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Is the future of the ATM past?

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  • Batiz-Lazo, Bernardo
  • Reese, Claudia

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

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  1. Liebowitz, S J & Margolis, Stephen E, 1990. "The Fable of the Keys," Journal of Law and Economics, University of Chicago Press, vol. 33(1), pages 1-25, April.
  2. David, Paul A, 1985. "Clio and the Economics of QWERTY," American Economic Review, American Economic Association, vol. 75(2), pages 332-37, May.
  3. Alfred D. Chandler, 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.
  4. 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.
  5. Stephen E. Margolis & S.J. Liebowitz, . "Path Dependence, Lock-in and History," Working Paper Series 10, North Carolina State University, Department of Economics.
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  1. Must we question corporate rule?
    by bbatiz in NEP-HIS blog on 2013-01-17 11:12:01

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