Bernardo Batiz-Lazo

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The central role of information processing in banking leads to an expectation that banking and finance companies will be strongly affected by technological innovation in general and applications of information and communications technologies (IT) in particular. This research reviews those effects on banking organizations with reference to front-office or(More)
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)
There are but a handful of systematic studies on the history of automated teller machines (ATMs) yet all fail to address the issue of paternity while perpetrating ‘common wisdom’ beliefs. This article looks at the birth of currency dispensing equipment, the immediate predecessor to the ATM. At the simplest level, at least four separate instance of(More)
The success of currency dispensers in the 1960s was the technological precondition for the now omnipresent automated teller machines (ATMs). An examination of the three earliest separate instances of cash-dispensing technology not only illuminates the history of this device but demonstrates how users-in this case banks-shape and direct technological change.
This article records the evolution of the use of computer technology by the civil engineering firm Ingenieros Civiles Asociados (ICA), one of Mexico’s most successful businesses. ICA installed an IBM 1130 in 1966. Driven by its internal market system, applications soon shifted from engineering to administration, particularly cost accounting and payroll.(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)
A dramatic change occurred in retail banking technology in Hong Kong between 1960 and 2000. Initially, the relevant technologies were installed and managed within the boundaries of large banks, such as HSBC. Over the course of this period, however, the industrial organization of the relevant technologies transformed to include provisions outsourced to(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)