Which retail payment innovation was first introduced by IBM in 1973 and fundamentally transformed how consumers pay for goods?

The way we pay for products has evolved dramatically over the decades. From cash to credit cards to contactless payments, retail payment systems continue to transform the shopping experience and influence consumer behavior. This trivia question tests your knowledge about a significant milestone in retail payment innovation that changed how billions of transactions are processed worldwide. How well do you understand the evolution of payment technologies that shape modern commerce?

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Electronic Funds Transfer (EFT) system
Universal Product Code (UPC) barcode scanning
PIN-based debit card transaction
Magnetic stripe credit card reader