White Papers

The Role of Cash in Times of Crisis: Implications for the Payments Ecosystem

Author(s): Sofia Sadiq
Published By: ATM Industry Association
Publication date: May 13, 2026

This report examines the role of cash during periods of disruption, with a particular focus on ATM network resilience, system vulnerabilities, and the behavior of households and institutions under stress. It demonstrates that cash is not merely a legacy payment instrument but a strategic resilience asset that ensures continuity when digital systems are degraded or fail.

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