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Dee and Emily Karawadra are also building for their chil- A report on the global merchant acquiring market, re-
dren. "In building our ISO business, we always hoped that leased in October by Business Research Insights, suggest-
this would be a legacy business to pass down to our three ed much of that opportunity will spring from increasing
daughters," she said. "With the legacy in mind, we have al- demand for digital payments, ecommerce, international
ways tried to maintain a stellar reputation that our daugh- commerce, and new and emerging technologies.
ters would be proud to represent."
"The increasing adoption of digital payments, including
"Our kids are watching. If we create an environment mobile wallets and contactless payments, has been a sig-
where what we do is relevant, it makes a big impression," nificant trend," and merchants need to adapt to accommo-
Morris said. date, the report stated, adding that merchants also want
solutions that "seamlessly integrate with their existing
Future vision systems, providing a smoother and more efficient transac-
"It is hard to articulate what the privilege of working to- tion process."
gether in a company that is ours feels like," Smith said.
"A company we share a vision in. We decide the course A more secure process, too. "The increasing concern about
together. And its course shapes our future." cybersecurity and fraud has led to a demand for merchant
acquiring services that offer robust security features," the
While there have been challenges, the rewards outshine report added. "Merchants are looking for solutions that
them, Smith added. "[T]here has been nothing more re- can help prevent fraudulent transactions and protect sen-
warding. Neither of us would be where we are today sitive customer information." The many families work-
without the other. The company would not be where it is ing together in payments are more than ready to provide
without what it is we each bring to the table," she wrote. those solutions.
"And the exciting thing is that even with everything we've
accomplished, it still feels like we are hovering right on Patti Murphy, self-described payments maven of the fourth estate, is
the edge of untapped opportunity." senior editor at the Green Sheet. She also co-hosts the Merchant Sales
Podcast, and is president of ProScribes Ink (www.proscribes.net)

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