Which retail innovation, introduced in 1950, revolutionized payment systems by allowing customers to make purchases and pay for them later?

The evolution of payment systems has dramatically transformed retail throughout history. From ancient barter systems to today's contactless payments, the way we exchange value for goods has shaped commerce, customer experience, and business models. This poll tests your knowledge about a pivotal moment in retail payment history that changed shopping behaviors forever and set the foundation for modern consumer financing.

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• The Diners Club card, the world's first universal credit card
• The IBM point-of-sale terminal with magnetic stripe reader
• The Western Union 'Charge-It' system for department stores
• The American Express Travelers Cheque digital verification system

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