No mention of Walter Wriston and First National City Bank (later Citicorp)? Wriston is sometimes credited with the concept of networked ATMs, in the sense that he as an executive pushed the project forward.[1] He scaled up the technology, flooding New York City with ATMs. Then everybody else in banking had to install them.

[1] https://www.nytimes.com/2005/01/21/obituaries/walter-b-wrist...

This is worth reading for the line "For some reason difficult to divine the radioactive ATM card did not catch on." alone.

In Japan, Omron developed early ATMs that looked similar to American and European machines. Though those early forms have changed significantly over time, Omron remains a top maker today (their ATM division later became a joint venture with Hitachi, so the Omron name is no longer used).

Unlike IBM, Omron specializes in ATM hardware, not bank internal systems. That difference in focus could have mattered.