At press time, Thanksgiving is almost here. Some home chefs enjoy cooking the same dishes every year for appreciative family and friends; others mix it up, combining traditional favorites with new culinary delights. There are those who like their turkey served around a restaurant table, with a waiter pouring wine for those who imbibe. Some who have grown tired of cooking turkey year after year order-in foods traditionally served in far-off lands.
There are as many ways to celebrate this day as there are families and groups of friends observing it. But talk at most such gatherings at least touches on what people are thankful for. And some families express thanks for the businesses they are working together, passing on knowledge and opportunity from generation to generation.
This issue's lead article shares experiences and reflections from a small slice of the many successful professionals for whom payments is a family affair. For them, camaraderie is palpable and far outweighs the challenges they encounter on the job. Speaking with them, it's impossible to miss the joy and pride in their voices. And working with them is a delight for us, too.
One contributing writer heading a family business explains in this issue how white-label products and services can level the playing field. Other experts have shared their insights and advice on how open APIs can help fintechs revolutionize financial services; why the United States needs to speed innovation to handle real-time payments, particularly since it currently relies on cards and the ACH for payments; why the disruption caused by instant payments in payroll and digital wallets, and the pending changes in other industries, are just the tip of the iceberg for real-time payments adoption; how today's payments consulting services can go beyond typical consulting to provide exceptional benefits to clients; and a reminder to keep jargon out when speaking with merchants.
In the news, we've highlighted stories on PIRG's accusation and Mastercard's denial that Mastercard sells cardholder data; the Fed's plans to further cut interchange; J.P. Morgan's rollout of pay-by-bank; predictions of a robust holiday season ahead; and WSAA's 20th anniversary conference. In addition, you'll find company and product profiles and updates on recent milestones in the payments sphere.
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