cashinfrastructure

Cash in Transit in South Africa: Current Pressures and Reform Implications

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Introduction Cash remains a critical component of South Africa’s payments ecosystem. Given the current role of cash together with the continued acceleration of South Africa’s economy, it is timely that the South African Reserve Bank (SARB) has launched its Payments Ecosystem Modernisation Programme (PEM), and alongside this its Cash Smart Strategy. For context, it’s worth

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Transforming South Africa’s Cash System: a Conversation on Opportunities and Risks

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Introduction The South African Reserve Bank (SARB), as part of its ambitious Payments Ecosystem Modernisation Programme (PEM), is pursuing a “Cash Smart Strategy.” While the detail of the strategy is still emerging, early signals suggest it will be just as far‑reaching as PEM itself. Barry Röhrs, Malcolm Clingham, Scott Forster and Matt Sykes recently sat

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When the Status Quo Is the Risk: Rethinking Cash System Resilience

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Cash is often cited as a critical redundancy for national payment systems – a failsafe when digital channels are disrupted. But this assumption rests on a fragile foundation. While cash can, in theory, provide resilience, the infrastructure that supports its distribution – particularly the cash-in-transit (CIT) sector – is under acute and growing strain. Without

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Is cashback/cash out a channel that will solve the growing challenge of cash access?

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There is ongoing discussion – one might say hope – that retail-based cash access is a potential long-term solution for consumer access to cash. We don’t see any real evidence to support this playing out in the community. In this article we outline the problem, how retail cash access – known as cashback, or cash

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The cash system, the cash cycle and cash infrastructure: definitional differences

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The CPT Research Centre has a key area of research focus around cash. Within the cash sector a number of terms are thrown around, and at times interchangeably. As we move toward understanding how to improve and transform, we believe it is helpful and important to be clear on what we are speaking about. Three

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The Australian National Cash Infrastructure: Time for a Strategic Overhaul?

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Since the proposed merger of Linfox Armaguard and Prosegur Australia came before the Australian Competition and Consumer Commission for approval, the importance and relevance of cash as a means of payment has regularly been in the spotlight. The merger process and subsequent well-reported events have highlighted the cost of maintaining cash as a form of

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