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January 9, 2023  •  Issue 23:01:01











            The scope of payments 2023: Part 1






                  rining in the new year with generosity, The
                  Green Sheet Advisory Board shared insights on  Some experts spoke to all of the questions; others chose only
                  five sets of questions listed below. This issue  those most relevant to their work. We appreciate all who
        B contains a portion of their responses. Other  participated and wish everyone reading this a prosperous
        members' perspectives will follow in our January 23, 2023  new year.
        issue.
                                                               Mark Dunn
           1. Looking back on 2022, what developments at your   Field Guide Enterprises
           company  are  you  most  pleased about?  What  actions
           brought them to fruition? What did you learn from   1. I work with many small to medium-size ISOs in a
           them? Are you staying the course in 2023, going in a   consulting role. I work with these businesses to overcome
           new direction or charting a course in between? Please   many  of  the  same  challenges  in  2022  as  in  the  past  few
           explain.                                            years:
                                                                  • Price competition and attrition
           2. What emerging technology has caught your eye
           that holds great potential for the payments/fintech    • Building their sales pipeline and building their
           ecosystem? Why is that? Will it be a significant factor in   salesforce and sales agent team
           the coming year or do you expect its full potential to be
           realized down the road?                                • Organic growth vs. acquisition strategies

           3. How well is the industry doing in terms of protecting   • Accessing better solutions that make payments easier
           data and stopping fraud? What can we do better in 2023?  and frictionless both in setup and daily operations
                                                                  • Deciding whether to continue building, merge with
           4. With the upheaval at Twitter being big news during    another company or sell their portfolio
           the last quarter of 2022, we'd like to know what role
           social media plays at your company. What platforms do
           you and your colleagues find most effective and why?
           Are you launching any new social media initiatives in
           2023?                                                 Contributed articles inside by:

           5. A decade ago, the CEO of a top acquirer predicted
           that transformation within the industry would bring   Natasa Cvijanovic .................................................................................28
           about the demise of ISOs and MLSs sooner rather than   Dr. Jack T. Baldwin ................................................................................30
           later. Do you think this prediction will eventually
           become true or do you see a strong future for the feet on   Ken Musante ..........................................................................................32
           the street? Why or why not? What can agents do to help
           ensure their survival in the coming year and beyond?  Robert Ellenhorn ..................................................................................34


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