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Letter from the editor

n today's world, data isn't just information—it's
currency. Financial institutions must transform
their data into a strategic asset to stay competi-
I tive. But achieving this requires more than access
to information; it demands intelligent risk manage-
ment that integrates advanced technologies like AI
and machine learning. As fraudsters escalate their tac-
Howdy
tics—exploiting deepfake scams, synthetic identities
and digital skimming—banks and credit unions must Howdy
shift from reactive to proactive risk strategies. Industry
Y’all!
leading companies are investing in AI-driven fraud Y’all!
prevention schemes, recognizing that trust is the foun-
dation of financial security. Meanwhile, community
banks and credit unions, often the backbone of small
business lending, must embrace innovation to remain
resilient. This issue's lead article explores how financial
institutions can leverage data, technology and modern
risk intelligence to enhance security, mitigate threats
and strengthen their competitive edge in an increasingly
complex digital world.

Contributing writers also offer perspectives to help pay-
ments professionals navigate risks in our digital world,
u incr
’
m w
rk
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o
e
p y
e
as
r
d t
l
o he
g ha
in
I
delving into the need to minimize threats while maxi- I’m working hard to help you increase
mizing the benefits P2P payments, which offer conve- y o ur b o t t o m line t o d a y!
your bottom line today!
nience and speed, but hold security risks; how outdated
claims and payment processes frustrate policyholders,
o B
N
ull
but digital solutions are revolutionizing efficiency, re- No Bull
ducing delays and enhancing customer loyalty; the pur-
pose, potential benefits and challenges of central bank
digital currencies compared to longstanding forms of Customized advertising campaigns
money and payments; how hospitality principles—mu-
tual respect, clear communication and gratitude—can to fit any size company and budget.
enhance merchant services, fostering stronger relation- • Spotlight Innovators’ Pages
ships and smoother business operations; and an expla-
nation of Visa's consolidation of its dispute and fraud (frequently updated content)
monitoring programs, introducing new compliance met-
rics, enforcement measures and potential financial im- • Print (various size options)
pacts for acquirers and merchants. • Resource Guide listing
In addition to profiles and updates on the latest industry (print/online/front page options)
milestones, we've highlighted news stories on the shut- • Email Blasts (to GS readership)
down of the CFPB, which sparked criticism that it weak-
ens consumer protections and shields Big Tech payment • Online (website/twice monthly magazine)
services from scrutiny; Valentine's Day spending, which
was set to reach a record $27.5 billion, with increased • Video
participation and strong sales in jewelry, dining and
gifts for family, friends and even pets; the Fed chair- • Bundle advertisng campaign discounts*
man's rejection of the development of a U.S. central bank
digital currency; P2P payment service Zelle''s shattering Rick Aston
of records, processing over $1 trillion in transactions,
though fraud concerns persist; and Mastercard's intro- Senior Media Partnership Specialist
duction of a digital payment tool offering flexible pay-
707-284-1693
ment options and credit-building support. To share your 707-284-1693
news, please send a press release to press@greensheet.com,
and send your feedback to greensheet@greensheet.com.
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