
 
serve versus the institution commitment to the 
quality of service wanting to provide must be 
evaluated and balanced. 
 
Figure 12: Histogram of clients per minutes waiting in the 
worst scenario and 10 minutes expected occupation time 
limit. 
7  CONCLUSIONS AND FUTURE 
WORK 
In this paper we presented a Multi-agent system 
based on an ontology that simulates the service 
provider’s management and the assignment of 
clients in a bank branch. Experiments and simulation 
of cashier agents’ management were presented. 
The results of our experiments show three 
factors that are important to consider in fulfilling the 
20 minute waiting time policy to guarantee the 
quality of service: 1) the arrival rate, 2) the service 
rate, and 3) the service provider workload 
determined by the expected occupation time of each 
cashier or executive. Regarding the arrival rate, it 
can be predicted; however this is not in the scope of 
this paper. The service rate depends on the client’s 
profile and the number of transactions. We presented 
a way  to evaluate the expected time of attention for 
each client in order to estimate the service rate, 
assign the client to a queue, and simulate the clients 
been served. The expected occupation time for each 
cashier is calculated from the expected time of 
attention of its clients, thus, each cashier agent 
workload is estimated. The use of the resources, i.e. 
starting and closing cashier agents, is determined by 
the state of all cashier agent queues. 
We develop a client profiling ontology with the 
purpose of cooperation and negotiation between the 
manager agent and service agents. It proved to be 
useful when sharing content and performing 
semantic checks. The client’s profile can be 
modified adding new attributes relevant to this 
domain. 
Some upgrades to the initial version can be made 
for a more realistic aid in decision-support on client 
assignment. In order to establish the most significant 
characteristics for each strategic bank service a 
feature analysis of client attributes can be made. 
This analysis would help to enhance and improve 
client’s profile as well as construct service ontology  
To conclude, a bank branch can fulfil a 20 
minute waiting time policy better manage its 
resources, and improve the quality of service by 
estimating the expected attention time according to 
the client’s profile and the number of transactions 
Our experiments show that it is possible to fulfil the 
20 minute waiting time policy if the institution 
designates the resources needed as soon as the 
arrival rate increases. The decision maker has to 
confront the cost of the resources versus the quality 
of service promised. 
In the future we expect to develop new queue 
models using improved client profiles, using just one 
queue, or reassigning a client if the agent discovers 
that one or more of its clients are close to 20 minutes 
waiting. 
The system is designed to admit serving the 
clients with other priorities instead of always using 
First-come, First-served (FCFS) service discipline. 
This is possible using the interactive interface but 
exhaustive experiments must be done. 
In addition, a reinforcement learning model 
where the manager agent learns based on cashier 
agents’ performance could be implemented. Adding 
criteria other than the queue workload to the 
assignment decision  
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