  In the digital transformation era, integrating digital technology into every
aspect of banking operations improves process automation, cost efficiency, and
service level improvement. Although logistics for ATM cash is a crucial task
that impacts operating costs and consumer satisfaction, there has been little
effort to enhance it. Specifically, in Vietnam, with a market of more than
20,000 ATMs nationally, research and technological solutions that can resolve
this issue remain scarce. In this paper, we generalized the vehicle routing
problem for ATM cash replenishment, suggested a mathematical model and then
offered a tool to evaluate various situations. When being evaluated on the
simulated dataset, our proposed model and method produced encouraging results
with the benefits of cutting ATM cash operating costs.
