 2000 notes
▪ Average daily holding per ATM: $ 80 000
Annual interest rate Daily cost per ATM
1% $ 2,19
3% $ 6,57
5% $ 10,95
Average $ 6,57
▪ Average ATM replenishment cost: $ 15
▪ Average ATM replenishment frequency: 2 times per week
▪ Annual replenishments cost per ATM: $ 1560
Given conditions
23Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Showcase
Reducing the amount of extra replenishments by 10% $ 0,43 daily $ 156 annually
For the network Daily savings, $ Monthly savings, $ Annually savings, $
250 ATMs 272,5 8 175 98 400
500 ATMs 545 16 350 196 800
1000 ATMs 1090 32 700 393 600
Total savings per ATM $ 1,09 daily $ 393,6 annually
Reducing the extra cash amount by 10% $ 0,66 daily $ 237,6 annually
Estimated economy of 10% gives the following profits:
Possible economy of funds up to 25%
24Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Return of investments
Implementationexpenses
Economy
Payout18 – 24 month
25Cash Management.iQ presentation © Copyright 2017 BS/2. All rights reserved.
Thank you
for attention!
PENKIŲ KONTINENTŲ BANKINĖS TECHNOLOGIJOS (BS/2)
Lithuania, LT-08248, Vilnius, Kareiviu str. 2
Tel.: +370 526 [email protected] www.cashmanagementiq.com
[email protected] www.bs2.lt