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        Cover Story                                            Features

          Talking the talk ....................................................................................1  The Mobile Buzz:
           By Patti Murphy                                       Mobile augments shopper loyalty ..........................................46
          Card acquiring has its own vernacular, and The Green Sheet regularly   Certain types of rewards strongly influence where, when and how
          publishes glossaries specific to payments and other acquiring activi-  frequently people shop. And engagement is rising in-store and
          ties. Herein is our latest industry glossary.          across channels among grocery shoppers.
        News                                                   Company Profile

          Wal-Mart ends Visa debit moratorium in Canada ...........9  ClearSale S.A.:
          Wal-Mart and Visa appear to have settled differences over PIN debit   Clearing online sales hurdles  ....................................................31
          in the Canadian region, but the mega retailer remains concerned   Education
          about interchange pricing throughout the globe.
                                                                 Street Smarts SM
          Ecommerce drives global economic growth .........................9  Mind your mental health .............................................................37
          Ecommerce may have a greater impact on economic growth than   By John Tucker, 1st Capital Loans LLC
          physical goods in the post-industrial world, according to a new   Some folks in our space are battling: mental health conditions.
          report published in December 2016 by McKinsey Global Institute.  Whether or not you have an issue, there's nothing wrong with doing
                                                                 routine, annual or biannual mental health examinations.
          Double-digit growth in 2016 holiday spend ......................10
          Incoming reports on the post-holiday season show double-digit   One merchant's brilliant solution for
          growth in all areas of retail, from mom-and-pop merchants to the   shopping cart abandonment .....................................................40
          world's largest retail brands.                          By Chris O'Donnell, Instabill Corp.
                                                                 Shopping cart abandonment is a universal challenge for ecom-
          Frost & Sullivan probes cybercrime in APAC region .......12  merce merchants. One such merchant came up with a solution that
          In a recent study on cybercrime in the Asia Pacific region, Frost &   brings consumers back to abandoned carts.
          Sullivan identified eight predominant schemes criminals used to
          gain unauthorized access into business networks.       Legal ease:
                                                                 ISO portfolio seller's checklist .........................................42
          Industry Update ...............................................................................14  By Adam Atlas, Attorney at law
        Views                                                    After weighing the advantages and disadvantages of selling, an ISO
                                                                 portfolio seller needs to consider several key items before, during
          Very point of sale:                                    and after a sale.
          Payments' accidental ecosystem..............................................21
           By Dale S. Laszig, DSL Direct LLC
          As payments evolved from phoned-in authorizations to modem-  New Products
          driven electronic transactions, each discovery brought new efficien-  Unplugged, portable, touch screen POS ..............................48
          cies and revenue streams. Today, the evolution continues.
          In defense of processor increases ............................................28  Driverless, multifunctional,
           By Steven Feldshuh, Merchants' Choice Payment Solutions East  networked check scanner ............................................................49
          ISOs and MLSs are partly responsible for processor cost increases,   Inspiration
          having raced to lower merchant rates, even if it means the money
          earned from residuals is not worth the time.           Let new ideas flow ...........................................................................51
          2017: Three predictions and a little advice .........................44  Departments
           By Evi Triantafyllides, PAAY                          Letter From the Editors ....................................................................5
          At the start of a new year, people reflect upon the main topics of in-  Readers Speak ......................................................................................8
          terest over the past year and predict what the new year has in store.   2017 Calendar of Events...............................................................50
          This article considers what 2017 may hold for payments.
                                                                 Resource Guide .................................................................................52
        Features                                                 Advertiser Index ...............................................................................62

          Meet the Expert:
          Lane Conner .......................................................................................24
          An interview with Green Sheet Advisory Board Member Lane
          Conner.



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