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NCR APTRATM

CASH MANAGEMENT SOLUTIONSAn intelligent approach to cost and supply

The cost of cash

The cost of cash usage is often poorly measured and it is hard to be definitive as to the cost per transaction or the total cost of cash handling. But one thing is for sure, the cash supply chain is rarely optimized and there are invariably significant opportunities for cost reduction and cash optimization.

Not only are the costs of cash handling frequently misunderstood or ineffectively measured, the cost drivers for cash are subject to regular change. With interest rates determining the cost of cash supply and cash holding and with varying insurance, security, labor and transportation costs influencing cash in transit and cash processing fees, plus regulatory compliance challenges, cost optimization is a constant juggling act.

Cash optimization isn’t just a cost reduction exercise, it’s also about ensuring that the correct amount of cash is on hand, in the correct denominations to meet customer needs. Any surplus cash means lost investment potential, but running out of cash can incur loss or revenue in ATM fees and negatively impact customer loyalty with the potential for reputation damage.

A successful approach to cash management optimization involves some extremely complex predictive challenges in the delivery of accurate forecasting of future capacity and demand.

Optimized cash supply chain management

Effective cash management requires diligence, persistence and a high level of niche-specific knowledge. For every cash supply chain manager the basic approach starts with a forecast. From there, individual style and perspective will influence most cashpoint analysts in their decision making processes, but the most important influences will be the data and forecasts available to them and the availability of automated tools that speed the process along. The logistical demands of managing cash supply management can be daunting and calls for intelligent tools to meet the challenge.

NCR is the leading supplier of ATM and related self-service software solutions for the banking industry. This leadership position extends to cash supply chain management. As part of the industry leading APTRA Suite, NCR APTRA Cash Management Solutions enable banks to achieve the right balance of cash in branches and throughout a bank’s ATM network to meet customer demand while avoiding holding excess of cash that could be invested elsewhere.

Through a sophisticated, three-tiered approach of forecasting, optimization, and automation, APTRA Cash Management positively impacts all of the factors related to cash management, including forecasting, cost balancing, ordering, monitoring, expense tracking and more.

NCR APTRA Cash Management solutions have been developed by experienced cash management professionals to efficiently and cost-effectively handle all aspects of the complex cash management process.

In use by banks worldwide, ATM network owners and retailers, APTRA Cash Management Solutions are providing significant recurring cost savings for all aspects of the currency supply chain – from ATM and Branch, through to the vault and on to the Central Bank interactions. The savings generated are the direct result of applying sophisticated proprietary statistical analysis, together with daily balancing of all cost components to determine the optimal course of action. With APTRA Cash Management Solutions you can significantly reduce expenditure and improve operational efficiency.

APTRA Cash Management Solutions manage cash for well in excess of 100,000 ATMs, branches, cash centers and retail stores spanning six continents – and that network is growing day-by-day!

NCR APTRA cash management solutions

Save up to $1000 per ATM per year, $2000 per branch per year and $500,000 per vault per year

NCR APTRA OptiCash is the core component of the APTRA Cash Management Solution. APTRA OptiCash applies sophisticated mathematical algorithms based on historical demand, event, and cost information to optimize currency and cost levels throughout the enterprise.

NCR APTRA OptiNet is a web-enabled branch and ATM cash ordering and clearing application that provides remote users with access to the OptiCash database. This delivers cash projections and recommendations for review and approval over the Internet.

A flexible approach to cash management optimization

NCR APTRA OptiVault is a comprehensive vault cash management solution. It accurately forecasts branch, ATM, and commercial cash demand, delivering a bank-wide view of overall currency requirements. APTRA OptiVault combines best-of-breed vault consolidation functionality with advanced analytical processing to optimize currency and coin ordering and clearing for both bank and carrier cash vaults.

NCR APTRA OptimizeCF delivers all of the benefits of NCR APTRA Cash Management Solutions as a monthly service. This enables even small financial organizations to take advantage of the best cash management solution available today without needing to maintain an extensive IT footprint in-house.

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Why NCR?NCR Corporation (NYSE: NCR) is the global leader in consumer transaction technologies, turning everyday

interactions with businesses into exceptional experiences. With its software, hardware, and portfolio of

services, NCR enables more than 300 million transactions daily across the retail, financial, travel, hospitality,

telecom and technology industries. NCR solutions run the everyday transactions that make your life easier.

NCR is headquartered in Duluth, Georgia with over 26,000 employees and does business in 180 countries.

NCR is a trademark of NCR Corporation in the United States and other countries.

©2012 NCR Corporation Patents Pending EB10589-0613