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Letter from the editors

Empowering & Connecting
ho cares most about real-time payments,
the distinctions between real-time and
faster payments, and whether new today’s
W options such as RTP and FedNow will
replace legacy card payment schemes? It's not consum- payments
ers. They aren't concerned with how long it takes funds
to be deposited in a merchant's account after they've
completed a purchase. And from a P2P perspective, professionals
consumers' Venmo and Zelle transactions look instan-
taneous.

But that's OK, because real-time payment schemes do
far more than facilitate lightning-speed payments for
buyers and sellers. They also provide a wealth of real-
time information to merchants and acquirers that can
improve security, control, efficiency and transparency.
This issue's lead article discusses all of this in detail,
sharing telling research and perspectives from leading
experts in the developing realm of real-time and faster
payments.

You'll also find herein a primer on merchant cash
advance, a vital sector that continues to evolve to better
serve a diverse market in need of capital; the story of a
new merchant level salesperson's journey in payments
and the benefits to ISOs of grooming agents new to the • Spotlight Innovator
industry; the opportunity awaiting small and midsize
merchants in the global market for distinctive, high- Web Pages: Capture prospects with
value goods sold online; and the rationale for why SMB branded, customized web pages for
service providers should think and act more like large
enterprises. innovators and leaders.

And while not every day brings us a momentous news • Video Content Marketing: Educate
story, our dynamic realm does produce more news of and impress with animation and
note than so many other sectors. Stories highlighted
in News Briefs include a ruling in favor of USAA white-board explainer videos.
in a lawsuit filed against Wells Fargo & Co. over • Resource Guide: Grab attention with
USAA's patented remote deposit capture technology;
unsettling trends found in security breaches; New York advanced mini ads in print and
City's affirmation of consumers' right to pay with cash online.
at stores and restaurants; Worldline's acquisition of
Ingenico, creating one of the largest payment services • Targeted Email Campaigns: Reach
providers in Europe; and the Northeast Acquirers
Association's 35th annual show, the first in the year's responsive professionals who know
regional acquirers' circuit. and trust The Green Sheet.

The updates included run the gamut from significant
investments to awards for creating an excellent work Danielle Thorpe
environment, from reports on underserved consumers
to predictions on 5G's coming impact on sports AVP Media Partnerships
betting, and from partnerships to improve security
and efficiency to appointments to expand acquiring https://www.linkedin.com/in/daniellethorpe/
relationships and break new ground in lending.

Remember, we are here to empower you and connect 707-284-1686
you with key people and resources in payments. Tell us
how we can help at greensheet@greensheet.com.

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