Shaping the cash cycle of the future

Malte Krueger is Professor of Economics at the University of Applied Sciences in Aschaffenburg (Germany) and works as a consultant for PaySys Consultancy (Frankfurt). He holds a Ph.D. in economics from the University of Cologne (Germany) and has worked as a research fellow for the Bank of Spain, the University of Western Ontario, the University of Durham, the University of Karlsruhe, the University of Applied Sciences in Frankfurt and the European Commission. Consulting projects have focused on payments – including internet payments - and the list of clients includes banks, processors, merchants, card schemes, payment service providers, government institutions and others, in Germany and other European countries. Academic research has focused on payments in general, two-sided markets, monetary economics and exchange rates. Malte has published widely in academic and industry journals.

Graham joined LINK in 2006 and is currently Director of Strategy. This also covers initiatives like the future of cash, and interchange, as well as external relations, public affairs, fraud management, physical ATM crime and liaison with LINK’s Members. During the coronavirus pandemic a large part of Graham’s role has been the analysis of consumers cash and ATM use, helping LINK develop the best responses to a fast-moving crisis.

External relations remains a key element of Graham’s role, leading LINK’s liaison a wide range of organisations such as the Government, the Bank of England, Treasury as well as contacts with police, service suppliers, local authorities and regulators such as the Payments System Regulator (PSR) and consumer and charity groups.

Graham was formerly Head of ATMs at Santander during which time he was a LINK Board Director and also worked for several years with cahoot, the on-line bank. He has an MBA from Warwick University, completing a dissertation on the future of financial services over the Internet.

He is married and lives in Buckinghamshire, England.

Professor Franz Seitz teaches Economics with a special focus on Monetary Policy and Financial Markets at Weiden Technical University of Applied Sciences in Germany. He is author of numerous articles in national and international journals. His main fields of research are monetary theory and policy, financial markets as well as payments markets, especially cash in circulation. For many years, Professor Seitz has been acting as a consultant in different projects for central banks, commercial banks and financial as well as non-financial corporations.

Mikael is a senior financial services leader with over 15 years of experience in banking, capital markets, and financial technology innovation. His career spans central banking, global consulting, and strategic advisory, equipping him with deep expertise in financial market infrastructures, digital transformation, and regulatory-driven innovation.

A managing consultant at PA Consulting, Mikael is recognized for his ability to lead large transformation programmes, shaping strategies that drive efficiency, transparency, and resilience in the financial ecosystem.

Jim Leroux is the CEO of Pin4, a global leader in cardless cash disbursement solutions, enabling secure, instant, and convenient cash payouts across ATMs and retail partner locations. With a presence spanning 200 countries and a network of over 500k cash pick-up points worldwide, Pin4 empowers businesses, governments, and humanitarian organizations to deliver cash quickly and reliably—even to individuals without payment cards or bank accounts. Jim has been active in fintech for over 30 years as an operator, investor, advisor and attorney, with a focus on new innovations in the payments and fintech industries.

Diederik Bruggink is Senior Director at the European Savings and Retail Banking Group (ESBG) where he is responsible for all payments topics worldwide. In that role, he also advocates the associations’ positions on payments with policymakers, regulators, standardisation bodies, industry associations, and enabling a constant member dialogue on developments, with a particular focus on innovation. He is Chair of the Cash Efficiency Working Group of the European Payments Council (EPC) and he was co-chair of the Euro Retail Payments Board (ERPB) working group on access to and acceptance of cash. He is also a Member of the Board of the European Payments Council and he is a member of the European Commission’s Payments Systems Market Expert Group and he was a member of the European Central Bank’s Market Advisory Group on the Digital Euro, to name a few.

Marc Schwartz, born in 1963 in Paris, is Chairman and CEO of La Monnaie de Paris, the French National Mint. He is also a lecturer in media and cultural economics at Sciences Po, a leading Social Sciences University in Paris.

Marc Schwartz started his career as an Auditor with the National Court of Audit (Cour des comptes) in 1988 and joined the Treasury Department in 1992. He became, in 1997, special advisor to the minister for Economy, Finance and Industry and to the secretary of State for Budget.

He joined the media group France Télévisions in 2000, as CFO, then deputy CEO. In 2010, he became a senior partner with the international audit and consulting firm Forvis-Mazars, in charge of Public Sector and Media. He returned to the Cour des Comptes in 2014 and was appointed Chief of Staff to the minister of Culture in 2017, before joining Monnaie de Paris in 2018.

He holds a BA’s in economics and public finance (Sciences Po), certificates of finance and international finance from the London School of Economics (LSE), a master in corporate finance from Conservatoire national des Arts et métiers (CNAM), and a master of public administration from Ecole Nationale d’Administration (ENA).

Marc Schwartz is the author of various articles on monetary and financial issues and of two books: The French Financial System (Montchrestien, 1992) and The New Currency War (Odile Jacob, 2025), co-authored with Pr. Christian de Boissieu.

Roel van Anholt is passionate about payment systems, with a special focus on cash. He holds a PhD in Economics on cash logistics and has explored the topic from multiple angles: academic research, strategic roles at Geldmaat (Dutch ATM network), and policy work at the Dutch Central Bank (DNB). At DNB, he leads initiatives shaping the future of cash, including legislative reforms and industry-wide agreements. His cross-sector experience makes him a unique voice in the international cash debate.