Stay tuned with CashEssentials news ! - beyond payments
By subscribing, you accept our Privacy Policy.

Who are we?

CashEssentials was launched in February 2018. Our foundational ideas are contained in the white paper “CashEssentials – Beyond Payments”, by CashEssentials chair and founder Guillaume Lepecq, a 20-year cash and payments industry specialist. Since then, we have produced numerous policy-analytical reports and publications by a range of contributing specialists that provide reliable information about cash, the evolution of its use and why.

Our competencies are grounded in the payments industry, but we support a multi-disciplinary approach and exchange of expertise across banking, economics, finance and the social sciences. We are transnational, interacting at both the regional and global level. Our affiliates and partners are payments industry experts, as well as consumer groups, and charities.

Central banks decide on the design and the denomination mix of cash; commercial banks, payment service providers and FinTechs facilitate its distribution via ATMs, bank branches and other channels; as retailers facilitate its acceptance. But it is ultimately the consumer who drives demand for cash, and 85% of payments in the world continue to be made in physical money. This underpins our whole approach, our credo.


CashEssentials is a not-for-profit association registered in France and governed by its statutes. The General Assembly comprising CashEssentials’ members elects a Board and a Chairman, which decide on the strategy and budget.

An independent Steering Committee is appointed by the Board and is responsible for shaping the work programme and evaluating the quality of research.

This post is also available in: Spanish

AGIS Consulting is an independent strategy consulting company specialised in payment transaction strategies & solutions. AGIS focuses on providing payments professionals with value-added business insight & marketing solutions in the payments value chain. 

Prosegur Cash is a company dedicated to the cash-in-transit and cash management, covering the complete cash cycle. It employs nearly 45,000 people in 28 countries and it earned revenue of 1,519 million euros in 2021. Prosegur Cash is positioned as a global benchmark with a clear focus on being the market leader. In addition, the company shows its social commitment by working on ten of the 17 United Nations Sustainable Development Goals, which it considers can have a positive impact. Prosegur Cash is part of The Climate Pledge, an international alliance whose members have committed to generating net zero carbon emissions by 2040. Prosegur Cash is listed on the Spanish stock exchanges under the symbol CASH.

Loomis is the premier cash management and payment specialist . With a wide variety of solutions including cash transportation, cash management, intelligent safes and ATM services, we’re here to help manage the flow of cash. Working with financial institutions, independent ATM deployers, retailers, public sector bodies and a huge range of other businesses, we have a presence in over 20 countries, operate over 400 offices and employ more than 24,000 people. Our international presence provides the benefit of a global network alongside extensive knowledge of each local market’s payment ecosystem.

Loomis has an illustrious heritage and a long history of managing cash. We have a strong international presence with about 400 branch offices spread across more than 20 countries. We offer comprehensive solutions for cash handling primarily to banks and retailers. As the Specialist at creating efficient cash flow, we know better than anyone else where, when and how much cash is needed in society.

Sesami is a global cash ecosystem performance and technology company providing financial institutions and consumer businesses the ability to work with a single partner across the full spectrum of cash management products and services.

These include advisory, business intelligence, and analytics; a comprehensive and customizable software suite for tracking, forecasting, and data aggregation; managed product maintenance, cash ecosystem services, and processing services delivered by best-in-class third-party cash operators wherever our clients operate; and leading intelligent cash automation and security device options, including Tidel and Gunnebo Cash Management solutions.

Founded in 1927 and headquartered in Lausanne, Switzerland, SICPA is a privately owned company, providing secured identification, traceability and authentication solutions and services.

The Monnaie de Paris (Paris Mint) is a government-owned institution responsible for producing France’s coins.

Reconnaissance International is the leading global source of business intelligence on currency, optical and digital document security, personal identification, authentication and brand protection.


Founded in 1997, ATMIA is the leading non-profit trade association representing the entire global ATM industry. It serves more than 11,000 members from over 650 companies located in 70 countries spanning the entire ATM ecosphere, including financial institutions, independent ATM deployers, equipment manufacturers, processors and a plethora of ATM service and value-added solution providers.

The Consumer Choice in Payment Coalition  (CCPC) is a group of businesses and consumer groups that have come together to advocate for consumer choice and for preserving the right of all consumers to use cash to pay for goods and services in the marketplace.