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Episode 16: Cash, fintechs and regulation – A global perspective on the future banking landscape

Host: Charles Green, Founder, RFI Global
Date: March 26, 2025
Region: Global
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In this episode of Banking Uncovered, we take a deep dive into the evolving financial landscape, exploring the complex relationship between cash, fintech innovation and regulatory frameworks worldwide. As digital banking and fintechs continue to reshape financial services, what does the future hold for traditional banking models, cash usage and financial accessibility?

Host Charles Green speaks to Clinton Cheng, Global Head of ATM Networks for Visa, in a research-driven conversation that uncovers key insights into how consumer behaviour, economic forces and regulatory developments are shaping the banking industry.

Topics discussed include:

  • The rise of fintechs and the implications for cash and ATMs: The impact of the growth of fintechs like Chime, Monzo and Revolut on traditional banking, including cash access, ATM usage, pre-paid cards and travel spending.
  • The response of traditional banks: How traditional banks are rising to the challenge and adapting to a digital-first world with innovative products and services.
  • Shifts in consumer behaviour: How digital-only banks are changing how different demographic segments, including Gen Z, Gen X, Millennials and gig economy workers, interact with financial services.
  • The cost of cash: The impact of fees, regulations, and branch closures on cash accessibility and what this means for banks and consumers.
  • Fintech partnerships and cash access: How digital-first banks like Chime are partnering with networks such as Visa to provide cash access via third-party ATMs.
  • Cash deposits and the role of retailers: The growing role of retail locations in enabling cash deposits for digital banks, and the potential for automation through ATMs.
  • Branch optimisation: How traditional banks are redefining their branch strategies, focusing on more complex financial services while shifting basic transactions to ATMs.
  • Regulatory interventions and banking hubs: How regulators in different markets are stepping in to ensure access to cash and banking services, particularly in rural areas.

Listen now to stay ahead of the trends shaping banking’s future.

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Podcast resources

The Big Switch: Why are US consumers switching to digital-only banking?

Find out more

Episode 11. Jim Marous: Futureproofing finance part 1 – Digital innovation, AI and the dawn of the fintech

Find out more

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