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Cover Story Feature

Open banking: change is coming, slowly ............................28 The Green Sheet Advisory Board
By Patti Murphy What it takes to thrive in payments today – Part 2 .........44
Open banking, which facilitates consumer-authorized sharing of In this second of three installments, experts weigh in on what pay-
bank account information with nonbanks, is well underway in the ment pros need to succeed in a world where simple terminals and
U.K. and European Union. Will the U.S. market embrace it? the best pricing aren't enough to attract and retain merchants.
News Briefs Education

SM
Mercator links API growth to Street Smarts Archives
open banking platforms ..............................................................10 The sky is falling if you believe it is .........................................45
TSG TruShop brings mystery By Jason Felts, Advanced Merchant Services Inc.
shopping to acquiring industry ......................................10 Many MLSs are winning new business today. What's their secret?
Their secret is not a secret at all. They planned for success, and
POS tablets outshine mobile then executed their plans.
wallets, ShopKeep finds ...............................................................10
Fiserv, Rippleshot tackle early breach detection .............10 Signing isn't the be all, end all ..................................................46
By Jeff Fortney, Payments Professional
Is VR commerce the next frontier in payments? ...............10
Signing a new merchant account is not yet a successful sale. There
Deutsche Bank, IATA launch PSD2-friendly program ....10 is no value until the merchant begins processing and continues to
First Data streamlines robust ISV offering ..........................10 process for a period of time.
Wells Fargo aims to wow and retain customers ................12 Put investment capital to work to
Apple, Goldman Sachs co-branded card underway .......12 create long-term value..................................................................48
By Adam Hark, Preston Todd Advisors
MCA comes of age at Broker Fair 2018 ..................................12
Investor interest is keen in merchant acquiring. How can payments
Industry Update ...............................................................................16 enterprises optimize return on investment capital to achieve
Views meaningful growth and long-term value?
New Product
The very point of sale:
57 mobile channels and nothing on .......................................24 Android-based, all-in-one business
By Dale S. Laszig, DSL Direct LLC management solution ...................................................................50
Having too many apps is one of many holdups for mobile wallets Inspiration
in the United States, according to a study by the U.S. Payments
Forum. Merchants are finding consumers are key to adoption. The person behind the role ........................................................51
Sorting reality from hype in payments' new era ..............28 Departments
By Brandes Elitch, CrossCheck Inc.
Letter From the Editors ....................................................................5
Energy and excitement abound in the payments space today. It's Readers Speak:
difficult for even a seasoned participant to keep track of develop- What is a 'Beneficial Owner'? ........................................................8
ments or separate hype from reality.
Spotlight Innovators ......................................................................36
Company Profile Resource Guide .................................................................................52
Advertiser Index ...............................................................................62
Priority Payment Systems Northeast:
Responsive technology, agile sales force ............................31

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