Bernardo Batiz-Lazo
Bátiz-Lazo is Departmental Chair in Business History and Bank Management at Bangor University, Wales. He has written about ATMs for publication, been a guest on BBC Radio, and spoken at the Federal Reserve Bank of Kansas City and the ATMIA conference. wwwView Bernardo Batiz-Lazo's profile on LinkedIn

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

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 — from the make and model of the device to its location and the security of the transactions it performs.

Was the ATM a disruptive innovation?

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 disruptive enough?

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

The events of the banking bailout in Cyprus immediately generated global media attention. They certainly didn’t go unnoticed by ATM and payment industry specialists. Recent research by Cypriot academics, Leonidas Efthymiou and Sophia Michael (both at Intercollege Larnaca) makes you...

Branchless banking before the Internet

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 services. This reflected a desire for cost savings, and also a wish to pre-empt disruptive innovations....

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