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Line 6: It has been a goal in payments almost since payments have been processed electronically, including attempts in the 1980s to automate the processing of payments by [[Telex]] message. It was developed for [[equities trading]] in the early 1990s by James Karat in London <ref name="Cardiff Metropolitan University">{{cite web \|last1=Karat \|first1=James \|title=James Karat \|url=https://jameskarat.com/resources#09f26205-d655-487c-8fd6-9d876b9b825e \|website=James Karat \|access-date=1 July 2016}}</ref>n for automated processing in the equity markets. ==Payments==

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