There are many ways to log the changes in the payments ecosystem over the last decade and a half. One could look to the point of sale changes like EMV or NFC, or the various omnichannel upgrades like order ahead or buy online and pickup in store. There are dozens and possibly even hundreds of hardware and software changes big and small that have shifted, expanded and grown the boundaries of how a consumer can pay for the goods and services they want to buy from a merchant.