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Letter from the editor

he Federal Reserve's FedNow real-time
payments service is expected to go live in
mid 2023, and other providers have rolled
T out or are preparing to launch services
designed to provide a faster, more efficient way for
consumers and businesses to make and receive pay-
ments than traditional debit and credit cards.

This will change the payments landscape as we
know it today, as people increasingly rely on digital
wallets and other mobile forms of payment for
convenience. Not to be left out, J.P. Morgan Chase,
one of the largest acquirers, is among the numerous
financial institutions now pursuing some form of
real-time payments. Indeed, when news broke that
J.P. Morgan had invested in initiatives that could
displace traditional debit and credit card payments,
some observers took it as a sign the acquiring giant
would ultimately abandon card payments.

The truth, however, is more synergistic than that:
research indicates old and new forms of payments
are positioned to coexist, at least for the time being.
And it is this coexistence that this issue's lead feature
Season’s Greetings!
explores. Season’s Greetings!
Topics explored by our contributors include ChatGPT
and other computer-generated content that is
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strikingly similar to human-generated content and I’m working hard to help you increase
how these and other tools might shape the future of
your bottom line today!
payments; hard-earned lessons about communication y o ur b o t t o m line t o d a y!
skills and adaptability in building relationships;
advice from long-time industry experts on what it takes
to succeed in payments; important things to consider Customized advertising campaigns
before using alternative funding services to pursue to fit any size company and budget
new verticals; and ways to prevent chargebacks when
a tip amounts to more than 20 percent of a purchase, • Spotlight Innovators’ pages
something that increases during the holiday season
when people give a boost to front-line workers and (frequently updated content)
service professionals who serve them throughout the • Print options (various size options)
year.
• Online options (website/twice month email)
News stories highlighted herein cover a partnership
that enables a non-financial institution to issue its own • Resource Guide listing
revolving credit card via mobile app; the 2022 FinTech
Connect conference, which was held in person and (print/online/front page (option))
addressed political and economic issues; the increase in • Email Blasts (to GS readership)
consumer spending from Thanksgiving Day through
Cyber Monday; rising layoffs and a corresponding • Video (website)
reliance on unattended technology investments;
and the Electronic Transactions Association's call for • Bundle advertisng campaign discounts
nominations for its annual awards program.
We hope you also enjoy the updates and company Rick Aston
and product profiles included in our last issue of Senior Media Partnership Specialist
2022 and that your year ahead is full of promise
707-284-1693
and keen strategic plans. Please send feedback 707-284-1693
to greensheet@greensheet.com and your news
to press@greensheet.com.
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