在COVID-19大流行危机造成的市场波动时期,ATM管理面临的挑战。

IF 1.4 4区 管理学 Q3 OPERATIONS RESEARCH & MANAGEMENT SCIENCE Central European Journal of Operations Research Pub Date : 2023-01-01 DOI:10.1007/s10100-022-00816-2
Marcin Suder, Tomasz Wójtowicz, Rafał Kusa, Henryk Gurgul
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引用次数: 0

摘要

自动柜员机(ATM)网络管理中最重要的问题之一是正确预测现金需求。通常,这种需求(表示为ATM取款的值或次数)具有一些规律,可用于评估这些变量的未来值。然而,当发生可能影响ATM用户行为的危机时,预测就成了一项挑战。在这种情况下,重要的是要确定危机的发展和有关它的各种信息如何影响人们对现金的态度。本研究旨在研究COVID-19大流行对ATM客户行为的影响。根据81台自动取款机的日常数据,我们分析了波兰COVID-19大流行之前和期间取款金额和次数的变化。事件研究分析使我们能够准确地确定用户行为发生变化的时刻。这意味着也有可能检查ATM用户对流行病限制的宣布和实施的反应,并确定影响人们对现金态度变化的因素。从社会学的角度来看,这样的研究也很重要,因为它使人们能够了解人们对新出现的危机的反应。因此,其结果不仅对ATM网络的管理人员有用,而且对各种当局和政策制定者也有用。
本文章由计算机程序翻译,如有差异,请以英文原文为准。

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Challenges for ATM management in times of market variability caused by the COVID-19 pandemic crisi.

One of the most important issues related to the management of an Automatic Teller Machine (ATM) network is the correct forecasting of the demand for cash. Typically, this demand, expressed as the value or number of ATM withdrawals, has some regularities that can be used to evaluate future values for these variables. However, forecasting becomes a challenge when a crisis occurs that could affect the behavior of ATM users. In this context, it is important to identify how the development of the crisis and the various information concerning it may affect people's attitudes to cash. This study aims to examine the impact of the COVID-19 pandemic on the behavior of ATM customers. On the basis of daily data from 81 ATMs, we analyze the changes in the value and number of withdrawals just before and during the COVID-19 pandemic in Poland. An event study analysis allows us to determine precisely the moments in which changes in user behavior took place. This means that it is also possible to examine the reaction of ATM users to the announcement and implementation of the pandemic restrictions, and to determine the factors that had an impact on the change in people's attitude to cash. Such a study is also important from a sociological point of view, as it enables one to understand people's reactions to the emerging crisis. Hence, its results may be useful not only for managers of ATM networks, but also for various authorities and policy makers.

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来源期刊
Central European Journal of Operations Research
Central European Journal of Operations Research 管理科学-运筹学与管理科学
CiteScore
4.70
自引率
11.80%
发文量
30
审稿时长
3 months
期刊介绍: The Central European Journal of Operations Research provides an international readership with high quality papers that cover the theory and practice of OR and the relationship of OR methods to modern quantitative economics and business administration. The focus is on topics such as: - finance and banking - measuring productivity and efficiency in the public sector - environmental and energy issues - computational tools for strategic decision support - production management and logistics - planning and scheduling The journal publishes theoretical papers as well as application-oriented contributions and practical case studies. Occasionally, special issues feature a particular area of OR or report on the results of scientific meetings.
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