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InsideGS
Cover Story Features
Non-payment mobile options 2016 ISV study................................................................................... 42
popular this holiday season...........................................................1 A reprint from First Annapolis Consulting, M&A Advisory Services.
By Patti Murphy Company Profile
The NRF expects retail sales in the United States to total $665.8 Digitzs:
billion this holiday season, a 3.6 percent jump over 2015. But don't Helping high-tech firms collect payments........................... 31
expect mobile payments to be a big part of that mix.
Education
News
Street SmartsSM
Holiday season brings tidings of CNP fraud...................10 Sales as a healing profession...................................................... 38
Security analysts saw a spike in legitimate and fraudulent transac-
tions during the third quarter of 2016, a typically quiet period. By John Tucker, 1st Capital Loans LLC
Criminal attacks are more frequent and sophisticated. To many sales professionals idolize characters from finance-related
feature films who promulgate high-pressure, unethical sales prac-
Tripwire, Verizon advocate cyber-readiness....................... 11 tices. It's time to embrace a new role model.
The National Retail Federation projected a 3.6 percent increase in
2016 retail holiday sales, and leading security firms are warning Legal ease:
companies to protect their data. Gateways rising................................................................................. 40
By Adam Atlas, Attorney at Law
California vote bumps pot toward legitimatization........ 12 Until recently, gateways were perceived as the dull plumbing of pay-
California passed Proposition 64, an initiative to legalize adult ment processing, maintaining the "pipes" through which payment
marijuana use. Cannabis-related businesses must comply with all transaction data travels. Not so today.
relevant banking, taxation and payment processing laws.
The friendly fraudster:
Vantiv growth plans to include Moneris USA..................... 13 Your merchants' worst frenemy.......................................44
Vantiv Inc.'s planned acquisition of Moneris USA for $425 million is
the latest conquest for the Cincinnati-based payments acquirer. The By Evi Triantafyllides, PAAY LLC
deal is expected to close in the fourth quarter of 2016. Fraud is an infuriating and costly nightmare for merchants and their
processors. And the online world is especially hard hit – at a rate
Industry Update................................................................................ 14 that is accelerating. But there is something you can do.
Views Expand your time..............................................................46
By Steven Feldshuh, Merchants' Choice Solution East
The very point of sale:
Payments are live............................................................................. 20 One of the most precious commodities we don't have enough of is
time. How we treat the time we have will make a difference in our
By Dale S. Laszig, DSL Direct LLC well-being, relationships and income level.
Earning an acronym in payments is the ultimate high-five. And the
real-time payments (RTP) movement is gaining worldwide momen- New Products
tum as real-time capabilities advance the RTP concept.
Personalized, mobile, in-store shopping.............................. 48
Biometrics hot at Money20/20................................................... 23
By Peggy Bekavac Olson, Strategic Marketing EMV-certified reader for smartphones, tablets, PCs....... 49
Money20/20, held in October in Las Vegas, is known as the world's Inspiration
largest payments and fintech event of the year, and 2016 appears to Boundless creativity....................................................................... 50
have been the year of biometric authentication.
Departments
Features Letter From the Editors.....................................................................5
Meet the Expert: Readers Speak.......................................................................................8
Daria Rippingale............................................................................... 25 Resource Guide.................................................................................. 52
Advertiser Index................................................................................ 62
An interview with Green Sheet Advisory Board member Daria Rip-
pingale.
Mobile Buzz:
Smartphone ecommerce on the rise....................................... 27
Growing smartphone saturation and increased comfort with using
them for payments are contributing to a surge in mobile ecom-
merce via apps and browsers, researchers found.
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