Michael J. Martino is Director of Cash and Banking at CSX Corp. He is responsible for all cash management, commercial paper and short-term investing activity for CSX and its subsidiaries. He has a BA in economics from Fordham University and an MS in transportation from Northwestern University. A Certified Cash Manager, he is currently working on a strategic initiative to move more of CSX’s customers to electronic payments.

I came into cash management in 1994, in the early days of the Financial Electronic Data Interchange era. I remember attending a conference that year in Chicago, sitting in on sessions that extolled the brave new world of EDI. This new technology promised to create an era of customer satisfaction, improved transaction accuracy and increased quality. Customers and vendors would now be called “trading partners,” with an emphasis on communication and cooperation. In short, Financial EDI promised peace, love and harmony–not to mention better working capital management.

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