Overview

Cash and Dash: How ATMs and Computers Changed Banking uses the invention and development of the automated teller machine (ATM) to explain the birth and evolution of digital banking, from the 1960s to present day. It tackles head on the drivers of long-term innovation in retail banking with emphasis on the payment system.Using a novel approach to better understanding the industrial organization of financial markets, Cash and Dash contributes to a broader discussion around innovation and labour-saving devices. It explores attitudes to the patent system, formation of standards, organizational politics, the interaction between regulation and strategy, trust and domestication, maintenance versus disruption, and the huge undertakings needed to develop online real-time banking to customers.

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9780198782810

Table of Contents

Reviews

Bátiz-Lazo should be commended for his tireless work and painstaking detail. Cash and Dash is an important contribution for historians and scholars of the unpredictable and often chaotic world of financial innovation... an essential contribution to the canon on the history of financial innovation. * Scott A. Burns, EH.Net * Few technologies have done as much as the ATM to promote consumer convenience, advance financial inclusion, and grease the wheels of commerce. As a leading authority on the role ATMs have played in in the financial services sector, and how they helped pave the way for digital banking, Bernardo Batiz-Lazo advances our understanding of this vital technology. * William (Bill) Nuti, Chairman and CEO, NCR Corporation, US * By empowering bank customers to use sophisticated but simple-to-use self-service technology to access their bank accounts and cash outside the branch and its limited hours, the ATM revolutionised not just banking but the way we live today. The world's number one ATM historian has penned a definitive account of the rise of the ATM to its current pre-eminence as an indispensable retail bank channel. Cash and Dash: How ATMs and Computers Changed Banking satisfies the highest academic standards of objectivity while narrating a complex global story of technological evolution in human, cultural terms. This is the bible of ATM history for scholars, business leaders, technophiles and savvy consumers. * Michael Lee, CEO, ATM Industry Association and author of Codebreaking our Future: Deciphering our futures hidden order *

By empowering bank customers to use sophisticated but simple-to-use self-service technology to access their bank accounts and cash outside the branch and its limited hours, the ATM revolutionised not just banking but the way we live today. The world's number one ATM historian has penned a definitive account of the rise of the ATM to its current pre-eminence as an indispensable retail bank channel. Cash and Dash: How ATMs and Computers Changed Banking satisfies the highest academic standards of objectivity while narrating a complex global story of technological evolution in human, cultural terms. This is the bible of ATM history for scholars, business leaders, technophiles and savvy consumers. * Michael Lee, CEO, ATM Industry Association and author of Codebreaking our Future: Deciphering our futures hidden order * Few technologies have done as much as the ATM to promote consumer convenience, advance financial inclusion, and grease the wheels of commerce. As a leading authority on the role ATMs have played in in the financial services sector, and how they helped pave the way for digital banking, Bernardo Batiz-Lazo advances our understanding of this vital technology. * William (Bill) Nuti, Chairman and CEO, NCR Corporation, US * Batiz-Lazo should be commended for his tireless work and painstaking detail. Cash and Dash is an important contribution for historians and scholars of the unpredictable and often chaotic world of financial innovation... an essential contribution to the canon on the history of financial innovation. * Scott A. Burns, EH.Net *

Few technologies have done as much as the ATM to promote consumer convenience, advance financial inclusion, and grease the wheels of commerce. As a leading authority on the role ATMs have played in in the financial services sector, and how they helped pave the way for digital banking, Bernardo Batiz-Lazo advances our understanding of this vital technology. * Marija Zivanovic-Smith, NCR Corporation, US *

By empowering bank customers to use sophisticated but simple-to-use self-service technology to access their bank accounts and cash outside the branch and its limited hours, the ATM revolutionised not just banking but the way we live today. The world's number one ATM historian has penned a definitive account of the rise of the ATM to its current pre-eminence as an indispensable retail bank channel. Cash and Dash: How ATMs and Computers Changed Banking satisfies the highest academic standards of objectivity while narrating a complex global story of technological evolution in human, cultural terms. This is the bible of ATM history for scholars, business leaders, technophiles and savvy consumers. * Michael Lee, CEO, ATM Industry Association and author of Codebreaking our Future: Deciphering our futures hidden order * Few technologies have done as much as the ATM to promote consumer convenience, advance financial inclusion, and grease the wheels of commerce. As a leading authority on the role ATMs have played in in the financial services sector, and how they helped pave the way for digital banking, Bernardo Batiz-Lazo advances our understanding of this vital technology. * William (Bill) Nuti, Chairman and CEO, NCR Corporation, US *

Author Information

Bernardo Bátiz-Lazo is a professor of business history and bank management at Bangor University, Wales. He is a Fellow of the Royal Historical Society, and is a world class authority on the automation of banking, financial technology, and cashless retail payments. His previous books have included The Book of Payments: Historical and Contemporary Views of the Cashless Economy (Palgrave Macmillan, 2016), Cash Box: The Invention and Globalization of the ATM (NetWorld Media Group and ATM Industry Association, 2013), and Technological Innovation in Retail Finance: International Historical Perspectives.

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