Which payment innovation, first introduced in 1950 by Diners Club, fundamentally transformed retail by introducing the concept of 'buy now, pay later' to the mass market?

The evolution of how we pay for goods has transformed retail throughout history. From ancient bartering systems to digital wallets, payment technologies have shaped consumer behavior, market expansion, and retail operations. This trivia question explores a pivotal moment in payment technology history that revolutionized retail and created the foundation for modern consumer purchasing patterns. Test your knowledge about this significant historical development that changed how retailers and consumers interact at the point of sale.

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The universal charge card
The check guarantee card
The automated retail credit system
The point-of-sale terminal