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Letter from the editor




                                                                Empowering  & Connecting



                     ith the new year now in full swing, we                                  today’s
                     continue to share perspective on what
                     is likely to unfold in the coming year,                              payments
        W with  particular emphasis on  develop-
        ments in digital commerce, and how they are likely to                          professionals
        impact the next generation of the ever-changing pay-
        ments sphere. This issue's lead article, the second in
        a two-part series, shares insights on agility and trans-
        parency, the third and fourth pillars of digital com-
        merce. The first two pillars, security and intelligence,
        were discussed in the lead article of our Jan. 10 issue.

        Contributors to our Education and Views  sections
        share expertise from long-time payments veterans, as
        well as from younger leaders who, despite far fewer
        years in the industry, are making huge waves in areas
        that are ripe for innovation. The topics they explore
        include where to find opportunities during this time
        of uncertainty brought on by the pandemic; the need
        to offer barkeeps more payment solutions that can
        help them with difficulties, particularly authorization
        issues, which plague their own and similar business
        types; some obvious and not so obvious things that           • Spotlight Innovator
        changed online fraud in 2021; the appeal and benefits          Web Pages: Capture prospects with
        to merchants and shoppers of interest-free financial           branded, customized web pages for
        at the POS; and the latest market gains and losses for
        various transaction types such as ACH, contactless,            innovators and leaders.
        CNP, and the newcomer graining traction: crypto.             • Video Content Marketing: Educate
        Topics covered in News Briefs include inroads cryp-            and impress with animation and
        tocurrencies are making into mobile wallets; Master-           white-board explainer videos.
        card's report on year-end holiday spending, which
        exceeded analysts' expectations by a margin of 8.5           • Resource Guide: Grab attention with
        percent; a bold move by fintech startup lopay to chal-         advanced mini ads in print and
        lenge the likes of SumUp, Zettle and Square; a new             online.
        report from the Fed on changing consumer payment
        preferences; and the debut of holiday season tap-and-        • Targeted Email Campaigns: Reach
        go donations. Additional news stories are posted on             responsive professionals who know
        our homepage, www.greensheet.com.
                                                                       and trust The Green Sheet.
        You'll also  find  one reader's  insights  on the role  of
        compliance dashboards, as well as company and                  Rick Aston
        product profiles that just might be a good fit for your
        partnership or product offering needs. Plus, we've in-               Senior Media Partnership Specialist
        cluded plenty of updates on recent awards, litigation,
        certifications, government initiatives,  rebrandings,              Rick @greensheet.com
        industry research, partnerships, acquisitions (an area
        where we've seen increased activity lately), and ap-
        pointments. Congratulations to all who are celebrat-                707-284-1693
        ing milestones already so early in the year. Please
        continue to send your news to  press@greensheet.com,
        and to be featured in Readers Speak, send an essay
        on a current development in payments to greensheet@
        greensheet.com.
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