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InsideGS









        Cover Story                                            Education
          Voice: payments' next integration .............................................1  Street Smarts SM
           By  Dale S. Laszig                                    Let's journey the payments road together .........................32
           As interactive voice solutions continue to evolve, becoming   By Dee and Emily Karawadra, Impact PaySystem
           deeper, wider and more various, payments experts are creating a   In the coming year, the Street Smarts column will be shepherded
                                                                                              SM
           new generation of solutions that are liberated from screens.  by the dynamic, Dee and Emily Karawadra, who introduce them-
                                                                   selves to you in their inaugural article.
        News
                                                                 Blockchain might not solve chargeback
          News Briefs:                                           and ecommerce fraud....................................................................34
          Halt those ILC charters, community bankers urge ..........10  By Suresh Dakshina, Chargeback Gurus
          Are we ready for video banking? .............................................10  Before we put all our eggs in the blockchain basket, we need to
                                                                   examine whether the technology is ready to protect merchants
          Fed prepares for triennial study,                        from chargebacks and ecommerce fraud.
          evaluates ACH road map ..............................................................10
                                                                 More mobile payments, more mobile fraud .......................36
          FIS-Worldpay mega merger: pros and cons ........................10  By Nicholas Cucci, Fluid Pay LLC
          Worldpay first to enable Amazon Pay ...................................10  Mobile devices are now the preferred way to access the Internet
          Apple rewrites Pay-book,                                 and make payments, which has caused companies to focus on a
          takes on merchant services ........................................................10  mobile-first approach. And fraudsters have moved in.
                                                                 Legal ease:
          Industry Update ...............................................................................12  Issuing: the new acquiring ..........................................................38
        Feature                                                    By Adam Atlas, Attorney at Law

          Kudos to ETA's Forty Under 40 ..................................................15  Formerly, card issuing involved printing physical cards and send-
                                                                   ing them by special delivery to cardholders. That was your dad's
        Views                                                      issuing business.

          Insider's report on payments:                        New Product
          Instant funding: next big trend in merchant services? .16
           By  Patti Murphy, ProScribes Inc.                     Self-ordering kiosk improves
                                                                 efficiencies, customer experience ...........................................42
           If there is one constant in the payments acquiring space, it is
           change. Now it's beginning to look like another big change is in   Inspiration
           the offing: instant funding of merchant accounts.     Easing your way to tradeshows ................................................43
          The future of payments:                              Departments
          An interview with Chris Skinner ...............................................19  Letter From the Editors ....................................................................5
           By  Brandes Elitch, CrossCheck Inc.
                                                                 Readers Speak:
           A digital revolution is taking place in the world of banking and   Apple's strategy for superior value chain control ..............8
           payments. It affects ISOs, MLSs, processors and startups vying for   What's new on Merchant Sales Podcast? ..............................12
           merchants seeking ways around traditional payment rails.
                                                                 Spotlight Innovators ......................................................................22
        Company Profile                                          Events Calendar ................................................................................43

          SpotOn Transact LLC:                                   Resource Guide .................................................................................44
          End-to-end solutions to help SMBs grow and scale .......27  Advertiser Index ...............................................................................54















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