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Is the future of the ATM past?

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Author Info
Batiz-Lazo, Bernardo
Reese, Claudia

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Abstract

Just over 40 years ago the first cash dispensers became operational in the UK. From its modest beginnings this industry specific application evolved into the backbone of self service technology. In this article we consider their past and present to reflect on their future with the assistance of the so called ‘social construction of technology’ theory while supported by archival research and a summary of interviews with ‘actors’ in the UK. We tell how machine, functionality and shared networks will continue to interact in shaping the future of the cash dispensing market.

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File URL: http://mpra.ub.uni-muenchen.de/9316/
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Publisher Info
Paper provided by University Library of Munich, Germany in its series MPRA Paper with number 9316.

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Date of creation: Jun 2008
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Handle: RePEc:pra:mprapa:9316

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Related research
Keywords: cash dispenser ATM payment systems UK networks self-service market multilateral interchange fee (MIF) LINK

Find related papers by JEL classification:
L14 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Transactional Relationships; Contracts and Reputation
N24 - Economic History - - Financial Markets and Institutions - - - Europe: 1913-
L80 - Industrial Organization - - Industry Studies: Services - - - General
G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Mortgages

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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
  1. Richard J. Sullivan, 2007. "Risk management and nonbank participation in the U.S. retail payments system," Economic Review, Federal Reserve Bank of Kansas City, issue Q II, pages 5-40. [Downloadable!]
  2. Liebowitz, S J & Margolis, Stephen E, 1995. "Path Dependence, Lock-in, and History," Journal of Law, Economics and Organization, Oxford University Press, vol. 11(1), pages 205-26, April.
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  3. Chandler, Alfred D, 1992. "Organizational Capabilities and the Economic History of the Industrial Enterprise," Journal of Economic Perspectives, American Economic Association, vol. 6(3), pages 79-100, Summer. [Downloadable!] (restricted)
  4. Liebowitz, S J & Margolis, Stephen E, 1990. "The Fable of the Keys," Journal of Law & Economics, University of Chicago Press, vol. 33(1), pages 1-25, April.
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This page was last updated on 2008-11-18.

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