Dawn of the Open-All-Hours Banking Interface, AKA the ATM, a Finance World Game–Changer

Posted on by Wolfgang Childerglas
Financial history, New Technology,, Society & Culture

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ALTHOUGH computerised ATM machines didn’t emerge as a mainstream feature of the urban landscape until the 1970s and 1980s, the first Automated Teller Machine was opened as early as 1967. Barclays Bank introduced the ur-ATM machine (branded as Barclaycash) which was located at its Enfield Town, London, branch, with popular 1960s TV comedy actor Reg Varney (above, performing the “celebrity opening”) selected in the role as “Customer No 1”. Designed by John Shepherd-Barron, the DACS machine lacked one essential ingredient of the modern ATM – no magnetic plastic card! Instead, customers inserted a cheque-like token impregnated with a radioactive compound which when matched with the customer’s ID dispensed money (initially limited to a maximum of £10).

Barclaycash (Source: deccanchronicle.com)

The need for ATMs grew out of the service limitations of the highly regulated banking system in a changing modern world. Banks in the UK and elsewhere were hamstrung by quite restricted business hours, often open only around ten to three weekdays. Customers who worked during these hours found their access to personal banking severely curtailed, especially when it came to the withdrawal of cash. In the Sixties project teams in banks in the UK, Sweden and Japan were all working at developing a form of automated cash dispenser. The successful introduction of the ATM in public locations solved the problem, offering instant, 24-hour access to cash.

After the Enfield ATM and it’s successors opened their windows there was some initial reluctance by customers to embrace the radical new way of banking⌖…a wait-and-see attitude prevailed, but not for long. Today ATMs swamp the commercial retail world, at a rough estimate there is over three million units operate globally (there’s even one in Antarctica!)

The pioneer of the PIN 📌 As with the debate over the invention of the first flying machine, Shepherd-Barron’s claim to originality has its challengers. Around the same time development engineer James Goodfellow came up with his own version, a Chubb machine❂ which worked on a PIN number associated with a code token in the form of a plastic card with punched holes. Goodfellow’s innovation was installed in branches of the Westminster Bank one month after the Barclays ATM.

Innovative Scanda 🏧 But can we categorically say with 100% surety that Goodfellow was the sole originator of the PIN? Sweden has a claim here too for pioneering recognition. The Metior Company’s Bankomat came into operation at Uppsala Sparbank just one week after the Barclays’ machine. The Swedish technology, on display at a Stockholm fair in 1964, presented a plastic-coated card and linked PIN. It seems likely that Shepherd-Barron, Goodfellow and the Swedes all devised their ATMs at around the same time independently without any connexion to or cognisance of each other’s projects.

ATM pioneer Simjian (Source: alchetron.com)

Neither Shepherd-Barron or Goodfellow are credited with devising the concept of the ATM itself. The consensus tends to attribute this to Armenian-American inventor Luther George Simjian. Simjian’s Bankograph, patented in 1960 but never fully commercially developed, came up with the idea of a “hole-in-the wall machine” that would allow customers to make financial transactions.

As with the debate over the invention of the world’s first manned flying machine, Shepherd-Barron’s claim to prototype creation has its challengers. Around the same time as the Shepherd-Barron innovation development engineer James Goodfellow came up with his own version, a Chubb machine❂ which worked on a PIN number associated with a code token in the form of a plastic card with punched holes. Goodfellow’s innovation was installed in branches of the Westminster Bank one month after the Barclays ATM.

Introduction of the ATM in America 🏧 The first American ATM was introduced in 1969✪ at the Chemical Bank’s branch in New York’s Rockville Centre (in the US they are sometimes referred to as “cashpoints”). The pioneering 24/7 US ATM (designed by Donald Wetzel) the Docuteller utilised reusable magnetic coded cards.

Lloyd’s Cashpoint (Source: deccanchronicle.com)

On the road to digital banking 🏧 These early dinosaurs of the alternative to face-to-face banking, the 1960s generation of ATMs, were of course all offline. The world’s first computerised ATM, introduced by Lloyds Bank, didn’t have its genesis (again in the UK) until December 1972…installed in Brentwood, Essex, the ATM cash machine was developed in partnership with IBM.

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⌖ prior to the introduction of the ATM and in its formative stage there was unsurprisingly a degree of resistance to them from banking employee unions

❂ the Chubb cash dispensing machine in its earliest iteration retained the user’s card (as proof of receipt), which later was posted back to the owner

✪ coincidentally the same year of the first operating ATM machine in Spain

Unconsummated Hitchcock: “The Short Night”, the Auteur’s Unrealised Final Fling at Making a Bondesque Film

Posted on by Wolfgang Childerglas
Biographical, Cinema, Popular Culture
Source: art.com
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ROTUND, sardonic Anglo-American auteur Alfred Hitchcock’s oeuvre comprised over 50 feature films but he was no stranger to unfinished or unrealised film projects. Starting with what was meant to be his directorial debut in “Number 13” (AKA “Mrs. Peabody”) in 1922, for the next 57 years Hitch was at the helm for upward of twenty aborted films. Hardly any of the score of unmade movie projects ever got beyond the pre-production stage[1̲̅].

Alfred’s hitch in making ‘Hamlet’
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There were various reasons why the films never got made…difficulties in location (Walt Disney, the man, not the corporation, wouldn’t let Hitchcock film ”The Blind Man” at Disneyland supposedly because of his disapproval of Psycho); Hitch’s dissatisfaction with scripts[2]; Hitchcock’s ”Titanic” project was waylaid by a string of obstacles including objections from the British shipping industry; some projects were vetoed by producers and studio heads; Hitchcock couldn’t get the female lead he wanted for ”No Bail for the Judge” (Audrey Hepburn)[3]. Hitch’s great success with The 39 Steps prompted him to try to direct film adaptions of other John Buchan novels featuring spy Richard Hannay, eg, ”Greenmantle”, however he couldn’t afford the rights to the book. He even wanted to direct Shakespeare, his enthusiasm to do a modernised version of Hamlet (with Hitchcock favourite Cary Grant cast as the “Melancholy Dane”) was ultimately blunted by the threat of a lawsuit from a writer who had already penned a modern-day version of Shakespeare’s great tragedy (‘Every Unmade Alfred Hitchcock Movie Explained’, Jordan Williams, Screen Rant, 12-Jun-2021, www.screenrant.com).

The final project pursued by Hitchcock was ”The Short Night”—based on a novel of the same name by Ronald Kirkbride and on the exploits of real-life double agent George Blake—which was to be Hitchcock’s red-hot crack at making a “realistic Bond movie”. In an interview with John Russell Taylor for Sight and Sound Hitchcock outlined the story’s great allure for him: ”It’s a situation that fascinates me: the man falls in love with the wife of a man he’s waiting to kill. It’s like a French farce turned inside-out. If he sees a boat coming across the bay with the husband on it, he can’t hop out of the back window, he has to wait and do what he has to do. And of course he can’t take the wife, who loves him, into his confidence. And so the whole romance is overshadowed by this secret, which gives it a special flavour and atmosphere. That’s what I want to convey”.

Poster for the movie that never materialised
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Originally conceived in the late 1960s (after two uninspiring earlier Hitchcock Cold War espionage features Torn Curtain and Topaz were coolly received), the director scouted locations in Finland. Hitch wanted the “real deal”, Sean Connery, to play the Bondesque double agent protagonist, the director must have been keen on the film…while the project was still parked in pre-production, without anything about the movie being nailed down, Hitch had a poster designed for the movie (‘Alfred Hitchcock’s unrealized projects’, Wikipedia). Alas, scripts were again a problem, Hitch churned through a bunch of writers and a number of different treatments in the search for the ‘right’ script, but an even bigger problem was Hitch himself! Now 80, Hitchcock‘s health was failing badly, he was unfocused and listless on the set[4], he simply was no longer up to it. Towards the end of 1979 Hitchcock quietly retired from the business and ”The Short Night” project was shelved for good.

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[1̲̅] Hitchcock managed to shoot only a few scenes of “Mrs. Peabody”,before a lack of budget brought the production to a close

[2] the prickly and demanding Hitchcock had fractious relationships with his scriptwriters, he even fell out with his favourites like Ernest Lehman (over Family Plot, contributing to Hitchcock ditching “The Wreck of the Mary Deare” and starting work on the espionage classic North by Northwest

[3] Hitchcock’s uber-creepy obsessiveness with many of his leading ladies (Grace Kelly, Tippi Hedren, Ingrid Bergman among others) has been well documented, eg, Spellbound by Beauty, Donald Spoto (2008)

[4] ”moving in and out of senility” in the view of the last screenwriter parachuted into the project, David Freeman

The Victorian Spectator Sport of Pedestrianism

Posted on by Wolfgang Childerglas
Local history, Social History, Society & Culture, Sports history

“Pedestrian”, just a fancy word for walker, you say? Its certainly got nothing to do with the vocational activity we euphemistically call “street walker”, a very different kind of “pedestrian”. As we understand the term today, It’s hard to imagine that pedestrian with the suffix -ism added was the name of a highly popular and seriously competitive sporting pastime 150 years ago.

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Like golf, outdoor tennis, association football and the rugby codes, pedestrianism, a historical name for organised, competitive walking, has its origins in Britain Something of its sort was around in the 1600s but the activity reached a fuller expression in the 18th century, becoming a regular fixture at regional fairs along with horse racing and running.

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Image: Victorian-era.org

One such instance of pedestrian racing involving the exchange of money was within the purview of upper class gentlemen making carriage journeys between English cities and towns. Wagers would be laid by groups of gentlemen on their travels as to which of their footmen can beat the others to the intended destination, going on foot in advance of their masters’ carriages.

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Foster Powell (Poster published by C. Johnson n.d.)

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Fore-walkers of the ultra-marathon
By the late 18th century we start to learn the names of individuals like Foster Powell who devote all of their time and energy to great feats of walking endurance for monetary reward. Powell, the star of long distancing walking in his day (flourished 1760s–1790s) is considered the first leading exponent of the activity, prefiguring the rise of the professional ultra-marathoners in the late 20th century. Powell’s greatest accomplishment was a 640km distance walk—London/York/London—in five days and 18 hours in 1792, the fourth and final time he had attempted and completed the feat [‘Foster Powell, the Great Pedestrian’, Andrew Green, gwalter, 26-Jun-2020, www.gwalter.com].

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Often leading pedestrians would go head-to-head in wagered races (Image: US Lib. of Congress)

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Multi-day walking
Later in the 19th century the British enthusiasm for pedestrianism spread overseas to Canada, the US and Australia. In the last quarter of the century Six-day races including for women pedestrians were very popular both in the US and the UK, attracting up to 70,000 paying visitors during the event. The leading exponents included George Littlewood (the Sheffield Flyer) whose 1888 world record for the six days—623 miles, 1,320 yards—remained unbeaten for 96 years! In America serious money could be made…Edward Payton Weston won a $10,000 prize in 1867 for completing a walk of 1,828 km in 30 days (Portland, Maine to Chicago). Powell didn’t achieve the hoped-for riches from his marathon walking, he died in an impoverished state, but many others that followed him found that success in the activity could pay handsomely. Captain Robert Barclay Allardice in 1809 earned himself the sobriquet the “celebrated pedestrian as well as a purse of 1,000 guineas for walking 1,000 miles in 1,000 hours, an amazing test of (strength), stamina and sleep denial” [‘Captain Robert Barclay-Allardyce’, www.nationalgalleries.org]. For Allardice’s numerous extraordinary exploits on the road, the title of “father of modern race-walking” has been ascribed to him.

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Pedestrianism was exceedingly popular in post-bellum USA, drawing great crowds of paying spectators (Image: Alamy/BBC)

Professional pedestrianism in the Victorian era was not confined to males, the most famous and successful woman pedestrian was probably Londoner Ada Anderson. Her accomplishments, particularly the breaking of Capt Allardice’s “1000 in 1000” record prompted the Leeds Times to dub her “Champion Lady Walker of the World” in 1878. Anderson whose preparation included training in severe sleep deprivation, after dominating UK pedestrianism, found great acclaim on the American walking circuit.

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Source: 7 News

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Curbing the proclivity for “speed walking”
As pedestrianism became codified, the “fair heel and toe” rule was established for races. This meant that “the toe of one foot could not leave the ground before the heel of the other foot touched down”𝖆, however in practice “rules were customary and changed with competition” and walkers got away with jogging and trotting in races. [Pedestrianism’, Wikipedia, http://en.m.wikipedia.org]. The controversy over what constitutes legal walking has continued to dog the modern sport of race-walking to the present with disqualification of athletes in Olympic 20,000 and 50,000 km road events for “lifting” still a common occurrence.

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Olympic final (men), 3500m Walk, 1908

By the 1890s the Victorians’ vogue for pedestrianism had given way to cycling and other organised team sports. The 1800s activity of competitive walking for monetary gain morphed into the amateur sport of race-walking which found a permanent home in the Summer Olympics in the 1908 London Games. The IAAF/World Athletics organises a series of elite walking events for both men and women including the Olympics and world championships.

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Johnny Day with Nimblefoot 1870 Melb Cup (Image: Herbert James Woodhouse)

Footnote: Prodigy day walker nonpareil
It was not unusual for competitive walkers in the 19th century to turn their hand to other pursuits, some took up cycling, even a few like Ada Anderson ventured into the theatre. In the case of Australian walking wiz-kid Master Johnny Day, he transitioned from wonder boy pedestrian to Melbourne Cup-winning jockey in 1870𝖇. Day by age 10 had won a remarkable 101 walking contests (never beaten) and was hailed as world champion juvenile walker, before pursuing a career as an apprentice jockey in his teens [‘Master Johnny Day, Australian Champion Pedestrian’, National Portrait Gallery, www.portrait.gov.au].

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𝖆 as well as keeping one foot on the ground at all time walkers were required to ensure that their leading leg remained straight until passed by the trailing leg

𝖇 the premier race on the Australasian racing calendar

The Land That Banned Beer for the Greater Part of the 20th Century

Posted on by Sloane Snodgrasse
Public health,, Regional History, Social History, Society & Culture

❝ It is the prohibition that makes anything precious ❞
 ~ Mark Twain

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Prohibition, an international movement (Source: PBS)

IN the early decades of the 20th century a number of countries passed laws to restrict the domestic consumption of alcoholic beverages, most notably the US with its interwar Prohibition injunction. Typically the ban only lasted for limited periods of time in these countries before the laws were repealed. One country that was an exception to this was Iceland which established a countrywide “dry” era that lasted, officially at least, for over seven decades. Following advocacy from the country’s temperance and pro-independence movements1⃞ a referendum was held in 1908 in which adult male Icelanders2⃞ voted 60% in favour of outlawing alcohol, to take effect from 1915.

Denmark and Iceland

No to alcohol, no to Danish interdependence
 Part of the anti-alcohol drive emanated from political motives, prohibition coincided with the struggle of Icelanders to gain its independence, by rejecting alcohol they were distancing themselves from the parent, Denmark, and the Danish lifestyle (Danes have traditionally been among the heaviest drinkers of beer) (‘Why was Beer Banned in Iceland?’, Reykjavík Tourist Info, 27-Feb-2022, www.blog.rekyjaviktouristinfo.is).

The ban on wine was lifted in 1922, partly at least due to economic imperatives and the effect on Iceland’s GDP. Pressure came from its Iberian trading partners. The loss of their Icelandic market for red and rosé wines prompted Spain and Portugal to threaten to cease importing Iceland‘s salted cod. Lifting of the ban on spirits followed in 1935. Internally, a relaxing of the law was facilitated by the medical profession as doctors began prescribing the consumption of wine as a medicinal measure for the population. The banning of bjor (beer) however remained in force (‘Why Iceland Banned Beer’, Megan Lane, BBC, 01-Mar-2015, www.bbc.com).

Skál! (Photo: Scandification)

A ban on beer but not on all “beer products”
 Like what happened elsewhere, consumers of beer were still able to access and imbibe the frothy ale from several sources. The Icelandic war on beer was targeted at full-strength beer…beer (usually of the pilsner kind) which didn’t exceed 2.25% alcohol was not deemed illegal. The watered-down variety and “beer substitutes” were available, such as brennivin (distilled “beer-like” potato vodka). Home-brew (Landi) flourished, as did smuggling of the amber substance (fishermen could get their hands on a case or two easily enough). If you were a diplomat you could get access to beer as part of your official state duties.

The Prohibitionists’ reasoning
 The 20th century rolled on and the Icelanders’ ban on beer persisted. With beer less expensive than either wine or spirits, the authorities’ worry was that if cheap beer was freely available, this would lead to a contagion of heavy drinking in the community, especially among adolescents. By the 1970s there were signs of societal attitudinal change. Duty-free liquor could be purchased at airports by airline crews and foreign travellers, by the end of the decade this dispensation was extended to returning locals.

Icelandic White Ale 5.2% ABV (Photo: Muse on Booze)

End of the beer drought
Finally by 1988 more liberal attitudes towards the alcoholic brew’s place in modern Icelandic society prevailed. Polls in the 1980s showed that 6 in 10 citizens favoured beer’s legalisation…a groundswell of rising opinion against the ban’s continuance pushed the Althingi (Icelandic parliament’s) hand3⃞. The upper chamber of the national legislature voted (fairly narrowly, 13–8) to repeal the ban on beer, effective from 1 March 1989 (which henceforth became celebrated annually in Iceland as “Beer Day”).

Traditional sour Gose beer, Icelandic style (Photo: issuu.com)

Today the beer flows in Iceland, especially at this time in late January when Thorri Seasonal Beers are made available to the public4⃞. At any time of the year city locals can freely drink the latest Euro-fashionable craft beers infused with herbs and Arctic blueberries and just about anything else imaginable in microbreweries. Regulation of beer however has not entirely vanished…outside of airports citizens can only buy beer at the government-owned Vinbúdin stores and if you are under 20 the law still bars you from purchasing any grog in the stores or airports.

Endnote: government monopolies on consumer items are a bit of a thing in Iceland. Between 1910 and 1977 the only outlet where you could buy that staple of domestic sustenance, milk, was the Mjólkurbúò, a state-owned milk store (‘Fun facts about Iceland — Strange customs, weird laws and interesting facts’, Reykjavik Excursions, 15-Aug-2022, www.re.is). Tobacco sales are also regulated by the same state monopoly company as alcohol, Vinbúdin.

Iceland: Whale testicle beer (Source: au.whales.org)

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1⃞   at the time Iceland was in a “Personal Union” with Denmark, not securing full sovereignty and independence until 1944

2⃞   women were not permitted to vote in the poll although overwhelmingly they were in support of the liquor ban

3⃞ legislators were also persuaded by the tax revenue boost that legalisation of the popular brew would bring

4⃞  during Thorrabjór Icelanders can drink traditional beer brews flavoured with, for instance, smoked whale testicles (5.1% alcohol) – a drop decidedly NOT popular with conservationists though!

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