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Letter from the editor



                 verything about digital commerce is evo-
                 lutionary, down to its most fundamental
                 binary code, so begins this issue's lead arti-
        E cle. The same can be said of the payments
        industry overall. It is nothing if not evolutionary.
        Long-time industry veterans recall the days when
        knuckle-buster receipt imprinters and xeroxed lists
        of fraudulent card numbers  represented the extent
        of sophistication required of a new line of entrepre-
                                                                Howdy
        neurs: the ISOs and merchant level salespeople con-     Howdy
        vincing merchants to accept those newfangled things
        called credit cards.
                                                                Y’all!
        Fast  forward  through  multiple  iterations  requiring   Y’all!
        numerous adaptations in all corners of the industry,
        and you find transformations occurring at lightspeed
        due to technologies that, while complex, are so seam-
        less, we don't notice them in action. This issue's lead,
        the second article in a two-part series on the frame-
        works and building blocks of the technologies we
        depend on, explains in layman's terms how security
        experts are editing these technologies to create a new
        generation of post-quantum cryptography—some-
        thing the first ISOs and agents probably never con-
        templated while on the job.
                                                                 ’
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        Technology is also central to our ongoing news cover-   I’m working hard to help you increase
        age. In news briefs, for example, we report on grow-             y o ur b o t t o m line t o d a y!
                                                                         your bottom line today!
        ing interest in payments within the metaverse, partic-
        ularly among younger generations of consumers; the
                                                                                     o B
                                                                                           ull
                                                                                  N
        upcoming MPC: The Digital Commerce Event, which                           No Bull
        will explore the theme "currency of change"; the Pay-
        ments Choice Act's addition to the National Defense
        Authorization Act; and how researchers and fintechs        Customized advertising campaigns
        are finding help amid high inflation.
        Technology is also affecting consumer spending             to fit any size company and budget.
        habits this year, a topic explored by one of our con-       • Spotlight Innovators’ Pages
        tributors. Topics discussed by other experts featured
        herein also hinge on technology: the need to assess            (frequently updated content)
        whether you've adapted your sales approach, so you          • Print (various size options)
        can remain relevant amid significant industry trans-
        formation; why retailers need to identify and use           • Resource Guide listing
        seasonal sales trends; and the accelerating decline of         (print/online/front page options)
        check payments.
        If you're looking for new products using breakthrough       • Email Blasts (to GS readership)
        technologies or potential partners who've harnessed
        technology effectively, we've got you covered in our        • Online (website/twice monthly magazine)
        product and company profiles, as well as in our Re-         • Video
        source Guide and media placements. Plus, we offer
        updates on milestones of interest, including awards         • Bundle advertisng campaign discounts*
        for, you guessed it, stellar uses of technology, along
        with compelling research, innovative partnerships,
        ambitious acquisitions and the latest appointments.         Rick Aston
        Are there topics  you'd  like to see us cover more                 Senior Media Partnership Specialist
        fully, or do you have company news to share with
                                                                          707-284-1693
        the payments community? Please send your ideas to                 707-284-1693
        greensheet@greensheet.com, and your press releases to
        press@greensheet.com.
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