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Bernardo Batiz-Lazo 🇲🇽🇬🇧🇪🇺

@batizlazo.bsky.social

98 followers 130 following 22 posts

F@RoyalHistSoc F@AcadSocSciences #BizHis of banking #cashless #payments #fintech. "Invaded" UK 1994 Escrbo @Arena_Publica ✍️ @NewBooksNetwork host. 🎙️(el/him)

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Bernardo Batiz-Lazo 🇲🇽🇬🇧🇪🇺 @batizlazo.bsky.social · Jul 4

@djmontano.bsky.social please DM me

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Andrew Perchard @andrewperchard.bsky.social · Jul 4

CFP for Business and Industrial History 2026 edition. We welcome submissions from a broad community of archivists and researchers in the field. Please get in touch if you have an idea you’d like to discuss with the editorial collective.

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2026 Issue: Call for Papers | Business and Industrial History: A Journal of Archival Research

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Andrew Perchard @andrewperchard.bsky.social · Jul 4

New & OA: The latest issue of the relaunched Business and Industrial History (previously Scottish Business and Industrial History): Whisky Business: Regulating and Recording the Whisky Industry.

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Vol. 34 (2025): Business and Industrial History: A Journal of Archival Research | Business and Industrial History: A Journal of Archival Research

journals.gla.ac.uk

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Bernardo Batiz-Lazo 🇲🇽🇬🇧🇪🇺 @batizlazo.bsky.social · May 28

Credit Card Rewards

It’s always nice to see your work recognised—thank you to Juliana Kaplan from Business Insider for including my perspective in her latest piece on credit card rewards and consumer behaviour. A timely topic, and one that continues to evolve. Of course, you can also read my take…

Credit Card Rewards

It’s always nice to see your work recognised—thank you to Juliana Kaplan from Business Insider for including my perspective in her latest piece on credit card rewards and consumer behaviour. A timely topic, and one that continues to evolve. Of course, you can also read my take on rewards here

cashlesssociety.wordpress.com

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Bernardo Batiz-Lazo 🇲🇽🇬🇧🇪🇺 @batizlazo.bsky.social · May 22

Scan, Pay, Boom! How QR Payments Took Over—And Where They’re Failing

QR code payments have become a defining symbol of the cashless economy. Easy to recognise and simple to use, these matrix barcodes allow users to pay instantly by scanning with a smartphone. By 2025, more than 40 countries have…

Scan, Pay, Boom! How QR Payments Took Over—And Where They’re Failing

QR code payments have become a defining symbol of the cashless economy. Easy to recognise and simple to use, these matrix barcodes allow users to pay instantly by scanning with a smartphone. By 2025, more than 40 countries have launched QR payment systems, either through central banks, private platforms, or a mix of both. However, despite this broad geographical reach, very few countries have seen these systems flourish at scale.

cashlesssociety.wordpress.com

Bernardo Batiz-Lazo 🇲🇽🇬🇧🇪🇺 @batizlazo.bsky.social · May 21

Why Fintech Needs Poets

At first glance, it might seem surprising to hear Robert Goldstein, COO of BlackRock, praising the value of English and history graduates. But for those paying attention to the direction of fintech and payments, it feels less like a revelation and more like a long-overdue…

Why Fintech Needs Poets

At first glance, it might seem surprising to hear Robert Goldstein, COO of BlackRock, praising the value of English and history graduates. But for those paying attention to the direction of fintech and payments, it feels less like a revelation and more like a long-overdue acknowledgement. Goldstein’s recent remarks—voicing “more and more conviction” in hiring people from the humanities—cut across the well-worn narrative that only STEM subjects matter, especially in industries shaped by algorithms, data, and digital infrastructure.

cashlesssociety.wordpress.com

Bernardo Batiz-Lazo 🇲🇽🇬🇧🇪🇺 @batizlazo.bsky.social · May 16

Taxing Love, Labour and Loyalty: How Remittances Challenge Trump’s Neo-Mercantilism

As in 2016, the Trump administration once again floated the idea of taxing remittances sent from the United States to foreign countries, proposing a 5% levy on outbound transfers. While politically framed as a…

Taxing Love, Labour and Loyalty: How Remittances Challenge Trump’s Neo-Mercantilism

As in 2016, the Trump administration once again floated the idea of taxing remittances sent from the United States to foreign countries, proposing a 5% levy on outbound transfers. While politically framed as a measure to "protect American interests," this idea resurrects a mercantilist logic that sits uneasily with the realities of modern cross-border payment systems and the lives of migrant workers.

cashlesssociety.wordpress.com

Bernardo Batiz-Lazo 🇲🇽🇬🇧🇪🇺 @batizlazo.bsky.social · May 15

The Price of Going Cashless: Privacy and Resilience at Risk

This week’s revelations from Publimetro are a sobering reminder of the fragile underpinnings of a fully digital financial ecosystem. The report alleges that databases held by banks, Mexico’s tax authority (SAT), and even the national…

The Price of Going Cashless: Privacy and Resilience at Risk

This week’s revelations from Publimetro are a sobering reminder of the fragile underpinnings of a fully digital financial ecosystem. The report alleges that databases held by banks, Mexico’s tax authority (SAT), and even the national electoral institute (INE) were being offered for sale on a hacker forum—for as little as $5,000. It’s a striking example of the systemic vulnerabilities that arise when cash disappears and data becomes currency.

cashlesssociety.wordpress.com

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Bernardo Batiz-Lazo 🇲🇽🇬🇧🇪🇺 @batizlazo.bsky.social · May 9

Beyond Convenience: Why the Cash Debate Is About Resilience, Not Just Rights

The idea that shops in the UK could be required to accept cash has sparked a diverse response across the political and media spectrum (see table below)—but one thing is clear: this isn’t just about protecting vulnerable…

Beyond Convenience: Why the Cash Debate Is About Resilience, Not Just Rights

The idea that shops in the UK could be required to accept cash has sparked a diverse response across the political and media spectrum (see table below)—but one thing is clear: this isn’t just about protecting vulnerable people, though that in itself is reason enough. It’s about ensuring that everyone retains the right to choose how they pay—whether with coins, cards, or a mobile tap.

cashlesssociety.wordpress.com

Bernardo Batiz-Lazo 🇲🇽🇬🇧🇪🇺 @batizlazo.bsky.social · May 7

Palm Reading for Payments: China’s Biometric Leap and the Legal Maze Ahead

In May 2023, WeChat made headlines by introducing one of the first significant rollouts of palm-vein payment technology. Debuting in Beijing’s Daxing Airport Express line and several university dining halls in Shenzhen and…

Palm Reading for Payments: China’s Biometric Leap and the Legal Maze Ahead

In May 2023, WeChat made headlines by introducing one of the first significant rollouts of palm-vein payment technology. Debuting in Beijing’s Daxing Airport Express line and several university dining halls in Shenzhen and Shanghai, WeChat Palm Pay allows users to pay simply by hovering their hand over a scanner. By the end of 2023, Tencent reported over ten thousand palm-scanning terminals had been installed across restaurants, vending machines, metro stations, and retail outlets in select Chinese cities.

cashlesssociety.wordpress.com

Bernardo Batiz-Lazo 🇲🇽🇬🇧🇪🇺 @batizlazo.bsky.social · May 3

Attempting to hack / Ignoren

Bernardo Batiz-Lazo 🇲🇽🇬🇧🇪🇺 @batizlazo.bsky.social · Apr 30

When Digital Fails: Why Cash Still Matters in a Resilient Payments Ecosystem

As regulators, fintechs, and central banks inch or giant-leap towards the ideal of a "cashless society", the conversation has rightly focused on consumer choice while conveniently side-stepped issues of cost transparency.…

When Digital Fails: Why Cash Still Matters in a Resilient Payments Ecosystem

As regulators, fintechs, and central banks inch or giant-leap towards the ideal of a "cashless society", the conversation has rightly focused on consumer choice while conveniently side-stepped issues of cost transparency. But beyond these valid points lies a more fundamental issue: resilience. The digital payments infrastructure that underpins modern commerce is efficient—until it isn’t. It has been designed to support far higher volumes than cash ever could.

cashlesssociety.wordpress.com

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Nat Dyer @natjdyer.bsky.social · Apr 30

Here it is, Bernardo:

newbooksnetwork.com/ricardos-dream

Nat Dyer, "Ricardo’s Dream: How Economists Forgot the Real World and Led Us Astray" (Bristol UP, 2024) - New Books Network

newbooksnetwork.com

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Bernardo Batiz-Lazo 🇲🇽🇬🇧🇪🇺 @batizlazo.bsky.social · Apr 28

Slow and Steady Wins the Race: ATMs, Tuvalu, and the Digital Dream

Chapter 2 of Cash and Dash (Bátiz-Lazo, 2018) offers a timely reminder that major financial innovations often took years — even decades — to establish themselves. Far from being instant game-changers, technologies like the ATM…

Slow and Steady Wins the Race: ATMs, Tuvalu, and the Digital Dream

Chapter 2 of Cash and Dash (Bátiz-Lazo, 2018) offers a timely reminder that major financial innovations often took years — even decades — to establish themselves. Far from being instant game-changers, technologies like the ATM spread unevenly, tangled in local infrastructure challenges, regulatory caution, and a general sense of “wait and see.” First Adoption of Cash Machines in Selected Countries (1967-1980)

cashlesssociety.wordpress.com

Bernardo Batiz-Lazo 🇲🇽🇬🇧🇪🇺 @batizlazo.bsky.social · Apr 23

Swipe, Reward, Repeat: Could Loyalty Programs Falter in a Tariff Downturn?

As we brace for a potential recession, the future of credit card rewards and points programs hangs in the balance. How will these perks evolve in an economic downturn? That was the super interesting question that I recently…

Swipe, Reward, Repeat: Could Loyalty Programs Falter in a Tariff Downturn?

As we brace for a potential recession, the future of credit card rewards and points programs hangs in the balance. How will these perks evolve in an economic downturn? That was the super interesting question that I recently discussed with Juliana Kaplan from Business Insider. From an international payments systems perspective, credit card rewards programmes have long been a strategic tool for issuers to drive customer acquisition and retention.

cashlesssociety.wordpress.com