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The Origins of the Cashless Society: Cash Dispensers, Direct to Account Payments and the Development of On-Line Real-Time Networks, c. 1965-1985

Research output: Contribution to journal › Article › peer-review

Standard Standard

The Origins of the Cashless Society: Cash Dispensers, Direct to Account Payments and the Development of On-Line Real-Time Networks, c. 1965-1985. / Batiz-Lazo, B.; Karlsson, T.; Thodenius, B.
In: Essays in Economic and Business History, Vol. 32, 03.11.2014, p. 100-137.

Research output: Contribution to journal › Article › peer-review

HarvardHarvard

Batiz-Lazo, B, Karlsson, T & Thodenius, B 2014, 'The Origins of the Cashless Society: Cash Dispensers, Direct to Account Payments and the Development of On-Line Real-Time Networks, c. 1965-1985', Essays in Economic and Business History, vol. 32, pp. 100-137.

APA

Batiz-Lazo, B., Karlsson, T., & Thodenius, B. (2014). The Origins of the Cashless Society: Cash Dispensers, Direct to Account Payments and the Development of On-Line Real-Time Networks, c. 1965-1985. Essays in Economic and Business History, 32, 100-137.

CBE

Batiz-Lazo B, Karlsson T, Thodenius B. 2014. The Origins of the Cashless Society: Cash Dispensers, Direct to Account Payments and the Development of On-Line Real-Time Networks, c. 1965-1985. Essays in Economic and Business History. 32:100-137.

MLA

Batiz-Lazo, B., T. Karlsson and B. Thodenius. "The Origins of the Cashless Society: Cash Dispensers, Direct to Account Payments and the Development of On-Line Real-Time Networks, c. 1965-1985". Essays in Economic and Business History. 2014, 32. 100-137.

VancouverVancouver

Batiz-Lazo B, Karlsson T, Thodenius B. The Origins of the Cashless Society: Cash Dispensers, Direct to Account Payments and the Development of On-Line Real-Time Networks, c. 1965-1985. Essays in Economic and Business History. 2014 Nov 3;32:100-137.

Author

Batiz-Lazo, B. ; Karlsson, T. ; Thodenius, B. / The Origins of the Cashless Society: Cash Dispensers, Direct to Account Payments and the Development of On-Line Real-Time Networks, c. 1965-1985. In: Essays in Economic and Business History. 2014 ; Vol. 32. pp. 100-137.

RIS

TY - JOUR

T1 - The Origins of the Cashless Society: Cash Dispensers, Direct to Account Payments and the Development of On-Line Real-Time Networks, c. 1965-1985

AU - Batiz-Lazo, B.

AU - Karlsson, T.

AU - Thodenius, B.

PY - 2014/11/3

Y1 - 2014/11/3

N2 - This article explores the technological choices made at the dawn of the massification of retail finance. We describe and analyze the early development of electronic banking and the foundations of the cashless society through the experiences of organizations with similar governance in two different competitive environments — Swedish and British savings banks. We document how the adoption of direct-to-account wage deposits and the subsequent deployment of networks of cash dispensers interacted with the adoption of on-line real-time (OLRT) computing, and distinguish on-line and OLRT communication as distinct stages in the evolution of computer networks. We emphasize the role of middle managers in the selection of alternative technologies and show how delivering a cashless society proved more difficult than anticipated.

AB - This article explores the technological choices made at the dawn of the massification of retail finance. We describe and analyze the early development of electronic banking and the foundations of the cashless society through the experiences of organizations with similar governance in two different competitive environments — Swedish and British savings banks. We document how the adoption of direct-to-account wage deposits and the subsequent deployment of networks of cash dispensers interacted with the adoption of on-line real-time (OLRT) computing, and distinguish on-line and OLRT communication as distinct stages in the evolution of computer networks. We emphasize the role of middle managers in the selection of alternative technologies and show how delivering a cashless society proved more difficult than anticipated.

UR - http://www.ebhsoc.org/journal/index.php/journal/article/view/274/257

M3 - Article

VL - 32

SP - 100

EP - 137

JO - Essays in Economic and Business History

JF - Essays in Economic and Business History

SN - 0896-226X

ER -