News & Media From Bernardo Batiz-Lazo

Tragedy or strategy? The relevance of the past for competitive advantage

by Bernardo Batiz-Lazo — Professor of Business History, Bangor University

Bátiz-Lazo, departmental chair in Business History and bank management at Bangor University, in Wales, discussed the importance of creating a competitive…

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The future of cash, ATMs — your 2020 spoiler alert

by Bernardo Batiz-Lazo — Professor of Business History, Bangor University

According to some economists, we've been experiencing an extended period of slow growth since the 1970s. What does this mean for the future of cash and ATMs?

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Stories we tell ourselves: ATM myths and narratives

by Bernardo Batiz-Lazo — Professor of Business History, Bangor University

A narrative, as Nobel laureate Robert Shiller defines it, is a story with a moral that can rise to the level of an economic narrative. In the ATM world, we…

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Mexico's new QR-based payments system — will it succeed?

by Bernardo Batiz-Lazo — Professor of Business History, Bangor University

Banxico recently rolled out CoDi, a smartphone and QR-based payments system. ATM historian Bernardo Batiz-Lazo steps us through how QR codes became so popular…

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To Win 10 or not to Win 10? Is that really the question?

by Bernardo Batiz-Lazo — Professor of Business History, Bangor University

For some time now, as the goal for 2020, ATMIA has promoted migration to Windows 10. This goal, however, is not shared by everyone.

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How Chile's BancoEstado keeps cash available to entire nation

by Bernardo Batiz-Lazo — Professor of Business History, Bangor University

Chile's BancoEstado, a government-owned bank, relies on a correspondent banking system to offer its services across the country. Operating as simplified bank…

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The ATM at 50: Still evolving ... or slipping toward extinction?

by Bernardo Batiz-Lazo — Professor of Business History, Bangor University

Proponents of the cashless economy see ATMs as dinosaurs. However, the ATM retains one great advantage in that it is a channel fully under the bank's control …

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Was the ATM a disruptive innovation?

by Bernardo Batiz-Lazo — Professor of Business History, Bangor University

Since its introduction, it's become an integral part of the payments ecosystem and the second most important banking channel after the branch. It that…

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Call in the payments cavalry: When ATMs came charging in to Cyprus rescue

by Bernardo Batiz-Lazo — Professor of Business History, Bangor University

The events of the banking bailout in Cyprus immediately generated global media attention. They certainly didn’t go unnoticed by ATM and payment industry…

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Branchless banking before the Internet

by Bernardo Batiz-Lazo — Professor of Business History, Bangor University

For most of the last century, banks in Europe and North America have sought alternatives to brick-and-mortar branches for the delivery of retail financial…

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