John Findlay Clapperton was born in Glasgow 1835. He became an Australian banker who, when coming to NZ, was a Director of 'The Star' newspaper, as was his son Frank. His father-in-law, George Bell, was The Star's first managing director.
In 1854 Joseph Findlay Clapperton, 18 years of age, arrived in Victoria, from Scotland. His father William was a 6th generation draper who worked in the firm Clapperton & Findlay in Glasgow, Scotland.
Joseph had been sent to Melbourne to assist in the management of the firm of Crombie, Clapperton and Findlay who advertised their business as "General Drapers, Silk Mercers, Millinery, Dressmaking, Curtains, Table Linens and Ladies Underclothing" among other things.
In 1858 he married Louisa Bell and they had 2 daughters and 3 sons together
After managing several branches of the Union Bank in Victoria he was sent on to New Zealand where he worked with the Union Bank till his retirement.