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Cover Story Education
Enterprise selling in an SMB world – Part 2 ...........................1 Resolve to attain data literacy in 2019 ..................................37
By Dale S. Laszig By Neetu Shaw, Clarity Insights
This second article in a two-part series discusses how MLSs can A data-driven culture is the key diff erentiator for success when it
use their skills, industry knowledge and personal experience to comes to the future of fi nancial services. Here are four practical
help SMBs solve some of their biggest challenges. steps you can take to get started.

News Legal ease:
2019: Back to payments basics .................................................38
News Briefs: By Adam Atlas, Attorney at Law

Overcoming obstacles to mobile payments .......................10 With the epic rise and fall of cryptocurrency in 2018, the staid
business of soliciting merchant accounts and servicing merchants
Investigators, analysts criticize Marriott's
may be the sure bet in 2019.
handling of data breach ...............................................................10
The right side of the pay line .....................................................40
CNP fraud a clear and present danger, Juniper warns ..10
By Jeff Fortney, TouchSuite LLC
Hemp off controlled substances
When implementing plans for a new year, it's important to distin-
list, CBD market heating up ........................................................10
guish between sales and non-sales activities and set aside regular
Surcharging gains momentum with NY agreement .......10 time dedicated to the latter.
Expect intelligent, automated cyberattacks A brighter future for fi nancial services .................................42
in 2019, experts warn ....................................................................10 By Robert J. McCarthy, Global Legal Law Firm

Mastercard drops name from brand mark ..........................10 In response to President Trump's Executive Order 13772, the U.S.
Treasury Department issued a report that sets forth goals to foster
Industry Update ...............................................................................14
economic growth and regulatory effi ciency.
Views New Products
The 2018 Payments Innovations Summit ............................18 SMB technology suite for unifi ed
By Brandes Elitch, CrossCheck Inc. customer experience .....................................................................44
The 2018 Payments Innovation Summit off ered inspiration for 3D defense to secure, authenticate
those seeking to foster innovation in diverse areas of payments. payment transactions ...................................................................45
Will you be among the few who catch lightning in a bottle?
Inspiration
Company Profi le
A good time to refresh that pitch ............................................46
TruRating: Departments
Capturing instant feedback at the POS ................................27
Letter From the Editors ....................................................................5
Education
Readers Speak:
Street Smarts SM Don't fl y solo on security ................................................................8
How do you measure success? ..................................................33 Featured now on Merchant Sales Podcast ...........................14
By Steve Norell, US Merchant Services Inc. Spotlight Innovators ......................................................................22
As an ISO or merchant level salesperson, how do you measure Event Calendar ..................................................................................42
success? If you're focused solely on deal count, your chance of Resource Guide .................................................................................44
building a profi table merchant portfolio is nil. Advertiser Index ...............................................................................54

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