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Letter from the editor




                               he concept of orchestration
                               has been popular in the
                               tech sector for more than
                      T a decade, and, naturally,
        orchestration has found a place in the payments indus-
        try. By harmonizing technologies and streamlining
        processes, orchestration is facilitating seamless trans-
        actions and enhancing both merchant and customer
        experiences, which leads to greater customer retention
        for payments and fintech companies. Through insights
        from industry leaders, the article underscores the
        importance of strategic partnerships, customer-centric
        approaches, and forward-thinking adaptability in nav-
        igating the payments orchestration today, highlighting
        its invaluable role in shaping the future of commerce.

        Payments data has great value in shaping commerce,
        and  one expert contributing  to  this  issue delves  into
        why ISOs are well-positioned to capitalize on it, pro-
        vided they can navigate the legal issues in data man-
        agement. Other contributors discuss new fraud tech-
        niques surfacing routinely that are contributing to a
        recent spike in friendly fraud negatively impacting
        businesses; how a POS system is a powerful tool that                           Bridge the Gap
        serves as a central hub for sales, inventory and custom-
        er  management;  distinctions  between  cash  advance                              between your
        options available today; why fears about AI gradually
        replacing us in the workforce and locking us out of our                     advertising dollars
        computer systems are exaggerated, and the reality is
        more benign; why it's a mistake for financial institu-                          and bottom line
        tions to delay implementation of instant payments un-
        til 2025; and why the EU's passage of new instant pay-
        ments regulation puts them a step ahead of the United        Customized advertising campaigns
        States again, but only temporarily.                         to fit any size company and budget.

        News stories we've spotlighted here include Senator          • Spotlight Innovators’ Pages
        Richard Durbin's demand that the CEOs of Mastercard
        and Visa testify on April 9, 2024, before the Senate Ju-         (frequently updated content)
        diciary Committee about competition in the credit card       • Print (various size options)
        industry; a new study by the International Federation
        of Robotics and Fraunhofer IPA that found 3.9 million        • Resource Guide listing
        robots were deployed across 40 countries, indicating             (print/online/front page options)
        growing demand for robotic technology; Discover and
        Capital One positioning themselves to revolutionize          • Email Blasts (to GS readership)
        the credit card industry through a $35.3 billion all-
        stock deal; new studies by LexisNexis Risk Solutions         • Online (website/twice month newsletter)
        and SonicWall that reveal a surge in cyberattacks em-
        ploying AI and advanced technologies and targeting fi-       • Video
        nancial institutions, enterprises and individuals alike;     • Bundled advertisng campaign discounts
        and the possibility of national money service business
        licensing to supplant individual state licensing, which
        is cumbersome and complex.                                   Rick Aston

        Remember to check out the product and company pro-                   Senior Media Partnership Specialist
        files and updates on new awards, research, partner-
        ships, appointments and other milestones. And please              707-284-1693
        send your feedback to greensheet@greensheet.com and
        your news to press@greensheet.com.
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