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Letter from the editors



              n the payments sphere, it's common for a stun-       Big Ideas
              ning amount of major developments to occur
              within the span of days. Such was the case            Measure up to Big Solutions
        I recently with  Apple's unveiling of a new tech-
        nology suite. In a series of presentations, the company
        illustrated multiple ways in which Apple is rethinking
        media, gaming and even merchant services. Directly
        prior, Worldpay became the first acquirer to enable
        Amazon Pay. This was shortly after FIS and Worldpay
        heralded their mega merger.  And news of the FIS-
        Worldpay combination came on the heels of Fiserv's
        acquisition of First Data Corp. It also came less than
        two years after Vantiv purchased Worldpay Group and
        rebranded as Worldpay Inc.
        Other news we've covered recently includes The
        Federal Reserve Board's ACH road map evaluation
        and invitation to select financial institutions and
        payments industry stakeholders  to  participate  in its
        seventh triennial Federal Reserve Payments Study; new
        developments in video banking; and a plea from the
        Independent Community Bankers of America to close
        loopholes in the granting of industrial loan company        Let me help you with a solution
        charters to avert what the organization believes could
        lead to harm to consumers and our banking system.             with a personalized custom
        Yes, things are jumping in payments, with innovations        advertising campaign to meet
        occurring on every front ‒ including voice commerce,      your company’s individual needs.
        a promising area explored in this issue's lead article.
        It examines this developing aspect of our lives, from
        the role sound has played throughout the payments
        journey to interactive voice solutions that are creating       •  Spotlight Innovators’ Web Pages
        a new generation of payment solutions liberated from           •  Custom Videos
        screens. It also considers issues to address for voice
        commerce to be not only convenient, but secure as well.         (multiple level options available)
                                                                       •  Targeted Email
        Also herein, you'll meet our new Street Smarts  au-             Campaigns
                                                    SM
        thors for the coming year, a husband-and-wife team
        many of you already know and respect. Other contribu-          •  Resource Guides
        tors share insights on the changing face of card issuing        (multiple options available)
        and how it is overlapping with acquiring; the popu-
        larity of mobile devices for accessing the Internet and        •  Print advertising
        making payments, which has caught the eye of fraud-             (multiple options available)
        sters; the limitations of blockchain's ability to protect      •  Online advertising
        merchants from chargebacks and ecommerce fraud;
        the digital revolution taking place in banking and pay-       Bundle advertisng campaign discounts*
        ments that affects ISOs, MLSs, processors and startups
        vying for merchants seeking ways around traditional
                                                                     Danielle Thorpe
        payment rails; and more.
        We've also included company and product profiles,
        updates   on   key   developments   in  payments,                  AVP Media Partnerships
        and resources that could be a good fit for your
        business. And remember, we will welcome your                        707-284-1686
        news at  press@greensheet.com and your feedback at
        greensheet@greensheet.com.                                   Your bottom line will thank you.



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