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Reliability and security at the dawn of electronic bank transfers in the 1970s-1980s

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  • Maixe-Altes, J. Carles

Abstract

From a historical perspective, the concept of reliability and computing security in the early 1970s, when electronic data transfer processes were in infancy, is especially interesting in terms of their implications in technological change and the business of banking. The cases of Japan, Spain and Germany, in terms of their national banking networks, provide an interesting field of analysis in terms of the implications that the online data transfer systems had for banking institutions. Concerns about the reliability of the computing processes and digital security were the key factors. These innovations laid the foundation for the advancement of networks and new banking services that would open up unprecedented horizons in what was to become known as service banking.

Suggested Citation

  • Maixe-Altes, J. Carles, 2020. "Reliability and security at the dawn of electronic bank transfers in the 1970s-1980s," MPRA Paper 103783, University Library of Munich, Germany, revised Sep 2020.
    • Handle: RePEc:pra:mprapa:103783
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    File URL: https://mpra.ub.uni-muenchen.de/103783/1/MPRA_paper_103783.pdf
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    References listed on IDEAS

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    1. Batiz-Lazo, Bernardo & Del Angel, Gustavo A., 2018. "The Ascent of Plastic Money: International Adoption of the Bank Credit Card, 1950–1975," Business History Review, Cambridge University Press, vol. 92(3), pages 509-533, October.
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    3. Yates, JoAnne, 1993. "Co-evolution of Information-Processing Technology and Use: Interaction between the Life Insurance and Tabulating Industries," Business History Review, Cambridge University Press, vol. 67(1), pages 1-51, April.
    4. Bernardo Batiz-Lazo & Leonidas Efthymiou (ed.), 2016. "The Book of Payments," Palgrave Macmillan Books, Palgrave Macmillan, number 978-1-137-60231-2.
    5. Batiz-Lazo, Bernardo & Maixe-Altes, J. Carles, 2009. "Managing technological change by committee: Adoption of computers in Spanish and British savings banks (circa 1960-1988)," MPRA Paper 27086, University Library of Munich, Germany.
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    More about this item

    Keywords

    computer security and reliability; banks and savings banks; teleprocessing networks; EFT; ICT in banking;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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