# A Hybrid IVFF-AHP and Deep Reinforcement Learning Framework for an ATM Location and Routing Problem
## 2 The Criteria Selection  
The criteria for the ATM location problem are determined based on the literature and classified into four main criteria: traffic, demographic, commercial and financial, and environmental (Table 1).  
\begin{table}
\begin{tabular}{c c c} \hline
**Main Criteria** & **Sub Criteria** & **References** \\ \hline \multirow{4}{*}{1. Traffic} & 1.1. Traffic Density & [12; 13; 14; 21; 22] \\  & 1.2. Number of Traffic Lights & [22] \\  & 1.3. Number of Traffic Cameras & [22] \\  & 1.4. Average Speed & [22] \\ \hline \end{tabular}
\end{table}
Table 1: ATM location criteria selection.  
ATMs located on busy streets and roads with heavy traffic are mostly used. For this reason, traffic density [12; 13; 14; 22], number of traffic lights, number of cameras, and average vehicle speed [21] are collected for traffic criteria.  
Since ATM demand will be affected by the district's population, population density is an essential criterion in site selection [6; 9; 11; 12; 14; 22; 23]. The average age and education level of the population affect ATM usage habits. Other ATMs located close to the ATM may adversely affect the demand for the relevant ATM [14; 21]. On the other hand, in some cases, the existing ATMs are not enough to meet the district's needs. For this reason also, the number of ATMs in the district is an important criterion in site selection [9; 14]. In addition, ATMs are used more often in districts with high socioeconomic status and urbanization rates [15] than in districts with low socioeconomic status [11; 21; 23].  
A certain income is expected from those performing transactions at ATMs [14; 21]. In addition, if there are no ATMs of other banks in the district where the ATM will be installed, the customers of those banks will also use the ATM to be installed. For this reason, the relevant bank charges a transaction commission fee for providing services to the other bank's customers. However, banks incur a certain setup and operational cost to operate their ATMs [14; 21].  
The usage rate of ATMs close to buildings with high population density, such as business centers, schools, hospitals, and shopping malls, may increase ATMs [21]. Since the ATMs of foreign banks will be frequently used by tourists using the same bank abroad, tourist destinations should be considered when choosing an ATM location [12; 14].  
Customers prefer ATMs located in safe places due to the risk of theft. The murder rate and armed action [15] can provide information about the district's security. The usage rate of ATMs located in places that customers can easily reach is increasing. Likewise, ATMs in high-visibility areas have a higher usage rate [21; 23].  
\begin{table}
\begin{tabular}{c c c} \hline \hline
**Main Criteria** & **Sub Criteria** & **References** \\ \hline \multirow{8}{*}{2. Demographic} & 2.1. Average Age of the Population & [14; 21] \\  & 2.2. Educational Level of the Population & [14; 21] \\  & 2.3. Income Level of the Population & [6; 14] \\  & 2.4. Socioeconomic Status & [23] \\  & 2.5. Population Density & [6; 9; 11; 14; 21; 22] \\  & 2.6. Urbanization Rate & [22] \\ \hline \multirow{8}{*}{3. Commercial and Financial} & 3.1. Number of ATMs & [9; 14] \\  & 3.2. Distance from & \\  & Buildings with High & [21] \\ \cline{1-1}  & Population Density & \\ \cline{1-1}  & 3.3. Setup Cost & [12; 23] \\ \cline{1-1}  & 3.4. Operational Cost & [14; 21] \\ \cline{1-1}  & 3.5. Expected Level of & [14; 21] \\ \cline{1-1}  & Commission Income & \\ \cline{1-1}  & 3.6. Level of Transaction & [14; 21] \\ \cline{1-1}  & Income & \\ \hline \multirow{8}{*}{4. Environmental} & 4.1. Visibility & [21; 23] \\ \cline{1-1}  & 4.2. Tourist Destinations & [14; 21] \\ \cline{1-1}  & 4.3. Murder Rate & [22] \\ \cline{1-1}  & 4.4. Armed Action & [22] \\ \hline \hline \end{tabular}
\end{table}
Table 1: _Cont._