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Cash Cycle Optimization enhances the journey of cash from Central Banks to the people and back by improving operational efficiencies and achieving the right balance of cash to meet consumer demand  — thereby reducing overall cash costs.


We empower Banking, Retail and Service industries worldwide to drive optimization and cost reduction in the cash cycle


15 years of leading expertise in the field of supply chain optimization and long-ranging experience with modern cash handling systems.



Guarantees precise cash forecasting and replenishment planning to ensure efficient cash distribution across the entire supply chain, from the Central Bank to ATMs, bank and retail branches and back.

High-end optimization achieves minimum spending for logistics, cash processing and cash holdings, while ensuring cash availability across the network at all times.

Modern AI Algorithms achieve full automation in a changing environment, even for diverse complex recycling devices and processes.

Provides automated communication between the central cash team, commercial bank/retail branches, CIT teams and Central Bank branches for ordering, provisioning, reconciliation, inventory management, order status changes as well as track&trace.

Covers the entire cash supply chain, modularly aligned with your cash processes to enable you to start small but think big.

planfocus empowers you to gain significant efficiencies and helps you remain competitive, speed up your processes and increase your margins.

Your benefits

For best-in-class optimization results.


Minimizes cash holdings
Provides cash visibility with
up to


reduction of typical
inventory holding costs
Reduces CIT Services
Reduces emergency orders
up to


proven reduction
of CIT costs
Streamlines Processes
Optimizes Cash Operations
up to


Cash Points in 4 h
with only 1 Cash Agent
Reduces Cash Operation Costs
Optimizes Cash Center Processes
up to


reduced cash holdings and
improved process efficiencies

Typical ROI* 12 months
 after full implementation. Additional savings of 10 to 25 percent compared to other solutions.

Calculate, how much money you can save with Cash Cycle Optimization.

Our solutions

Carrying you safely into the future.


Forecasting & Optimization

Find out more about forecasting, replenishment planning and monitoring of cash points

Cash Center Optimization

Find out more about managing, monitoring and optimizing Cash Center-/Pool-Stocks and the support of reconciliation workflows.

Tour Optimization

Find out more about managing and optimizing CIT tours, seamlessly integrating cash planning and tour disposition

Track & Trace

Find out more about end-to-end track & trace of all cash shipments across the entire supply chain, combined with transparent monitoring.

Explore our solutions. Use our modul configurator to check out which solution is the best for your business.


Selected projects for excellent clients



Deutsche Bank optimizes Its Cash Logistics Activities with CCO®

For Deutsche Bank, Germany’s largest private financial group by all measures, transparency and control of its cash inventories and deliveries are key to ensure that all of its cash points are replenished always on time and with maximum cost efficiency. Only through a centralized, precisely planned control of its various cash-in-transit (CIT) operators across the country, the successful reduction in cash deliveries as well as cash inventory holdings can be achieved, leading to significant cost savings.


ING optimizes End-to-End Cash Processes using planfocus® CCO Solution

ING Belgium, one of Belgium’s leading providers of financial services, has deployed a solution which allows to optimize the end-to-end cash handling and management. The solution has been rolled out to all ATMs (branches will shortly follow), and will enable ING Belgium to ensure cash availability as well as visibility at all times, while reducing the efforts for handling operations and deliveries.


FIDUCIA GAD Subsidiaries TSG and RatioData expand their service offering with CCO®

FIDUCIA GAD IT AG is one of Germany’s largest IT Service Centers. All 1,100 Cooperative Banks as well as numerous private banks are among its clients. In order to better plan and monitor cash handling, its service subsidiaries Technology Service GmbH (TSG) and RatioData IT Solutions & Services GmbH, expand their use of the cash management solution CCO® from planfocus.

Finanz-Informatik_Logo.svg_ Kopie

Complex migration at more than 100 savings bank clients, with diverse cash processes

planfocus is proud of the successful migration of almost 8.000 cash points overnight, instead of a gradually release change and migration in several batches. planfocus also managed the seamless leap of certain customers on older versions to the latest product with lots of essential adjustments to new functionalities.


CCO® controls Cash Management for Shell at Deutsche Postbank AG

In a groundbreaking project of Shell Deutschland GmbH, Deutsche Postbank AG and planfocus software GmbH, a comprehensive automation of all cash processes for the German network of Shell gas stations was achieved. At a total of 1,400 Shell gas stations nationwide, customers can now use their stop at the gas station to "refuel cash" at the automated cash register of the gas station.


Managing rapid growth 
with automated Cash Cycle Optimization

Alinma Bank opted for Cash Cycle Optimization CCO® in order to manage their cash processes more efficiently. The bank faced increasing challenges due to their rapidly growing branch network. They needed a software application that manages their cash supply for the entire network reliably and on time. Today, Alinma is able to monitor their entire cash supply chain with end-to-end transparency.

A selection of customers we are working for


Cash is still king and will remain so – Deutsche Bank

14. June 2021

Cash is not likely to disappear anytime soon, according to economists at Deutsche Bank. On the contrary, there has been a sharp increase in cash in circulation and, more recently, the COVID-19 pandemic has caused demand for cash to skyrocket. Important Quotes: “Last week, the European Central Bank (ECB) reported …

Cash is still king and will remain so – Deutsche Bank Read More »

planfocus releases Cash Cycle Optimizer CCO® V7

18. March 2021

After 3 years of extensive R&D, planfocus has proudly released the latest version of Cash Cycle Optimizer CCO® V7, bringing the most modern frontend technologies to our leading edge AI Forecasting Technologies. planfocus customers will benefit from new dashboards, scaling to hundreds of thousands of cash points in a single client, …

planfocus releases Cash Cycle Optimizer CCO® V7 Read More »

C. Sickinger to assume responsibility as SVP of Operations

27. January 2021

Following over a decade of outstanding contributions to planfocus Software, the planfocus Management Board has decided to promote Clemens Sickinger to assume extended responsibilities for all Operations within planfocus management.

P. Woydich to assume responsibility as SVP of Strategy & Sales

27. January 2021

Following several yeas of outstanding contributions to planfocus Software, the planfocus Management Board has decided to promote Peter Woydich to assume extended responsibilities within planfocus management.

planfocus Platinum at AMERICAS Cash Cycle Seminar, 2020!

5. November 2020

Planfocus to sponsor the first Virtual AMERICAS Cash Cycle Seminar, Nov 10-12, 2020 as Platinum Sponsor. A number of highly informative sessions will be broadcast Live with our clients and partners, including a panel on Market Developments for Outsourcing Cash Management, a main session presentation and two breakout sessions. Read …

planfocus Platinum at AMERICAS Cash Cycle Seminar, 2020! Read More »

Planfocus Recognized As Top 5 FinTech Solution Provider

15. June 2020

We are proud to announce that planfocus software has been recognised as one of the top 5 Fintech solution providers in Europe in 2020: “The empowerment they deliver to their customers to optimize the cash cycle and reduce costs makes them a leader in the cash and ATM market.” Their …

Planfocus Recognized As Top 5 FinTech Solution Provider Read More »

Cash Cycle Optimization in Critical Times

30. March 2020

Planfocus Cash Cycle Optimization is here to help customers deal with changing ATM patterns as strong steps are taken around the world to control the spread of the COVID-19 virus. With social distancing in place worldwide, the pressures of this unprecedented situation affect all of us. An important restriction that …

Cash Cycle Optimization in Critical Times Read More »

Planfocus Software Celebrates its 15th Anniversary

15. January 2020

Fifteen years of inspiration and innovation have brought planfocus significant success and the role as the global leader in software innovation for cash cycle optimization. This crystal anniversary deserves celebration; celebration by both the planfocus team and our customers and partners. There are now over 50,000 cash points live with …

Planfocus Software Celebrates its 15th Anniversary Read More »

CashCon 2020

27. November 2019

planfocus software GmbH, an international leader in the optimization of the cash cycle, will present its Cash Cycle Optimizer (CCO) software solution for the first time at CashCon in 2020. We are already looking forward to a large number of technical discussions with you as industry experts. CashCon 2020 will …

CashCon 2020 Read More »

Bank Al-Jazira KSA implements planfocus CCO® solution end-to-end

6. November 2019

Bank Al-Jazira sets new milestone in Saudi Arabia with the implementation of the planfocus cash cycle solution CCO® for managing its end-to-end cash processes To further increase process efficiencies and extend its leadership in ATM management in the Kingdom of Saudi Arabia (KSA), Bank Al-Jazira (BAJ) selected planfocus Cash Cycle …

Bank Al-Jazira KSA implements planfocus CCO® solution end-to-end Read More »


planfocus software GmbH
Werner-Eckert-Straße 9
81829 München, Germany

Tel. +49 (0)89 4521 374-00
Fax +49 (0)89 4521 374-09


Latest News

Cash is still king and will remain so – Deutsche Bank

Cash is not likely to disappear anytime soon, according to economists at Deutsche Bank. On the contrary, there ...
Read More

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