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Letter from the editor

ayments innovation has always followed a
familiar arc: new technology arrives promis-
ing speed and convenience, adoption acceler-
P ates, and only then do the risks fully come into
view. Agentic commerce appears poised to follow that
same trajectory—only faster, more complex and with
higher stakes. In this issue, we begin a two-part explo-
ration of agentic commerce, examining what happens
when AI agents are embedded directly into payment
flows and allowed to act on behalf of consumers. As
industry leaders explain in our lead article, the challenge
ahead is not whether agentic AI will reshape commerce,
but how securely, transparently and responsibly that
integration unfolds.

One of our contributors also delves into AI, suggesting
that AI, along with automation, can be turned into a stra-
tegic tool for back-office speed, accuracy and customer
trust. Other experts address compelling topics such as Let me make it easy for you
why ISOs and MLSs must rethink commissions, roles
and value, and embrace technology, specialization and to reach your target audience
new sales models to stay relevant as payments shift from with a personalized custom
hardware to software; and mobile wallets' new founda-
tional role, delivering speed and security while forcing advertising campaign to meet your
merchants and processors to reevaluate execution, eco-
nomics and long-term operational discipline. company’s individual needs today.

Our news highlights cover a spectrum of pressures re- Customized advertising campaigns
shaping payments today—from emerging technologies
pushing beyond their original use cases to regulatory to fit any size company and budget.
and political forces testing long-standing industry as-
sumptions. We examine how self-custodial crypto wal- • Spotlight Innovators’ Pages
lets are evolving into bank-like platforms, with stable-
coins, payments and yield products gaining traction (frequently updated content)
even as usability remains a barrier to mainstream adop- • Resource Guide listing
tion. On the retail front, the federal government’s deci-
sion to end penny production is creating immediate op- (print/online/front page options)
erational challenges, raising questions about rounding,
compliance and legal exposure as cash use continues to • Email Blasts (to GS readership)
decline. We also track the latest developments surround- • Advertising
ing the CFPB, where a federal court ruling has temporar-
ily preserved the agency's funding amid ongoing legal (website/twice month various size options)
and political battles. Finally, we look at renewed scru- • Video
tiny of credit card economics, from a proposed 10 per-
cent APR cap that could ripple through fintechs and ac- • Bundled advertising campaign discounts
quirers to President Trump's endorsement of legislation
targeting Visa and Mastercard's dominance. Together,
these stories highlight an industry navigating innova- Rick Aston
tion, regulation and disruption all at once.
Senior Media Partnership Specialist
We hope you'll also enjoy our featured innovators and
products, along with our customary updates on recent 707-284-1693
appointments, partnerships, research, partnerships,
accolades and other milestones achieved in our sphere. Your bottom line will thank you.
Have feedback for us? Please email greensheet@greensheet.
com. Have breaking news? Send your press release to
press@greensheet.com.
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