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

This paper aims to map the negotiation mechanisms used by Banco Palmasin order to make Palmas Digital possible as a community digital bankin the Conjunto Palmeiras’ neighbourhood, state of Ceará,Brazil. Palmas Digital represents an alternative way to offerfinancial services in a network of community banks that was enabled bya digital payment platform called e-Dinheiro. Using a multilevelframework model proposed in Pozzebon & Diniz (2012), we seek tounderstand the interplay between different actors and technologicalartefacts in order to understand the "technology-in-practice", conceptdefined by Orlikowski (2000). The multilevel framework model was builtto understand social consequences of information and communicationtechnologies (ICT) interactions at a community level.