And so in the 1960s, teams working concurrently in Sweden and the United Kingdom pioneered the earliest versions of what would eventually become known as the automated teller machine. These were primitive devices—they had the tendency to “eat” payment cards and to dispense incorrect amounts of money, and they didn’t see much uptake—but by the late 1960s it was clear where things were going. IBM, at that point the largest technology company in the world, soon took interest in the technology, and for the next few years groups of IBM engineers refined the technological and infrastructural layer to make the ATM functional.
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