Las cajas de ahorro y el cambio tecnológico antes de Internet, 1945-1995

Technological change in Spanish Savings Banks before Internet, 1945-1995

J. Carles Maixé-Altés

MPRA Paper from University Library of Munich, Germany

Abstract: Technical advances in retail banking have had profound repercussions for the competitiveness of individual firms and for the sector as a whole. This paper looks at the role played by new technological resources within the context of organizational change and the products and services offered by Spanish savings banks. These entities constitute an excellent case study, given that they have been incorporating technology intensively, particularly since the 1960’s. In the case in question, persistence had little influence on the process of technological change. However, the mechanization of operations, the computerization of administrative systems and the establishment of data transfer networks were all exceptional and premature in the way in which they developed. It was the banking industry, prior to other sectors that stimulated the demand for certain technologies, which was somewhat idiosyncratic when compared to other countries.

Keywords: productivity; retail banking; savings banks; technological change; Spain; Europe (search for similar items in EconPapers)
JEL-codes: G21 N24 N84 O33 (search for similar items in EconPapers)
Date: 2012-02
New Economics Papers: this item is included in nep-his and nep-ict
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