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Letter from the editors What are you
waiting for?
J ason Oxman, Chief Executive Officer of
the Electronic Transactions Association, Let me help you increase your
recently shared with The Green Sheet an bottom line today!
insight about technology in payments
today. "We know that technology as a whole is a cru- We make it easy for you to reach your
cial component of payment services, and not having target audience with a personalized
a technology solution is telling your customer that custom advertising campaigns to meet
you don't want to keep them around for the long your companies individual needs today.
term," he said. "I think that's the most important les-
son out of technology." • Spotlight Innovators’ • Resource Guides
Web Pages (multiple options
In this issue's lead article, you'll find more available)
of Oxman's thoughts on the challenges and rewards • Custom Videos
of technology implementation, as well as those of (multiple level • Print advertising
a number of payments industry leaders who have options available) (multiple options
successfully learned to work with independent soft- available)
ware vendors and others to integrate cutting-edge • Targeted Email
solutions that offer knowledge and convenience to Campaigns • Online advertising
merchants in ways not possible just a few years ago.
They've shared their experiences with technology Danielle Thorpe
development and integration to help others in the
payments community who are considering doing AVP Media Partnerships
the same.
Call me for details
Speaking of technology, this issue contains an in-
sider's view of the recent Money20/20 show in Las 707.284.1686
Vegas, which in just four years has become a major
venue where tech startups show their wares, pay- DANIELLE@GREENSHEET.COM
ments and tech industry leaders connect with po-
tential partners, investors evaluate new technolo- 5
gies, and attendees find inspiration for enhancing
the products and services they offer. Also, for your
reading pleasure and inspiration, we've included in-
dustry expert perspectives and advice on the risky
business of processing payments for the cannabis
industry, developments on the unbanked and un-
derbanked front, how to determine what type of
merchant best suits your business, what it takes to
be an effective technology salesperson, and trends
to watch for in 2017.

In the news, we've included an early report on ex-
pected 2016 year-end holiday spending and trends,
actions federal agencies are taking in response to
escalating cyberattacks and dependence on con-
nected technologies, the U.S. Supreme Court's deci-
sion to hear a case regarding surcharging on credit
card transactions, and the unsuccessful efforts on
the part of ATM operators to delay the EMV liability
shift due to a severe supply chain issue.

You'll also find engaging personal and company
profiles, news briefs on the latest industry happen-
ings, new product stories, and more. Is there an issue
of concern on your mind as the end of 2016 draws
near? Please let us know at greensheet@greensheet.
com. And we always welcome your news at press@
greensheet.com.