Effective cash management operations will reduce operational expenses by minimizing cash outflow and accelerating cash inflow
Is your ATM network profitable? Are all the ATMs secure, reliable and optimally located? How are ATM transactions interchange expenses monitored? Are you positive or negative interchange?
Is the correct self-service equipment in place? Is this what the customers want, and what might they want in 12 months from now Are your human capital dedicated to the right areas? Do they have the skills and training required to perform optimally?
What does it cost to design, build and operate a traditional “brick and mortar” branch? Are your KYC policies followed accurately and appropriately across your network? Are digital/self-service branches (securely offering 24/7 operations) part of the answer?
In an age of disruptive tech and fast-paced change, we support banks and businesses of all sizes with decision-making support and expert insights.
Define what the customers want and how to relocate the existing human capital by reskilling and what would the cost efficiency generate
A methodical approach to drive sustainable and controlled change at an enterprise-wide level that not only modernises and maximises operations but creates new opportunities for revenue.
Business-disciplined framework for managing organizational changes, including transformational change, through to full Return on Investment
Evaluate the Cash Operations, Assess and analysis the self-service fleet, evaluate the Reconciliation, Replenishment processes and Monitoring tools. Appraise the procedures, Vendors and contracts
Recommendation for the rationalization, redeployment and replacement of self-service equipment improving interchange and reduction in maintenance cost.
On-going training programs, daily monitoring via live dashboards, monthly reports and follow-ups with an end-to-end project management
To deliver excellence with integrity, hard work and dedication.
To create value through product, equipment and process innovation delivering exciting customer service.
To provide the best outcomes for our customers, partners and end-users. Deliver the best footprints for Cash
Experienced operational banker Malcolm W Clingham helps financial institutions and their customers pinpoint and unlock sustainable growth potential in existing customer journeys. Bringing together expertise in Cash Management Operations, Digital Branch transformation and Security, Risk, Audit Operations and Health & Safety, Malcolm leads teams that reconfigure banking journeys for Retail, SME and Corporate customers. A visionary leader with a strategic outlook, Malcolm’s international background pairs the best in technology with the needs of banking customers.