Organisational change and the computerisation of British and Spanish savings banks, circa 1965-1985
Bernardo Batiz-Lazo and
J. Carles Maixé-Altés ()
MPRA Paper from University Library of Munich, Germany
In this article we explore organisational changes associated with the computarization of British savings banks while making a running comparison with developments in Spain. This international comparison addresses the evolution of the same organisational form in two distinct competitive environments in the late 20th century. Changes in regulation and technological developments (particularly applications of information technology) are said to be responsible for enhancing competitiveness of retail finance. Archival research on the evolution of savings banks helps to ascertain how, prior to competitive changes taking place, participants in bank markets had to develop capabilities to compete. Moreover, assess the response of collaborative agreements to opportunities opened by technological change (in particular resolve apparent scale disadvantages to contest bank markets). Of particular interest are choices made between applications of computer technology to redefine the relation between head office and retail branches as well as between staff at retail branches and customers.
Keywords: comparative financial markets; United Kingdom; Spain; market structure; technological change; regulatory change; savings banks; banks; TSB; cajas de ahorro (search for similar items in EconPapers)
JEL-codes: N20 O33 N84 (search for similar items in EconPapers)
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