May 21, 2019 @ 5:30 pm – 8:00 pm
Davis Wright Tremaine LLP
1251 Avenue of the Americas
21st Floor, New York
NY 10020

Your Money’s No Good Here:

Cashless Commerce vs Financial Inclusion

Tuesday, May 21, 2019
at the offices of Davis Wright Tremaine LLP
1251 Avenue of the Americas, 21st floor, New York, NY 10020

There is a strong push on the part of card companies and some merchants to eliminate cash in retail, citing reduced transaction times, crime, and worker headcount. But could cashless commerce deprive millions of unbanked customers from access to food and other goods and services? States and municipalities are starting to push back with proposals to restrict cashless commerce in New York City, New Jersey, Philadelphia and San Francisco.

We’ll use this latest skirmish as a starting point for a discussion on the ongoing battle for financial inclusion. What is the current status of efforts to provide financial services to the unbanked? Will mandating the acceptance of cash help or hurt these effort?

With special thanks to sponsor:



Moderated by
Andrew Lorentz, Partner, Davis Wright Tremaine LLP

Andrew Lorentz co-chairs DWT’s FinTech Practice. He focuses on the retail financial services sector and is particularly knowledgeable regarding mobile and other electronic payment systems. He has extensive experience in both the regulatory and commercial issues in retail payments and his clients include major banks and non-depository financial institutions, global technology companies, wireless carriers, e-commerce companies, and international retailers. Andy also has extensive experience with a wide variety of other transactions and regulatory matters both in the United States and abroad. He is a frequent speaker on a range of topics related to FinTech at numerous industry events.


The Panelists

Devina Khanna

Devina Khanna

Manager, Center for Financial Services Innovation (CFSI)

Devina Khanna is a Manager at the Center for Financial Services Innovation (CFSI) focused on Policy and Innovation. Devina supports CFSI’s Washington, DC relationships and tracks trends in financial innovation. Her role includes engaging with policymakers to further CFSI’s mission of improving consumer financial health. Prior to joining CFSI, Devina worked at the Consumer Financial Protection Bureau where she focused on small dollar credit and a variety of other topics. She earned a BA in Economics from University of California, Santa Cruz, and an MS in Public Policy and Management from Carnegie Mellon University.

Matthew Homer

Matthew Homer

Consumer Data Access, Control & Portability, Plaid

Matt Homer is a member of the policy team at Plaid. Throughout his career, Matt has worked for both the US government and nonprofit organizations to help the public and private sector navigate digital economies and consumer data rights.

Eric Noggle

Eric Noggle

Senior Director of Research, Center for Financial Inclusion at Accion (CFI)

Eric Noggle is the Senior Director of Research at the Center for Financial Inclusion at Accion (CFI), where he leads a team of researchers studying financial capability, financial health, digital financial services, and innovations in the sector. Prior to Accion, Eric served as Research Director at Microfinance Opportunities where he led studies examining consumer financial behavior for banks, donor agencies, foundations, impact investors, microfinance institutions, and mobile operators. Eric holds a Master of Public Administration from Syracuse University and a Bachelor of Arts in Economics from the University of Nevada.

Leon Perlman

Leon Perlman

Founder and head of the Digital Financial Services Observatory, at the Columbia Institute for Tele-Information, Columbia University

Dr. Leon Perlman is the founder and head of the Digital Financial Services Observatory, at the Columbia Institute for Tele-Information at Columbia Business School. The DFSO explores the policy, regulatory, technical, disruptive and commercial aspects of DFS, emerging payments, big data, and blockchain technologies. It is funded by the Bill and Melinda Gates Foundation.

A former scientist and successful entrepreneur, he has been in the telecommunications, payments and micro-payments industry for over 25 years. He currently heads the blockchain and infrastructure security workgroups for the new Financial Inclusion Global Initiative (FIGI). His expertise as a consultant and researcher extends to payments, anti-money laundering national payment systems, de-risking, risk frameworks, telecommunications, cyber-security, and blockchain technologies.

He concentrates on commercial, technical, policy, legal and regulatory aspects of these ecosystems and issues. He has consulted widely on financial inclusion and regulatory solutions to central banks, DFS service providers, payment service providers, MNOs, regulators, the World Bank, CGAP, GIZ, ITU, USAID, UNCDF,EIB, IFC and many philanthropic organizations. His experience spans over 30 developed and developing markets.

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