Which payment innovation, first widely adopted in the 1950s, transformed retail by allowing customers to 'buy now, pay later' and is considered the precursor to modern credit systems?

Throughout history, retail payment systems have evolved dramatically, transforming how consumers interact with merchants. From ancient bartering to digital wallets, payment innovations have shaped commerce and consumer behavior. This trivia question explores a pivotal moment in retail payment history that fundamentally changed shopping patterns and merchant operations across the world. Test your knowledge about a revolutionary payment technology that altered the retail landscape forever!

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The Diners Club Card (1950)
The Western Union Money Order (1871)
The American Express Traveler's Cheque (1891)
The Federal Reserve Check Clearing System (1913)