Case Study: DBS Bank achieves 80% fewer ATM cash-outs with SAS

DBS Bank has 80 percent fewer cash-outs, improves process efficiency by 33 percent

DBS Bank, Singapore’s largest bank, faced a challenge in managing cash demand across more than 1,100 ATMs, where cash-outs hurt customer experience and increased operational costs. To address this, DBS used SAS forecasting and optimization tools, including SAS Forecast Server and SAS/OR, to better predict withdrawal patterns and plan ATM reloading more efficiently.

With SAS, DBS created an optimized replenishment model that scheduled reloads at non-peak times and reduced unnecessary trips and excess cash. The results included an 80% reduction in cash-outs, a 20% drop in replenishment trips, a 40% reduction in cash returned to the bank, and more than 30,000 hours of customer wait time eliminated annually.

DBS Bank

David Gledhill

Managing Director and Head of Group Technology and Operations