Bernardo Batiz-Lazo

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Technological innovation in general and information technology (IT) applications in particular, have had a major effect in banking and finance. Following Garbade and Silber (1978), this research reviews the effects on banking organisations with reference to front office or external changes as described by the nature of product and service offerings.(More)
This is an empirical review of IT outsourcing as an emerging tool for corporate strategy after deregulation and other phenomena challenged the suitability of global/universal bank model. Case studies of UK commercial banks are used to focus on cost management of paper and electronic processing through insourcing and outsourcing arrangements to change the(More)
In this paper we describe the first decades of the history of the Swedish ATM (Automated teller machine). Sweden was one of the pioneers in using ATMs, starting with cash dispensers or cash machines in 1967. The first machine was made operational and shown to the press on July 6, 1967, in Uppsala at Upsala Sparbank, only one week after the first cash(More)
Sustained competitive advantage depends heavily on the ability of organisations to internalise the benefits of innovative activities. While the vital importance of innovation in today's competitive climate has been widely proclaimed, our understanding of innovative behaviour in service organisations is not yet fully developed. This article documents an(More)
This research project will present a qualitative and quantitative account of how Lloyds Bank emerged as the strongest UK bank in the 1990s-after being the weakest ten years earlier. Through a case study approach the research presents the genesis and performance of Lloyds Bank's response to new growth opportunities. Through econometric analysis (i.e. an(More)
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