Which cybersecurity innovation, introduced in the early 2010s, significantly reduced counterfeit card fraud in retail by replacing magnetic stripe data with a unique transaction code?

In the ever-evolving landscape of retail cybersecurity, certain innovations have fundamentally transformed how businesses protect customer data and maintain trust. This trivia question focuses on a pivotal development that revolutionized payment security in retail environments. Test your knowledge about this significant advancement that retailers worldwide have adopted to combat fraud and data breaches.

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EMV chip technology (chip-and-PIN/chip-and-signature cards)
Two-factor authentication (2FA)
Blockchain-based payment verification
End-to-end encryption (E2EE)