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The Rise Of The Smart StoreMost of the tech world assumed the smartphone would be the thing that fully transforms retail, but when the history books are written, it will turn out the smart store is the thing that fundamentally changed both retail stores and shopping. Ultimately, a smartphone will not even be needed.The ground breaking aspects of this shift in the new retail system Amazon has created are:Membership: ExclusivityJust-Walk-Out technology: No lines, no cash registers, no credit card machinesLet’s examine the historical elements that have evolved into Amazon Go.Specimen: Side elevation of an Amazon Go Store.Only Members Allowed To EnterAmazon Go stores require you to be a member to enter [1]. Currently this means you must be a subscriber to Amazon Prime although this may include just about any Amazon customer at some point with Prime members getting an additional discount. The memberships constrain potential customers to those that Amazon has established a prior relationship with.There is a deep brilliance to the exclusive “members only” concept. The history of membership stores span as far back as the idea of Co-op [2] buying clubs formed in the 1700s to make the collective buying power of a group, usually geographically located, get access to exclusive products as well as lower costs. In the past some stores had signs “Not A Member? Your Money Is No Good Here”.The most modern membership linage is FEDCO (Federal Employees' Distributing Company) [3] established in 1948 by 800 U.S. Post Office employees who wanted to leverage their buying power by purchasing goods directly from wholesalers, eliminating the markup of a retail store. With FEDCO, you could not even enter the store unless you showed your union card or the FEDCO card. By the 1950s, FEDCO expend to just about any union member.Specimen: FEDCO location circa late 1970s.Specimen: FEDCO charge card.The exclusivity of the FEDCO buying experience along with the group pride of being part of a program that only members can experience allowed for this idea to be duplicated around the world.In 1971 JGE (Jamaica Gas & Electric) appliances stores [4] dominated the radio and late night TV adverting markets in the trip-state area near New York City. Owner Jerry Rosenberg became famous for the commercial that began with “Hey Jerry, What's the story…the story is…”:Specimen: Radio commercial for JGE.Most recently Costco [5] membership stores originally opened in 1976 as Price Club [6] warehouse Costco later acquired the company. The Price Club ideas evolved from the success of FEDCO and JGE decades earlier. Price Club focused on business customers, but was later opened up to other groups, such as employees of local businesses, nonprofits, or government institutions.The Catalog-Showroom Retail StoreAmazon Go is a manifestation of the sum total Amazon learned from decades as an online sales pioneer meeting up with a new form of retailing. There is a linage in history connecting these ideas.In 1934 Service Merchandise [7] invented the catalog-showroom concept. This is where the entire store is populated with just one or two representative items. The customers would fill out a form with an item number listed by the product along with the payment by check, cash and later credit cards. This form (later it would be a card with product ID) would be handed to a number of store runners and usually by the time you arrive to the front of the store, the product would be ready in a bag for you to, just walk out. Service Merchandise also used pneumatic tubes placed at dozens of locations around the store to shuttle the forms to the inventory area to have ready for pickup.Specimen: Example of a pneumatic tube system similar to the stock room at early Service Merchandise stores.Specimen: Of a Service Merchandise catalog.Service Merchandise was the very first hybrid of catalog ordering and physical retail ordering. They revolutionized the best elements of both modalities and merged it with an in-store charge card.The Amazon Go SystemAmazon Go takes the concepts from FEDCO and Service Merchandise and adds what they call Sensor Fusion as well as Artificial Intelligence to completely change the direction of what we know as retail shopping. In 1861 John Wanamaker invented the way we currently shop [8], from fixed prices (before all prices were haggle prices) to the checkout process and the mandatory use of cash registers and customer receipts with satisfaction guaranteed. Amazon has moved this ahead in a massive way.Amazon amassed the largest product image dataset in the world. This grew from almost a decade of machine learning inside Amazon warehouses around the world. The system is so powerful it is said that only 30% of the product needs to be in view of the product sensor cameras for a high certainty confirmation.Amazon Go’s Sensor Fusion technology uses an array of systems for confirmation and cross confirmation of all transactions. It’s called "just walk out" technology and when you walk out, your purchase is complete with a receipt in your app, charged to your Amazon account. This is achieved by an entryway that is similar to the subway turnstiles that you see in major cities.Specimen: Of Amazon fulfillment center with conveyor belts and camera sensors.Specimen: Of the QR code used to enter the Amazon Go retail store.Specimen: Of a cell phone scan to enter the Amazon Go retail store.A smartphone with the app installed is required to enter the store via presenting a barcode to a sensor. This barcode scan (along with other sensor technology eg: GPS, etc) tracks that you have entered the store, identifies you're moving through the store and then identifies the product you pick up. To complete your shopping experience just walk out the door. Yes, that’s it. The image recognition combined with a sensor fusion of technologies has already confirmed your order and totalled it up. All billed to your future Amazon Bank Card, but currently to the payment card you have on file with them, now nearing 1 billion payment cards they have on file.Specimen: Of the subway turnstile entrance area for the Amazon Go retail store.Your Face Will Be Your Membership CardAmazon limits a number of potential pitfalls that non-membership business will face trying to duplicate the Amazon Go model. By limiting to known customers Amazon has erased the “Chicken/Egg” issue of getting new payment modalities to be used. By tapping the massive group of Amazon Prime members, who already have a very high likelihood of having the Amazon app on their smartphone, Amazon has solved the “Chicken/Egg” wallet problem.Today one will need a smartphone with the app, however in the future the very powerful facial recognition systems using their Rekognition AI technology [9]will elimate this requirement. Thus the moment you enter the store, the store itself can not only identify what you are walking out with and purchasing, it can identify you, at some point with 100% certainty just by your face and other confirmations not requiring your smartphone. Your face will be your membership card and your payment card, no smartphone needed.Specimen: Of Amazon’s Recognition API.Amazon Go Will Have Employees Everywhere, Just No CashiersSome assume the Amazon Go stores will be empty of any reasonable number of employees. This is a very uninformed conclusion. Indeed cashiers will be a thing of the past. However the selves in a high volume store will need to be constantly tended to. perhaps employing 3 times more employees focused on doing this work. Combine this with Amazon’s just-in-time inventory system. These employees will be mixing with customers and will be helpful and attentive. This will be similar to the system used at Trader Joes [10].Specimen: Of typical Trader Joe's employees.Thus we can conclude that the Amazon Go experience is equal parts:Decades of Amazon customer dataAdvanced sensortechnologyyArtificial Intelligence + Machine LearningFEDCO Costco: MembershipsMerchant Charge CardsService Merchandise: just-walk-out salesTrader Joe's customer serviceAWS For Retail StoresI believe that Amazon will likely license the technology centered around Amazon Go very much like the technology that built Amazon’s website, the AWS platform and most recently the Alexa platform. This means that Amazon very well me become the largest technology supplier for retailers in the future. This will very likely extend to Amazon Payments and cost savings that Amazon could share with the smallest to the largest merchants. An Amazon executive hinted about this recently [11].A Retail RevolutionThis is part of a natural evolution but also a revolution. Amazon jumped a few orders of magnitude ahead of the current arc of retail and technology. They bypassed the issues of self-checkout and bypassed the POS system entirely. They also have bypassed the smartphone to a greater degree as most assume the smartphone would be the place where all innovation would be centered. Amazon has shifted the equation from the smartphone to the smart store. They have moved the retail shopping experience into a place never seen before. Over time, this will fundamentally change the very fabric of just about every retail shopping experience.The new Amazon Go experience may have such a great effect, that the very thing Amazon took away so many years ago: retail shopping, they will give back by reinventing retail shopping all over again. What was old is new again.Specimen: Of an early version of the Amazon website.[1] Brian Roemmele's answer to What is the Amazon Go Store, the new retail shopping experience and why is it important?[2] Cooperative - Wikipedia[3] Federal Employees' Distributing Company - Wikipedia[4] Jerry Rosenberg (pitchman) - Wikipedia[5] Costco - Wikipedia[6] Price Club - Wikipedia[7] Service Merchandise - Wikipedia and Can Service Merchandise Survive? | JCK[8] Brian Roemmele's answer to When during the Industrial Revolution did fixed price tags first appear?[9] Amazon Rekognition – Deep learning-based image analysis[10] Trader Joe's - Wikipedia[11] Carl Quintanilla on Twitter

Because trading in gold ore is ilegal in South Africa to the general public. You need a mining permit or mining license specifically for gold to legally own or trade in unprocessed gold ore. A permit application is a long, expensive process and you have to physically show geological results from prospecting that the land where you want to mine contains enough gold to make the mine economically viable. So, before you can even think of getting a mining permit (area of less than 5 hectares), or a mining license (larger areas), you need a prospecting permit. Prospecting permits are equally long and expensive application processes because it involves environmental impact assessments, public participation, social and labour plans, the use of notaries and bank guarantees. The best way consumers (not miners) can trade in gold, is to buy processed gold in the form of gold bars, Krugerrands (or any other gold coins), gold jewellery or any other approved form of processed gold (typically in 9, 18, 22 and 24 cts).Check out the South African Mint Company for fresh Krugerrands and other gold coins:https://www.samint.co.za/Or popular South African eCommerce site, BidorBuy, for gold sales and auctions. Check under the “Coins and notes" section and look for “Gold and bullion”.bidorbuy South Africa Online Shopping | Shop Your Way

A money order is a guaranteed form of payment for a specified amount that two parties can use as a form of payment in exchange for a given product or service. To obtain a money order, an entity must pay the amount that’s been agreed upon for a good or service.Money order’s are considered as the safest payment option, whether you pay for your college fees or any other payment. Apart from the Advantages of Money orders there are some disadvantages of Money orders too. Today I am going to share some of the advantages and disadvantages of Money Order.Specimen of an money order:-Advantages of Money OrderSafest Payment Mode: Money orders are the safest payment option, there will be no fraud or stealth of the money as money orders always requires a signature and Photo Identity. If any one found guilty of money order counterfeit there will be $25,000 penalty and jail up to 10 years.Safe to Mail: Money orders can be mailed without any issue. If for some reason the money order didn’t reach the designer location, you can always call the company where the money order was issued and report loss of money order and they will replace your money order with a new money order while banning the old one.Disadvantages/Drawbacks of Money OrderSlow time of Transit: Money orders are safe but time consuming, Money orders are mailed by “snail-mail”, I am taking about the traditional method of postal system. It may takes week or sometime months to reach money order to your desire location.Loss: Yes! Money orders can be lost. It’s a piece of paper and can very much slip by the postal agent. And it can be worry for the merchant you are paying and they will ask you for the money order on time. And you have to get a new money order.Stop Payment Fee: If you lost money order or you just have to stop your money order for some reason, then you will have to pay some small fee to stop payment. The fee itself may be more than the money order was purchased for. For example, you bought a $5 money order, and the stop payment fee is $15. To receive your $5 back, you have to pay the $15.Forgery/Fraud: Money order can be forged by thieves. Suppose a thief forges a money order with your name on it as the issuer. The bank eventually discovers the forgery, and reports it to law enforcement. Law enforcement will investigate, and you’ll be questioned for suspected fraud!And also we cannot send an amount exceeding 5000 INRThus as we know money orders are one of the traditional methods of money transfer, with change in time and dynamic world a lot of changes should also be adopted by the specific payment in order to maintain security for its customers and also make it easy as well as less complicated and more convenient.