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EN
This paper deals with the problem of withdrawals from Automated Teller Machines (ATMs), using daily data for selected ATMs installed by the Euronet network in the Polish provinces of Małopolska and Podkarpacie for the period from January 2008 to March 2012. The main aim of this paper is an estimation of the proper econometric models for withdrawals time series and attempt to forecast future demand on cash flow in ATMs in respect to their localization. This is necessary to establish a replenishment schedule. The results of computations suggest that models built on the basis of SARIMA methodology are useful tools for an modeling daily withdrawals time series. This kind of model can be applied independently of the localization of an ATM. The exercises for ex post data imply ex post forecast errors under 20%. This size of forecast errors is lower than the bias of actual replenishment scheduling.
EN
This paper addresses the crucial problem of the ATM’s network management which is so-called the saturation level of withdrawals. This notion refers to mean level of withdrawals after dropping particular withdrawals realized in the initial time period, (i.e. time period after activation of ATM) and the length of elapsing time period necessary to reach saturation level. One can observe that the level of withdrawals and their number stabilize as time elapses. The paper aims to define average withdrawals after achieving saturation level and mean time necessary to stabilize withdrawals (based on historical data). In addition, we established that – under condition of similarity in terms of location and date of start - ATMs exhibit similar characteristics of the development effects. This allows us for predicting the size of time necessary to achieve saturation and the average withdrawal in the state of saturation.
PL
W artykule zaprezentowano najbardziej istotne zagadnienia dotyczące zarządzania siecią bankomatów. Podstawę badania stanowiły bankomaty sieci Euronet, zlokalizowane w województwach małopolskim i podkarpackim. Część empiryczną artykułu oparto na szeregach czasowych wypłat z tych bankomatów w okresie od stycznia 2008 r. do grudnia 2012 r. Badanie pokazało, że najistotniejszym czynnikiem wpływającym na wysokość kosztów zarządzania analizowanej sieci bankomatów jest czas i wielkość wypłat. Główne wyniki i wnioski oparto na modelu liniowym zdefiniowanym w tym opracowaniu. Zaprezentowano wpływ wyboru chwili doładowania i wielkości wypłat na koszty obsługi bankomatów oraz wskazano, w jaki sposób można zmniejszyć koszt zarządzania bankomatami.
EN
The article presents the most important issues concerning the management of ATM network. The basis of the study were Euronet ATMs, located in the Małopolskie and Podkarpackie voivodships. The empirical part of the article is based on a time series of withdrawals from the ATMs in the period from January 2008 to December 2012. The study shows that the most important factor affecting the amount of management costs in the analyzed ATM network is the time and the size of withdrawals. The main results and conclusions are based on a linear model defined in this study. The authors present the impact of the time choice and the withdrawal amount for the costs of operating ATMs and indicate how you can reduce the cost of managing ATM.
RU
В статье были представлены важнейшие вапросы касающиеся управления сетью банкоматов. Основой для обследования были банкоматы сети Euronet, расположены в малопольском и подкарпатском воеводствах. Эмпирическая часть статьи была основана на временных рядах снятия средств в этих банкоматах в период с января 2008 г. по декабрь 2012 г. Обследование позволило прийти к выводу, что самыми важными факторами влияющими на размер затрат на управление обследуемой сетью банкоматов являются время и объем изъятия. Основные результаты и выводы были основаны на линейной модели определенной в этой разработке. Было представлено влияние момента зарядки и объема изъятий на расходы по эксплуатации банкоматов, а также было указано на то, как можно снизить затраты на управление банкоматами.
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