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        sales calls, can highlight responsiveness and capabilities.   interaction. James Bradley, business development director
        "Instant, AI-driven statement analysis is an essential tool   at DivideBuy, attributes the global popularity of buy now,
        for understanding margins and profit potential," he said.   pay later solutions to consumer demand for convenience.
        "It can be used to target different industries and use cases
        while accelerating sales and reducing time to market."   "Consumers are increasingly making the most of online
                                                                shopping, one-click checkouts, next day delivery, and any
        Personalized                                            other service or function which gets them the products
        AI and real-time data analysis can drive personalized   they want faster and with the least amount of effort,"
        offers to consumers who opt in to receive special discounts   Bradley said, adding that POS finance evenly spreads a
        via email, SMS and mobile apps. Dinesh Saparamadu,      purchase into manageable installments, making big-ticket
        founder  and  CEO  at  Applova,  has  found  app-based   purchases more affordable.
        loyalty programs an effective way to entice customers   New transactional selling
        with freebies and member-only deals. "When merchants
        own their customer data, they can create segmented,     Recent challenges have brought out the best in us
        targeted promotions while fully controlling the customer   and set the stage for a new year filled with progress,
        experience," he said. Are you leveraging merchant data   economic recovery and innovative payment solutions.
        to personalize and tailor product and service offerings?   As microcosms of our solutions, electronic transactions
        Advanced technologies make it easier to customize       reflect how far we've progressed in the payments industry
        proposals and bundle ancillary services such as loyalty,   and model meaningful new ways of transacting with
        gift and rewards programs to a prospect's unique        merchants and partners. Here's to your continued success
        requirements.                                           in 2022.
        Flexible
                                                                Dale S. Laszig, senior staff writer at The Green Sheet and managing
        Merchants also want to personalize the checkout         director at DSL Direct LLC, is a payments industry journalist and content
        experience  according to individual  customer needs     strategist. Connect via email  dale@dsldirectllc.com, LinkedIn www.
        by  offering attractive,  extended terms at the point of   linkedin.com/in/dalelaszig/ and Twitter@DSLdirect.
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