Technology can have a great impact on retail and ecommerce. According to (Legters, 2022), the point of sale has evolved with new ways to pay with additional services. Many retail businesses have latched on to opportunities that offer new services which can provide credit and payment by installment options. Online shopping accounts are around 19.6 percent of global retail sales, and is forecasted to grow to a quarter of total global retail sales by 2025; although people enjoy shopping online, mobile commerce has surged ahead with a transaction value exceeding 52% of all e-commerce spend (Legters, 2022). The physical and digital worlds of shopping have merged. For items such as laptops and specialized equipment, customers are likely to research the specifics of potential purchases and review customer feedback online before heading into a store to assess the items physically (Knox, 2022). Although, there are many customers who would probably expect the same experience they would have in a store as they would online with easy browsing, minimal delay, and frictionless payment. This was seen during the COVID-19 pandemic with many companies offering contactless deliveries or curbside pickups. The pandemic has thus made a huge impact on retail with the use of technology. At that time, customers began to seek companies that were more convenient to them which were mostly online such as Amazon. The COVID-19 pandemic taught U.S retailers that the retailer with the best convenience-driven technology wins (Verdon, 2022).