Cheryl Collier, Vice President Operations Support, State Employees Federal Credit Union
Daniel Kramer, Senior Vice President, Marketing and Merchant Services, SHAZAM
James Hanisch, Executive Vice President, Network Operations & Corporate Development CO-OP Financial Services
Donna L. Embry, Senior Vice President Strategic Development, Payment Alliance International, Inc.
Alan Walsh, Vice President of Banking, US Division, Wincor-Nixdorf
Moderator: Heidi Liebenguth, Consulting Partner, Crone Consulting LLC

Cash access through ATMs has been limited to network-registered cards using magnetic stripes and personal identification numbers (PINs); this all changes with mobile cash access. Now it is possible to use a smart phone app (i.e., mobile wallet) to activate and access traditional and advanced functionality at ATMs. Mobile cash access is a disruptive technology because authentication credentials can be controlled by the issuer of the smart phone app/mobile wallet without participation by the card associations. That creates the potential to dramatically disrupt the existing value chain and provide new branding and product development opportunities and a foundation for mobile payments at the physical point of sale.

• What does it mean to stage ATM transactions “in the privacy of your own phone” for mobile cash access
• How can you gain from using your own mobile banking app to activate ATMs vs. apps by 3rd parties
• Hardware vs. software only approaches and how to avoid truck rolls to upgrade legacy ATM hardware for mobile cash access
• Using your mobile banking app for strong authentication and processing that avoids card association royalties/interchange
• ATM mobile cash access as a pathway to mobile payments and mobile self-marketing