Purpose: The purpose of this paper is to explore practitioner and academic conceptualisations about what drives individuals (who are the target of financial inclusion efforts) to adopt and use financial services. It compares this with individual’s personal subjectivities to understand how the...

The automatic teller machine (ATM) will be for the foreseeable future the dominant mode of access to cash for those living in industrialized societies. In this article we present the ATM as a political site where a multiplicity of relationships-primarily but not exclusively between the customer...