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Why The ATM Still Maters In a Digital Age

In this episode, Paul Gardiner, Founder of Marin FinTech and former CITO/CTO behind the world’s largest ATM and payment networks, joins Alex to unpack the hidden infrastructure of money. With more than 25 years of experience running global ATM, payments, and fintech platforms, Paul brings a rare, inside view of how cash, cards, and digital systems actually move money at scale. They explore why predictions about the “death of cash” keep missing the mark, how ATMs quietly remain one of the most resilient financial technologies ever built, and what really happens behind the scenes when you withdraw cash. Paul shares insights on legacy systems, security, AI-driven fraud prevention, large-scale fintech carve-outs, and the growing convergence of traditional finance, stablecoins, and decentralized infrastructure. You’ll learn why ATMs remain critical to global financial resilience and how cash, AI, and digital payments will coexist in the next generation of financial infrastructure. Timestamps: 00:00 – Intro: Meet Paul Gardiner 02:30 – How money actually moves behind the scenes 06:00 – Bank-owned vs. independent ATM networks 10:15 – Why cash isn’t disappearing 14:30 – The real reasons ATM numbers are declining 18:00 – Cash as a budgeting and crisis tool 20:40 – Physical, cyber, and fraud threats to ATMs 25:10 – How AI improves ATM and payments security 29:30 – Large-scale fintech carve-outs and system separation 34:00 – Marin FinTech and the future of payments consulting 37:40 – DeFi, stablecoins, and cross-border settlement 40:30 – Designing the future of financial infrastructure 42:40 – Final thoughts: why cash and ATMs still matter 🎙 Guest: Paul Gardiner — Founder of Marin FinTech | Former CITO/CTO of Global ATM & Payments Networks | Payments & Fintech Infrastructure Leader 🔗   / pgardiner   SUBSCRIBE to the podcast here:    / @curiositycodepodcast   Connect with Productera: Website: https://productera.io Linkedin:   / alexkhomyakov   Become a guest: https://productera.io/podcast