In the world of increased digital adoption banknote printers, mints, features suppliers, CITs, commercial banks and central banks are all facing business pressures and business conditions that could potentially affect their viability and operation in the cash cycle. If any of these stakeholder groups fail in their responsibility to support cash, there’s a risk that the end-to-end cash cycle could be in jeopardy of failure. Throughout 2025 and now into 2026, IACA has been hosting webinars and key discussions that focus on the resilience of these key stakeholders. The goal of the discussions is to accurately identify the key risks and opportunities, explore their implications and raise awareness among the cash cycle participants.

To date—we have explored in detail the Banknote Printers and the Cash Management Companies (CITs/Cash processors)—and now we will explore the Commercial Bank Cash Operations.

COMMERCIAL BANKS play a key role in cash cycle, acting as one of the main points of cash withdrawals and deposits for personal and business customers. However, as cash-use behavior, regulatory expectations, cost pressures, and technology continue to evolve, COMMERCIAL BANKS are being forced to reassess how cash fits within their broader business models while still meeting their public and market obligations.

In this webinar, we will hear views from our esteemed international commercial bank panel on how customer behaviour is changing and how the banks are rethinking their role in cash acceptance, access and availability. We will understand the risks that most threaten continuity of cash services, and how banks are re-organizing, strategizing and partnering to mitigate these risks.

Register now and get it on your calendar. You don't want to miss this discussion!
  • 1770697103-e2a0a63f519bc121
    David Fagleman - Moderator
    Enryo Consulting
    David is a leading voice in the banking and payments industry, making the case for inclusive payment systems that provide fair access for all. He was Head of Policy and Research at Cash Services UK and worked at the innovation foundation Nesta, the Westminster-based think tank ResPublica and a Member of the UK Parliament. In 2020, he set-up Enryo Consulting, a consultancy designed to support the financial services industry as it navigates times of change. He is a Policy and Advocacy Associate at the Finance Innovation Lab.
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    Justin Sibthorp Protts
    Manager, Cash Strategy & Industry Engagement
    Justin Sibthorp Protts is a financial services policy and regulatory specialist at NatWest Group. He leads the bank’s work on the UK’s emerging regulatory frameworks for access to cash and the wholesale cash infrastructure. Justin also manages NatWest’s partnership with Cash Access UK, supporting the nationwide rollout of shared banking hubs and cash facilities.

    Before joining NatWest, Justin managed industry standards across access to banking, retail and commercial lending, and fraud reimbursement. He previously served as a financial services policy lead at the Consumers’ Association (Which?), focusing on consumer protection and regulatory reform.
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    Robert Norman
    SVP and Director of Cash Logistics Strategy, Fifth Third Bank
    Robert Norman has been in the payments industry for more than 30+ years. He joined Fifth Third in 2010 to develop and manage their Currency Processing Solutions product focused on the Commercial Retail industry. During this time, Fifth Third has been a market-leading provider of cash solutions through innovation that match the needs of their clients.