Starbucks utilizes an innovative information systems approach that captures and retain customers. The Starbucks loyalty program allows customers to prepay funds into an account and then, upon purchasing a largesize latte macchiato or other fine beverage, scan their QR code using a smartphone, speeding up the exchange and simplifying the retail process. Mobile payment activity such as this continues to increase year over year. Discuss how Kohl’s is using the same approach to attract and retain customers. List the benefits of these types of information solutions for both the customer and the retailer. Describe any potential issues or drawbacks for implementing such a technology. Describe any newer technologies that might be on the retail industry horizon or are being deployed presently yet are mostly unknown.