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This title investigates how computers have transformed the internal workings of financial service organizations in different competitive environments around the globe. It shows how and when technological change altered the competitive intensity in the markets for retail finance.

This book 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. The discussion tackles head on the drivers of long-term innovation in retail banking.

It brings together different theoretical approaches to the study, re-examining and forecasting changes in retail payment systems. Readers are invited to discover the innovation in payment systems and how it co-evolves with changes in society and organisations through personal, corporate and governmental processes.

This edited volume offers a new and original approach to the study of technological change in retail finance. Documenting developments in the US alongside case studies from Mexico and Europe, Technological Innovation in Retail Finance addresses the variety of financial institutions that populated the markets for retail finance. It offers a massive research base reflecting not only breadth of contributor interests, but also a unity of purpose that comes from several workshops and comments on each other's work. Technological innovation had a major role in the shaping and developing of...