Financial Services · Moraph software

ATM & Cash Logistics Optimizer

Forecast cash demand at every ATM and branch, and order only the cash you need

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Overview

What you are buying

The ATM & Cash Logistics Optimizer forecasts cash demand for each ATM, branch vault and teller cash recycler from its own history, calendar and local events. It recommends replenishment orders that weigh the cost of idle cash against delivery costs and the risk of running out, within your holding limits and carrier schedules. Your cash operations team reviews and approves every order, and deliveries and discrepancies are tracked through to reconciliation.

The problem it solves

Many banks and credit unions set ATM and branch cash orders from fixed par levels, spreadsheets and the judgment of branch staff. Machines and vaults hold more cash than they need to avoid running out, and that cash earns nothing while it sits there. Orders are placed by phone or email, carrier charges are hard to check against what was ordered, and discrepancies between ordered, delivered and counted cash are tracked by hand. Few teams can say how much idle cash they carry or what each delivery costs.

  • Par levels are set once and rarely revisited, so cash builds up in machines and vaults
  • Holidays, paydays and local events are handled from memory
  • Orders, carrier charges and deliveries are reconciled by hand
  • There is no clear view of idle cash or the cost of each delivery

Who uses it

  • Cash operations and branch operations teams at banks and credit unions
  • Branch managers responsible for vault and teller cash
  • Treasury and finance teams who answer for the cost of non-earning assets
  • Vendor management teams who oversee armored carriers and cash-in-transit providers
  • Internal audit and security officers, who need evidence of cash controls

Requirements it supports

Bank Protection Act (12 U.S.C. 1881 et seq.) and security program rules (12 CFR 208.61, 12 CFR Part 326, 12 CFR Part 748)Federal Reserve Operating Circular No. 2, Cash ServicesInteragency Guidance on Third-Party Relationships: Risk ManagementInteragency Policy Statement on Funding and Liquidity Risk ManagementInteragency Guidance on Model Risk Management (SR 11-7)FFIEC IT Examination Handbook, Business Continuity Management booklet

The product supports these requirements; meeting them remains your organization’s responsibility.

See how it works

A short walkthrough

Illustrative screens with fictional sample data. They show the workflow, not any client’s data or configuration, and the layout of the product itself differs. A live demonstration uses the product with sample data.

  1. Step 1

    The cash position

    Analysts start from one view of every location, its balance, when it is forecast to run low, and the next delivery.

    LocationTypeBalanceForecast run-outNext deliveryStatus
    ATM 0412, Example Plaza branchATM$18,400TomorrowThursdayAt risk
    ATM 0388, Example StationATM$61,200Next weekMondayOK
    Vault, Example Main Street branchVault$412,000In 3 weeksNot scheduledAbove need
    Recycler 2, Example Mall branchRecycler$34,750SaturdayFridayOK
    ATM 0451, Example CampusATM$9,800TodayTomorrowExtra visit requested
    Analysts start from one view of every location, its balance, when it is forecast to run low, and the next delivery.

  2. Step 2

    One ATM's forecast

    Each location has its own forecast, showing the history, the calendar effects and any events branch staff recorded.

    ATM 0412 · Example Plaza branch

    Current balance
    $18,400
    Forecast demand, next 7 days
    $71,500
    Capacity limit
    $120,000
    Insurance limit
    $150,000
    Carrier
    Example Carrier A (fictional)
    Delivery days
    Monday, Thursday

    Effects in this forecast

    • Month-end payday on Friday
    • Local street festival recorded by branch manager
    • Higher $20 usage than network average
    Each location has its own forecast, showing the history, the calendar effects and any events branch staff recorded.

  3. Step 3

    The replenishment plan

    Recommended orders show the amount, the delivery day and the trade-off between holding cost and the risk of running out.

    LocationDeliveryRecommended orderCurrent par orderHolding cost changeRun-out risk
    ATM 0412Thursday$80,000$120,000LowerLow
    ATM 0388Monday$40,000$100,000LowerLow
    Vault, Example Main StreetReturn $150,000ReturnNo actionLowerLow
    Recycler 2, Example MallFriday$25,000$25,000No changeLow
    ATM 0451Tomorrow (extra visit)$90,000$120,000LowerMedium
    Recommended orders show the amount, the delivery day and the trade-off between holding cost and the risk of running out.

  4. Step 4

    Approving the plan

    The plan is reviewed, orders above threshold are approved by a second person, and orders are exported to each carrier.

    Plan PL-2207 · Northern region

    1. Plan generated from forecasts and limitsOptimizer
    2. ATM 0451 extra visit added at branch requestCash operations analyst
    3. Two orders adjusted for a carrier cut-offCash operations analyst
    4. Vault return above threshold approvedCash operations manager
    5. Orders exported to Example Carrier A (fictional)Cash operations analyst
    6. Delivery confirmations received for 4 of 5 ordersCarrier file
    The plan is reviewed, orders above threshold are approved by a second person, and orders are exported to each carrier.

  5. Step 5

    A delivery discrepancy

    When delivered or counted cash differs from the order, a case records the difference and follows it to resolution.

    DC-0931 · Recycler 2, Example Mall branch

    Ordered
    $25,000
    Carrier manifest
    $25,000
    Counted at branch
    $24,000
    Difference
    -$1,000 in $50s
    Owner
    Cash operations analyst
    Status
    Open

    Investigation

    • Branch count confirmed by a second teller
    • Carrier notified and seal record requested
    • Approval needed to close above policy amount
    When delivered or counted cash differs from the order, a case records the difference and follows it to resolution.

  6. Step 6

    Idle cash review

    Treasury and the cash operations manager see where cash sits beyond forecast need, and the cost applied to it.

    RegionAverage cash heldAverage forecast needExcessCost of funds appliedTrend
    Northern$6.2M$4.1M$2.1MYour rateFalling
    Central$8.9M$5.3M$3.6MYour rateFlat
    Coastal$4.4M$3.7M$0.7MYour rateFalling
    Branch vaults, all regions$11.8M$7.0M$4.8MYour rateFlat
    Treasury and the cash operations manager see where cash sits beyond forecast need, and the cost applied to it.

Workflows

The principal workflows

  1. Forecast

    Each ATM, vault and recycler gets its own demand forecast from its withdrawal and deposit history, the day of the week, paydays, holidays and any local events your branches record.

    • Dispense, deposit and balance data arrive from your ATM and teller systems
    • Data checks flag devices with missing or inconsistent readings
    • Demand is forecast by device, location and denomination
    • Holidays, paydays and recorded local events adjust the forecast
    • Branch staff can add known events, which are reviewed before they apply

  2. Plan

    The Optimizer recommends when to replenish each location and how much to order, balancing the cost of holding idle cash, the carrier's charges and the risk of running out, within your limits.

    • Current balances and forecasts are compared with each location's limits
    • Delivery days are matched to carrier schedules and route constraints
    • Order amounts and denomination mix are recommended for each location
    • The cost of holding, delivery and out-of-cash risk is shown for each option
    • Recommendations are grouped into a replenishment plan for review

  3. Order and deliver

    Cash operations approves the plan, and orders are exported in the format your carrier or cash provider accepts. Each delivery is tracked from order to confirmation.

    • Cash operations analyst reviews and adjusts the plan
    • Orders above your set threshold go to a manager for approval
    • Approved orders are exported to the carrier or cash provider
    • Delivery confirmations are recorded against each order
    • Exceptions such as missed or short deliveries are flagged

  4. Reconcile and review

    Ordered, delivered and counted amounts are compared, carrier charges are checked against completed services, and forecast accuracy and idle cash are reviewed over time.

    • Delivered and counted amounts are compared with each order
    • Discrepancies are opened as cases and assigned for investigation
    • Carrier invoices are compared with recorded services
    • Forecast accuracy is tracked by location and denomination
    • Limits and parameters are reviewed and changes approved

Roles and permissions

Who does what in the product

Each role below is a starting point. During implementation we set them up to match your teams, and every action anyone takes is recorded in the audit trail.

Cash operations analyst

Cash operations analyst, cash logistics specialist, ATM operations analyst

Turns forecasts into replenishment plans and makes sure orders are delivered and reconciled.

Sees

  • Forecasts, balances and run-out dates for every location in their region
  • Recommended orders with their cost and risk trade-offs
  • Delivery confirmations and open discrepancies
  • Carrier schedules and cut-off times

Does

  • Reviews and adjusts recommended orders
  • Submits replenishment plans for approval
  • Exports approved orders to the carrier or cash provider
  • Records delivery confirmations and exceptions
  • Opens and works discrepancy cases
  • Reviews and accepts events submitted by branches

Cannot

  • Approve an order above threshold that they prepared
  • Change location limits or forecasting parameters
  • Close a discrepancy case above the amount your policy sets without manager sign-off
Approvals
Orders above your threshold, and discrepancy closures above your set amount, are approved by the cash operations manager.
Notified about
Locations forecast to run low, orders returned for changes, missed or short deliveries, and new discrepancies.

Branch manager

Branch manager, assistant branch manager, head teller, vault custodian

Keeps their branch's cash position accurate and tells the forecast about events it cannot see.

Sees

  • Their branch's ATMs, vault and recyclers, with balances and forecasts
  • Scheduled deliveries and pickups for their branch
  • Discrepancies involving their branch

Does

  • Records local events that may change demand
  • Requests an extra delivery or pickup with a reason
  • Confirms counted amounts on delivery
  • Adds notes to discrepancy cases for their branch

Cannot

  • See other branches' positions unless granted
  • Approve or export orders
  • Change limits or carrier schedules
Approvals
Events and extra delivery requests they submit are reviewed by a cash operations analyst.
Notified about
Upcoming deliveries and pickups, low cash forecasts for their locations, and discrepancies that need their input.

Cash operations manager

Cash operations manager, head of branch operations, director of cash services

Owns the cash logistics program, its limits and parameters, and the approval of significant orders.

Sees

  • Every location, plan, order and discrepancy
  • Idle cash, delivery cost and out-of-cash reporting
  • Forecast accuracy and parameter history
  • The full audit trail

Does

  • Approves orders above threshold and returns others with comments
  • Sets holding limits and order thresholds for each location
  • Approves changes to forecasting and planning parameters
  • Approves closure of significant discrepancies
  • Approves contingency plans for holidays and disruptions
  • Reviews program reporting with treasury and finance

Cannot

  • Approve an order or parameter change they prepared themselves
  • Edit or delete entries in the audit trail
  • Set a location limit above the insurance limit recorded for it without a recorded exception
Approvals
Approves significant orders, limits, parameters and discrepancy closures; their own changes need a second designated approver.
Notified about
Orders and parameter changes waiting for approval, locations that ran out of cash, missed deliveries and significant discrepancies.

Treasury analyst

Treasury analyst, ALM analyst, finance manager

Understands how much cash the network holds, what it costs, and how it affects liquidity.

Sees

  • Total cash held by location type, region and day
  • Idle cash and the cost of funds applied to it
  • Order and delivery cost trends

Does

  • Sets the cost-of-funds rate used in planning, for manager approval
  • Reviews idle cash and cost reporting
  • Exports cash position data for liquidity reporting
  • Reviews contingency plans for their liquidity effect

Cannot

  • Create, approve or export orders
  • Change location limits
  • Work discrepancy cases
Approvals
Changes to the cost-of-funds rate they propose are approved by the cash operations manager.
Notified about
Monthly cost and idle cash reports, and approved contingency plans.

Vendor manager

Vendor manager, third-party risk analyst, procurement manager

Keeps carrier schedules and charges accurate and oversees carrier performance.

Sees

  • Carrier schedules, service charges and contract terms recorded
  • Delivery performance: missed, late and short deliveries
  • Carrier invoice comparisons

Does

  • Maintains carrier schedules, cut-off times and charges
  • Reviews invoice comparisons and raises disputes
  • Prepares carrier performance reviews
  • Shares performance evidence with your third-party risk process

Cannot

  • Create or approve orders
  • Change location limits or forecasting parameters
  • Close discrepancy cases
Approvals
Changes to carrier schedules and charges are confirmed by the cash operations manager before they are used in planning.
Notified about
Missed and short deliveries, invoice differences and carrier reviews coming due.

Auditor (read-only)

Internal auditor, security officer, external auditor or examiner (under temporary access)

Tests cash controls, approvals and discrepancy handling without being able to change anything.

Sees

  • Orders, approvals and delivery confirmations
  • Discrepancy cases and their resolution
  • Limits, parameters and their change history
  • The audit trail

Does

  • Searches and reads records within their scope
  • Exports records and reports they have access to, with each export logged
  • Leaves review notes where the institution enables them

Cannot

  • Change, approve or delete anything
  • See records outside the scope granted
  • Keep access after it expires
Approvals
Their access is approved by the cash operations manager or an administrator, with a scope and an end date.
Notified about
Nothing by default; access granted and expiring is confirmed to the person who approved it.

Administrator

Application administrator, IT or operations systems administrator

Manages users, roles, locations and data feeds without taking part in ordering.

Sees

  • Users, roles and their scope
  • Location and device records
  • Data feed status and the record of permission changes

Does

  • Adds and removes users, or maps them from single sign-on groups
  • Assigns roles and limits them by region or branch
  • Adds and retires locations and devices
  • Runs access review reports

Cannot

  • Create, approve or export orders
  • Change limits or parameters
  • Grant themselves an operations role without a second approver
Approvals
Role changes that grant approval rights are approved by the cash operations manager.
Notified about
Failed data feeds, access reviews coming due and accounts not used for a period your policy sets.

Permissions at a glance

ActionCash analystBranch mgrCash ops mgrTreasuryVendor mgrAuditorAdmin
View forecasts and balancesFullOwn work onlyFullView onlyView onlyView onlyNo access
Record local eventsFullOwn work onlyFullNo accessNo accessNo accessNo access
Build replenishment plansFullNo accessFullNo accessNo accessView onlyNo access
Approve orders above thresholdNo accessNo accessApprovesNo accessNo accessView onlyNo access
Export orders to carrierFullNo accessFullNo accessNo accessNo accessNo access
Confirm delivered and counted cashFullOwn work onlyFullNo accessNo accessView onlyNo access
Work discrepancy casesFullOwn work onlyApprovesNo accessNo accessView onlyNo access
Set limits and parametersNo accessNo accessApprovesView onlyNo accessView onlyNo access
Maintain carrier schedules and chargesView onlyNo accessApprovesNo accessFullView onlyNo access
View cost and idle cash reportsView onlyOwn work onlyFullFullView onlyView onlyNo access
View audit trailNo accessNo accessView onlyNo accessNo accessView onlyView only
Manage users and rolesNo accessNo accessApprovesNo accessNo accessNo accessFull
  • Full
  • Own work only
  • Approves
  • View only
  • No access

How access is controlled

  • Preparation and approval are separated: nobody approves an order, limit or parameter change they prepared themselves, and significant discrepancy closures need a second person.
  • Roles are configured with you during implementation. You can rename them, add custom roles, and limit them by region, branch or device group, so a branch sees only its own cash.
  • Every permission change is recorded in the audit trail with who made it and when, and access review reports list each person's roles for periodic certification.
  • Staff sign in through your identity provider, and roles can follow its groups. Auditors and examiners get temporary read-only access with a defined scope and an end date, rather than shared accounts.

Features

What it does

Location-level forecasting

Demand forecasts for each ATM, branch vault and teller cash recycler, based on that location's own history and calendar.

Calendar and event effects

Holidays, paydays, benefit payment dates and local events your branches record are reflected in the forecast.

Order recommendations

Suggested order dates and amounts that weigh the cost of idle cash, carrier charges and the risk of running out, with the trade-off shown.

Denomination mix

Cassette and vault orders recommended by denomination, based on how each location's cash is actually used.

Holding limits

Insurance, policy and physical capacity limits set for each location, and recommendations that stay within them.

Carrier schedules

Delivery days, cut-off times, route constraints and service charges for each carrier, used when planning orders.

Order approval

Plans reviewed by cash operations, with orders above your thresholds approved by a second person before they are sent.

Delivery and discrepancy tracking

Ordered, delivered and counted amounts compared, with discrepancies opened as cases and followed through to resolution.

Carrier charge checking

Carrier invoices compared with the services recorded, so charges for missed or unscheduled visits are visible.

Cash position view

Balances, forecast run-out dates and next scheduled deliveries for every location on one screen.

Contingency planning

Plan for holidays, severe weather or a carrier disruption by testing alternative order plans before the event.

Forecast accuracy tracking

Forecasts compared with actual demand by location and denomination, so you can see where parameters need attention.

Integrations

How it connects to your systems

Connects toHowWhat flows
ATM monitoring and switchDevice balances, dispense and deposit activity, and device status from your ATM monitoring system or processor, by scheduled file or API.In: balances, dispense and deposit totals by denomination, device status.
Teller and branch cash systemsVault, teller drawer and cash recycler positions from your branch platform.In: vault and recycler balances, cash in and out by denomination.
Armored carriers and cash providersApproved orders exported in the file format each carrier or cash provider accepts, with delivery confirmations brought back.Out: orders by location, date and denomination. In: delivery confirmations and service records.
Federal Reserve or correspondent cash ordersVault-level order quantities produced for your team to place with your Federal Reserve Bank or correspondent through the channel you already use.Out: recommended order and return quantities by denomination.
General ledgerCash GL balances for reconciliation, and the cost-of-funds rate your finance team sets.In: cash GL balances. Out: cash position and cost data for finance.
Single sign-onStaff sign in through your identity provider (SAML or OpenID Connect).In: user identity and group membership for role assignment.
Vendor risk managementCarrier performance evidence shared with Moraph's Vendor Risk Management (VRM) or your own third-party risk system.Out: missed, late and short deliveries and invoice differences by carrier.
Work APIForecasts, orders, deliveries and discrepancies available to your data warehouse and reporting tools through the Moraph Work API.Out: forecasts, plans, orders, delivery status and cases.

Each integration is confirmed in discovery and specified in the design. See how an engagement progresses.

Security and privacy

How your data is protected

Single sign-on

Staff sign in through your identity provider, so your password and multi-factor policies apply.

Role-based access

What each person can see and do follows their role and region; preparing an order is separate from approving it.

Restricted schedule information

Delivery dates and times are visible only to the roles that need them, supporting your physical security program.

Encryption and keys

Client data is encrypted, with keys Moraph staff cannot use without explicit, time-bound authorization.

Complete audit trail

Every forecast change, order, approval, export and discrepancy decision is logged with the person and time, and cannot be edited.

Data residency

Data stays in the hosting region you choose: the United States, the United Kingdom or Australia.

Company-wide controls, independent audits (SOC 2 Type II and ISO/IEC 27001) and data residency are described in our Trust Center, where you can request the evidence pack.

Reporting

What you can report on

11 standard reports, grouped by who uses them. Each shows who it is for, how it can be broken down, how it is delivered and what it is used for. The data behind them is also available to your own reporting tools.

Operational

Cash position and run-out

For cash operations analysts and branch managers

Every location's current balance, forecast run-out date and next scheduled delivery, with locations at risk shown first.

Break down by
Region, Branch, Location type, Denomination
Delivered as
Live dashboard; scheduled email
Used for
Spotting locations that need attention before they run out.

Orders and deliveries

For cash operations analysts and the cash operations manager

Orders planned, approved, exported and delivered, with exceptions such as missed, late or short deliveries.

Break down by
Carrier, Region, Status, Delivery date
Delivered as
Live dashboard; CSV export
Used for
Following each order through to confirmed delivery.

Open discrepancies

For cash operations analysts, branch managers, cash operations manager

Differences between ordered, delivered and counted cash, with their age, amount, owner and status.

Break down by
Branch, Carrier, Amount band, Age, Status
Delivered as
Live dashboard; CSV export
Used for
Making sure every discrepancy is investigated and resolved.

Management and finance

Idle cash and holding cost

For treasury, finance and the cash operations manager

Average cash held against forecast need, by location, with the cost of funds you set applied to the excess.

Break down by
Region, Location type, Period, Denomination
Delivered as
Live dashboard; PDF and CSV export
Used for
Seeing how much cash the network holds beyond what it needs, and what that costs.

Delivery cost

For cash operations manager, finance and vendor management

Carrier charges by location and period, with the number and type of services and the cost per service.

Break down by
Carrier, Region, Service type, Period
Delivered as
Live dashboard; CSV export
Used for
Understanding what replenishment costs and where schedules could change.

Out-of-cash events

For cash operations manager and branch operations leadership

Each time an ATM or recycler ran out of a denomination, with the forecast at the time and the cause recorded.

Break down by
Location, Denomination, Cause, Period
Delivered as
Live dashboard; CSV export
Used for
Understanding service failures and correcting the parameters behind them.

Carrier oversight

Carrier performance

For vendor managers and the cash operations manager

Scheduled against completed services, missed and late visits, short deliveries and invoice differences, by carrier.

Break down by
Carrier, Region, Exception type, Period
Delivered as
Live dashboard; PDF for carrier reviews; CSV export
Used for
Evidencing carrier performance for reviews and third-party risk oversight.

Invoice comparison

For vendor managers and finance

Each carrier invoice line compared with the services recorded, with differences highlighted.

Break down by
Carrier, Invoice, Service type, Difference type
Delivered as
Live view; CSV export
Used for
Checking charges before invoices are paid.

Controls and audit

Approval and override log

For cash operations manager, internal audit, security officer

Orders approved, returned or changed from the recommendation, and limit exceptions, with who decided and why.

Break down by
Approver, Decision, Region, Period
Delivered as
Live view; PDF and CSV export
Used for
Showing that orders and exceptions were approved by the right people.

Limits and parameter history

For cash operations manager, model risk staff, internal audit

Every change to holding limits, order thresholds and forecasting parameters, with who proposed and approved it and when it took effect.

Break down by
Location, Parameter, Approver, Change date
Delivered as
Live view; PDF and CSV export
Used for
Evidencing that limits and forecasting changes were deliberate and approved.

Forecast accuracy

For cash operations analysts, cash operations manager, model risk staff

Forecast against actual demand by location and denomination over time.

Break down by
Location, Denomination, Period, Day type
Delivered as
Live dashboard; CSV export
Used for
Finding locations where the forecast needs attention, and supporting model review.

Exports, access and evidence

  • Every report can be exported to CSV, and summary and evidence reports to PDF. Reports can be scheduled to arrive by email for the people entitled to see them.
  • Each report can be filtered and the filters saved, so a regional analyst or the cash operations manager can keep their own views. Reports that need a different shape can be built in your own tools from the data described below.
  • Forecast, order, delivery and discrepancy data is available through the Moraph Work API, and can be delivered to your data warehouse or business intelligence tool alongside other branch and finance data.
  • Reports respect each viewer's role: a branch manager sees their branch, the cash operations manager sees the whole network, and delivery schedules are shown only to the roles that need them.
  • Control and audit reports can be run as of a past date and give the same result each time. Running and exporting a report is itself recorded in the audit trail.

Deployment

Where and how it runs

Moraph cloud

Hosted and operated by Moraph in the United States region. United Kingdom and Australia regions are available for institutions outside the US.

Dedicated environment

A single-tenant environment for institutions whose policies require isolation, scoped in the proposal.

With a managed service

Optionally run alongside a Moraph managed service for parameter tuning support and platform administration.

Security controls, independent audits and data residency are set out in our Trust Center. Engagement models and what drives a quotation are on Working with Moraph.

Implementation

What a rollout involves

The general phases are on Working with Moraph. For this product, they involve the following.

Data mapping

We map your ATM, teller and vault data to the Optimizer's model and agree the file or API schedule. We need history extracts and contacts from your ATM and branch systems teams.

Locations and limits

Every ATM, vault and recycler is set up with its capacity, insurance and policy limits, denominations and the carrier that serves it.

Carrier setup

Carrier schedules, cut-off times, charges and order file formats are configured with your vendor management team and tested with each carrier.

Forecast calibration

Forecasts are run against your history and reviewed with your cash operations team, and planning parameters such as cost of funds are agreed and documented.

Shadow planning

The Optimizer recommends orders alongside your current process for the period you choose, and differences are reviewed before you rely on it.

Training and go-live

Analysts, branch managers and approvers are trained on their own workflows, and regions can be moved over in stages.

Limitations

What it does not do

Worth knowing before you evaluate it.

  • Moraph does not hold, move, store or insure cash. Orders are fulfilled by your carriers, cash providers and Federal Reserve Bank or correspondent under your own agreements.
  • The Optimizer recommends orders; your staff approve them, and orders above your thresholds need a second approver.
  • Forecasts depend on the completeness and quality of the device and branch data you provide, and cannot anticipate events nobody records.
  • It does not monitor ATM hardware or dispatch technicians; it uses device status from your existing monitoring system.
  • It does not place orders with the Federal Reserve directly; it produces the quantities your team orders through the channel you already use.
  • It does not settle or reconcile ATM network transactions or handle cardholder disputes.
  • Holding limits, order thresholds and the cost-of-funds rate are your institution's decisions; the Optimizer records and applies them.
  • Physical security procedures for cash handling remain your institution's responsibility under its security program.

Evaluation checklist

What to test in a demonstration or pilot

Questions worth putting to us, and to any other vendor you are considering.

  1. Load an anonymized history for a sample of ATMs and branches and compare the recommended orders with what you actually ordered
  2. Review a forecast for a location you know well and check how holidays and local events are handled
  3. Build a replenishment plan and follow an order through approval and export in your carrier's format
  4. Record a delivery discrepancy and follow it to closure
  5. Review the idle cash report with your treasury team using your own cost-of-funds rate
  6. Confirm role separation and that delivery schedules are visible only to the roles that need them

Questions

Frequently asked questions

Does Moraph handle or hold our cash?

No. Moraph provides the software. Your carriers, cash providers and Federal Reserve Bank or correspondent move and supply cash under your own agreements.

Which carriers does it work with?

Orders are exported in the file format each carrier or cash provider accepts. Formats are configured and tested with your carriers during implementation.

Can branch staff override a recommendation?

Branch managers can record events and request extra deliveries, and analysts can adjust orders. Every change from the recommendation is recorded with a reason, and orders above your threshold need approval.

Does it cover teller cash recyclers and vaults as well as ATMs?

Yes. ATMs, branch vaults and teller cash recyclers are each forecast and planned as their own locations.

How is it priced?

As a subscription, usually measured by the number of ATMs and branches covered, with implementation charged separately. See Working with Moraph for what drives a quotation.

Is there an accessibility conformance report?

Ask for one through the procurement request form at /how-to-buy/request, naming the version you are evaluating.

Next steps

Evaluate ATM & Cash Logistics Optimizer

Book a demonstration

See the product working with sample data, focused on your workflows.

Request a demonstration

Request a technical briefing

Architecture, integrations, security and hosting, with our engineers and your technical team.

Request a briefing

Factsheet

This page on two sides, to share with colleagues or add to your evaluation file.

Open the factsheet

Buying through a formal procurement? See How to buy for purchasing routes, accessibility conformance reports and company information. Documentation: ATM & Cash Logistics Optimizer guides on docs.moraph.com (getting started and security guides are public; setup, administration and integration guides are for client accounts). Support: ATM & Cash Logistics Optimizer support guide.

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