PRE-DIGITAL
Life before banking went digital
1960
1st ATM
The first Automated Teller Machines (ATM) or cash machines were developed in the early 1960s with the first machines being launched by the end of the decade. Banks started to become heavy investors in computer technology to automate much of the manual processing, which began a shift by banks from large numbers of clerical staff to new automated systems.
1969
1st CREDIT CARD
Barclaycard, from Barclays, was the first credit card introduced in the UK, coming into service in 1966. It enjoyed a monopoly until the introduction of the Access card in 1972.
1970
1st PAYMENT SYSTEMS
The first payment systems began to be considered that would lead to electronic payment systems for both international and domestic payments. The international SWIFT payment network was established in 1973 and domestic payment systems were developed around the world by banks working together with governments.
1983
1st HOME BANKING SYSTEM
The Bank of Scotland offered Nottingham Building Society customers the first home banking service in the UK called “Homelink”. Connecting via a television set and a telephone to send transfers and pay bills, this service formed the basis for home and online banking as we know it today.
1989
1st TELEPHONE BANKING SERVICE 
first direct, the UK’s first telephone only banking operation, took its first call on 12.01am on 1 October 1989; more than 1,000 calls were taken within the first 24 hours.
EARLY DIGITAL
The era of online banking and the arrival of smartphones
1993
1st INTERNET BANKING SERVICE
In November 1993, Stanford Federal Credit Union conducted its first four internet transactions; and in 1994, it became the first financial institution to offer internet banking when it launched its website
1993
1st SMARTPHONE
The IBM Simon was the first smartphone launched; it had a touch screen with email, pager and a fax device.
1997
1st MOBILE BANKING SERVICE
The first mobile banking service was launched in 1997 by Merita Bank of Finland offering SMS text banking.
DIGITAL SOPHISTICATION
Digital banking using multiple devices is becoming the norm
2010
INTELLIGENT ENVIRONMENTS
announced an iPhone app for the Orange credit card in conjunction with Barclaycard. The project won FSTech Payment Innovation of the year
2011
1st SMARTPHONE
The IBM Simon was the first smartphone launched; it had a touch screen with email, pager and a fax device.
2011
LAUNCH OF THE MOBILE WALLET IN THE USA
Google launched Google Wallet in the USA, a secure mobile payment product that stores credit cards, debit cards and store cards on a mobile device containing a near ?ield communication (NFC) chip for easy payments.
2011
BILLS PAID OVER THE INTERNET
Barclaycard was the first UK credit card company to allow bills to be paid over the internet.
2012
THE EXPLOSION OF TABLET DEVICES
Apple sell 84m iPads in 2 years and 3m in 3 days when they launch iPad mini and iPad 4.