His company is testing, with KeyBank, a system that allows a customer to punch his PIN number into a phone before making a purchase, in effect turning the phone into a credit card.
The kind of shopping — where you hand over notes and count out change in return — now happens only in the most minor of our retail encounters, like buying a bar of chocolate or a pint of milk, from a corner shop.
Take inventory before you shop. Impulse buys can be a waste of money, especially if you splurge on a pair of black pants, only to see your ten other pairs when you get home.