A digital community bank: mapping negotiation mechanisms in its consolidation as an alternative to commercial banks
Eurídice Gomes da Silva Hernandes*, Erica Souza Siqueira**, Eduardo Henrique Diniz**, Marlei Pozzebon***
* EAESP/ Fundação Getúlio Vargas, Brasil. Email: euridicehernandes@gmail.com
** EAESP/ Fundação Getúlio Vargas, Brazil.
*** HEC Montréal; Canada & EAESP/ Fundação Getúlio Vargas; Brazil
Abstract
This paper aims to map the negotiation mechanisms used by Banco Palmas in order to make Palmas Digital possible as a community digital bank in the Conjunto Palmeiras’ neighbourhood, state of Ceará, Brazil. Palmas Digital represents an alternative way to offer financial services in a network of community banks that was enabled by a digital payment platform called e-Dinheiro. Using a multilevel framework model proposed in Pozzebon & Diniz (2012), we seek to understand the interplay between different actors and technological artefacts in order to understand the “technology-in-practice”, concept defined by Orlikowski (2000). The multilevel framework model was built to understand social consequences of information and communication technologies (ICT) interactions at a community level.
Keywords
Community Bank; Social Currency; Digital Platform; Mobile Payment; Digital Payment; Fintech
To cite this article: Gomes da Silva Hernandes, E., E. Souza Siqueira, E. Henrique Diniz, M. Pozzebon (2018) ‘A digital community bank: mapping negotiation mechanisms in its consolidation as an alternative to commercial banks’ International Journal of Community Currency Research 2018 Volume 22 (Summer) 56-70 <www.ijccr.net> ISSN 1325-9547. DOI http://dx.doi.org/10.15133/j.ijccr.2018.016
IJCCR 