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        Cover Story                                            Education

          Payments by the numbers: 2017 ................................................1  Street Smarts SM
           By Ann Train                                          What if you had $1 million to invest
           In many respects, 2017 was a challenging year for the United   in a payments business? ..............................................................33
           States. For the payments industry, however, significant progress   By Steven Feldshuh, Merchants' Choice Payment Solutions East
           was made.
                                                                  A call comes in from an angel investor who wants to enter the
        News Briefs                                               payments space. The investor has funds but needs your expertise
                                                                  to bring something unique to the table. What do you do?
          Amazon, Apple remove friction from digital cash ..........10
                                                                 New year, new chargebacks .......................................................36
          EMV sales top mobile on Black Friday 2017 .......................10  By Don Bush, Kount Inc.
          TIO Networks still down, investigation                  For businesses seeking the best ways to protect themselves in
          of breach continues .........................................................10  2018, there are many ways to stay a step ahead of fraudsters to
          Ecommerce embraces brick-and-mortar                     curb chargebacks and remain fraud free throughout the entire
          for customer engagement ..........................................................10  year.
          Discover moves to enhance convenience, security .........10  Feature
          Holiday shoppers favor multichannel retailers ................10
                                                                 Driving the future of payments – 10 mega trends ..........40
          Breaches affect nearly                                  A reprint from First Annapolis Consulting's October/November
          1 in 3 businesses, survey finds ..................................................10
                                                                  2017 Navigator.
          Industry Update ...............................................................................12  Company Profile
        Views
                                                                 Secure CryptoPayments:
          The very point of sale:                                Add cryptocurrency to POS options with ease .................41
          The race to a zero-click economy .............................................18  New Product
           By Dale S. Laszig, DSL Direct LLC
                                                                 Secure, brandable, global prepaid platform ......................42
           Which payment players were first out of the gate in the race to
           zero? Some claim it was MLSs, selling lower and lower rates. Oth-  Inspiration
           ers blame equipment manufacturers for competing on price.  Disarm objections with a preemptive strategy ................43
          Insights from the 2017                               Departments
          Jack Henry Annual Conference .................................................38
           By Brandes Elitch, CrossCheck Inc.                    Letter From the Editors ....................................................................5
                                                                 Spotlight Innovators ......................................................................22
           The 2017 Jack Henry Annual Conference was a comprehensive,   Resource Guide .................................................................................44
           four-day presentation on current issues in commercial banking
           and payments that offered good insights for the acquiring sphere.  Advertiser Index ...............................................................................54




























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