Independent Banker - November 2017 - 29
ILL USTRATIONS: MILES DONO V AN
1836 W
PNEUMATIC CAPSULE
TRANSPORTATION
With the invention of a pneumatic
capsule system for transporting objects
through tubes in 1836, Scottish engineer
and inventor William Murdoch
spawned a new technology in search of
an application. Pneumatic capsules were
fi rst used for transmitting telegrams,
but when the automobile age dawned,
American banks embraced the invention
so customers could withdraw money
and make deposits without leaving their
cars. Arguably, drive-up teller windows
were the beginning of a shift in branch
design that accelerated after the arrival
of cash automation technologies, says
Anthony Burnett, customer experience
director for Level5, a custom design-build
and construction company for banks and
credit unions. Gone are the days when
all of the customer-facing people in a
bank branch " interact with the customer
across three feet of mahogany, " he says.
independentbanker.org
1950 W
THE CREDIT CARD
In 1950, Diners Club introduced
the fi rst universal credit card, a
portable payment solution that
could be used at numerous member
establishments. FiNet's Brent
points out that it was not until
payments became integrated for
merchants at the back end, allowing
the tracking of everything
from inventory to total sales, that
popular venues like McDonalds
and Starbucks began accepting
plastic for small purchases. In
2005, Richard Jaros and Monique
Steadman of Capital One Financial
Corp. fi led a patent for instant
issuance technology; today, banks
with this technology can print
cards for customers immediately.
ICBA IndependentBanker 29
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Independent Banker - November 2017
Table of Contents for the Digital Edition of Independent Banker - November 2017
Table of Contents
Independent Banker - November 2017 - Intro
Independent Banker - November 2017 - Cover1
Independent Banker - November 2017 - Cover2
Independent Banker - November 2017 - Table of Contents
Independent Banker - November 2017 - 2
Independent Banker - November 2017 - 3
Independent Banker - November 2017 - 4
Independent Banker - November 2017 - 5
Independent Banker - November 2017 - 6
Independent Banker - November 2017 - 7
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Independent Banker - November 2017 - Cover3
Independent Banker - November 2017 - Cover4
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