Only an integrated electronic solution can provide a satisfactory solution to meet the business requirements of cash optimisation. The demand to radically reduce cash on stock requires the authorized staff members to have access to current information at any time and forward these to the appropriate places without delay.

The ApPello Cash Management program package facilitates the intelligent handling of active information and allows considerable reduction in cash stocks.

In order to optimise the Bank’s cash demand, the solution administers customer and branch office requirements, and provides for their clear visualization to allow the adoption of appropriate decisions by way of automatic planning.

In the application the historical data of the bank’s transactions are analysed by statistical functions of high reliability and the actual cash needs are determined taking this into account as well.

With the help of the transportation matrix supported by similar functions, the planning of transfers between branches/depositories can be automated, which provides significant additional savings.

The achievable growth in efficiency ensures a fast return on investment, even in the case of a smaller branch network.

The main functionality and characteristics of the Solution:

• Bank level optimisation of the cash stock (reduction with simultaneous maintenance of liquidity)
• Automatic forecasting of cash demand at branch office and bank level
• Support to the central cash manager’s work: support of the bank level cash management, fulfilment of branch requirements, with consideration to the central depository stock
• Support for the branch cash manager in the handling of daily branch requirements
• Support to the preparation of transfers between depositories and branches (disposition with approvals from the adequate levels)