Cash cycle management for banks: Efficient, secure and transparent.

Cash cycle management for banks: Efficient, secure and transparent.

Wegweisend Outstanding The future of cash handling is here: Cash Cycle Management Solutions With its Cash Cycle Management Solutions, Wincor Nixdorf offers a clear answer to all the questions related to modern cash logistics. Intelligent technologies and processes come together in a unique solution concept that enables closed cash cycles. Back Office Does cash really have to be so expensive? Today, 90 % of transactions worldwide are handled in cash. But cash handling and logistics cost time and money more than 300 billion US dollars every year! That is why Wincor Nixdorf, with decades of experience in the business processes of retail banking, has invested its know-how in a revolutionary concept that significantly improves cash handling processes. Unparalleled solution concept Cash Cycle Management Solutions (CCMS) offer your bank advantages at every point in the process chain. The concept meshes cash streams wherever they are at the cash point, within a branch, or beyond, creating an innovative, highly efficient cash cycle. Clear added value for your bank Klare With Cash Mehrwerte Cycle Management für Ihre Bank Solutions, cash handling CCMS becomes macht an asset Ihr Bargeld-Handling zum Aktivposten International Enormous savings verständlich: potential Die CCMS Signalfarben enables cash rot, holdings gelb, grün to und be circulated eindeutige within Piktogramme systems führen and bank Auge branches, und Hand or across des Benutzers branch networks. zielsicher. This eliminates many manual cash- Innovative related activities Benutzerführung: and reduces the work of replenishment and removal. Over Lichtsignale all, the costs unterstützen of cash handling jeden can Schritt be cut der by Gerätebedienung more than 20 %. und leiten durch Maximum den gesamten security Prozess. Optimale Closed cash Bedienbarkeit: cycles minimize the risk of manipulation, cash inventory Auch discrepancies Menschen and mit robberies. Einschränkungen And that können means greater CINEO-Geräte security problemlos for you, your nutzen, employees u.a. and dank your durchgängiger customers. Our Braille-Hinweise. leading technology has intelligent security features that make unauthorized access to your cash virtually impossible. Complete transparency Thanks to real-time monitoring, you can track and control the volumes and movements of your cash seamlessly and with pinpoint accuracy. That means you always know who has your money, and when, and where, and can significantly reduce both the cash volume you need to keep in circulation and the complexity of your risk management. Self-Service Zone Front Office An end-to-end solution as unique as your bank The CCMS portfolio is extensive and modular: depending on your branch structure, country-specific requirements and customers, we combine consulting, hardware, software and services into an intelligent solution for your cash cycle. Efficient processes CCMS relieves you of many time-consuming manual work steps by automating them, leaving your staff more time for customer consulting and sales. In addition, the universal platform minimizes the number of interfaces and different processes. 2 3

Aufsehenerregend Cash Point Cycle Making your cash points more profitable With our cash recycling systems, cash handling becomes more efficient than ever before. Thanks to their innovative technology, they can process deposited cash automatically and make it available again for withdrawals, creating a closed cash cycle within the system. Banking with a built-in technology lead Whether it is in the self-service zone or at the bank counter, cash recycling ushers in a new era at every cash point in your branch. Our state-of-the-art systems test deposited banknotes for fitness and authenticity and store the validated cash where it can be used for cash dispensing. The result is the shortest, most efficient cash cycle imaginable! The effect is amazing Local retailers use the deposit function of a cash recycling systems to ensure that their takings can be credited instantly to their accounts. And because the deposited cash can be withdrawed again immediately, the cash point rarely needs replenishing or cash removal: experience shows that intervals for these services can be lengthened by a factor of three or four, saving you manual work and reducing the number of cash-in-transit call-outs. You will notice this effect from the installation of just one single cash point, and it adds up exponentially when you expand the solution to meet your needs. Lower costs, satisfied customers Optimally configured deposit and dispensing systems enable you to shift up to 40 % of deposits and up to 70 % of cash dispensing transactions to self-service devices. That saves money: a deposit at a machine costs seven times less than at the bank counter! And your customers will value a service offer they can use around the clock and without having to wait in line. International know-how The first cash recycling systems from Wincor Nixdorf went into operation as early as 2007, and today, more than 25,000 of these machines are in use. We were a pioneer in this technology at the start, and now we are one of its leading suppliers worldwide. That makes us the perfect partner for you if you are looking to optimize your cash processes. Every cash point benefits Savings of up to 75 % Cash recycling dramatically reduces costs thanks to automated processes and optimized cash replenishment and removal. Security for your staff and your money The cash in your systems is no longer directly accessible. The result: increased security for your cash processes. Better use of personnel resources Self-service zones are available around the clock, and customers appreciate the flexibility they offer. They also free your counter staff from the manual work of processing transactions and allow them to concentrate on their core tasks. Complete transparency Intelligent technology and software enable seamless monitoring of your cash points. Overfills or very low cash levels are registered promptly to help you avoid bottlenecks, even during heavy use on holidays or at public events. 4 5

Abwehrstark In-Branch Cycle A closed cash cycle for the whole branch You can extend the cycle to encompass all your cash processes, whether in the back office, the front office, or the self-service zone. CCMS and the CINEO systems with their intelligent banknote storage make it easy and secure and the whole branch benefits from a highly efficient cash cycle. Cassette exchange between self-service systems Shortening distances adds value The In-Branch Cycle connects all the cash points in your branch into one cash cycle. Their common foundation is the singledenomination intelligent cassette, which can be exchanged between devices. For example, you can use a deposit cassette from the automated teller safe at the bank counter to replenish another cash point, The balanced bank branch Depending on the branch and customer structure, the amount of deposits and withdrawals at the devices in the individual zones fluctuates. The software CCMS Base monitors cash levels in the systems continually, and informs your branch staff anytime defined threshold values have been reached. The software also auto- Clear added value for your bank Benefit from economies of scale Reduction in cash volumes and balanced cash positions minimize both personnel requirements and cash-in-transit costs Security for staff, customers, and cash such as a cash dispenser in the self-service matically generates suggestions for which Maximum security thanks to Cassette exchange between front office and back office zone. This creates a closed cash cycle within your bank branch across systems and even zones. cassettes should be exchanged, making it easy to prevent overfilled or empty cash cassettes in your systems. safes inside the systems and secure transport of intelligent cassettes Cassette exchange between back office and self-service system Greater efficiency and flexibility In addition to the CINEO systems for the self-service zone and the front office, there is an automated teller safe for the back office. Intelligent technology allows this ATS to be used for rapid, audit-proof filling and emptying of cash cassettes, making the central provision of cash in your bank branch easier than ever before. If you want to introduce a closed cash cycle but continue to use your existing back office safe, Transparency and audit compliance CCMS ensure the optimal distribution of cash holdings in your branch. You can maintain a closed cash cycle while simultaneously reducing your total cash holdings dramatically. Monitoring via CCMS Base establishes an audit-proof, automated chain of information: the chips in the intelligent cassettes provide seamless documentation at any time of the amount of cash in the cassette and its location. The highest level of audit compliance through virtually completely closed systems and seamless monitoring Optimized processes mean greater profitability The time needed to exchange cassettes is reduced from 30 minutes to just 5 minutes Lean processes in both IT and cash management a docking station with our Cash Supply Transparency enhances Manager software offers an alternative decision-making that can be implemented to initiate, configure and fill or empty cash cassettes. Optimization of all processes through real-time monitoring of cash status and movements with CCMS Base software Highest system availability 6 7

Ausdauernd Comprehensive cash cycles Maximize the synergies in your branch network and beyond it Just a single branch with a closed cash cycle delivers impressive results. When you extend the cycle to include several branches, you multiply the benefits. And a cooperation with retailers, cash centers and cash-in-transit companies opens up unimagined synergies. Inter-Branch Cycle The cash streams in your branches can vary widely: in one branch, lots of retail businesses deposit their takings, while at the next, cash withdrawals at ATMs predominate. Inter-branch cash management helps you even out these differences more efficiently and cost-effectively: you can exchange full and empty cassettes between your branches without involving a cash center. An Inter-Branch Cycle thus multiplies the savings you achieve through CCMS: you gain process transparency across all bank branches, reductions in total cash volume, improvements in logistics and the highest possible security. Since discontinuities between different systems and softwares are eliminated, real-time display of all cash levels and movements is possible. This dramatically reduces the work of cash management along the entire process chain and makes it easy to comply with audit requirements. Inter-Business Cycle Banking and retail environments are fusing more strongly than ever before and this is where Wincor Nixdorf s core expertise is at its strongest. We have thought through the cash process all the way to its logical end to tap into new potential for optimizing it. Our goal is the integration of retail businesses in the cash cycle, because additional synergies are possible when, for example, a bank can take a full banknote cassette from a retail store and simply insert it into an ATM to replenish the machine s cash. This concept is for instance appealing for off-premise solutions: an ATM installed in a retail store can form a closed cash cycle with the store s POS systems. This is a perfect example of the benefits Cash Cycle Management Solutions offer across sectors. Cash Center Cycle The integration in the value chain of cash centers and their cash-in-transit providers is the next step in optimizing cash handling. Wincor Nixdorf offers a sound technological basis for shifting cash management, fulfilling the demand of the world s central banks for more efficient cash processes. In partnership with Giesecke & Devrient, Wincor Nixdorf offers an innovative banknote processing system that enables the automated filling and refilling of cassettes in cash centers, making it unnecessary to open cassettes or count and sort cash manually. This means that the secured transfer of cash ownership from the retail business s cassettes to the bank s cassettes is a reality: the era of end-to-end cash management is here. This is unique worldwide and sets new standards in security and transparency. 8 9

Hochverfügbar End to end Cash Cycle Management Solutions optimize every detail of your cash cycle Many cash handling processes are similar, and yet every bank has unique cash management requirements. That is why Cash Cycle Management Solutions combine innovative industry solutions with individual consulting for the best of all possible cash handling solutions. CCMS Consulting for customized concepts We produce an in-depth analysis of your cash processes across all levels including a consideration of different branch types. The result is a comparison between your current situation and your targets. Then we use our Cash Cycle Optimizer to produce a variety of optimization scenarios with the goal of helping you achieve maximum savings. Our industry know-how and your specific requirements are applied to develop an individual CCMS business case that quantifies your benefits and enables a beforeand-after comparison of all the relevant cost drivers. You can see at a glance what savings are possible in which areas, and what ROI you can expect. The intelligent banknote storage concept The technological basis of CCMS is the innovative CINEO generation of systems with their end-to-end banknote storage concept. The idea is that compatible cash cassettes enable a direct exchange at all stations in the cash handling process. Each banknote storage unit is equipped with an innovative chip that provides a constant flow of information on its current content and other status data, ensuring that cash movements, fill levels, and other data are seamlessly tracked and transmitted. The future begins with CINEO The new CINEO system generation sets new standards in ease of use, security, design and quality. Thanks to proactive system management and intelligent talking devices, CINEO systems guarantee virtually constant information availability for their operators. If you already have systems from the ProCash family, you can upgrade them easily by replacing the cash media dispenser so that they, too, can be integrated into the new cash cycle another way we help you create a solid foundation for your cash cycle management solution. Cash Cycle Management Solutions Base - the brain of cash management All the information flows into one software that is perfectly tailored to your needs: CCMS Base. It monitors, controls and optimizes your cash processes: track & trace, cash level forecasting, logistics and order management and even service management help make all your cash processes more efficient, transparent and secure. Rapid integration in your IT landscape Experienced specialists integrate the hardware and software elements seamlessly in your existing IT environment. This ensures that you can benefit from the new processes quickly and securely. Full service around the world Our international service ensures you high availability in system operation. Standardized service processes and efficient remote management make sure everything stays up and running and ensure both a superior overview and rapid information in the event of a need for action. If you want to go beyond monitoring, our Managed Cash Services also actively control your cash streams, for example by sending cash delivery requests to cash-intransit companies. We support you in every aspect of your cash cycle management, whether you merely need preventive maintenance or want us to take on complete responsibility for operating your IT around the clock, worldwide and in your local language. 10 11

Published by Wincor Nixdorf International GmbH Heinz-Nixdorf-Ring 1 33106 Paderborn Germany Ph +49 (0) 52 51 / 6 93-3301 Fax +49 (0) 52 51 / 6 93-5918 info@wincor-nixdorf.com www.wincor-nixdorf.com Wincor Nixdorf International GmbH All rights, including rights created by patent grant or registration of a utility model or design, are reserved. Delivery subject to availability, subject to change for technical reasons. Order No.: R10009-J-Z744-1-7600 Printed in Germany, April 2011