The Green Sheet Online Edition
August 11, 2025 • 25:08:01
Letter from the editor
Artificial intelligence is no longer a futuristic concept; it’s already reshaping how payments professionals work, think and plan. To explore this, we asked members of our advisory board to share how they’re using AI in their businesses and what they’ve observed across the wider payments landscape. Their responses reveal a range of real-world applications, from fraud detection and contract analysis to onboarding, sales enablement and merchant support. Some innovations are still in early stages; others are delivering measurable results right now. It's clear that AI, when paired with human insight, has the potential to significantly enhance efficiency, accuracy and decision-making. Green Sheet Advisory Board members' insights shared in this issue's lead article reflect a mix of enthusiasm, caution and practical wisdom, and offer specifics on how AI is transforming our industry.
One industry veteran featured herein also focused on AI, discussing how AI-powered routing is revolutionizing digital payments, helping businesses reduce costs, increase approval rates and boost revenue. Another expert emphasized how ISOs and MLSs must embrace smart routing and single-account cross-border payments or risk losing more ground to competing platforms. Other writers delve into how tokenization, name validation APIs and other tools are reshaping security, compliance and maybe even our relationship with memory; how, as retail seasons stretch ever earlier, agents can seize new opportunities—from Summerween to Christmas; ways in which global trade shocks from new tariffs are testing payment systems, making resilience a necessity; and what truly builds trust in stablecoin design.
News briefs include the rapid growth of real-time and same-day payment networks, with The Clearing House’s RTP and the Federal Reserve’s FedNow processing billions in high-value transactions and achieving record volumes; a surge in same-day ACH, with 662.4 million payments totaling nearly $1.9 trillion in the first half of 2025; U.S. lawmakers' work to preserve cash as a payment option, citing its importance for unbanked consumers; the planned elimination of the penny in 2026, which could result in a “rounding tax,” potentially costing consumers over $6 million annually; and PayPal's planned launch of global platform PayPal World to unify major payment systems and digital wallets, potentially expanding its reach to over 2 billion users.
And that's not all. Check out the updates on new appointments, acquisitions, research, partnerships and other milestones; product profiles; interviews; and upcoming industry events. Questions? Email greensheet@greensheet.com. Have news to share? Email press@greensheet.com. Thank you for reading! 
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