Today in 1969, Chemical Bank installed the first ATM in the U.S. at its branch in Rockville Centre, New York. The first ATMs were designed to dispense a fixed amount of cash when a user inserted a specially coded card. A Chemical Bank advertisement boasted “On Sept. 2 our bank will open at 9:00 and never close again.” Today, there are more than 2.2 million ATMs installed worldwide. And tomorrow? The value of mobile commerce transactions conducted via mobile handsets and tablets will exceed $3.2 trillion by 2017, up from $1.5 trillion this year, according Juniper Research: “The increasing popularity of mobile devices for bill payment is reflected in the fact that the mobile banking sector accounts for the lion’s share of transaction values over the next five years. However, to put global mCommerce into context, total financial transactions in the US alone exceeded $4,400 trillion in 2012.”