Which retail payment innovation, first introduced in 1950, fundamentally changed American shopping habits by allowing consumers to 'buy now, pay later' on a large scale?

The evolution of retail payment systems has transformed how we shop throughout history. From ancient bartering to modern contactless payments, the way we exchange value for goods has shaped economies and societies. This poll tests your knowledge about a pivotal moment in retail payment history that changed shopping habits forever. Do you know which innovation truly revolutionized consumer purchasing power in the mid-20th century?

This is a live public trivia poll on AIPolls.Net. Vote and see real-time results.

Diners Club card (the first universal credit card)
American Express Traveler's Cheques
IBM's first electronic cash register system
The Federal Reserve's check clearing system