For the following text, take what is relevant, add on, or delete what is not relevant and write a literature review consisting of 3500-5000 words on the discussed topic. Also please add references after each paragraph and list them at the end. You can add what is suitable and you find important Take into consideration the following steps : 1.Searching
2. Structuring 3. Writing
4. Evaluation
5. Reviewing "2.1 Introduction
The research aims to address the company's challenges and the need for a new approach in the cash logistics sector. This involves establishing multi-bank cash centers to offer a range of cash management services, including:
Money and cash transfers: Facilitating fund transfers between SAMA, local banks, retail companies, and commercial entities looking to securely move cash to banks.
Precious metals and valuable document transfers: Safely transporting important documents for companies, securities trading firms, banks, and insurance companies from banks.
ATM management and replenishment: Ensuring regular cash supply to contracted banks' ATMs through a team of specialists, technicians, and armored vehicles. This includes ATM maintenance and monitoring.
Cash sorting and processing: Receiving cash from institutions and banks for sorting and processing.
Cash treasury and financial settlement management: Acting as the back office for banking institutions, handling clearing and settlement operations, cash services, and providing services to the retail sector. This includes linking and settling transactions between retailers and banks.
Furthermore, the MBCC project aims to expand electronic payment services to keep pace with the Kingdom's progress and digital transformation.
2.2 Factors to consider in MBCC design. 
There are several factors and elements that need to be considered when designing MBCC:

SAMA specifications and requirements for vaults and entrances.
Building costs.
Safety, security, technology, and equipment.
Staffing costs.
Building space and location.




2.3 General Considerations for MBCC Planning: 
2.3.1. The MBCC should align with various factors, including stakeholders, SAMA and government regulations, sustainability, and technology.
2.3.2. It is crucial to keep up with electronic advancements in the banking sector and offer services that match this progress. This will enhance the chances of success and long-term sustainability of the studied MBCC project.
2.3.3. The MBCC should provide services for the sale, installation, and maintenance of ATMs, as well as deposit machines, cash recycling machines, queuing systems, note and coin counting and sorting devices, protection systems, and other devices commonly used in the banking industry.
2.4 Stakeholders
There are numerous stakeholders in the MBCC delivery domain, including owners, bank branches throughout the Kingdom, various retail companies, commercial companies, mining companies, gold and jewelry companies, and other institutions requiring services such as money transfers (e.g., government institutions, ministries, agencies, diplomatic embassies, gold shops, etc.). 
Owners play an important role in driving the establishment and success of MBCCs, providing the necessary resources and support. Bank branches across the Kingdom benefit from the services offered by MBCCs, enabling them to efficiently manage cash transfers and meet the demands of their customers. Retail companies and commercial entities rely on MBCCs for secure and reliable cash management solutions, ensuring smooth operations and financial stability. Furthermore, companies operating in the mining, gold, and jewelry sectors need the services provided by MBCCs, facilitating secure transactions and the movement of funds. Government institutions, including ministries, agencies, and diplomatic embassies, also benefit from MBCCs' capabilities, enabling seamless money transfers and financial operations. Overall, the involvement of these diverse stakeholders underscores the essential role of MBCCs in meeting the cash management needs of various industries and institutions.
2.5 SWOT Analysis:
SWOT analysis is a tool that focuses on objectives and is used for analyzing the strengths, weaknesses, opportunities. By examining both internal factors (strengths and weaknesses) and external factors (opportunities and threats), SWOT analysis provides a comprehensive understanding of the project's current situation and aids in the development of a competitive plan. It helps identify the project's advantages and areas for improvement which allows for effective goal-setting and strategic decision-making. Simultaneously, by examining external factors, such as market trends and potential risks, the SWOT analysis enables the project team to identify and capitalize on opportunities while mitigating potential threats. This comprehensive evaluation helps shape a clear vision for the project and ensures a competitive strategy that aligns with its goals.
2.5.1 Strengths Points: -
• Strong market reputation
• Solid financial position
• Extensive experience in money transportation and handling precious metals, which are part of the cash management services provided by the cash centers.
• Numerous existing clients, making it easier to promote the cash management services offered through the centers.
• Establishing 10 cash centers in various cities across the Kingdom, enabling the company to reach a wide range of targeted sectors and become one of the largest cash management service providers in the country.
• The MBCC project aims to expand in the future and enhance electronic services in the banking sector.
• Cash withdrawals through ATMs in the Kingdom reached approximately 140.7 billion riyals in the third quarter of 2021.
• The Kingdom's commitment to developing a thriving financial sector as a key facilitator in achieving the goals of Vision 2030.
• The MBCC project targets a significant segment of Saudi society, including the banking sector and other industries, as its services cater to retail traders, government institutions, commercial companies, healthcare providers, and other economic entities dealing with cash.
2.5.2 Weaknesses 
• Entry of new competitors with huge investments, which leads to a decline in the number of customers and a decrease in the project's revenues.  
• Implementation of a pricing plan less than the prevailing prices for services, which will reduce the targeted profits.  
• The permanent lack of recreation of the project, which leads to the lack of popularity of the project's name among the target groups, and thus lower profits.
2.5.3 Opportunities Available
• A huge boom in the banking sector.
• Benefiting from the Kingdom's vision 2030 regarding the development of the service and banking sectors.  
• Remarkable economic growth in the Kingdom serving the project's trends.  
• Ease of marketing and advertising due to the availability and prevalence of digital marketing.  
• The increased volume of bank branches and ATMs in the Kingdom that aim to provide the services.  
2.5.4 Threats 
The introduction of new competitors with significant investments beside existing competitors.
 The unavailability of sufficient funds for targeted marketing range.
 The limited number of trained workers specialized in the field. 
Through SWOT analysis, there are the opportunities and threats that can be addressed: 
Providing services in an innovative and attractive way.  
Focusing on delivering high-quality services to customers and continuously improving to establish a strong position.  
A strong marketing team that can implement marketing strategies, advertisements and publicity campaigns to persuade the target audience. 
Executing the project and launching it quickly to occupy a first and major space in the market before new competitors enter. 
2.6 Budget:
The budget is a plan or process for the upcoming period that outlines how the company will allocate its financial resources to meet future needs, including capital expenditures (capex) and working capital requirements.
2.7 Profit and Loss:
The very important element to be considered when establishing an MBCC is to study the project profitability and its impact on the expected profit and loss for the upcoming periods. 
The services offered by MBCCs, such as cash transfer, cash management, and ATM feeding, are essential and in-demand services for both the banking and retail sectors. These services are sought after by various target sectors to mitigate their work-related risks, leading to a growing demand for the project under study. This demand is particularly evident due to the increasing number of bank branches and their corresponding ATM machines in the Kingdom. As the banking and retail sectors expand, the company targets these sectors, anticipating a higher demand for the project's money transfer services.



Social Attributes:
Environmental Pollution Degree: The project serves the community by offering cash transfer, cash management, and other services in a safe manner without causing any environmental pollution.
Local Manpower Dependency Degree: The project benefits society by creating numerous job opportunities for both local and foreign workers.
Project Attracting Benefits: The project contributes to the expansion and widespread availability of the services provided, as well as the growth of the company's branches across the entire Kingdom.

Estimating the Project's Economic Life:
Project Operational Life: The Project Operational Life is determined individually for each project based on its duration of productive business operations, and it is expected to last for at least 10 years, if not longer.
Project Economic Life: This refers to the period during which the project remains financially profitable, and it is anticipated to extend for a minimum of 10 years or more.
Development of Operating Methods (Tech. Development): Technological advancements have an impact on the Project Operational Life.
The emergence of modern cash management technologies, including advanced machines for cash counting, sorting, and processing, as well as the development of electronic payment methods and the reduction of reliance on paper-based transactions, along with customer feedback and service evaluation methods, all influence the economic life of the project. Therefore, it is crucial to align with technological progress to ensure sustainability.



General introduction to the project: 
Commercial banks appeared in the Arabian Peninsula at the end of the nineteenth century and the beginning of the twentieth century AD, when they were characterized by their traditional and simple appearance.  After the unification of the Arabian Peninsula at the hands of King Abdulaziz Al Saud and the extraction of oil, the growth of the economy, the expansion of foreign trade, and the increase in the volume of commercial exchanges, the state’s need for the presence of banks to provide banking services in the field of economic and social development, and the development of the banking structure coincided with the development of government departments  competent in financial business, and with the emergence of the processes of supervision by these departments over financial business;  Where a Department of Public Finance was established in the year 1344 AH to carry out all financial and monetary affairs.  In the year 1351 AH, the Ministry of Finance was established;  The Saudi Arabian Monetary Agency was established during the reign of King Abdulaziz Al Saud in the year 1952. In 2020, its name was changed to become the Central Bank of Saudi Arabia, while retaining its acronym (SAMA), “because of its historical importance and its position locally and globally. 
In recent years, the Arab banking sector has been able to develop its financial capabilities, human resources, technological capabilities and practical experience, which qualifies it to be active in the process of economic and social development in the atmosphere of competition that comes from  The current of globalization, which has become a reality and there is no room for disengagement or disregard, and the Saudi banking sector is one of the giant common denominators of civilization, which, over the nine decades since the establishment of the Kingdom, witnessed promising and ambitious achievements, which formed the Kingdom a strong global presence in the field of financial transactions, to the degree that  In which the Saudi banking sector became the economic support of the state and its support in all the pivotal stations throughout its ancient history.  The electronic banking and financial solutions provided customers with a wide list of options that enable them to complete their financial transactions remotely and depending on the electronic channels of banks such as payment through smart phones, the issuance of digital cards through the bank’s application on smartphones, and the possibility of opening bank accounts via smart phones.  After, submitting applications for obtaining financing, making money transfers, submitting bank credit applications, and paying employees' salaries.  It is worth noting that the number of commercial banks in the Kingdom at the end of 2019 reached twenty-nine, 27 operating, and 2 licensed, including branches of foreign banks.  The number of commercial bank branches operating in the Kingdom increased to 2,076, by operating 12 new branches.  According to the distribution of branches according to the administrative regions, the Riyadh region had 626 branches, or 30.2 percent of the total, Makkah Al-Mukarramah region had 442 branches, or 21.3 percent of the total, the eastern region had 408 branches, or 19.7 percent of the total, Asir region with 128 branches, or 6.2 percent of the total, Qassim region with 120 branches, or 5.8 percent of the total, and Medina region with 104 branches, or 5.0 percent of the total.  The total transactions executed through ATMs during the second quarter of 2021 AD amounted to approximately 404.2 million transactions, with a total cash withdrawal of 147.6 billion riyals, which included bank operations and Mada operations.  The total number of operations executed through point-of-sale devices during the second quarter of 2021 AD was about 1,205.8 million, with a total sales of 118.1 billion riyals.  The total number of ATMs reached about 16.9 thousand at the end of the second quarter of 2021 AD, and the number of ATM cards issued by local banks amounted to about 36.2 million cards2 while the number of POS machines reached at the end of the second quarter of 2021 AD about 848.4 thousand devices.  From this point of view, we find that the volume of banks and ATMs in the Kingdom and the number of branches is constantly increasing in line with the increase in the volume of trade, the size of the population in the Kingdom and commercial activities, which has led to a high demand for money transfer services, cash feeding of ATM machines, maintenance services and other services called cash management, which led to the emergence of several companies specialized in this field.  It is worth noting that the volume of commercial activities in the Kingdom continues to rise, as the number of commercial licenses for wholesale and retail activity issued in the Kingdom reached 161,622 licenses in 2020, and the project targets strategic companies working in the field of mining, gold and jewelry, retail companies and business companies that need services for money transfer and transfer of valuable documents.  
Hence, The importance of the project comes as there is no doubt that a cash center for providing various services of cash management by the "Arab Company for Security and Safety Services ASSSCO" has become one of the important projects with high profitability, which has received a great deal of attention from the investors.
Project description: 
The idea of the project is to establish cash centers affiliated with the "Arab Company for Security and Safety Services (ASSSCO)".  The project will consist of 10 cash centers, with the company's main headquarters located in Riyadh, Saudi Arabia. The project will have 10 cash centers distributed over 10 cities (Riyadh, Jeddah, Dammam, Makkah, Abha, Hafr Al-Batin, Al Baha, Tabuk, Madinah, and Najran), divided into three categories as follows: Category A (will include the centers located in the main cities, numbering 3 centers in Jeddah, Riyadh, Dammam. It will also have central lockers); Category B (comprising the lower-level cities of the main cities); Category C (comprising small cities).
The project will provide a variety of cash management services, including:
Money and cash transfer services: This involves the transfer of funds between the Saudi Monetary Agency and local banks, as well as for retail companies and commercial companies that wish to transfer and secure cash from their headquarters to banks.
Transfer of precious metals: This service is particularly for strategic companies working in the field of mining, gold, and jewelry, as well as between gold and jewelry stores.
Transfer of valuable documents: This service is provided to transfer important documents for companies in general, securities trading companies, banks, insurance companies, and the banking sector.
Management and feeding of automatic teller machines (ATMs): This includes feeding ATMs for contracted banks, with a team of specialists, technicians, and armored vehicles transferring cash boxes from banks to their ATMs on an almost daily basis. The service includes not only cash feeding but also collection services, maintenance, and monitoring of ATMs.
Sorting and processing cash: This involves receiving cash from institutions and banks, sorting coins by characteristics, counting, processing, sorting, bundling, and securing them with plastic tape.
Management of cash treasury and financial settlement: This plays the role of the back office in banking institutions, including clearing and settlement operations, cash services, and other services provided to the retail sector, facilitating linking and settlement between them and banks.
The project also aims to expand services and electronic payments, to keep pace with the progress and digital transformation that the Kingdom is witnessing.  The project aims to provide its services to many sectors, which mainly include bank branches in the Kingdom, various retail companies, commercial companies, companies working in the field of mining and gold, and other institutions that need money transferring services (such as government institutions from ministries and agencies, diplomatic embassies, gold shops, and others).  The project services will be provided through a fleet of armored vehicles equipped with the latest secure safes and monitoring devices to secure their movement, which are electronically and visually linked to the company’s control centers, so that the movables of money and cash reach their intended destination in all regions and cities of the Kingdom with all speed and safety. Qualified and trained human resources will be available to carry out the operations.  The project will be marketed through the development of a large marketing and advertising strategy by qualified and specialized cadres to occupy a high and distinguished position within the market.  

Services provided: 
The project provides multiple services as follows: 
Feeding and maintaining ATMs.  
Services for the transfer of money, documents and precious metals. 
Cash management services.

Suggested business ideas that help increase the profits of the project: 
The business ideas of the project are considered ideas that can be applied before the opening or even during the operational cycle to help the project owner increase the profitability and expansion of the project in order to attract the largest number of target groups from banks, retail companies and many commercial and economic sectors and meet their needs with the diversity of services provided.  
Providing services for selling, installing and maintaining ATMs for banks in addition to deposit machines ,cash recycling machines, queuing systems, devices for counting and sorting notes and coins, protection systems and other devices used in the banking and banking sector.  
Keeping pace with the electronic progress in the banking sector and providing services that align with the same advancements, which increases the chances of success of the project under study and its continuation for a longer period.  
Project Objectives: 
The project objectives are divided into five main categories: - 
First: personal objectives for the project owner:
Achieving a good profit return. 
Providing distinguished service at the highest level to reach a distinguished position in the work environment and gain the confidence of customers.  
Forming social relationships that enable him to expand in the future and engage in new activities.  
Second: Social objectives:
Providing job opportunities for the citizens of the Kingdom.  
Establishing a large number of cash centers distributed in all cities and regions of the Kingdom to serve a number of banks simultaneously according to the Central Bank requirements.  
Improving the situation of workers in the banking and commercial sector and other sectors for which the project provides cash management services to.  
Providing cash management services in cities where there are no bank branches, therefore serving the residents of these cities.  
Providing ATM feeding and maintenance services to ensure that they are available most of the time to customers and to ensure that consumables are always available.
Third: Economic objectives: 
Improving the economic situation of project workers.  
Contribute to the recovery of the economic movement within the country.  
Reducing the total costs of money transfer services for banks and financial institutions through a company specialized in money transfer.  
Serving the institutions of the banking sector, banks and the retail sector by providing cash management and money transfer services to improve their efficiency and mitigate risks related to their business.  
Contribute to increasing the revenues of the service sector in the Kingdom, especially commercial and banking services.  
Providing a highly efficient service at competitive prices that enables project owners to achieve the desired profit.  
Contribute to increasing the competitiveness of the banking sector within the Kingdom.  
Contributing to reducing unemployment rates in the Kingdom, which amounts to 12.5%, and achieving the Kingdom's Vision 2030 by providing jobs.  
Covering part of the demand for cash management services related to all sectors targeted in the Kingdom.  Contribute to the realization of the Kingdom's vision to create a prosperous water sector that will be a major enabler for achieving the goals of Vision 2030.  
Fourth: Marketing Objectives: 
Work to obtain a noticeable continuous positive growth in the number of dealers with the project.  
Making marketing costs a percentage of revenue.  
Work to obtain a continuous positive growth in the project's revenues.  
Fifth: Financial objectives: 
Working to double growth rates for each prospective year.  
Working to reduce the variable operating costs.  
Work to increase the profit margin.

Success factors of the project: 
Diversity of services that can be provided to the targeted sectors of cash management services for the banking and retail sectors. 
The use of software engineers with experience in the field of managing electronic protection systems to solve any technical problems that may face the project. It also ensures that the electronic system of the center and safes is not penetrated and that the money transfer vehicles are secured.  
Contracting with a company specialized in marketing to market the project in several ways in all cities and regions of the Kingdom.  
Providing customer service to respond to inquiries and any complaints regarding the level of service or any problem that the target groups and sectors may face in order to work on solving it and to ensure that it is not repeated.  
Using the latest technologies in the project through the use of advanced communication networks to process the data of all the counting and sorting devices in the cash center.  
Connecting customers through an electronic network to see the movement of their money and other movables of gold and special documents.  
Providing a staff of guards and security characterized by honesty ,efficiency, and the ability to use weapons in case needed, and providing them with continuous training to be ready at all times for emergency cases of theft, penetration or armed robbery on public roads and inside cash centers.  
Providing armored vehicles to provide high-efficiency money transfer services, while providing an experienced guard staff with honesty to preserve funds and maintain the credibility of the center.  
Placing tracking devices and cameras inside the money transfer vehicles to monitor them, know their route, and ensure their safe arrival to the specified destinations.  
Central safes are designed with the highest security standards to store customers' money and ensure that they are not hacked or stolen.  
Setting appropriate prices for the services that the project provides, and stand out as distinct competition from the rest of the competitors to attract the target groups.  
Dealing with customer objections and complaints in a professional manner to keep them and win them as permanent customers.  
The necessity of following up competitors, their prices and movements, and focusing on providing the best performance that distinguishes it from its competitors with the aim of excelling and outperforming them.
The most important features of the project: 
ASSSCO has great experience in the field of transporting cash, precious metals and documents, which is the part of cash management services that concern the cash center. ASSSCO was established in 1405 AH (1984 AD), as the first Saudi company licensed to work in the security field, and the number of ASSSCO branches reached 19 across the Kingdom.  
Establishing the project for 10 centers distributed over different cities in the Kingdom to cover a large part of the Kingdom by providing cash management services to the targeted sectors. 
The project rents a number of headquarters for its branches, which were previously equipped by banks.  
Dividing the branches of the project into several categories according to the cities in terms of their size and the number of bank branches.  
The work of three central lockers in the largest branches of the center in Jeddah, Riyadh, and Dammam.  
The project provides many cash management services that are needed by many sectors, including banks, retail companies, and others. 
The project is distinguished by providing back office services to many financial and banking institutions, which include clearing and settlement operations between banks and retailers and other monetary services.  
Providing cash management services such as counting and sorting cash and feeding ATMs.  
The decrease in the number of competitors who provide all cash management services in the Kingdom.  
The project's potential for rapid development and access to many target groups, as it provides necessary services to all banks. It is also possible to expand through the services provided and to provide sales and maintenance services for ATMs. 
Beneficiaries targeted by the project: 
The project provides cash transfer and cash management services to many sectors as follows: 
Banks 
Various retail companies.  
Diverse financial institutions.  
Strategic companies working in the field of mining, gold and jewelry.

The most important factors that affect supply and demand:-
The size of the service sector in the Kingdom.  
The size of the banking sector in the Kingdom.  
The size of commercial banks in all regions of the Kingdom.  
The volume of cash withdrawals from ATMs.  
The size of retail companies in the Kingdom.  
The size of the commercial companies in the Kingdom.  

Therefore, the number and development of these sectors become one of the most important influences that affect the volume of demand for project services, as they are considered the main consumers of project services. The following is a presentation of the size and numbers of these sectors and their growth and development rates, which are the project market."