Cash in the USA 2025

October 6-7, 2025, Sheraton Charlotte Hotel, NC

Uniting cash professionals from financial institutions, retail businesses and the supply chain to gain unique, specialist insights.

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Special Promotion: The first 50 bookings at the Sheraton Charlotte Hotel will be eligible for a discounted room rate of $189 per night.

Brought to you by CMS Analytics logo white

About the event

Cash in the USA is a premier conference that brings together cash industry professionals, financial institutions and stakeholders across the supply chain to explore and discuss industry best practices.

Join us in 2025 for the next Cash in the USA. We’ll be bringing the retail banking industry together for an evening of networking before the main conference.

The following conference day will feature an agenda filled with industry experts focused on the complex challenges and opportunities in the market and how best practice can be applied.

Themes covered

Changing Cash Use

Changing consumer preferences are influencing how cash is used within society. How will this affect cash infrastructures across the globe?

1

Innovations in Cash

Throughout the cash cycle, new technological innovations are coming to market. How can financial institutions utilize these to drive efficiencies?

2

Customer Needs

The needs of personal and commercial customers are changing. How can financial institutions adapt to improve customer experience?

3

The Future of Cash

Payment methods have evolved at varying rates across the globe. What can the U.S. learn from other economies to prepare for the challenges of tomorrow?

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October 6 – Pre-Conference Workshops

1pm - 4pm

Solving the Complexities of Commercial Cash Management

This exclusive workshop unites senior, treasury professionals from the largest financial institutions across the United States to address the challenges and nuances that arise from Commercial Cash Management.

 

Through in-depth discussion and collaboration, attendees will explore new strategies and innovative technologies to streamline processes and increase the efficiency of their services.

 

Attendance to this session is invite only, please contact Kira Frye, kfrye@cmsanalytics.com, if you wish to attend.

2pm - 4pm

A Connected Cash Cycle: Enhancing Productivity Through Partnership

Supported by the Cash Leadership Forum, this exclusive workshop brings together select suppliers to discuss banking initiatives that enhance productivity and effectiveness across the cash ecosystem.

 

Join us for a unique opportunity to provide direct input to leading financial institutions, strengthen industry relationships and help shape the future of cash operations.

 

This session is strictly invite only, for more information please contact Luke Curry, lcurry@cmsanalytics.com.

5pm - 8pm
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Industry Networking

Opening Reception

We will be bringing the cash industry together the night before the main conference for an evening of live music, drinks and refreshments. This networking event will provide a great opportunity to engage with fellow industry experts and peers.

October 7 – Main Conference

9am

Registration and Networking Breakfast

10am
speaker-1

Lee Williamson

Welcome

10:10am

Keynote: Opening Address

The keynote session will provide an overview of the cash landscape across the United States, setting the foundation for the conference. Focusing on key consumer areas such as cash acceptance, usage and accessibility in North Carolina and the wider states.

10:20am
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Robert Bujas

The US Cash Landscape

Despite the acceleration of digital payments, cash still remains an important part of the US payments ecosystem, facilitating millions of transactions every day.

 

With insights into regional trends and recent industry responses, the presentation provides an overview of how cash is adapting to societal needs and the importance of maintaining a robust infrastructure that facilitates access for consumers.

 

With various factors influencing the industry as we know it, it is important we are positioned to embrace innovation that will improve the overall efficiency of the cash ecosystem.

10:50am
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Luke Curry

Consolidation, Outsourcing and Technology: The Future of the Cash Cycle

Consolidation, outsourcing, and technology have fundamentally reshaped the cash cycle—creating a more commoditized, technology-dependant and scalable ecosystem. However, as provider roles have evolved, so too has control.

 

Fewer, larger players and more full-service models have brought new capabilities, but also new responsibilities. Banks increasingly rely on vendors for execution, while providers play a more integrated role in managing infrastructure and performance.

 

This presentation explores how the landscape has evolved, the opportunities and risks that come with these changes and why visibility, communication and coordination between banks and providers will be key to shaping a resilient and future-ready ecosystem for all.

11:20am

Refreshments and Networking

11:50am
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Andrea Brooks

Panel: Bridging Strategy and Execution in the Cash Supply Chain

As domestic cash trends and customer needs evolve, new challenges and opportunities arise throughout the cash cycle.

 

The cash ecosystem is adapting, finding innovative solutions to address the new cash environment and better service their customers.

 

This panel will examine how these shifts are affecting service models and align buyers and sellers on the current state, future vision and collaborative actions required to make the cash cycle more efficient, resilient and customer centric.

12:20pm
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Brendan Doyle

Visibility and Control: Introducing Cash Cycle Orchestration

With the cash supply chain facing growing complexities, financial institutions are facing significant pressure to improve visibility to boost performance.

 

This presentation introduces the concept of Cash Cycle Orchestration – a fresh, holistic framework to help manage and improve the end-to-end cash lifecycle.

 

By combining data and technology, financial institutions can enhance visibility and control of the cash cycle. Orchestration uses a variety of tools to bring all aspects of the cash cycle together, recognizing interdependencies, ensuring visibility and driving productivity.

12:50pm

Lunch and Networking

1:50pm

Conducting Your Cash: A Quiz

An interactive, audience-driven session where participants can test their knowledge and quick decision-making skills with industry peers.

2:10pm
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Lee Williamson

Panel: The Importance of Orchestration in a Self-Service Strategy

As traditional self-service channels continue to evolve, organizations must shift their strategies to integrate these tools into their networks.

 

We’ll share our perspective on the role orchestration plays in enabling a successful self-service strategy and how it can enhance your organization's processes.

 

By identifying and resolving inefficiencies in the cycle, initiatives such as replenishment, service levels, and availability, can be improved customer experience.

2:50pm

Refreshments and Networking

3:20pm
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Harriet Coverley

Combining Productivity with Customer Satisfaction

Over the years, we’ve seen banks and financial institutions face the challenges involved with improving internal efficiency while meeting the evolving needs of their retail clients.

 

In this session, we highlight the importance of maintaining both prioirities — helping their own staff work more effectively whilst also ensuring their retail consumers are satisfied with the service they receive.

 

The key to effective solutions lies in using the right technologies, supported by real-world data and client feedback. Join us to discover how optimising both productivity and satisfaction can transform your cash cycle and deliver lasting impact across your operations.

3:50pm
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Kira Frye

Panel: White-labelling Treasury Management: - How Controlling Cash Services Increase Customer Satisfaction

As financial institutions seek to expand their treasury management offerings, bringing more control of cash services in-house presents an opportunity to enhance client relationships and drive retention.

 

This panel will explore how banks can create greater "stickiness" by white-labelling services such as cash ordering and deposit tracking—functions traditionally left to armored transport providers.

 

By owning more of the client-facing experience, FIs can improve visibility, responsiveness, and overall satisfaction. Panelists will discuss practical strategies, implementation models, and how this shift changes the client perception of their banking partner.

4:20pm
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Lee Williamson

Closing Remarks

4:30pm

Drinks Reception

October 8 – Cash Leadership Forum

9:00 - 12:00

Cash Leadership Forum Workshop

The Cash Leadership Forum is an advisory group assembled of senior leaders from the largest financial institutions in the United States, Canada and the UK who have a shared interest in the sustainability of cash.

 

This half-day workshop provides a platform for industry peers to connect and discuss the latest challenges and opportunities that are facing the industry. Through a combination of peer-led discussions, presentations and exclusive reports the forum enables attendees to share experiences and insights to identify innovative solutions to aid the efficiency of cash processes.

 

If you are interested in joining the Cash Leadership Forum, please contact Lee Williamson, lwilliamson@cmsanalytics.com.

Expert speakers - 2025

Expert guests from the industry will join us and provide perspectives as we discuss, debate and analyze a range of pertinent topics.

Andrea Brooks

CEO, CMS Analytics

Kira Frye

National Account Manager, CMS Analytics

Robert Bujas

Assistant VP, Federal Reserve Financial Services

Brendan Doyle

Founder & Chairman, CMS Analytics

Lee Williamson

Managing Director, CMS Analytics

Harriet Coverley

Data Analyst, CMS Analytics

Luke Curry

Cash Cycle Manager, CMS Analytics

Looking to Sponsor Cash in the USA 2025?

We are now accepting sponsors for 2025! Get in touch for more details on sponsor packages.

Cash in the USA Gallery

Image gallery from Cash in the USA 2023 & 2024

Previous Attendees

Past attendees from Cash in the USA 2023 & 2024

The premier cash management conference in the USA Register your place

The first 50 registrations will be eligible for a discounted room rate at the Sheraton Charlotte Hotel, at $189 per night. The room rate will apply for Monday 6th & Tuesday 7th October 2025.

FREE

Free pass for attendees from financial institutions and merchants

EMAIL

If you are an industry vendor or interested in sponsorship opportunities, please contact us.

Venue information

Sheraton Charlotte Hotel, NC

555 S McDowell St Tower, Charlotte, NC 28204, United States

 

Registration Contact

Name: Ryan Ellis

Phone: +1 (941) 260-2650

Email: info@cashintheusa.com

Registration & continental breakfast:

9:00 – 9:50am

Conference begins:

10:00am

 

Drinks reception with canapes:

4:15pm – 6:45pm

FAQs

Air

The Sheraton Charlotte Hotel is approximately 7 miles from Charlotte Douglas International Airport, making it a 17 minute drive away depending on traffic. A bus service also runs directly from the airport, which takes around 40 minutes depending on traffic.

Rail

The Sheraton Charlotte Hotel is located just an 8 minute walk away from the nearest tram stop, and a 30 minute train ride away from the Amtrak Charlotte Station, with national rail connections.

Car

The Sheraton Charlotte has parking at $10 per hour or $25 per day. They also offer valet services at $35 per day, and electric vehicle charging stations.

We are pleased to be able to offer a discounted room rate of $189 per night at the The Sheraton Charlotte Hotel for the first 50 registrations. The room rate will be available on Monday 6th and Tuesday 7th October 2025.

Home to 18 Fortune 1000 companies, Charlotte is a vibrant, growing city with many attractions. While you’re in town, make the most of the birthplace of NASCAR and visit the NASCAR Hall of Fame or Charlotte Motor Speedway. If motorsport isn’t your thing, visit the Market at 7th Street for a taste of local food and brews. From coffees at lunch, beers and pizza, dumplings, to over 100 types of cheese, you are sure to find your thing. There’s also The Levine Center for the Arts, which actually contains four centers: the Bechtler Museum of Modern Art, Harvey B. Gantt Center for African-American Arts + Culture, John S. and James L. Knight Theater, and Mint Museum Uptown. Three of the museums showcase art, history, and culture; the Knight, meanwhile, is a performance venue. There’s also Romare Bearden Park, which celebrates Charlotte-born, African American writer and artist Romare Bearden.

Don't miss out! Register your place