HUGH CROXFORD has had a career in banking and banking systems, primarily in the UK and USA. His first jobs were with Barclays Bank as a good old bank clerk, then as a computer operator, and then computer programmer. He joined Burroughs Corporation (now Unisys), where heworked on many sales and implementation assignments over eleven years, finally in their HQ in Detroit. That was followed by a further ten years working with Citibank and HSBC in New York, where he was responsible for Customer Systems, and was a founding Executive Director of NYCE, the ATM/POS shared banking network. Foll...