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How To Reduce Your Cash
Transport Costs
Danie Schoeman
11 March 2015
Why Cash Needs Transporting
Cash Is Still King
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2009 2010 2011 2012 2013
ZA
R b
illi
on
s, to
tal fo
r th
e y
ea
r
ATM cash withdrawals Card payments with cards issued in the country
Bank for International Settlements, CPSS – Red Book, 2013
Cash Circulation
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30000
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70000
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2009 2010 2011 2012 2013
ZA
R m
illio
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d o
f year
Banknotes and coin held by banks Banknotes and coin in circulation outside banks
Bank for International Settlements, CPSS – Red Book, 2013
Repositioning of Cash
Super
Gauteng:
deficit R17.5bn
Eastern Cape:
deficit R4.6bnWestern Cape:
deficit R1.9bn
Northern Cape
& Free State:
surplus R8.7bn
KwaZulu Natal:
surplus R7.7bn
Schubert, C. SBV. The Journey to Collaboration in the South African Cash Management Industry, Presented at 35th Annual SAPICS Conference & Exhibition, June 2013
Regional Imbalances of Cash Circulation
Factors That Increase Cash
Transport Cost
Attacks on Vehicles
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5
10
15
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25
2010 2011 2012 2013 2014
Nu
mb
er
of
Incid
en
ts
Static AV Attack Vehicle on Road
Data provided by South Africa Banking Risk Information Centre (SABRIC)
Attacks on Vehicles
Overall CIT attacks
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160
2010 2011 2012 2013 2014
Nu
mb
er
of
Incid
en
ts
ATM Site
Bank Premises
Burglary (Own Premises)
Merchants Premises (Retail)
Parking Area
Pavement
Paypoint
Robbery (Own Premises)
Static AV Attack
Vehicle on Road
Data provided by South Africa Banking Risk Information Centre (SABRIC)
Choosing a Partner That Actively
Reduce Cash Transportation Cost
Has Network Proximity
From Localised Planning to …
Planned at individual
branch level only
Costly
No resource sharing
Limited service levels
Inefficient and / or
underutilisation of fleet
Centralised Planning
Centralised operations
centre – control tower
Optimisation of fleet
Totally integrated IT
Detailed management
reports
Standard KPI’s
Centralised planning brings about 10% to 15% percentage logistics
saving and increase of about 20% service level improvement
Uses Technology Effectively
Real time and historical tracking
Location management
Reporting and analytics
Fuel management
Live event feed
Driver behaviourmonitoring
Servicing and licensing management
Jobs and messaging
Applies Technology & Short
Interval Control Effectively
Real-time Tracking
Proactive Monitoring
through Live Information
Systems Reporting & Analytics
Manages Driver Behaviour
Fuel C
on
sum
ption (
l/10
0km
)
Driver BehaviourGood Bad
25
20
15
10
5
00 10 20 30 40 50 60 70 80 90 100
Adapted from FleetCarma
Has Optimum Fleet Configuration
Vehicle configuration
Fleet mix
The Future of Reducing Cash
Transportation Cost
The Clever Automatic Banking
Machine (ABM)
The process above indicates the transaction flow for each deposit
until such time as the bank account is credited with the cash value
deposited.
Shopping Mall Cash Recycling
Where a SMCR system is in place: The retailer or mall tenant loads
cash into a ABM and cash is transported via canisters to the cash centre inside the mall.
Highly secure, the cash centre is located in a safe, restricted area within the mall – away from the public eye. Risky and visible movement of cash is thus eliminated.
Non ABM cannister cash movements can be done using the normal G4S CPC system –a protected and monitored cash transport system. Risky and visible movement of cash is eliminated.
The RTM is a Retail Teller Machine.
It works just like an ATM, but without cash inside
It can also dispense cash, the RTM prints
a secure ticket that is exchanged for cash at
the retail counter.
It has a 17” touch screen - can facilitate a large
number of non-cash card transactions, web kiosk
functions and consumer self-service enquiries
RTMs can be found inside convenience stores, gas
stations, hotels & casinos, supermarkets & leisure
locations, even in some bank branches
Virtual Cash
Rural retail locations
Confidential
Shops, gas stations, restaurants, clubs, hotels & casinos
Questions
