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Letter from the editor

n the payments and fintech realm, moving parts
abound. With faster payments comes faster
fraud. With advanced technology come greater
I expectations on the part of merchants and con-
sumers. With new insights gleaned from big big data
comes the need to regroup to remain competitive.
And so on. Given this, for this issue's lead article, we
checked in with members of our Advisory Board on the
state of merchant services today. We asked for perspec-
tives on what payments enterprise must do to remain
relevant to today's merchants and consumers, particu-
larly younger generations; steps our esteemed advisers
are taking to limit fraud as it evolves; how they are
making us of AI in their businesses; and challenges the
industry faces with faster payments implementation
and how to address them.

Embedded payments can go a long way toward meet-
ing merchant and consumer expectations, and one con-
tributor to this issue highlights this, as well as other Bridge the Gap
current industry trends and challenges. Other con-
tributors explore the implications and uses of decen- between your
tralized social media; the need for companies to have
a digital hospitality strategy; the negative impacts of advertising dollars
mishandling payroll contrasted with the long-term
benefits of getting it right; why the card brands, issuers and bottom line
and acquirers must step up to protect consumers and
markets from fraud; the role of financial planning in
business success; and the significant changes in how Customized advertising campaigns
surcharges are handled in transactions across the state to fit any size company and budget.
of New York.
• Spotlight Innovators’ Pages
News highlights explore why critics on both sides of the
Atlantic raised concerns about the oversight and bud- (frequently updated content)
getary measures in the United States and UK, particu- • Print (various size options)
larly regarding support for small businesses; why, de-
spite PayPal's facing economic challenges and a decline • Resource Guide listing
in share prices, analysts are bullish on the company's (print/online/front page options)
stock, citing a recent reorganization and robust prod-
uct roadmap; a recent report from the Federal Reserve • Email Blasts (to GS readership)
Bank of New York spotlighting the increasing popu-
larity of BNPL options, particularly among financially • Online (website/twice month newsletter)
fragile Americans; a recent study from J.D. Power that
found a global surge in digital wallet usage, surpassing • Video
other payment methods in mobile commerce transac- • Bundled advertisng campaign discounts
tions; and Visa and Mastercard's settlement with retail-
ers that aims to resolve a legal dispute over interchange
and other card-brand rules that began in 2005. Rick Aston

Also, be sure to check out our updates, compa- Senior Media Partnership Specialist
ny and product profiles, and other resources in-
cluded to aid your career. We will welcome your 707-284-1693
news at press@greensheet.com, and your feedback at
greensheet@greensheet.com.
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