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Letter from the editors



                 he year ending as we prepare our final
                 issue of 2017 has been highly challenging,
                 as well as rewarding. Given developments
        T both man made and otherwise, the past 12
        months have been a reminder of how essential it is to
        question assumptions and be flexible enough to meet
        unexpected events, both positive and negative.  At
        this time of year, we typically assess what has gone
        well and what needs improvement in our businesses,          OF A RESOURCE
        assess how the economy and payments, in particular,
        are likely to unfold in the coming year, and then plan
        accordingly.                                                GUIDE RGXL AD

        Devising and executing a plan requires many things,
        among them vision, knowledge, motivation and data.            Viewable: In Print, Online,
        Throughout each year we strive to provide informa-
        tion that contributes to you, our readers', industry             and Front Page Option
        knowledge and helps inspire you to create and follow
        clear avenues toward success. The lead article in this
        issue offers solid data on key developments and trends
        in payments in 2017. From acquirers' earnings to M&A
        activity to data security and ecommerce innovations,
        the article provides a snapshot of the year and is de-
        signed to aid in your planning for the year to come.

        Contributing writers have also provided thought-pro-
        voking articles on the 2017 Jack Henry Annual Con-
        ference, the race toward a zero-click economy, how to
        stay a step ahead of fraudsters in 2018, opportunities,
        and issues that arise when an angel investor calls and
        asks you to help identify and create a revolutionary
        product or service and then bring it to market.
                                                                      •  Ability to purchase on a quarterly basis.
        News stories recently posted under Breaking Industry            Great for short term contract/test runs
        News and excerpted herein cover such developments               of new products or services.
        as removing friction from digital cash, EMV gains
        during the holidays, a continuing investigation of the        •  Great way to close out your yearly
        TIO network breach, ecommerce merchants' moves                  advertising accounts and start fresh
        into brick-and-mortar stores, and more. And no issue            for the new year.
        of The Green Sheet would be complete without prod-
        uct and company profiles, along with briefs on new            •  We have quarterly payments
        industry research and developments, as well as your             schedules available.
        business milestones, including honors, card brand re-
        quirement changes, partnerships, acquisitions and ex-         •  Discounts are given for long term
        ecutive appointments.                                           contracts & multiple listings.

        As we bid farewell to 2017, we look forward to continu-
        ing to foster your success in the payments business.          Call today for more details
        Why not stop in at the MLS Forum and contribute your
        ideas to the lively discussions there? Members find in-                   Danielle Thorpe
        formation and advice there aplenty. Also, keep those
        press  releases  coming  to  press@greensheet.com,  send                       AVP Media Partnerships
        feedback to greensheet@greensheet.com, and take good
        care of yourself as you ring in a fresh, new year.   .             707-284-1686




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