This book examines the nature of retail financial transaction infrastructures. Contributions assume a long-term outlook in their exploration of the key financial processes and systems that support a global transition to a cashless economy. The volume offers both modern and historic accounts that demonstrate the constantly changing role of payment instruments. It brings together different theoretical approaches to the study, re-examining and forecasting changes in retail payment systems. Chapters explore a global transition to a cashless society and contemplate future alternatives to cash, cheques and plastic, featuring the perspectives of academics from different disciplines in conversation and industry participants from six continents. 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.
Table of Content
Chapter 1) Pre−1900 utopian visions of the ‘cashless society’; Matthew Hollow.- Chapter 2) The Banknote: a Momentous Innovation; Yolanda Blasco-Martel and Carles Sudrià-Triay.- Chapter 3) Innovating means of payment in Chile, 1840s – 1860; César Ross.- Chapter 4) The Many Monies of King Cotton: Domestic and Foreign Currencies in New Orleans, 1856-1860; Manuel Alejandro Bautista González.- Chapter 5) The Art of Lending in the Pampas: Commercial Credit and Financial Intermediation in Argentina, 1900–1930; Andrea Lluch.- Chapter 6) Matching cash and kind: Argentina’s experimentation with multiple currencies; Georgina M. Gomez.- Chapter 7) A South American Experience on Bartering: the case of Tradaq in Brazil; José E. Rivero.- Chapter 8) Dematerialization and the cashless society: a look backward, a look sideward ; Patrice Baubeau.- Chapter 9) Origins of the Modern Concept of a Cashless Society, 1950s-1970s ; Bernardo Bátiz-Lazo, Thomas Haigh and David L. Stearns.- Chapter 10) From Teleprocessing to Cashless Payment Technologies: “la Caixa” 1960-2015 ; J. Carles Maixé-Altés.- Chapter 11) Limits to cashless payments and the persistence of cash. Hypotheses about Mexico; Gustavo A Del Angel.- Chapter 12) The Cyprus Cash Crash: A Case of Collective Punishment; Leonidas Efthymiou and Sophia Michael.- Chapter 13) Caja Vecina: The Bancarization of Chile through Corner Shops; Juan Felipe Espinosa Cristia and José Ignacio Alarcón Molina.- Chapter 14) Entrée: The Rocky Origins of Visa’s Debit Card ; Dave Stearns.- Chapter 15) Protecting Plastic: Credit Card Fraud in Historical Perspective; Vanatta H. Sean.- Chapter 16) Mondex, Visa Cash: A First (Failed) Attempt at an Electronic Purse ; Bernardo Bátiz-Lazo and Tony Moretta.- Chapter 17) The matter of payment ; Joe Deville.- Chapter 18) The Russian Payments Scheme: Politics, Innovation and The Cash Problem ; Daniel Gusev.- Chapter 19) Who holds credit cards and bank accounts in Uruguay? Evidence from Survey of Uruguayan Households ; Graciela Sanroman and Guillermo Santos.- Chapter 20) Mobile banking in Africa: The current state of play; Marybeth Rouse and Verhoef Grietjie.- Chapter 21) Mobile Payment System in Turkey; Dalziel Nurdilek and Ali Avunduk Can.- Chapter 22) Electronic Payment System of Thailand: Mobile Banking Market Competition; Jarunee Wonglimpiyarat.- Chapter 23) The Determinants of Mobile Payment Adoption: An Intercultural Study; Uwe Hack.- Chapter 24) Can mobile money replace cash in India?; Lakshmi Kumar.- Chapter 25) A Gentle Introduction to Side Channel Attacks on Smartphones; Simon Laurent.- Chapter 26) Barriers and drivers to future bank adoption of mobile banking: A stakeholder perspective; Jennifer Mullan, Laura Bradley and Sharon Loane.- Chapter 27) European Payments: A Path towards the Single Market for Payments ; Ruth Wandhofer.- Chapter 28) The Single Euro Payment Area (SEPA): Implementation in Spain; Santiago Carbo-Valverde and Francisco Rodríguez Fernández.- Chapter 29) Revolutionizing Cashless Payments in Mexico: the Case of Mimoni; Gabriel Manjarrez.- Chapter 30) The Future of Money; Anette Broløs.- Chapter 31) Payments as we know them are changing – ebarts the Social e Currency: Tomorrow’s Cash; Yasmine Arafa, Cornelia Boldyreff and Miriam Morris.- Conclusion: Milestones for a Global Cashless Economy; Bernardo Bátiz-Lazo, Leonidas Efthymiou and Sophia Michael.
About the author
Bernardo Batiz-Lazo read economics at ITAM, Mexico, and Autónoma de Barcelona, Spain; history at the University of Oxford, UK, and received a doctorate in business administration from Manchester Business School, UK). He has been studying financial markets and institutions since 1988. He joined the University of Bangor as Professor of Business History and Bank Management after appointments in Leicester, UK; the Open University, UK, and Queen’s University of Belfast, Ireland. He has combined full time appointments with consulting and executive training in Europe, the Gulf states, Latin America and Asia. Bernardo has written over 35 refereed articles, 3 books and 8 distance learning books. He is a Fellow of the Royal Historical Society, research associate of Fundación Estudios Financieros (Fundef – ITAM), and edits a weekly report on new working papers in payments and financial technology (see http://lists.repec.org/mailman/listinfo/nep-pay).
Leonidas Efthymiou is coordinator of the Business Department at Intercollege Larnaca, Cyprus, and lecturer at UNICAF, Cyprus, since 2010. He received his Ph D from the University of Leicester, UK, in 2011 through an ethnographic study on workplace control and resistance. His Ph D thesis received the 2012 Best Dissertation award at the Academy of Management meeting, held in Boston, USA. He is interested in a wide range of business phenomena, varying from service workers performing emotional, affective and aesthetic labour to cashless payments in the context of corporate legitimacy and sociology of finance. His recent publications examine the role of payment infrastructures during banking shutdowns, insolvencies and bank-runs.
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