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.
1 - The cash machine as a window to internal and external change in retail banking 2 - Was there a white-heat moment of invention 3 - The British are coming! 4 - Building the pipelines 5 - Embedding the ATM in the banking organization 6 - A global network 7 - Independent ATM Deployers (IADs) 8 - Earning people's trust 9 - A bank branch in a box 10 - Epilogue: The cashless society and the ATM in the twenty-first century
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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