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Soft Computing

, Volume 23, Issue 16, pp 7193–7205 | Cite as

A model towards global demographics: an application—a universal bank branch geolocator based on branch size

  • Julia García CabelloEmail author
Methodologies and Application
  • 58 Downloads

Abstract

Branch size strongly depends on branch cash holdings. However, while any exhaustive study into branch cash holdings must include demographics around branches, there are major variations when defining demographics according to “local” parameters, as opposed to “internationally accepted” ones. This wide fluctuation in definitions makes cross-border comparisons very difficult. The present paper intends to overcome these difficulties by developing a global spatial model that uses cash holdings as a major determinant of branch size and where geographical concepts are replaced by “internationally accepted” notions. Specifically, the contributions of this paper are twofold: firstly, it presents a theoretical model (based on Markov and Gibbs random fields) to analyse the branch cash holdings from a global spatial standpoint. Secondly, it introduces a universal branch geolocator based around a decision model that redesigns the bank branch network according to branch size. Importantly, the model variables (including branch size as the main criterion) can be replaced/expanded as needed through the use of a highly versatile decision-making tool that can be applied to a wide range of contexts, even non-banking ones as long as they are influenced by demographics.

Keywords

Universal geolocator Branch size Branch cash holdings Spatial stochastic processes Demographic parameters 

Mathematics Subject Classification

C61 C63 G17 G21 

Notes

Acknowledgements

Financial support from the Spanish Ministry of Science and Innovation “Regulación Financiera y Sector Bancario en Tiempos de Inestabilidad: Mecanismos de Prevención y Resolución de la Crisis” (ECO2014-59584-P), Junta de Andalucía “Excellence Groups” (P12.SEJ.2463) and Junta de Andalucía (SEJ340) is gratefully acknowledged.

Compliance with ethical standards

Conflict of interest

The author declares that she has no conflict of interest.

Human and animal rights

This article does not contain any studies with human participants or animals performed by the author.

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Copyright information

© Springer-Verlag GmbH Germany, part of Springer Nature 2018

Authors and Affiliations

  1. 1.Department of Applied Mathematics, Faculty of Economics and Business SciencesUniversity of GranadaGranadaSpain

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