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Letter from the editors Let us

W ith the close of 2016 drawing near, we help you
took a look at some of the major trends increase your
and events of the year and pulled the bottom line
highlights together in our traditional today!
year-end wrap-up article. On just about every front in
payments, the movers and shakers in the industry are Customized advertising
making things happen; outside forces, too, are influ- company and budget.
encing our realm. From major acquisitions and mobile
commerce breakthroughs; to progress and challenges *Print ( various sizes)
associated with EMV and PCI; to legal and regulatory *Online
actions affecting specific companies, as well as the *Video
industry as a whole; to the expanding role of payment
pros; 2016 has been one dynamic year. *Resource Guide

And as we combed through articles and studies, and (print/online/front page)
recalled email and phone conversations we'd had over
the past 12 months, we were filled with gratitude for *Email Blasts
the support we've received from our readers, adver- *Spotlight Innovators Pages
tisers and advisory board members in our mission to
provide a truly useful resource for the industry's feet *Bundle package
on the street and other payment professionals seeking discounts
to make a great living while also fostering best prac-
tices among their peers. Call today!

We can't talk about gratitude without mentioning our 707-284-1686
contributing writers. Throughout each year, they fill
our Education and Views sections with relevant, ac- Danielle Thorpe
tionable information and advice. In this issue, you'll
find articles on the Consumer Financial Protection AVP Media Partnerships
Bureau's new regulations for prepaid accounts, new 5
developments in multifactor authentication, applying
a few lessons from puppy training to teaching new
agents, and how minimalism can lead to financial
freedom.

Other articles delve into a new digital management
platform that could spur users to forego physical wal-
lets, new Payment Card Industry Data Security Stan-
dard guidelines published to help organizations un-
derstand how to segment cardholder data, Office of
the Comptroller of the Currency's paper on granting
special purpose bank charters to fintech companies,
an EMV compliance deadline extension to October
2020 for petroleum dealers, and the record-breaking
ecommerce transactions reported for the post-Thanks-
giving kickoff of the holiday season.

In addition to informative profiles and product sto-
ries, you'll also find briefs on individual and compa-
ny milestones, including office expansions, awards,
investments, legal settlements, new guidelines, re-
search, partnerships, acquisitions, appointments and
more. We hope you had your share of professional
milestones in 2016 and hope we've been an aid to you
along the way. Let us know how we can be of further
help to your career at greensheet@greensheet.com. And
keep sending your news to press@greensheet.com.