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Letter from the editors



                   ow far ahead do you look when strategiz-
                   ing for your own business and for your
                   particular corner of the payments biz?
        H And have you mapped out a plan and
        taken appropriate action?  Visa and Mastercard  are
        stellar examples of companies that look toward the
        future not only to respond to what they expect will
        unfold, but also to shape it. One example is their
        approach to person-to-person (P2P) payments.

        For many in the payments industry, P2P payments are
        of little consequence and are thus given little thought.
        Over the past few years, however, the two major card
        brands have launched several initiatives intended to
        drive  more  P2P payments  to  their  networks.  Visa  is
        signing up banks, processors and technology compa-
        nies for Visa Direct, a card-based platform that prom-
        ises to deliver P2P transactions almost instantaneous-
        ly. Mastercard is advancing pilots in Africa and Asia
        that support micro- and small-merchant acceptance of
        contactless payments using Facebook Messenger.
        How the P2P sector might tie into payment businesses
        is explored in this issue's lead article, which delves                         Bridge the Gap
        into the state of P2P payments and what is likely to
        happen next. As ISOs and merchant level salespeople,                               between your
        you probably don't have the research and development
        chops of a card brand, but you can plan to shape the                        advertising dollars
        future, as well.
                                                                                       and bottom line.
        Our contributing writers also have your future in
        mind. Have you thought of using video in your mar-
        keting? How well  are you training your sales staff?          Customized advertising campaigns
        Are you offering merchants a full suite of business ser-      to fit any size company and budget.
        vices that goes beyond payments? Do you understand
        the distinctions between surcharge and cash discount          • Spotlight Innovators’ Pages
        programs? These and other questions are addressed
        within these pages.                                               (frequently updated content)
                                                                      • Print (various size options)
        News briefs present highlights from recent new stories
        posted. Among them is the launch of the Merchant              • Resource Guide listing
        Sales Podcast. If you haven't listened to the first epi-          (print/online/front page (option))
        sode yet, it's available at  www.greensheet.com  directly
        below Breaking Industry News. Other stories are on            • Email Blasts (to GS readership)
        the TLS 1.2 deadline, growth in nonbank finance, a
        spike in crypto theft, digital-forward dining and more.       • Online (website/twice month newsletter)
        And, of course, you'll find company and product pro-          • Video
        files, as well as updates on numerous recent develop-         • Bundle advertisng campaign discounts*
        ments and milestones within individual companies
        and in the payments business overall.

        Is there a topic you'd like us to address in a lead story?                Danielle Thorpe
        What about in our education and views sections? Please                         AVP Media Partnerships
        let us know at greensheet@greensheet.com, and do continue
        to send your press releases to press@greensheet.com.               707-284-1686




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