The way Costco's automated pay stations work is that members stand in line and a Costco employee scans the person's membership card and all of the items in their cart. When the member reaches the self-serve payment kiosk, they scan their membership card and pay. The system eliminates the conveyor belt and any interaction with a cashier.
Nium's infrastructure leverages 40 regulatory licenses to provide compliant issuance across 190 countries without requiring businesses to build new backend systems, streamlining the process significantly.
The new feature, called Digital Home Key, will live inside Samsung Wallet and is powered by the Aliro smart home standard. The new standard uses near-field communication (NFC) for its tap-to-unlock technology. It also supports ultra-wideband (UWB), giving users the ability to unlock their door as they approach and without pulling out their phone.
The problem was not growth or demand or even competition. It was settlement. Payments took days to clear. Reconciliation took weeks. Cash piled up in the wrong places. Finance teams spent their time explaining why the numbers did not match instead of planning what came next.
Many of them felt that the cash, the knowledge that there may be cash on the premises, made them a target. Mandelman's office told ABC7 Eyewitness News that the risk of being targeted for physical threat has increased 33% since businesses were told in 2019 they had to accept cash.
Consider this snapshot of the near future: You're in a taxi on the other side of the world. You pay your driver with the same digital wallet you use at home, and he receives the money in his wallet linked to the local instant payments network. He's set a rule in his bank app-"send 30% of every payout to my family back home"-and funds are converted immediately to a third currency and delivered to relatives in a country thousands of miles away.
Retail point-of-sale systems today offer a wide range of options for peripherals and hardware. Their technical specifications play a major role in selection, and big retailers often choose multiple vendors to reduce a single point of failure. This gives them an advantage to negotiate price or support as well. Technically, these peripherals also require updating with new models and may have new feature sets. This necessitates the redevelopment of point-of-sale applications, increasing development costs.
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The reason is a lack of user research to understand how people think and act when shopping, and how they navigate their way through the experience to get it done. It's the user experience concept of a mental model, if you want to get fancy, or the application of a system matching the real-world heuristic they teach you about in college.
According to the company, the Bevri POS is designed to complete the 1003 loan application, collect and validate income and asset documentation, run Desktop Underwriter and Loan Product Advisor findings for Fannie Mae and Freddie Mac, and generate underwriting outcomes earlier in the process. The system also aims to reduce repetitive data entry through autonomous task execution. The company also said the platform continuously evaluates next steps in a loan file, resolving gaps and surfacing insights for loan officers.
Surveys suggest customers want to use AI for shopping and to see AI tools from retailers. In a CI&T survey conducted in 2025, 58% of 1,040 U.S. consumers said retailers should use AI to improve the shopping experience, and almost 75% said they were already using AI tools at least occasionally in their path to purchase. In a separate survey from Gartner last March, 56% of millennials said they would be willing to let AI handle or assist with some of their shopping tasks.
The technology underpinning retail operations is under scrutiny in 2026 as fashion executives look to streamline systems with the aim to unlock efficiency, cut costs and meet consumer expectations for speed and personalisation in the shopping journey. At the retail event Lightspeed Edge on 12 January, Lightspeed - the unified point-of-sale (POS) and payments platform for SMEs such as Apricot Lane Boutique and Neal's Yard Remedies - convened industry leaders to explore the strategic imperative for integrated technology ecosystems over siloed systems.
Retail is no longer just about buying and selling products; it is about the experience. In a world where online shopping offers instant gratification, physical stores face the challenge of providing something the internet cannot: a personal, tactile, and efficient service. The checkout counter has traditionally been a point of friction, with long queues, slow card machines, and impersonal interactions. However, the modern Electronic Point of Sale (EPOS) system has completely reshaped this dynamic.
If checkout happens inside AI conversations, retailers risk losing direct customer relationships - while platforms like Microsoft gain leverage. Driving the news: Microsoft unveiled new agentic AI tools for retailers at the NRF 2026 retail conference, including Copilot Checkout, which lets shoppers complete purchases inside Copilot without being redirected to a retailer's website. The checkout feature is live in the U.S. with Shopify, PayPal, Stripe and Etsy integrations.
Picking a payments provider feels like choosing a business partner you will rely on for years. The platform you select handles your revenue, shapes your customer checkout flow, and determines how much control you retain over the money moving through your company. Stripe built its name early and became synonymous with online payments for startups and growing businesses. Finix entered the market with a different proposition, offering companies the infrastructure to become their own payment facilitator without surrendering ownership of the merchant relationship.
You can use multi-channel products to manage your inventory for both online and in-store sales within a single, unified product listing. Google explained that "this approach simplifies how you manage your products and helps you reach more customers." With multi-channel products, you can oversee your online and in-store inventory together. Previously, you might have maintained separate listings for the same product if you sold it both online and in physical stores.
