A digital community bank: mapping negotiation mechanisms in its consolidation as an alternative to commercial banks

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.