Organisational change and the computerisation of british and spanish savings banks 1965 2005
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Organisational change and the computerisation of British and Spanish savings banks, 1965-2005. J. Carles Maixé-Altés and Bernardo Bátiz-Lazo U niversidad de A Coruña - Spain Bristol Business School - UK. EBHA 2006 WORK IN PROGRESS. DO NOT QUOTE.

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Organisational change and the computerisation of British and Spanish savings banks, 1965-2005

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Organisational change and the computerisation of british and spanish savings banks 1965 2005

Organisational change and the computerisation of British and Spanish savings banks, 1965-2005

J. Carles Maixé-Altés andBernardo Bátiz-Lazo

Universidad de A Coruña - SpainBristol Business School - UK

EBHA 2006

WORK IN PROGRESS. DO NOT QUOTE

Material for ‘BANCA’ students - Master in Banking & Finance

University of A Coruña

Spain

Prof. Dr. J. Carles Maixé-Altés


Summary

Summary

  • Our aim

    • To present findings to date (this is very much research in progress!)

    • Explore the potential attractiveness of mechanization (including the use of computers) within the move from a retail branch-based organizations to M-form.

  • Research to date involves

    • Organisational changes associated with the automation of financial intermediaries in Spain and the UK.

    • A international comparison in two distinct competitive environments of a successful and an unsuccessful group of savings banks.

    • Archival research on the evolution of savings banks helps to ascertain how participants in bank markets developed capabilities to compete.


Early computing at the trustee savings banks

Early computing at the Trustee Savings Banks

  • Computers TSB: manual operations until 1967 then23 English TSB - use bureau service offered by Post Office (four ICL 4 equipped centres)

  • 4 largest Scottish TSB - 33joint purchase of Burroughs equipment

  • TSB Computer Services is established in 1972 (brings in house former bureau service)

  • By 1982 the TSB has the most advanced database of client information in the UK

  • But in spite of high level of computerization, the share of the retail banking remained low


Iii spanish confederation of savings banks ceca and tecnological change

III. Spanish Confederation of Savings Banks (CECA) and tecnological change

  • Competitive collaboration transformed shared experiences,and in turn, the creation of critical mass to effectively contest bank markets

  • The corner stone of technological change and market contestability in Spanish savings banks was CECA’s Organization, Automation and Service commission (COAS)


Atm networks in spain 1984 90

ATM networks in Spain (1984-90)

  • The idea of a computer link was one of COAS’ strategic principles since the early 1970s.

  • An example of the implementation of this principle was facilitating scale to individual

  • savings banks by creating networks of payment systems around CECA.

  • Notable examples include ATMs and EFTPOS from 1980 onwards.

Source: CECA and Tirado and Nieto (1991), pp. 121-22.


Savings banks atms in spain 1986 2000

Savings Banks ATMs in Spain (1986-2000)


Debit and credit cards in spain 1989 2004

Debit and Credit Cards in Spain (1989-2004)


Adoption of it applications in spanish savings banks 1968 2005

Adoption of IT applications in Spanish savings banks (1968-2005)


Organisational change and the computerisation of british and spanish savings banks 1965 2005

Cajeros automáticos en España y Reino Unido (1984-2005)

Fuentes: CECA, AEB, Bátiz-Lazo y Maixé-Altés (2006) y Bátiz-Lazo (2007) (*= 2003)


Conclusion

Conclusion

  • Competitive collaboration can enable the creation of inter-organisational processes and procedures to distribute otherwise inaccessible information.

  • How similar/different was the process of transformation from retail branch-based system to an M-form organization in UK and Spanish savings banks?

    • What was the role of CECA and the TSB regional boards?

    • To what extent did computer technology facilitate migration?

    • What was the role of financial (i.e. accounting) information to determine performance?


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