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the Big Deal?" VizyPay representatives wrote, "Did you
The very point of salery point of sale know that for every $100 you spend at a local business,
The ve
approximately $68 of that will stay in your community?
Although building the local economy is a vital aspect, it
is just one of the reasons supporting small businesses is
essential for your community!"
Update your sales Automated

Automating repetitive tasks frees merchants, such as
playbook those offering accounts payable, accounts receivable and
advanced fraud prevention solutions, enables merchants to
By Dale S. Laszig focus on high-value activities. Automation is a useful tool
that can keep merchants and service providers profitable
DSL Direct LLC and worry-free. In a Dec. 6, 2021, Forbes article, "The
Autonomy of Automation," Thomas Aronica, founder and
othing ever really goes away in payments, not CEO at Biller Genie, noted that software never sleeps, gets
even the Zon Jr XL. Old ways fade from view sick or forgets. Automated solutions enable you to "remind
with each passing trend but never completely your customers when invoices are due, gently nudge them
N disappear. Merchants hold on to outdated sys- when they're overdue and even close the loop once they've
tems; merchant level salespeople (MLSs) tell the same sto- been taken care of — consistently," he wrote.
ries. New technologies coexist with incumbent solutions.
And yet, somehow, innovations shine through, making Compliant
electronic transactions richer, stronger and more complex. The Payment Card Data Security Standard (PCI DSS) is
designed to protect payment card data, and it constantly
Today's transactions look nothing like yesterday's auth- evolves in response to existing and emerging threats.
and-settlement clicks. Unattended, multicultural and Christopher Bulin, founder and chief visionary officer
deeply embedded in the customer experience, transactions at Proven PCI Inc., is committed to advancing PCI
no longer depend on single-use platforms or merchant compliance education and transparency. Bulin noted that
operators. With rich capabilities such as these, is it any effective service providers guide merchants through the
wonder that transactions are helping everyone in the Self-Assessment Questionnaire (SAQ) and are transparent
commerce value chain do more with less? about their PCI Attestation of Compliance (AoC). "Service
Transactional versus consultative providers that tell merchants to just check yes or no on the
SAQ are coercing them into falsifying documents, which
Transactional selling, which tends to focus on short-term is a breach of their merchant services agreement," he said.
gains, was effective in moving merchants from paper to
electronic commerce and mag-stripe cards to EMV. Today AI-driven
we need a more consultative approach. Our COVID-fueled Artificial intelligence can authenticate customers and
analog-to-digital movement presents multiple options unlock transactions to reveal customer insights. These
for expanding customer reach and is more complex than capabilities are shaping security, risk management and
earlier merchant migrations. customer relationships, according to Will LaSala, director
of security solutions and security evangelist at OneSpan.
In this complex landscape, without a straightforward "There's too much data for financial institutions to deal
path from Point A to Point B, consultative selling can with and much of that data is siloed," LaSala said. "For
help MLSs and merchants assess needs and create the example, if you go to an ATM versus doing online banking
right mix of virtual, digital and in-app commerce. With versus visiting a bank branch, those are three distinct
a bit of ingenuity, you can align your selling style and applications using data and rules only work when the
value proposition with our industry's expanding menu of same data is being analyzed at once, but an AI can look at
services. In short, we can be less transactional but more everything you're doing in real time."
like today's transactions. Following are some examples.
Immediate
Embedded
Immediacy is a hallmark of digital commerce, where instant
Embedded payment credentials create a frictionless approvals and customer onboarding can create safe, fast,
customer experience through single-click and mobile frictionless transactions. Deep integrations create agile
checkout, ride hailing, ordering ahead, curbside pickup payments, eliminating friction points between technology
and other digital commerce trends. Embedding yourself in platforms and service providers. Advanced technologies
a community or industry builds relationships and fosters enable service providers to respond to challenges and
trust. VizyPay explained its Look Local First movement in opportunities. Adrian Talapan, co-founder and CEO at Fee
a Sept. 14, 2021, blog post titled, "Supporting Local; What's Navigator, noted that instant proposals, delivered during

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