It's that time of year again. After helping to prepare merchants for the year-end holiday season, you, as their service providers, are evaluating your own results for this year while also strategizing for the coming year. And you're making educated guesses about what the major opportunities and challenges will be in 2024. Are new disruptors aiming to rattle the payments industry as we know it? Will technologies that have yet to go mainstream finally gain critical mass?
In this issue's lead article several payments experts share what they see as new paradigms and possibilities unfolding in the new year. There's no question the influence of younger generations and new technology is growing, but innovative and traditional payment methods will inevitably continue to coexist in 2024.
Also continuing into 2024 and beyond is our appreciation for the professionals who contribute to this publication issue after issue. Topics they've addressed herein include taking care of customer service representatives so they do not experience burnout, especially when there's a spike in traffic; unforeseen events wreaking havoc on the travel industry, which necessitates a reimagining of payment systems to weather the storm of unpredictability; how the immediate benefits of cash advances can help merchants meet the financial demands of the year-end holidays; and the rising popularity of BNPL despite some consumers being ill-prepared to make payments as agreed.
News Briefs highlight some recent news stories, including reporting on a Consumer Financial Protection Bureau proposed rule that would subject large nonbank digital wallet and payment app providers to the same supervisory process as banks, something tech leaders are open to; support for the Credit Card Competition Act among various merchants and their lobbying groups, with a notable exception: the Small Business Payments Alliance, representing small business owners and tradespeople; a surge in pay-by-bank partnerships in the United States that mirrors the success of this open banking solution in Europe, Asia and the Middle East; and a survey by the National Retail Federation and Prosper Insights & Analytics that determined an estimated 182 million Americans would shop in-store and online during the Thanksgiving Day to Cyber Monday weekend.
We've packed additional news into our updates on recent research, partnerships, appointments and more. You'll also find our latest product and company profiles inside. If you have questions, comments or suggestions, please email greensheet@greensheet.com. And remember, we will welc 
The Green Sheet Inc. is now a proud affiliate of Bankcard Life, a premier community that provides industry-leading training and resources for payment professionals. Click here for more information.
Notice to readers: These are archived articles. Contact names or information may be out of date. We regret any inconvenience.
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