Which payment innovation was first introduced in the 1950s and fundamentally changed retail by allowing consumers to 'buy now, pay later' without carrying cash?

Before modern shopping experiences dominated our lives, retail underwent fascinating transformations throughout history. From ancient marketplaces to today's omnichannel experiences, payment systems have evolved dramatically. This poll tests your knowledge about a pivotal moment in retail payment history that changed how consumers interacted with merchants and revolutionized transaction convenience. Can you identify which payment innovation truly transformed retail in its era?

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The universal product code (UPC) barcode system
The general-purpose credit card (Diners Club, followed by American Express and BankAmericard/Visa)
Electronic funds transfer at point of sale (EFTPOS) systems
Department store charge plates and cards (like Sears)