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Cover Story Quick tips from a marketing mogul

Switch it up this year: In a world of instant communication,
Investigate aggregation ..................................................................1 things go wrong ...............................................................................49
By Nancy Drexler, Acquired Marketing
Aggregation presents challenges for anyone who wants to adopt
it, but it promises increased efciencies for ISOs and a signifcant In today's digital world, we are vulnerable to split-second clicks. If
class of small and midsize merchants. we use digital and social media, we must assume that things will
go wrong.
News Four tips for a better marketing team ..................................50
Class-action interchange fee By Ben Golder, Retailcloud
settlement approved .....................................................................10 Some companies' marketing eforts are so brilliant it appears the
The long disputed $7.25 billion settlement of the class-action law- people responsible must be especially gifted. However, with a
suit brought by retailers against the two major card brands over little help, every marketing team can come closer to the ideal.
interchange fees was approved in December 2013. Make it a wonderful day ...............................................................51
Fed study confrms growth By Adam Moss, Charge Card Systems Inc.
in electronic payments .................................................................11 How can you achieve your goal of boarding merchant accounts
The payment pie is growing, driven largely by credit and debit and not letting the competition get the best of you? Don't sell
card payments, according to the 2013 Federal Reserve Payments yourself short.
Study, a triennial examination of payment trends. Legal ease
Does Target breach show PCI ISOs going paperless
not reaching merchants? .............................................................15 – a legal perspective ......................................................................52
By Adam Atlas, Attorney at Law
Target Brands Inc. reported that about 40 million credit and debit
card accounts may have been breached in an attack on its stores Paperless signup of merchants is taking hold in a way that makes
perpetrated during the height of holiday shopping. it increasingly normal; other industry contracts might follow suit.
What issues arise when switching to paperless contracts?
Industry Update ...............................................................................18
Features New Products
The Mobile Buzz: ..............................................................28 A prepaid card that prioritizes giving back ........................54
The allure of smartphones and tablet computers has led to Company Profles
an explosion in mobile app development. But the mobile app Simple LLC (IRIS),:
marketplace is fast becoming a target for fraudsters. Integrated Reporting Is Simple LLC ........................................35

Views Inspiration
Concentrations in business .........................................................32 Project planning ...........................................................................56
By Brandes Elitch, CrossCheck Inc. Departments
Concentrations and monopolistic practices dominate the pay-
ments industry. But new products and ideas are emerging that Letter From the Editors ................................................................................5
enable smaller players to stay in the game by adding value. Readers Speak .....................................................................................................8
Resource Guide ................................................................................................57
Education Advertiser Index .............................................................................................70
Street Smarts :
SM
What diference do you make?..................................................44
By Dale S. Laszig, Castles Technology Co. Ltd.
Payment pros sell in a crowded feld, and many of our products
and services look the same. How do you distinguish yourself?
What is your edge, your diferentiator?











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