Uniting cash professionals from financial institutions, retail businesses and the supply chain to gain unique, specialist insights.
Special Promotion: The first 50 bookings at the Sheraton Charlotte Hotel will be eligible for a discounted room rate of $189 per night.
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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.
Changing consumer preferences are influencing how cash is used within society. How will this affect cash infrastructures across the globe?
1Throughout the cash cycle, new technological innovations are coming to market. How can financial institutions utilize these to drive efficiencies?
2The needs of personal and commercial customers are changing. How can financial institutions adapt to improve customer experience?
3Payment 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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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.
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.
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.
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.
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.
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.
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.
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.
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.
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 guests from the industry will join us and provide perspectives as we discuss, debate and analyze a range of pertinent topics.
CEO, CMS Analytics
Andrea joined CMS Analytics in 2002 after completing her PhD in Pure Mathematics and Computer Science. She became President in 2009 and has since overseen phenomenal growth, leading CMS to have operations in over 31 countries. Andrea is also a Chartered Mathematician and a Member of the Institute of Mathematics and works to promote maths education and careers. She also provides advice and guidance at conferences and universities on maths, computer science and women in business.
National Account Manager, CMS Analytics
Kira Frye began her sales career in 2012 after earning a bachelor's degree from Arizona State University. She brings extensive experience across multiple industries, including logistics, human resources, finance, and accounting.
As a National Account Manager at CMS Analytics, Kira is instrumental in the company’s U.S. expansion, specializing in commercial cash management solutions for financial institutions.
She further strengthened her expertise by earning an MBA from San Diego State University in 2017, enhancing her business acumen and strategic insight.
Assistant VP, Federal Reserve Financial Services
Robert Bujas is the Assistant Vice President over the FedCash Services Support, Admin, and Engagement group where he currently serves as the program manager for Cash Visibility, which is a multi-year collaborative initiative with the Federal Reserve Bank (FRB) and the cash services industry to develop standard electronic data exchanges between the FRB and cash industry partners.
Robert’s Fed’s experience spans over 22 years holding positions of increasing responsibility where he served as the product manager over the FedCash applications and spent a portion of his Fed career in FRB Cash Services where he managed Cash Operations and lead several of the Federal Reserve Bank’s District programs.
Robert holds a Bachelor of Science, in computer information systems from the University of Phoenix.
Founder & Chairman, CMS Analytics
Brendan Doyle founded CMS Analytics in 1991, following both the completion of his MBA at Manchester Business School and a career at the Royal Bank of Scotland (RBS). With over 20 years of consultancy experience, Brendan has made significant contributions to the payments and cash management industry. He pioneered the introduction of ‘Just in Time’ cash deliveries into UK retail banking and developed cash optimisation software now used by the majority of the top 100 UK retailers. Brendan is also a regular guest speaker at international conferences focused on cash and payments.
Managing Director, CMS Analytics
Lee joined CMS Analytics in 2014 as Research Analyst to focus on both internal and external research. After developing a strong knowledge of CMS Analytics’ international markets, Lee now leads commercial development for the business. Within this role, he works with both financial institution and retail clients to undertake tailored projects and optimization solutions. Lee graduated with a BBA from Lancaster University in 2012, including a year at McGill University in Montreal, Canada.
Data Analyst, CMS Analytics
Harriet graduated from Loughborough University in 2022 with a Mathematics & Management degree. She then travelled throughout South East Asia before working for an international trade company. In her role at CMS Analytics, she is currently learning multiple languages in order to contribute to the forecasting, modelling and analysis we produce for our clients around the globe from an international perspective.
Cash Cycle Manager, CMS Analytics
Luke joined the operations team at CMS Analytics in 2021 after graduating from The University of Manchester with a First Class BA (Hons) in Economics.
Luke now sits in the commercial team where he works with clients across the US, and specializes in driving macro and microeconomic efficiencies to clients.
We are now accepting sponsors for 2025! Get in touch for more details on sponsor packages.
Image gallery from Cash in the USA 2023 & 2024
Past attendees from Cash in the USA 2023 & 2024
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.
If you are an industry vendor or interested in sponsorship opportunities, please contact us.
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
9:00 – 9:50am
Conference begins:
10:00am
Drinks reception with canapes:
4:15pm – 6:45pm
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.
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.
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.