Policy, values and EFT research: anatomy of a research agenda
Pages 841 - 853
Abstract
In its Final Report of February 1977, the National Commission on Electronic Fund Transfers (NCEFT) defined EFT as:
"... a payments system in which the processing and communications necessary to effect economic exchange, and the processing and communications necessary for the production and distribution of services incidental or related to economic exchange, are dependent wholly or in large part on the use of electrons."
References
[1]
"A retreat from the cashless society," Business Week, April 18, 1977, pp. 80--90.
[2]
Arthur D. Little, Inc., The Consequences of Electronic Funds Transfer: A Technology Assessment of Movement Toward a Less Cash/Less Check, Rep. C-76397, Cambridge, Mass., January 1975.
[3]
Balderston, F. E., Carman, J. and Hoggatt, A. "Computers in Banking and Marketing," Science 195, March 18, 1977, pp. 1115--1118.
[4]
Benton, J., "Electronic funds transfer: pitfalls and payoffs," Harvard Business Rev. 55, July-August 1977, pp. 16--19, 28--29, 164--173.
[5]
Boucher, W. I., A Comment on EFT Research: Five Tries and a Start, Working Paper No. PPR-7704, Public Systems Evaluation, Inc., Cambridge, Mass., 1976.
[6]
Budd, G. and Hamilton, E., "The Economics of the Payments Mechanism," unpublished article, 1976.
[7]
Coates, J. F., Cox, E. B., and Reistad, D. L., "Monitoring EFT in Evolution," in Colton, K. and Kraemer, F., Computers and Banking, Pleneum Publishing Corporation, 1980.
[8]
Colton, K. and Kraemar, K., Computers and Banking: Electronic Funds Transfer Systems and Public Policy, Pleneum Publishing Corporation, New York, 1980.
[9]
Colton, K., "EFT and the Process of Change," in Colton, K. and Kraemer, K., Computers and Banking, Pleneum Publishing Corporation, 1980.
[10]
Cox, E. B. and Giese, P., "Now it's the less-check society," Harvard Business Rev. 50, November-December 1972, pp. 6--18.
[11]
Ege, S. M., "Electronics funds transfer: A survey of problems and prospects in 1975," Maryland Law Rev. 35, 1, 1975, pp. 3--56.
[12]
Eisenbeis, R. A. and Wolkowitz, B., "Sharing and Access Issues," The Banker's Magazine, 162, 2, March-April 1979.
[13]
Ellul, J., The Technological Society, Knopf, New York, 1974.
[14]
Federal Reserve Bank of Boston, "The economics of a national electron funds transfer system," Conf. Ser. No. 13, Boston, Mass., October 1974.
[15]
Fisher, J. F., "EFT---The Decade of the 1980's: New Concepts for the World of Banking," The Banker's Magazine, 162, 2, March-April 1979, pp. 21--24.
[16]
Freeman, D., Technology and Society: Issues in Assessment, Conflict and Choice, Rand McNally, Chicago, Ill., 1974.
[17]
Hiltz, S. R. and Turoff, M., "EFT and social stratification in the USA: More inequality?" Telecommunications Policy 2, March 1978, pp. 22--31.
[18]
Hoffman, L., Modern Methods for Computer Security and Privacy, Prentice-Hall, Englewood-Cliffs, N.J., 1977.
[19]
Horan, T. F., "Outlook for EFT Technology," in Colton, K. and Kraemer, K., Computers and Banking, Pleneum Publishing Corporation, 1980.
[20]
Humes, K. H., "The Checkless/Cashless Society? Don't Bank on It!" The Futurist, October 1978, pp. 301--306.
[21]
Johnson, H. G. and Arnold, E. C., "Preparing for EFT," The Bankers Magazine, 162, 2, March-April 1979, pp. 43--45.
[22]
Kaufman, G., Money, the Financial System, and the Economy, Rand McNally, Chicago, Ill., 1973.
[23]
King, J. and Kraemer, K., "Electronic funds transfer as a subject of study in technology, society and public policy," Telecommunications Policy 2, 1, March 1978, pp. 13--21.
[24]
Kling, R., "Passing the digital buck: Unresolved social and technical issues in electronics funds transfer systems," TR #87, Inform, and Comptr. Sci. Dept., U. of California, Irvine, Calif., June 1976.
[25]
Kling, R., "EFTS: social and technical issues," Computers and Society 7, 3, Fall 1976, pp. 3--10.
[26]
Kling, R., "Six models for the social accountability of computing," Computers and Society 9, 1, Summer 1978.
[27]
Kling, R., "Information systems and policy making: Computer technology and organizational arrangements," Telecommunications Policy 2, 6, March 1978, pp. 22--32.
[28]
Kling, R., "EFT and the quality of life," Proc. AFIPS 1978 NCC, Vol. 47, AFIPS Press, Montvale, N.J., pp. 191--197.
[29]
Kling, R., "Value Conflicts and Social Choice in Electronics Funds Transfer System Developments," Communications of the ACM 21, 8, August 1978, pp. 642--657.
[30]
Kohn, S. J., "Managing the EFT Decision," The Banker's Magazine, 162, 2, March-April 1979, pp. 25--32.
[31]
Kraemer, K. L., King, J. L., and Colton, K. C., "Towards an Agenday for EFT Research," Computers and Society 8, 2, Summer 1977, pp. 3--11.
[32]
Leary, F. Jr., O'Reilly, K., and Palmer, H. M., "Discussions of papers," by K. Humes, S. R. Hiltz and M. Turoff, Working Paper No. PPR-7709, Public Systems Evaluation, Inc., Cambridge, Mass., 1976.
[33]
Lipis, A., "Costs of the Current U.S. Payment System," in Colton, K. and Kraemer, K., Computers and Banking, Pleneum Publishing Corp., 1980.
[34]
Louderback, P. D., "Status of EFT: An Assessment of Services and a Review of EFT in the Fifty States," in Colton, K. and Kraemer, K., Computers and Banking, Pleneum Publishing Corporation, 1980.
[35]
National Commission on Electronic Fund Transfers, "EFT and the Public Interest," U.S. Gov't. Printing Office, Washington, D.C., February 1977.
[36]
National Commission on Electronic Fund Transfers, "EFT in the United States: Policy Recommendations and the Public Interest," U.S. Gov't. Printing Office, Washington, D.C., October 1977.
[37]
Nilson, H. D., "The Future of Credit Cards," The Bankers Magazine, 162, 2, March-April 1979, pp. 54--60.
[38]
Parker, D. B., Crime by Computer, Scribners, New York, 1976.
[39]
Pastore, S., "EFT and the Consumer," The Bankers Magazine 162, 2, March-April 1979, pp. 35--42.
[40]
Peat, Marwick, Mitchell and Co., EFT: A Strategy Perspective, Peat, Marwick, Mitchell and Co., New York, 1977.
[41]
Portway, P. S., "EFT systems? No thanks, not yet," Computerworld 12, 2, January 9, 1978, pp. 14--16, 21, 23--25.
[42]
Privacy Protection Study Commission, "Personal Privacy in an Information Society," U.S. Gov't. Printing Office, Washington, D.C., July 1977.
[43]
Prives, D., "The Explosion of State Laws on Electronic Fund Transfer Systems," P-76-1, Prog. Inform. Technologies and Public Policy, Harvard U., Cambridge, Mass., 1976.
[44]
Richardson, D. W., Electric Money: Evolution of an Electronic Funds Transfer System, M.I.T. Press, Cambridge, Mass., 1970.
[45]
Rose, S., "More Bang for the Buck: The Magic of Electronic Banking," Fortune 95, 5, 1977, pp. 202--226.
[46]
Rossman, L. W., "Financial industry sees EFT privacy laws adequate," American Banker CXLI, 210, October 28, 1976, pp. 1, 11.
[47]
Rule, J., Private Lives and Public Surveillance, Schocken Books, New York, 1974.
[48]
Rule, J., "Value Choices in Electronic Funds Transfer Policy," Office of Telecommunications Policy, Executive Office of the President, Washington, D.C., October 1975.
[49]
Sayre, K. (ed.), Values in the Electric Power Industry, U. of Notre Dame Press, Notre Dame, Ind., 1977.
[50]
"The time is NOW," Forbes Magazine 120, 1, July 1, 1977, pp. 61--62.
[51]
Turoff, M. and Mitroff, I., "A case study of technology assessment applied to the cashless society concept," Technol. Forecasting Soc., Change 7, 1975, pp. 317--325.
[52]
U.S. Dept. HEW, Secretary's Advisory Committee on Automated Personal Data Systems, Records Computers, and the Rights of Citizens, Washington, D.C., 1973.
[53]
Weizenbaum, J., Computer Power and Human Reason, Freeman, San Francisco, 1976.
[54]
Westin, A. and Baker, M., Databanks in a Free Society, Quadrangle Books, New York, 1972.
[55]
Winner, L., Autonomous Technology: Technology Out-of Control as a Theme in Political Thought, M.I.T. Press, Cambridge, Mass., 1977.
- Policy, values and EFT research: anatomy of a research agenda
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Published In
May 1980
932 pages
ISBN:9781450379236
DOI:10.1145/1500518
Copyright © 1980 ACM.
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Published: 19 May 1980
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