Registration and Networking Breakfast

Welcome

We’re delighted to bring together institutions from across the cash ecosystem for a full day of conversations on the most important issues shaping the future of the cash industry.

Keynote: The Power of Cash in the Face of Conflict and AI

Over the last thirty years, we have witnessed a rapid transformation in the way that people pay for goods and services. Where we used to use cash for all but our largest purchases, many people now prefer credit cards, debit cards, cryptocurrency, and electronic services like Venmo, PayPal, or Alipay. And that's not necessarily a good thing.

In this opening address, Jay Zagorsky delivers a startlingly insightful and eye-opening discussion of the harmful and unintended consequences of the demise of paper money.

Jay will cover several key themes: the resilience of cash in an uncertain world; how banks that offer cash services can improve customer retention and unlock new marketing opportunities; and how emerging technologies such as AI and quantum computing may influence future demand for cash.

Keeping Cash Alive: Strategies for a Digital Age

As the payments landscape continues to evolve, cash has demonstrated remarkable resilience. With post-pandemic trends now firmly established, US consumer cash usage remains stable despite the rapid growth of digital and alternative payment methods. While cash is expected to remain an important, yet diminished, part of the payments ecosystem, ever changing customer attitudes create new demands and opportunities for the industry.

In this presentation, Ryan Ellis, Business Development Manager at CMS Analytics, examines the latest trends in consumer cash usage, explores the forces shaping the future of payments, and outlines the strategic actions needed to ensure cash remains a competitive, efficient, and accessible payment option in an increasingly digital economy.

Refreshments and Networking

Panel: Keeping Choice in Cash - Choice in a Consolidating Market

The U.S. cash landscape has been shaped by a wave of consolidation and changing expectations around banking services in recent years. As FIs look to streamline operations and invest in new technologies and automation, the competitive dynamics of cash are also shifting.

In this panel, experts from the largest banks in the U.S. will discuss how competition in cash can be maintained as the market continues to mature. The conversation will explore the effects of consolidation in the current market and the role automation plays in cash operations. Panelists will also use their experiences in cash to predict future trends for the ecosystem.

With collaboration at the heart of the event, this panel discusses what is needed to preserve access to cash in an everchanging landscape.

The Retail Cash Challenge

Part 1 of 2:

This short session will introduce the commercial cash cycle, connecting retailers, banks, and CIT providers across collection, transportation, vault processing, and reconciliation.

It will set the scene for the wider discussion by highlighting key pain points around visibility, communication, service levels, and the movement of cash across the chain.

Keeping Retail Cash Working - The Banking Perspective

Part 2 of 2:

The commercial cash cycle connects retailers, banks, and cash-in-transit providers. From collection and transportation at a store, to processing at the vault, every party in the cycle plays a role in ensuring cash continues to move securely and effectively.

In this panel discussion, a bank, a retailer, and a CIT provider will come together to discuss the process and movement of cash across this cycle. By bringing together perspectives from across the chain, the session will explore how each stakeholder contributes to the functioning of this triumvirate relationship.

The CMS Partnership Board

Lunch and Networking

Quiz: How Well Do You Know Cash?

This interactive quiz will cover some of the key themes, insights, and discussions from across the event.

Availability: How FIs Can Get It Right

Financial institutions are inundated with operational data from fragmented systems, monitoring tools, and a myriad of intelligent platforms. Yet more data and diligent target tracking does not automatically translate into better outcomes. Siloed reporting and overlapping performance targets often create noise instead of clarity.

This presentation explores how organizations can cut through complexity to focus on what matters most: availability. It will examine practical strategies for aligning metrics with business outcomes, balancing short-term performance against long-term resilience, and making smarter operational decisions without defaulting to increased spend.

Attendees will gain insight into how leading institutions are improving availability through data-driven operational practices rather than heavy-handed costly interventions.

Panel: Availability Through the Vendor Lens

Across the United States, cash-in-transit providers play a critical role in keeping the cash ecosystem functioning smoothly. From servicing ATMs and branches to supporting retailers and commercial cash movement, CITs sit at the center of the operation. As expectations around service efficiency, and reliability continue to rise, their role in maintaining availability has never been more important.

In this session, we will hear from leading CIT providers on their perspectives on ensuring availability across a complex and evolving cash landscape. The discussion will explore and examine how different business models alongside the presence of new challenges and opportunities across the market are transforming day-to-day operations.

As demands on the cash ecosystem continue to grow, what will it take for CITs to maintain availability strong across the country?

Refreshments and Networking

Turning Data Into Better, Faster Decisions

Having strong visibility and oversight across day-to-day operations is critical to ensuring every part of the cash cycle performs as efficiently as possible. With multiple vendors, internal teams, and operational processes involved, achieving the right level of visibility can often be a challenge.

In this presentation, CMS Analytics will highlight the importance of greater visibility across cash operations and demonstrate how a more holistic view of cash can help organizations optimize existing processes and improve decision-making.

Through the recent launch of Clarify, a CMS Analytics visibility platform, organizations get end-to-end visibility from cash order amounts right through to vendor performance, while removing internal headaches and backlogs for better functioning of the system.

Agree to Disagree: A Banking Perspective on the Cash Industry

To conclude the day, experts from leading financial institutions will come together to share their views on some of the most important big-picture issues facing the industry.

From the effects of consolidation to the evolving role of cash, panelists will react to a series of industry statements submitted by the audience as well as sharing their own insights and opinions.