The Future of Cash 


Madrid, Spain | 14-16 September 2022

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About The Future of Cash

The Future of Cash conference was the first of its kind to bring together all stakeholders involved in the cash cycle. It typically attracts delegates from central banks, financial institutions, retailers, cash management companies, technology providers and other suppliers.

The Future of Cash conference focuses on understanding the changing cash environment and what stakeholders are doing to optimise the cash cycle and ensure the future viability and sustainability of cash. It brings together all stakeholders to discuss new strategies for creating the cash cycle of the future.

The 2022 event will feature three unique and novel initiatives.

The Futures Literacy Lab on the role of Cash in The Future Monetary Landscape

Futures Literacy Labs are an advanced, field-tested methodology for gaining new insights into the nature and impact of imagined futures. In this Lab participants will deploy their collective intelligence to present and assess probable and desirable futures of cash. Using action-research/action-learning tools the Lab will offer the opportunity to analyse the burning questions facing the future of cash. For instance, the fundamental ethical issues related to the future of cash, ranging from loss of privacy to concentration of knowledge and data. The Lab will take participants beyond deterministic extrapolations and techno fatalism to examine changes that are inspired by open and creative futures.

The Lab will be built around three three-hour sessions on 7 September (remote session), 8 September (remote session) and 14 September (in-person). Places are limited and participants must engage in all 3 sessions to create the collective intelligence process. – Sign-Up for the Lab

CashTech Round Table and CashTech Innovation Awards

CashTech is the encounter between cash and technology. It brings together innovative companies who leverage software and modern communications technology to improve cash services – including access for consumers and businesses, facilitating the acceptance of cash by retailers across all channels, and enhancing cash’s overall efficiency, resilience and sustainability. See the programme

The CashTech Innovation Awards will celebrate the tremendous advances in harnessing digital technology to ensure an accessible, reliable and sustainable future for cash. Submissions may be sent here

Research Seminar on the Cost of Payments

Measuring the costs of payments has always been a complex issue, and various studies have reached very different conclusions. At a time when the payment landscape is undergoing radical and potentially disruptive change, we intend to debate this topic with researchers, academics, payments experts and economists.

This half-day seminar, hosted by the think tank CashEssentials, will be held on Friday 16 September, and is open to all conference participants. See the programme

Wednesday 14 September 2022

Hover on the presentation title or speaker to see if more information is available.

9:00 – Setting The Scene


Opening Remarks

Guillaume Lepecq

CashEssentials (France)


Cash in Spain in a Changing Environment

Helena Tejero

Banco de Espana (Spain)


The ECB 2030 Cash Strategy

Paloma Varela

European Central Bank (Germany)


Meeting demand for currency: Estimating and measuring cash usage and cash access in the US

Alex Bau

Federal Reserve System (USA)

10:10 Panel discussion and Q&A
10:40 Break – Refreshments


A global update on cash demand in turbulent times

Antti Heinonen

Bank of Finland, External (Finland)


Emerging from the Pandemic but into the Cost of Living crisis

Graham Mott

Link (UK)


The Cash Industry Environmental Charter: Towards a Greener Cash Cycle

Leeann Shanks

Natwest (Scotland)


Introducing Selfservice-Cash-Recycling in Erste Bank and impact for future strategies

Peter Seitz

Erste Bank (Austria)

12:30 Panel discussion and Q&A
12:50 Lunch

14:00 – Round Table Session 1

Participants will join a table dedicated to an open discussion on the topics below. The discussions will be facilitated by a subject matter expert and will last for 40 minutes. The Futures Literacy Lab are only open to those who will have participated in the two remote sessions on 7 and 8 September. For further information see – Futures Literacy Lab


  • Access to Cash
  • Acceptance of Cash
  • CashTech and Innovation
  • Cash & CBDC
  • Cash and Crises
  • The environmental sustainability of cash
  • Futures Literacy Lab [only for those who participated in virtual sessions]

14:45 – Round Table Session 2

A continuation of the Round Table, with delegates choosing to join two of the options.

15:25 – Round Table Session 3

A continuation of the Round Table, with delegates choosing to join two of the options.

16:10 Break – Refreshments

16:40 – Making The Case for Cash


Cash and financial inclusion in Spain

Javier Rupérez



Cash, Cards, Crypto and the war for our wallets.

Brett Scott

Author of Cloudmoney

17:25 Panel discussion and Q&A
18:00 Welcome Reception

Thursday 15 September 2022

9:00 – Towards a New Normal? The Role of Cash in the Future


Cash demand in Germany: past, present and future.

Heike Wörlen

Deutsche Bundesbank (Germany)


Te Moni Anamata (the Future of Cash) – A Case Study from Aotearoa (New Zealand)

Ian Woolford

Reserve Bank of New Zealand (New Zealand)


The European Retail Payments Board Report on access to and acceptance of cash

Diederik Bruggink

European Savings and Retail Banking Group


Circulation: a supply chain management perspective

Gianluca Maddaloni

Banca d'Italia (Italy)

10:20 Panel discussion and Q&A
10:50 Break – Refreshments

11:20 Round Table – The Role of Cash in the Future Monetary Landscape

In a round table discussion the futurists and facilitators from the Futures Literacy Lab will share their learnings from the lab as well as thoughts on the way forward. 

  • Riel Miller, Ecole des Ponts Business School
  • Martin Calnan, UNESCO 
  • Antti Heinonen, Banknote Ethics Initiative
  • Richard Wall, International Association of Currency Affairs 
12:30 Lunch

14:00 – Cash, Innovation and CashTech


The New Cash Center of the National Bank of Belgium.

Wim Goyens

National Bank of Belgium (Belguim)


Next Gen ATMIA – Cash bundling use cases

Marcel Ficken



Cash cycle innovation in Africa

Barry Röhrs

Röhrs Associates (South Africa)

15:00 Panel discussion and Q&A
15:30 Break – Refreshments

16:00 Round Table – Can CashTech solve the Cash Conundrum?

CashTech is the confluence of cash and technology. CashTech gathers companies which leverage software and communications technology to provide improved cash services – including access to cash and acceptance of cash payments – as well as to enhance the efficiency of the cash cycle.

The panelists will discuss how new players can impact the cash cycle. Will they challenge or partner with traditional players? Will they compete with existing bank branches and ATMs or will they offer an alternative channel? Can they disrupt the trend towards increasing use of digital payments? Or can they turn cash into a digital payment? Can Cashtech play a more prominent role in the future cash cycle? How can their business model be more attractive for retailers and other stakeholders? Should central banks and retailers encourage their expansion?

  • Sandipan Chakraborty, Sonect
  • Christophe Caffard, Cashway
  • Chris Forero-Slee, Shrap
  • Ollie Walsh, Pipit
  • Sergio Kvaternik, Viafintech

17:00 Presentation of CashTech Innovation Awards

17:30 Drinks Reception

Friday 16 September 2022

9:00-13:00 Research Seminar – Understanding the Costs of Payments

Measuring the costs of payments has always been a complex issue, and various studies have reached very different conclusions. At a time when the payment landscape is undergoing radical and potentially disruptive change, the Costs of Payments Seminar offers a unique opportunity to debate group of researchers, academics, payments experts and economists.

Chair: Franz Seitz, Weiden Technical University of Applied Sciences

Estimating the cost to US consumers to Access cash

Alex Bau

Federal Reserve System (USA)

The cost of retail payments in Germany

Fabio Knumann

Deutsche Bundesbank (Germany)

The survey on Swiss companies on payment methods

Giannina Elsaid

Swiss National Bank (Switzerland)

An international approach to the cost of payment instruments: the Case of Cash

Santiago Carbo-Valverde

CUNEF Business School and Bangor University (Spain)

Cost of retail payments – an overview of recent national studies in Europe

Kerstin Junius

European Central Bank

The Melia Princesa Hotel


Tradition merges with the avant-garde in the iconic hotel Meliá Madrid Princesa, the perfect option for exploring the life of this incredible city, both day and night.

The Melia Princesa Hotel
Princesa 27
Madrid, 28008


Guests in our hotels in Spain can get preferential conditions for the organisation and cost of tests for Covid-19. Check the details by calling the hotel or ask in Reception at the hotel.

Delegate Fees

Standard Delegate – €1,950

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