MULTI-DENOMINATION CASH DEPOSIT MACHINE (CDM)
Turn Merchant Cash into a Source of Revenue & Profitability
Capture more daily cash deposits directly into your banking ecosystem with Multi-Denomination Cash Deposit Machine (CDM); enabling secure, automated, and real-time cash deposits closer to where the cash is generated.
Accept All Denomination 
& Banknotes Condition
Enable Real-time & 
24/7 Cash Deposit
Get Low-Cost 
Source of Fund
Increase Profitability 
from Interest Spread
Strengthen Customer Retention & Acquisition
Expand Deposit Reach Beyond the Branch
Accept All Denomination 
& Banknotes Condition
Enable Real-time & 
24/7 Cash Deposit
Get Low-Cost 
Source of Fund
Increase Profitability 
from Interest Spread
Strengthen Customer Retention & Acquisition
Expand Deposit Reach Beyond the Branch
Bring the Bank to the Cash, and Capture It Earlier
Despite rapid digitalization, significant cash continues to circulate across retailers, distributors, F&B, gas stations, SMEs, and other cash-intensive businesses.


Yet much of this cash remains outside the banking ecosystem until it is physically deposited or collected.
Multi-Denomination CDM brings deposit services closer to where business revenue is generated, helping banks capture merchant cash faster and extend accessibility beyond the traditional branch network.
More Deposits. Stronger Funding. Greater Profitability.
More Low-Cost Source of Fund
Capture daily merchant deposits directly into your bank and strengthen CASA potential.
More Profitability
Lower funding costs can support stronger interest spreads, competitive lending, and additional fee-based income.
More Customers
Offer a differentiated banking service that strengthens merchant acquisition, retention, and long-term relationships.
Wider Market Reach
Bring deposit services closer to customers without depending on costly conventional branch expansion.
Lower Operating Cost
Automate cash deposits and reduce dependency on manual cash handling and unnecessary collection activities.
Own the Deposit Opportunity.
Multi-Denomination CDM is more than cash-processing equipment. It can become part of the bank’s infrastructure for capturing deposits, strengthening merchant relationships, and expanding its transaction ecosystem.

PT Murni therefore recommends a bank-led ownership model, supported by specialized partners where required.
Keep the Asset, Customer Relationship, and Long-Term Value Within the Bank.
Expand Deposit Reach Without Expanding the Branch Network
Traditional cash deposits depend heavily on bank branches and scheduled cash collection.
Multi-Denomination CDM enables banks to establish strategic deposit points closer to source of cash.
Merchant & Retail Locations
Capture cash directly where business revenue is generated.
Bank Self-Service Location
Extend deposit accessibility beyond Teller operating hours.
Distributor & Wholesaler Hubs
Consolidate cash from distributed business networks into strategic deposit points.
Built for the Reality of Merchant Cash
Daily merchant cash does not arrive in perfect forms. It comes in different denominations, conditions, and transaction volumes. Multi-Denomination CDM is built specifically for that reality.
Mixed-Denomination Deposits
Process multiple Rupiah denominations within a single deposit, from Rp 1.000, Rp 2.000, Rp 5.000, Rp 10.000, Rp 20.000, Rp 50.000, Rp 75.000, to Rp 100.000
Designed for Everyday Banknotes
Handle various banknote conditions commonly encountered in daily business operations, including Unfit notes.
Real-Time Credit
Convert physical cash into available bank deposits faster.
24/7 Deposit Access
Let customers deposit according to their business hours, not banking hours.
Automated & Secure Processing
Automate counting, authentication, secure storage, monitoring, and reporting.
Proven in Real Business Environments
Multi-Denomination CDM technology has supported real cash-automation applications in Indonesia.
Cash Collection
Enable cash pooling across distributed merchant and retailer locations.
Self-Service Payment
Automate cash payments through integrated banking applications.
PT Murni: Your Trusted Partner for Cash Automation & Business Transformation
Successful nationwide multi-denom CDM deployment requires a partner with the experience, 
technology capabilities, integration expertise, and service infrastructure to support the solution throughout its lifecycle.
Why Partner with PT Murni?
Flexible Banknotes Capacity to Match Your Business Needs
from 6,000, 10,000, 15,000, 20,000 (most recommended), and up to 25,000 notes.
Pioneer & Market Leader Since 2013
Expertise in Multi-Denomination CDM and Teller Cash Recycler (TCR) implementation.
34+ Years of Experience
Established banking and cash-processing solution provider in Indonesia.
Nationwide Service Coverage
with 100+ Service Points, 24/7 Helpdesk, and 99.88% - 100% SLA compliance for all areas across Indonesia.
End-to-End Capabilities
In-house product, software development, and system integration teams.
One Partner. End-to-End Reliability.Â
Make Merchant Cash Part of Your Bank's Growth Strategy
Discover how Multi-Denomination CDM can help your bank 
turn everyday merchant cash into greater long-term value.