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Appears in Collections:Management, Work and Organisation Journal Articles
Peer Review Status: Refereed
Title: For all intents and purposes: Depositor behaviour and strategy in a London savings bank
Author(s): Perriton, Linda
Henderson, Stuart
Keywords: Savings Banks
Savings Behaviour
Issue Date: 28-Sep-2020
Citation: Perriton L & Henderson S (2020) For all intents and purposes: Depositor behaviour and strategy in a London savings bank. Enterprise and Society.
Abstract: In this paper, we offer an alternative to class-based studies of saving behaviour by using individual-level ledger records from accounts opened in 1830 in the Limehouse Savings Bank, London. Our analysis suggests that such banks banks served a valid financial purpose for a much wider constituency of savers than the targeted ‘industrious poor’. True gaming of the system by the middle classes appears to be relatively limited, and instead depositors were using accounts for a variety of means and motivations. We suggest that the contemporary consternation around class was misplaced, and that we can better understand and predict depositor behaviours through analysis of transaction data.
DOI Link: 10.1017/eso.2020.48
Rights: This article has been published in a revised form in Enterprise and Society This version is published under a Creative Commons CC-BY-NC-ND. No commercial re-distribution or re-use allowed. Derivative works cannot be distributed. © The Author(s) 2020. Published by Cambridge University Press on behalf of the Business History Conference.
Notes: Output Status: Forthcoming/Available Online
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