Bangor Business School

Professor Bernardo Batiz-Lazo

Division: Business Studies

Location: Room 0.02, Hen Goleg

Telephone: 01248 38 8349


Brief Biogrpahy

Bernardo is Professor of Business History and Bank Management at Bangor University and a Fellow of the Royal Historical Society. He read economics (at ITAM, Mexico and Autonoma de Barcelona, Spain), history (Oxford) and received a doctorate in business administration (Manchester Business School). He has been studying financial markets and institutions since 1988. He joined Bangor after appointments at Leicester, Open University and Queen´s Belfast.

Bernardo was elected to the council of the Association of Business Historians, Outreach Committee of the Business History Conference, is a member of the ESRC Peer Review College, and member of the editorial boards of various traditional outlets (Business History, Journal of Management History, Economic History of Developing Regions, International Journal of Bank Marketing, Quest - Indian Journal of Management and Research, and Cuadernos Empresariales).

Since 1998 he edits a weekly report on new working papers in business, economic and financial history (NEP-HIS). Click here to see past papers and to search the archives, or visit the NEP-HIS blog.

Some signs of the impact of his research include his contribution on the cashless society to the Bloomberg blog and that he is consistently ranked within the top 5 percent of over 32,000 authors registered at RePEc (a digital library that carries information on 1,000 journals and 300,000 working papers). He averages over 1,000 files views and 300 paper downloads per month. He has delivered invited presentations in the USA (e.g. Federal Reserve Bank of Kansas City), Europe (e.g. Copenhagen Business School), the Middle East (e.g. Iranian Accounting Association) and Asia (e.g. Kobe University). More recently, he was Visiting Professor of Business Histoy at Universitat Pompeu Fabra (Barcelona).

Signs of Impact

ATM Market Place
ATMs lose their charm in Chile (December 19, 2014, with Juan Felipe Espinosa) (link)
Branchless banking before the Internet (link)
How ATMs Revolutionised Retail Banking Part I (link)
How the ATM revolutionized retail banking part II: Diebold Inc. (link)

The Atlantic
'A brief history of the ATM: How automation changed retail banking’ (Object Lessons, March 26 2015) (link)

The Conversation
'Cash remains king in Chile but its days are over', The Conversation (UK) (March 25, 2015)
Reprinted in the World Economic Forum’s Agenda blog (link)

Bloomberg's Echoes blog
How ATM's Revolutionised Retail Banking (link)
Visions of a Cashless Society (link)

Selected Media Interviews

  1. Jon Sopel in Global (BBC News World Service) (July 24, 2013).
  2. The Smithsonian Magazine - “The ATM is dead. Long live the ATM!”, Smithsonian Magazine (January 8, 2015)
  3. Sean Moncrieff in Afternoon (NewsTalk 106-108 FM, Ireland) (April 1, 2015).


Undergraduate Teaching:

  • Globalization and Multinational Corporation (ASB-3117)
  • Co-ordinator of dissertations (ASB-3412)
  • History of Management Thought (ASB-2511)

Postgraduate Teaching:

  • Contemporary Issues in Management (ASB-4426)

Research Interests

My intellectual contribution has been to demonstrate the long term nature of technological innovation (with the potential to modify competitive intensity and to articulate diversification strategies) in retail banking.

Keywords: Depositary institutions (Savings banks, cajas, TSB, building societies), appropiation of computer technology, cash dispensers (ATM), comparative business history (UK, Spain, Mexico), accounting history.

Selected Publications

  • Bátiz-Lazo, B., and Smith, A. (forthcoming) ‘The changing industrial organization of epistemic communities during Hon Kong’s transition to a cashless society (1965-2005)’, IEEE Annals in the History of Computing (Special Issue on Computing in South East Asia).
  • Bátiz-Lazo, B., Eskandari, R. and Goddard, J. (forthcoming) ‘Online publishing and citation success in the business and economic history of Spain, 1997-2011’, Investigaciones de Historia Económica.
  • Bátiz-Lazo, B., Karlson, T. and Thodenius, B. (2014) ‘The origins of the cashless society: Cash dispensers, direct to account payments and the development of on-line, real-time networks, c. 1965-1985’, Essays in Economic and Business History (EEBH), vol. 32, pp. 100-137winner of the first “James Soltow Award for Best Paper” published in EEBH.
  • Bátiz-Lazo, B. and Noguchi, M. (2014) 'Disciplining building societies by accounting-based regulation, circa 1960', British Accounting Review, vol. 46, no. 1, pp. 1-17.
  • Bátiz-Lazo, B., Haigh, T. and Stearns, D. L. (2014) ‘How the future shaped the past: The case of the cashless society’, Enterprise & Society, vol. 15, no. 1, pp. 103-131.
  • Bátiz-Lazo, B. (2013) ‘Direct Line Insurance: A case study on telephone banking and its impact on the competitive performance of the Royal Bank of Scotland, 1985-1995’, Zeitschrift für Unternehmensgeschichte/The Journal of Business History 18: 54-72.
  • Bátiz-Lazo, B. and Noguchi, M. (2013) ‘Auditors and the supervision of retail finance: Evidence from two small-sized building societies, 1977-1978’, Accounting History 18 (1): 77-97.
  • Bátiz-Lazo, B. (2013) ‘The adoption of US-style business education in Mexico, 1945-2005’, América Latina en la Historia Económica, vol. 20, num. 1 (Jan-Apr), 158-198.
  • Harper, T. M. and Bátiz-Lazo, B. (2013) Cash Box: The Invention and Globalization of the ATM, NetWorld Media Group and ATM Industry Association, Lousville, KY.
  • Bátiz-Lazo, B. (2012) ‘Linking history and management discourse: epistemology and method’, Business Archives 105 (November): 10-18.
  • Bátiz-Lazo, B. and Krichel, T. (2012) ‘A brief business history of an on-line distribution system for academic research called NEP, 1998-2010’, Journal of Management History, vol. 18, no. 4, pp. 445-468.
  • Bátiz-Lazo, B., Hernández Borreguero, J.J., Maixé-Altés, J.C. and, Núñez Torrado, M. (2012) ‘Adoption and diffusion of double entry bookkeeping in Mexico and Spain: A related but under-investigated development ’, América Latina en la Historia Económica, vol. 19, no. 3, pp. 164-205 (39 – Sept. Dec.)
  • Bátiz-Lazo, B. and Billings, M. (2012) ‘Accounting regulation and management discretion – a case note’, Abacus, vol. 48, no. 3 (Sept-Dec), pp. 164-205.
  • Bátiz-Lazo, B. and Billings, M. (2012) ‘New perspectives on not-for-profit financial institutions: organizational form, performance and governance’, Business History, vol. 54, no. 3 (June), pp. 309-324.
  • Bátiz-Lazo, B. and Haigh, T. (2012) ‘Engineering change in Mexico: The appropriation of computer technology at Grupo ICA (1965-1971)’, IEEE Annals in the History of Computing, vol. 34, no. 2, pp. 3-16.
  • Bátiz-Lazo, B. and Maixé-Altés, J. C. (2011) ‘Managing technological change by committee: the adoption of computers in Spanish and British savings banks (circa 1960-1988)’, Revista de Historia Industrial 47(November), pp. 117-150.
  • Bátiz-Lazo, B. and Reid, R. J. K. (2011) ‘The development of cash dispenser technology in the UK’, IEEE Annals in the History of Computing , vol. 33, no. 3 (Jul-Sep), pp. 1-15.
  • Bátiz-Lazo, B.; Maixé-Altés, J. C. and Thomes, P. (eds.) (2011) Technological Innovation in Retail Finance: International Historical Perspectives, London: Routledge. ISBN 978-0-415-88067-1.

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