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Letter from the editor




                 ince its inception, the payments industry has
                 faced challenge after challenge – economic
                 downturns, disruptive startups, shifting regu-
        S lations, security breaches, and class-action
        lawsuits and more. And yet, time and again, the industry
        has adapted and thrived. Unlike sectors that can afford
        to resist change, payments has had no choice but to inno-
        vate and evolve. For this issue's lead article, we asked
        members of The Green Sheet Advisory Board we are so
                                                                Howdy
        good at this and what strategies payments enterprises
        should employ to navigate the next 12 months.           Howdy
                                                                Y’all!
        The industry leaders who participated in this Q&A       Y’all!
        shared insights that underscore what makes this
        industry unique: a combination of necessity, resilience
        and an unwavering focus on solving problems. From
        embracing AI-driven fraud detection to adjusting for
        new regulations, from capitalizing on niche markets to
        rethinking traditional  sales  strategies,  our  industry’s
        ability to stay one step ahead will determine its future.

        Our contributing writers also shared perspectives
        on the industry's ongoing evolution, discussing the
        real-world feasibility of central bank digital currency,
        exploring adoption hurdles, operational models and
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        its impact on payments; how resellers and ISOs can      I’m working hard to help you increase
        thrive by building brand trust, personalizing outreach,           y o ur b o t t o m line t o d a y!
                                                                          your bottom line today!
        leveraging partnerships and repurposing content; why,
        as cash declines and  plastic  fades, mobile wallets are
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                                                                                            ull
        revolutionizing  convenience stores, offering speed,                      No Bull
        efficiency and loyalty perks; a recap of a year's worth
        of columns covering partnerships, digital trends,
        networking, branding, fraud prevention and more; why        Customized advertising campaigns
        mastering analytical skills, attention to detail, clear
        communication,  technical  know-how  and  problem           to fit any size company and budget.
        solving are central to success in payments; and the         • Spotlight Innovators’ Pages
        ability to calculate residuals daily, offering agents faster
        payouts, enhanced profitability tracking and improved           (frequently updated content)
        retention.
                                                                    • Print (various size options)
        In the news we've covered a  coalition of 22 state          • Resource Guide listing
        attorneys general, who filed amicus briefs to prevent the
        CFPB’s shutdown, warning of serious risks to consumer           (print/online/front page options)
        protection and financial oversight; J.D. Power research     • Email Blasts (to GS readership)
        indicating Gen Z and Millennials are using BNPL
        services more than ever, surpassing credit cards during     • Online (website/twice monthly magazine)
        the holiday season; Senator Dick Durbin's introduction
        of legislation to curb rising scams at cryptocurrency       • Video
        ATMs; and Visa's report of massive growth in Tap to
        Phone transactions, with small businesses benefiting        • Bundle advertisng campaign discounts*
        from smartphone-based POS technology.
        Also in this issue are updates on industry milestones, new   Rick Aston
        product profiles and other resources to help empower               Senior Media Partnership Specialist
        you in your career. If you have questions, please email
                                                                          707-284-1693
        greensheet@greensheet.com; to share your latest news, send        707-284-1693
        a press release to press@greensheet.com.
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