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Letter from the editors                                    What are you
                                                           waiting for?
U .S. consumers will turn to mobile devic-
                es in impressive numbers for brows-        Let me help you increase your
                ing and price comparisons this holiday            bottom line today!
                season: more than 75 percent will be
scrolling their bite-sized screens for deals, up from      We make it easy for you to reach your
58 percent during the 2015 winter holiday season,          target audience with a personalized
according to recent research. But when it comes to         custom advertising campaigns to meet
pressing those Buy buttons, most consumers aren't          your companies individual needs today.
yet prepared to take that leap. However, that doesn't
mean mobile payments aren't making great strides.          • Spotlight Innovators’  • Resource Guides
Enticing options are proliferating, and it appears to         Web Pages                (multiple options
be a matter of when, not if, all pieces of the mobile                                  available)
payments puzzle will be in place to take mobile pay-       • Custom Videos
ments fully into the mainstream. This issue's lead            (multiple level       • Print advertising
article details the latest mobile payment develop-            options available)       (multiple options
ments and what is likely to happen next.                                               available)
                                                           • Targeted Email
Complementing the lead article is a feature                   Campaigns             • Online advertising
discussing new findings from Javelin Strategy &
Research and from Zenith indicating smartphone                       Danielle Thorpe
ecommerce is on the rise. Also gaining strength are
the push for real-time payments and the promise of                                AVP Media Partnerships
biometrics for better authentication, both of which
are explored in our Views section. Independent                 Call me for details
software vendors are also a growing presence in
payments, and you'll find herein a look at ISV-                707.284.1686
payment company partnerships.
                                                           DANIELLE@GREENSHEET.COM
Educational articles present substantive ideas and
perspectives for the industry's feet on the street: the                                                                              5
benefits of dropping high-pressure sales tactics and
modeling yourself after a medical doctor instead;
how to recognize and combat the various types of
friendly fraud; the benefits of re-evaluating and
changing the way you use time; and a look at what
gateways do and what to watch for when contracting
with gateway service providers.

The News section articles report on the increased
number and sophistication of card-not-present
fraud; a call to take specific steps to protect data this
holiday season; what cannabis-related businesses in
California are doing to comply with bank, taxation
and payment processing laws; and Vantiv's planned
acquisition of Moneris USA. In addition, you'll find
news briefs on significant industry and payment
company milestones, relevant research, and new
partnerships, acquisitions and appointments. And
new product, industry leader and company profiles
round out the mix.

We hope you find this issue informative and useful.
We will soon embark upon a new year, and the way
the industry moves at lightning speed, it's bound
to be exciting. Let us know what your plans are at
greensheet@greensheet.com. And please continue to
send your news to press@greensheet.com.
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