The features and efficiency of a POS system can affect a merchant's fortunes more than ever before, especially during the year-end holiday season. New options are proliferating, not the least of which are tablet POS systems. This issue's lead article explores the stunning diversity of POS functionality available to merchants today and shares perspectives from some of the industry's leading POS system providers.
News stories cover analysts' predictions for the 2015 holiday season; a lawsuit filed against American Express Co. by the San Francisco City Attorney, alleging the card company's pricing is illegal; difficulties encountered in the field when implementing EMV at restaurant and hospitality businesses; and research from the NFC Forum that makes the case for implementing both NFC and EMV ‒ and the sooner the better.
Also included are briefs on the push on the part of several state attorneys general for chip and PIN implementation instead of chip and signature; LG Electronics Inc.'s entrance into the mobile payments field with LG Pay; NACHA ‒ The Electronic Payments Association's new ISO resource center; Square Inc.'s debut on the New York Stock Exchange; as well as the latest industry research, profiles, new product stories, and many other company milestones, partnerships, acquisitions and appointments. And this feature-rich issue delves into the Fed's payments modernization initiative and efforts on the part of major payment players to create next-day and same-day clearing and settlement for check transactions; balancing high tech with high touch in the mobile sphere; the significance of mobile opt-in rates; facts about EMV security; and business books of interest to payment pros developing leadership skills.
Contributing writers cover significant ground herein, as well: a rationale for greater participation in the MLS Forum and questions members want to explore in the coming months; reasons why a written contract is a must; liabilities for payment pros that go beyond chargebacks; the need for MLSs to stay on top of personal issues while building a merchant portfolio; how transparency fits into strategic planning for 2016; and why it is imperative that e-commerce merchants defend their businesses against CNP fraud.
We have one more issue coming out in 2015. There's still time for you to send in your observations, insights, perspectives on the year coming to a close and hopes for the year ahead. Send your ideas to greensheet@greensheet.com, and please continue to send press releases to press@greensheet.com. Happy holidays to you! 
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