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Letter from the editors

Competition is fierce, technology is evolving at a What are you
rapid clip, and consumer expanded preferences
regarding how and when to shop make preparing for
the upcoming holiday season for both merchants and
acquirers a very different game than it was only a few waiting for?
short years ago. What remains the same, however, is
the importance of the year-end shopping period to
retailers' bottom lines.

Womply recently found that small retailers pulled in 11
percent of total yearly sales between Thanksgiving and Let me help you increase your
Christmas in 2017. And in a new study, BigCommerce
researchers discerned growing demand for advanced bottom line today!
technologies among merchants. This need has caused
some retailers to strategize further in advance than
previously on how to deploy new tools and methods to We make it easy for you to reach your
maximize their share of spend by customers seeking target audience with a personalized
gifts and other seasonal items over the holidays.
custom advertising campaigns to meet
This issue's lead feature discusses how early
strategizing is helping acquirers and merchants your companies individual needs today.
prepare to take full advantage of technologies at their
disposal to crush the holidays and position them to • Spotlight Innovators’ • Resource Guides
begin 2019 far into the black. In the article, you'll hear Web Pages (multiple options
from experts on how to boost engagement, leverage available)
big data, reinforce security, manage cash flow and • Custom Videos
more. Experts also sound off on several other issues (multiple level • Print advertising
herein. Some are evergreen for our industry; others options available) (multiple options
pertain to new and evolving developments. Among available)
them are the advantages of knowing your competitors, • Targeted Email
setting up electronic benefits transfer payments, the Campaigns • Online advertising
enduring value of old-fashioned phone conversations,
thinking beyond point of sale to point of interaction,
and consumers' likely willingness to bear costs of
paying with cards.

Along with our usual updates on appointments,
acquisitions, partnerships, awards, research, new
products, and other compelling developments in
payments, we've included excerpts from recent
news stories: AmEx under scrutiny for alleged
foreign exchange scam; Consumers, issuers really
love debit; WSAA 2018 charts payments' new
horizons; Mastercard, Visa offer new terms to settle
interchange lawsuit, NRF balks; Cash discounting
gains momentum, backlash; NACHA takes steps
advancing same-day ACH; and Stripe advances into
POS, financing. You'll find the full stories, along with Danielle Thorpe
additional news under Breaking Industry News at
www.greensheet.com. AVP Media Partnerships

Do you have news for us? Please send your release Call me for details
to press@greensheet.com. And remember, we are here
to serve the payments community's educational
and professional development needs. If you have 707.284.1686
questions or comments on this issue, bold ideas for
future issues, or other helpful feedback, let us know at DANIELLE@GREENSHEET.COM
greensheet@greensheet.com.

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