Innovation in banking should be directed at improving the
infrastructure that fosters efficient financial services and
international trade. In this work, innovation theory is used to
show how modern payment systems have transformed the technology of
banking and facilitated changes in the strategy and structure of
financial services organisations. Design, implementation and
dissemination of payment systems are described and the analysis of
their costs and benefits is combined with case studies of banks
undergoing change. By studying firm capabilities, competencies, and
resources, the approach is extended to services in general and
linked to the ability of firms to compete and promote national
economies. Payment systems vary and advanced and developing
economies face obstacles in their legal and technical
infrastructure, and maturity of banks. By adopting an international
perspective, the book offers a unique comparative analysis that
shows what kind of investments are likely to be effective.
General
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