Who Invented the Cash Machine ATM?

The modern automated teller machine was created by Luther George Simjian, a Turkish inventor, photographer and businessman.

  1. Simjian's Early Years

    • Luther George Simjian was born in Turkey in 1905. Displaced from his home by World War I, Simjian arrived in 1920 in the United States, where he lived with relatives and worked as a photographer.

    Birth of the ATM

    • In 1939, after successfully inventing and marketing several photography innovations, Simjian filed 20 patents for a standalone device that would allow bank customers to deposit and withdraw cash.

    Initial Reception

    • Simjian's record of success with photography inventions did not carry over to banking and the early ATM. Financial institutions showed little interest, and the one that tried the concept considered it a failure because of low customer interest.

    John Shepherd-Barron

    • John Shepherd-Barron is also widely recognized as an inventor of the ATM because of his role in creating the first commercially successful electronic ATM. His invention first showed up on the streets of London in 1967.

    First Electronic ATM

    • Because magnetic ATM cards had not been invented, Shepherd-Barron's first ATM used slightly radioactive checks and four-digit personal identification numbers to check customers' identities. The machine allowed withdrawals of as much as 10 pounds.

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