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Letter from the editors



                   ur three-part series on the payments jour-
                   ney  ‒  from  payment  acceptance  to  com-
                   merce  enablement  ‒  wraps  up  in  this
        O issue. We appreciate the positive feedback
        you've given us on the first two articles. And we hope
        you find just as much value in the third installment
        herein, which reveals insights industry experts shared
        when we went behind the scenes to speak with inno-
        vative designers and developers who are nurturing
        tomorrow's technologies.

        You'll find more insights and advice from industry
        experts throughout the issue, as well. As usual, our
        fine contributing writers have addressed areas of vital
        concern to the industry's feet on the street: why finding
        the right ISO partner matters, along with assumptions
        to examine and tips on how to avoid common pitfalls
        in the ISO selection process; why it's wise to focus on
        just one thing at a time in all areas, including your
        payments biz; threats merchants in the travel industry
        will face from fraudsters this summer and how to help
        your clients combat them; how to keep your merchant
        customers  happy  to  foster  longevity  and  thereby
        improve your bottom line; and data showing why
        that automated clearing house system may finally be
        reaching its stride.

        We post breaking news on our home page,  www.
        greensheet.com, throughout each week, and this issue's
        news section provides highlights of what we've covered
        lately. Stories delve into the mounting pressures on IT
        professionals, a new mobile payments partnership
        between PayPal Inc. and Wells Fargo & Co., a new
        customer service role for Facebook Messenger bots,
        a report by Experian on increased ecommerce fraud,
        renewed interest in money order fraud, and stepped
        up law enforcement actions and the tough sentence
        imposed on a notorious Russian hacker.

        Also included are new product and company profiles,
        as well as briefs on new developments and milestones
        in the industry, including individual honors, patent
        awards, company expansions, product trials, initiatives
        and campaigns, executive appointments, acquisitions,
        partnerships, and research. One encouraging research
        item came from Wells Fargo, which found that 81
        percent of U.S. companies expect higher international
        business activity over the next 12 months; 68 percent
        expect international revenue increases.

        Are you optimistic about your business prospects
        this year? Why or why not? Share your thoughts and
        concerns with us at  greensheet@greensheet.com. And
        we will always welcome your press releases to press@
        greensheet.com.






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