Programme
Monday 3 November 2025
13:30 – 17:00 Rethinking ATM Business Models
In spite of declarations and efforts to preserve a sufficient cash infrastructure from many central banks and governments, ATM numbers are continuing to decline in most mature economies. One option to reverse the decline could be to rethink the business model to ensure the economic viability of ATMs. ATM interchange or reverse interchange is at the heart of the question. The level of ATM interchange has declined over the years in many markets and arguably has been weaponised to promote non-cash payments.
During this research seminar, academics and industry experts will debate strategies to ensure the future viability of this critical part of the cash infrastructure.
- Franz Seitz, Weiden Technical University of Applied Sciences
- Guillaume Lepecq, Cash Essentials
- Matt Sykes, CPT Group
- Marek Szafirski , Euronet
- Roel Van Anholt, De Nederlansche Bank N.V
- Graham Mott, LINK ATM Scheme
- Nicholas Smedley, FINDI
18:30 - 20:30 Welcome Reception
Tuesday 4 November 2025
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The Evolving Role of Cash in an Uncertain World
09:00
Opening Comments
Guillaume Lepecq
Cash Essentials (France)
09:10
Welcome Address
Barbara Jaroszek
Narodowy Bank Polski (Poland)
09:20
Anchoring Cash in Modern Society
Olivier Strube
European Central Bank (Germany)
09:40
Meeting Demand Both in Times of Normalcy as Well as During a Large Demand Shock
Shaun O'Brien
Federal Reserve Financial Services – FedCash Services (USA)
10:00
Evolution and Regulation of Cash Usage in the UK
Ronan McClintock
Bank of England (England)
10:20 Q&A
10:50 Break and Refreshments
Cash and Crises: from War on Cash to Currency Wars
11:20
Poland’s Playbook for Unthinkable Times
Barbara Jaroszek
Narodowy Bank Polski (Poland)
11:40
The Future of Cash and the New Currency War
Marc Schwartz
La Monnaie de Paris (France)
12:00
The 4 A’s of the Cash Cycle to Guarantee Resilience of the Cash Infrastructure
Franz Seitz
Weiden Technical University of Applied Sciences (Germany)
12:20 Q&A
12:50 Lunch
Cash and Crises
14:00
Lessons From Spain: Dealing With Floods and a Power Outage
Felix Redondo
Banco de España (Spain)
14:20
Keep Calm and Carry Cash: Lessons on the Unique Role of Physical Currency across Four Crises.
Alejandro Zamora-Perez
European Central Bank (Germany)
14:40
Impacts of Recent Developments on the Cash Cycle: A Global Analysis
Antti Heinonen
Bank of Finland (Finland)
15:00 Q&A
15:30 Break and Refreshments
Cash of the Future
16:00
CBDCs & Cash: The Evolution of Money
Diederik Bruggink
European Savings and Retail Banking Group (Belgium)
16:20
What Might Radical Banknotes of the Future Look Like?
Andrzej Nowak
SICPA (Switzerland)
16:40
Protecting Cash Access and Acceptance in the UK – A Job Half Done?
Graham Mott
LINK ATM Scheme (UK)
17:00
Reimagining Currency for Financial Literacy
Sina Grebrodt
Koenig & Bauer Banknote Solutions (Switzerland)
17:10 Q&A
17:40 Close Day One
Wednesday 5 November 2025
Making Cash Fit for Gen Z
09:00
Cash in a Careless System: Reframing Value, Autonomy and Resilience
Pascal Wicht
SICPA (Switzerland)
09:20
Cash is Alive… and Somewhat Young? Decoupling Age, Period and Cohort from Euro Cash Use
Alejandro Zamora-Perez
European Central Bank (Germany)
09:30
Panel Discussion
Monika Kowalewska - Narodowy Bank Polski (Poland)
Ophélie Bemelmans - Master in International Economic Policy, PSIA (France)
Alejandro Zamora-Perez - European Central Bank (Germany)
Pascal Wicht - SICPA (Switzerland)
10:30 Break and Refreshments
Ensuring Access, Acceptance, Availability and Affordability of Cash
11:00
Exploring Future Models for Cash Services
Matthee le Cointre
Geldmaat (Netherlands)
11:20
SMART Cash in South Africa
Barry Röhrs
Rohrs and Associates (South Africa)
11:40
Costs of Cash and Card Payments from a Consumer Perspective
Malte Krüger
Aschaffenburg University of Applied Sciences (Germany)
12:00
Greener Currency: Sustainable Innovations in Banknote Manufacturing
Piotr Dymala
Polish Security Printing Works (PWPW) (Poland)
12:20 Q&A
12:50 Lunch
Improving Cash Resilience
14:00
De Nederlansche Bank N.V. Strengthens Cash Cycle Resilience by Taking on Larger Operational Role
Roel Van Anholt
De Nederlandsche Bank N.V. (Netherlands)
14:20
Systemic Resilience and the Fragility of the Cash Infrastructure: Redundancy in Theory, Risk in Practice
Scott Forster
CPT Group (Australia)
14:40
How Cash Provides Critical Support to Vulnerable Individuals
Jim Leroux
Pin4 (USA)
15:00
Reinventing Bankomat AB: Insourcing Cash Handling and Logistics to Strengthen the Cash Infrastructure
Stefan Wikman
Bankomat AB (Sweden)
Mikael Schlaug
PA Consulting (UK)
15:20 Q&A
15:45 CashTech Innovation Awards
The CashTech Innovation Awards will honor significant advancements in leveraging digital technology to ensure a sustainable, reliable, and accessible future for cash. The awards are divided into three categories:
- Best CashTech – Open to all organisations.
- Best CashTech Start-Up – Open to start-ups and companies founded after 2019.
- Best CashTech Innovator – Open to start-ups founded after 2023
16:00 Conference Close & Farewell Drinks