It all started in 1949 when Frank McNamara scheduled a business dinner in a New York restaurant.
Before he left for the dinner, Frank changed suits. When the waiter presented the check,
Frank realized that he had lift his wallet in the other suit. The embarrassing situation was solved,
but that night Frank asked himself : "Why should people be limited to spending what they are
carrying in cash, instead of being able to spend what they can afford?