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Letter from the editor

ow will we achieve effective verification,
authentication and fraud detection in a
world where users expect instant credit
H decisioning, 24/7 customer service and
real-time payments, a world where fraudsters and
security experts use the same technologies to achieve
opposing ends, and where criminals often seem to be
one step ahead of efforts to protect the identities we
depend on both as professionals tasked with protect-
ing all transaction data and personally identifiable
information entrusted to us, and as individuals need-
ing to protect our own PII from theft and deployment
for nefarious ends?

Experts are tackling aspects of this critical challenge
from a variety of vantage points, and this issue's lead
article is the first of a two-part series that delves into
this ongoing battle, sharing insights and new devel-
opments from those taking leadership on the front
lines.

Amid constant challenges, merchant service provid-
ers are helping merchants safely remove friction to
improve their bottom lines. One contributor to this
issue explained why payments professionals should Bridge the Gap
apply the same expertise to their own businesses. An- between your
other contributor suggested that too often profession-
als in our industry sign agreements without under- advertising dollars
standing the terms, resulting in expensive, painful
separations, and to avoid this they should understand and bottom line
from the outset the document and partner they are
committing to. Other experts delved into the agree-
ment the Canadian government, Visa and Mastercard Customized advertising campaigns
negotiated to lower credit card interchange fees paid
by about 90 percent of small businesses in Canada; to fit any size company and budget.
how digital currency can be useful to a wide sector of
the population, including the underbanked; and us- • Spotlight Innovators’ Pages
ing tactics that fit with your strategy to make the most (frequently updated content)
of your marketing efforts.
• Print (various size options)
In addition to Industry Update, which covers recent • Resource Guide listing
appointments, partnerships, acquisitions, research,
awards and other milestones in payments, News (print/online/front page options)
Briefs highlights recent stories posted online. These • Email Blasts (to GS readership)
include research on what motivates consumers to
join or leave loyalty programs, the European Union's • Online (website/twice month newsletter)
approval of a sweeping set of cryptocurrency rules,
CardConnect's efforts to recover overpaid residuals • Video
dating back to 2018, and more. And we've included a
remembrance of Derek Vowels, who generously con- • Bundled advertisng campaign discounts
tributed his time and expertise to industry colleagues
and organizations through the years. Also not to be Rick Aston
missed are product and company profiles and other
resources designed to inspire you. Many of our story Senior Media Partnership Specialist
ideas begin with your press releases and emails.

Please continue to send your news to press@greensheet. 707-284-1693
com and perspectives to greensheet@greensheet.com.

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