The advent of timesharing on computer mainframes motivated companies like IBM to create software to automate these paper-ledger-based accounting systems, known as systems of record, for demand deposits, credit cards, and mortgage loans. The legacy of account-based management control systems persists to this day, as enterprise customers were not enumerated from day one but rather derived from the account holder detail within systems of record; this promotes a fractional view of the bank’s relationship with individual people.