Shaping the cash cycle of the future

Jim Leroux is the CEO of Pin4, a global leader in cardless cash disbursement solutions, enabling secure, instant, and convenient cash payouts across ATMs and retail partner locations. With a presence spanning 200 countries and a network of over 500k cash pick-up points worldwide, Pin4 empowers businesses, governments, and humanitarian organizations to deliver cash quickly and reliably—even to individuals without payment cards or bank accounts. Jim has been active in fintech for over 30 years as an operator, investor, advisor and attorney, with a focus on new innovations in the payments and fintech industries.

Graham joined LINK in 2006 and is currently Director of Strategy. This also covers initiatives like the future of cash, and interchange, as well as external relations, public affairs, fraud management, physical ATM crime and liaison with LINK’s Members. During the coronavirus pandemic a large part of Graham’s role has been the analysis of consumers cash and ATM use, helping LINK develop the best responses to a fast-moving crisis.

External relations remains a key element of Graham’s role, leading LINK’s liaison a wide range of organisations such as the Government, the Bank of England, Treasury as well as contacts with police, service suppliers, local authorities and regulators such as the Payments System Regulator (PSR) and consumer and charity groups.

Graham was formerly Head of ATMs at Santander during which time he was a LINK Board Director and also worked for several years with cahoot, the on-line bank. He has an MBA from Warwick University, completing a dissertation on the future of financial services over the Internet.

He is married and lives in Buckinghamshire, England.

Olivier has been holding an expert position at that banknote issue and circulation section of the European Central Bank since 2001. He has been responsible for determining the annual banknote requirements and print volumes of the Eurosystem. He is coordinating banknote transfers among central banks with the objective to ensure that banknote demand is met efficiently. Olivier is in charge of coordinating cash-related matters in preparation of new Member States joining the euro area. Olivier holds a degree in business administration. Before he joined the ECB, he worked at Deutsche Bundesbank branches and at the Bundesbank’s cash policy department.

Barry is student of the evolution and economics of payments and cash, the fundamentals which drive cash behaviour and economics, and works to apply this to make a difference at the intersection of traditional payments, emerging payments and cash. He has been involved in the industry since 2002, for 15 years with Standard Bank as Head: Cash Services.

In 2018 he started Rohrs and Associates and advises Cash Ecosystem participants (Fintechs, Banks, Cash In Transit companies). Barry participates in industry think tanks and assist clients optimising payments and cash operations and developing new solutions at the intersection of cash and digital.

He maintains an extensive network in the cash industry across Africa and internationally.

Ronan McClintock is a Manager at the Bank of England on the Wholesale Cash Oversight team. He has worked in Notes Directorate for over 20 years starting in research, design and manufacturing working closely on the transition to polymer banknotes. More recently he has worked on the future arrangements for wholesale cash distribution in the UK. Before joining the Bank of England, Ronan earned a BSc in Physics from the University of Nottingham.

Marc Schwartz, born in 1963 in Paris, is Chairman and CEO of La Monnaie de Paris, the French National Mint. He is also a lecturer in media and cultural economics at Sciences Po, a leading Social Sciences University in Paris.

Marc Schwartz started his career as an Auditor with the National Court of Audit (Cour des comptes) in 1988 and joined the Treasury Department in 1992. He became, in 1997, special advisor to the minister for Economy, Finance and Industry and to the secretary of State for Budget.

He joined the media group France Télévisions in 2000, as CFO, then deputy CEO. In 2010, he became a senior partner with the international audit and consulting firm Forvis-Mazars, in charge of Public Sector and Media. He returned to the Cour des Comptes in 2014 and was appointed Chief of Staff to the minister of Culture in 2017, before joining Monnaie de Paris in 2018.

He holds a BA’s in economics and public finance (Sciences Po), certificates of finance and international finance from the London School of Economics (LSE), a master in corporate finance from Conservatoire national des Arts et métiers (CNAM), and a master of public administration from Ecole Nationale d’Administration (ENA).

Marc Schwartz is the author of various articles on monetary and financial issues and of two books: The French Financial System (Montchrestien, 1992) and The New Currency War (Odile Jacob, 2025), co-authored with Pr. Christian de Boissieu.

Mikael is a senior financial services leader with over 15 years of experience in banking, capital markets, and financial technology innovation. His career spans central banking, global consulting, and strategic advisory, equipping him with deep expertise in financial market infrastructures, digital transformation, and regulatory-driven innovation.

A managing consultant at PA Consulting, Mikael is recognized for his ability to lead large transformation programmes, shaping strategies that drive efficiency, transparency, and resilience in the financial ecosystem.