Which retail payment innovation was first introduced by IBM in 1973, fundamentally changing how customers paid for goods in stores?

In the evolution of retail and commerce, payment systems have transformed how businesses operate and consumers shop. The introduction of certain technologies dramatically changed the retail landscape, creating new possibilities for merchants and convenience for shoppers. This poll explores a pivotal moment in retail payment history that revolutionized transactions and set the foundation for modern shopping experiences.

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Electronic Funds Transfer (EFT) system
Universal Product Code (UPC) barcode scanning
Magnetic stripe credit card reader
Automated Teller Machine (ATM) in retail locations